Finance expert Ramit Sethi recently shared his 10 core principles for accumulating wealth. These rules may seem a little "crazy," but they illustrate an important point—what truly changes social strata is not being stingy, but wisely allocating resources.
Core mindset shift
The question for most people is:
- Saving too little (common advice is to save 3-6 months of expenses)
- Low investment ratio (only 20% in the 50/30/20 rule)
- Saving money in the wrong place
Sethi's logic is completely the opposite. He says to first ask yourself if it's worth it, rather than looking at the price first.
The three most critical rules
1. The emergency reserve should cover 1 year of expenses.
It sounds exaggerated, but it gives Sethi an absolute sense of security. Americans spent an average of $73,000 per year in 2022—saving up to this number is indeed difficult, but it can be accumulated slowly.
2. Saving and investing cannot be less than 3

The performance of a portfolio cannot be judged solely by how much it has risen. The real question is: how much risk did you take on to achieve this return? This is why the Treynor ratio and the Sharpe ratio exist.
Risk-adjusted returns sound complicated but are actually quite simple.
Both ratios are doing the same thing – measuring how much you can earn for each unit of risk you take on. But they look at risk in completely different ways:
The Treynor ratio only concerns itself with systematic risk (also known as market risk). This is a risk that cannot be avoided through diversification, such as a decline in the entire stock market. The calculation formula is straightforward:
Treynor = ( portfolio return - risk-free rate ) / Beta value
For example: a portfolio annual return of 9%, a risk-free rate of 3%, and a Beta value of 1.2, then the Treynor ratio = (9-3)/1.2 = 0.5

With the surge in AI power demand, it is expected to rise tenfold by 2030. Traditional energy sources cannot meet the increasing electricity consumption of data centers, while Oklo provides a solution by designing small modular nuclear reactors. Despite the rise in stock prices, there are currently no commercial revenues or licenses, which poses certain risks. In the long term, the energy demand from AI is a necessity and has strategic value for the future.

Have you heard about blockchain, P2P networks, and distributed mining, right? Behind all that is the concept of distributed systems. But what does it really mean and why does it matter to crypto?
The Basic Idea
Imagine that you need to process

Inflation is reflected through the consumer price index (CPI), indicating price changes in everyday goods and services, which affects personal consumption, interest rate policies, wages, and government subsidies, and has a significant impact on the crypto market. The data from CPI influences Central Bank decisions, which in turn affects investment markets and the fluctuation of Crypto Assets. Understanding CPI helps analyze economic trends and market dynamics.

The Before and After That No One Expected
A few months ago, exchanging tokens on Arbitrum cost $0.30. Today it costs less than $0.01. It's not a typo.
That is the magic of Dencun—the Ethereum upgrade that combines Deneb (consensus) and Cancún (execution) in a combo that unlocks something that seemed

The essay explores how OTC transactions (Over-The-Counter) operate in the crypto market, allowing large investors to move assets without influencing prices. Despite their advantages in privacy and liquidity, they also carry significant risks such as lack of regulation and potential scams. OTC and exchanges are compared, and the importance of due diligence before participating is emphasized.

Japanese candlesticks are the language of the market. If you don't understand them, you're trading blind. But here’s the uncomfortable truth: most traders use them incorrectly and that's why they lose money.
What do you really see in a candle?
Each candle shows you four numbers: open, high, low, close. The

El ensayo explica las "trampas para toros" y "trampas para osos" en el comercio de criptomonedas, destacando cómo los traders pueden ser manipulados por las tendencias del mercado. Ofrece estrategias para reconocer estas trampas, enfatizando el análisis de volumen, la espera de confirmación y la utilización de indicadores técnicos para evitar pérdidas.

Michael Burry ha vendido la mayoría de sus posiciones en acciones de EE. UU., excepto por Estée Lauder, y ha comprado opciones de venta en Nvidia, señalando preocupaciones sobre una posible corrección del mercado debido a la significativa concentración del mercado de Nvidia.

The most covert killer in trading is not technical flaws, but psychological traps.
Most traders attribute losses to insufficient skills, but the truth is that mistakes like chasing highs, over-trading, and forcefully opening positions stem fundamentally from greed, fear, anger, and overconfidence.
Greed ≠ Ambition
Ambition is the desire to win, driving you to continuously improve. Greed is uncontrolled ambition—when your desires begin to influence your decisions, you slide from ambition into greed.
The most common disguise of greed:
- Overconfidence: feeling omnipotent, blindly leveraging and increasing positions.
- Lack of confidence transforming into greed: no matter how much you earn, it never feels enough because you don't truly believe you can make money.
- FOMO Panic: Seeing others make money, fearing to miss out, entering the market at a high price.
- Revenge mentality: Anger after losses, doubling down in an attempt to quickly recover.
Common signs of greed:
- Focus only on the account balance, not on the price trends.
- No clear stop

Economic models help us understand and predict economic phenomena by transforming real economic problems into mathematical formulas. In the crypto market, using basic logic such as supply and demand relationships and cost mechanisms can more effectively analyze coin price fluctuations and project performance. However, models also have the flaws of idealized assumptions and excessive simplification, which cannot fully reflect the complex reality.

El ensayo enfatiza la importancia de entender el tiempo UTC en las criptomonedas para evitar errores costosos como perder lanzamientos o hacer operaciones incorrectas. Describe los desfases UTC para varios países de América Latina y proporciona métodos para una conversión de tiempo precisa, subrayando que las acciones oportunas son críticas en el mundo acelerado de las criptomonedas.

The text clarifies common abbreviations in cryptocurrency analysis, such as K, M, B, and T, explaining their meaning and how they are applied in market situations to facilitate the understanding of volumes and capitalizations.

The article analyzes the composition of global currency and points out that the real liquidity is about $150 trillion, with the United States accounting for 41%. Bitcoin's market capitalization is relatively small, reflecting issues of market perception and maturity. Although the market capacity is limited, it does not mean that there is no possibility of funds entering.

Hyperliquid sobresale en velocidad y experiencia del usuario, pero su transparencia expone las operaciones a una posible manipulación. Aster introduce órdenes confidenciales y tecnología zk-proof para garantizar la privacidad en el comercio de derivados, reduciendo los riesgos asociados con la visibilidad pública. El mercado puede apoyar ambas estrategias: velocidad y privacidad.

The CPI is an inflation thermometer that significantly impacts the cryptocurrency and metals markets. A high CPI leads to rate hikes by the Fed, causing falls in Bitcoin and gold, while a low CPI creates investment opportunities in crypto. Pay attention to these fluctuations.