Have you noticed that the quality of financial advice heard within different circles is completely worlds apart?

In the financial circles of low-income groups, what do you find? Pure luck-based things like lotteries, sports betting, online loans, and junk coins. Slightly "upgraded" ones include bank financial products with high risk of default, various private insurance scams, plus the high-interest deposits from small banks and A-shares. Essentially, it's still gambling.

On the other hand, in the information world of high-income groups? U.S. stocks are standard, especially ultra-low-cost index funds like VOO, or U.S. bond ETFs, cryptocurrencies like Bitcoin—at worst, it's just foreign bank dollar fixed deposits. The logic is clear, and the risk is controllable.

How big is this gap? Suppose two people each have only 300,000 to invest—one in a low-information circle, the other in a high-information circle. What happens later? The former's assets keep shrinking, while the latter steadily appreciate. Over time, the gap grows like a snowball.

In economics, there's a term called the "Matthew Effect"—the strong get stronger, the weak get weaker. There's a saying in the Gospel of Matthew that goes straight to the point: "For to everyone who has, more will be given, and he will have abundance; but from him who does not have, even what he has will be taken away." This is not fate, but a reality caused by information disparity.