The Happiness Philosophy of Crypto Investors: Don't Wait Until Financial Freedom to Start Living
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The Happiness Philosophy of Crypto Investors: Don't Wait Until Financial Freedom to Start Living
There are many things you can do before reaching financial freedom.
Navigating Web3 tides with focused insightsAuthor: Ash
Translation: TechFlow
"If you're not using this money to change your life and the lives of those you love, then it isn't truly transforming anything."
In crypto, retirement and "achieving financial freedom" are core goals for nearly everyone—after all, this industry has become one of the best stages for going from nothing to wealth, sometimes even creating generational wealth overnight.
Yet behind this rapid wealth creation lie some serious downsides that can't be ignored:
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Being trapped long-term in high-risk, gambling-like investment behaviors.
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Falling into a "hedonic treadmill" cycle—constantly chasing short-term pleasures without ever feeling satisfied.
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Mindlessly following trends to chase excitement and dopamine hits, lacking rational judgment.
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Constantly comparing your achievements with others, leading to unnecessary psychological stress.
It's easy to feel discouraged when you see friends achieving financial freedom in their 20s or outperforming you while you're still struggling. But we often overlook a simple truth: work is essentially just typing on a keyboard and clicking a mouse, day after day.
Financial freedom may be the ultimate goal, but rather than obsessing over distant seven- or eight-figure net worth targets, shift your mindset—practice gratitude along the journey and appreciate what you've already achieved.
For example:
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If you manage to save $100,000 before age 30, that’s an incredible accomplishment! Remember, this number is unattainable for many people. Congratulations!
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Even if you don’t retire by 30, achieving financial freedom between 35 and 40 is still something to be proud of. Most people need to work until 55 or 60 to accumulate enough for retirement.
Rather than solely chasing financial targets, why not treat this journey as a fun game? Set personal milestones and reward yourself with meaningful life experiences upon reaching each one. This makes the pursuit of wealth more enjoyable and allows you to savor life’s joys long before hitting the final goal.
As wealth accumulates, there’s plenty you can do to enhance your and your family’s quality of life—even before full financial freedom.
Parents and Family
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Have you improved your parents’ living standards? For instance, upgrading their car, home (buying or covering rent), or replacing electronics (laptops, phones, fitness wearables, TVs, etc.)?
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Providing daily comfort items such as more comfortable shoes and clothing.
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Taking them on trips to places they’ve always dreamed of visiting.
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Treating them to fine dining experiences, like Michelin-starred restaurants or high-end omakase sushi.
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Covering their healthcare costs, including insurance, physical therapy, dental care, or emergency medical expenses.
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Setting aside part of your assets as a retirement fund for your parents.
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Do they need hired help, such as housekeepers or personal trainers?
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Upgrading household items—like Dyson vacuums, smart home devices, or new appliances.
Your parents' health and sufficient savings are crucial safeguards in their later years. We should share the luck we’ve gained from the crypto industry with our families. They were our support once; now it’s our turn to become theirs.
Spouse/Partner
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Your partner may have a traditional 9-to-5 job and might not fully understand the “internet wealth magic” we’re familiar with.
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You can support them by paying shared expenses or travel costs, or funding joint trips.
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Help improve their quality of life—by buying electronics, premium everyday goods, or even luxury bags (if they enjoy them).
Your partner likely stood by you during endless screen-staring days filled with constant "trend-chasing" trades (I can’t be the only one who’s been there). Having a supportive partner is one of the most valuable blessings you can receive. They celebrate every small win with you and provide essential emotional stability in this high-pressure industry. That kind of support is priceless.
Self
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Always wanted the latest gadget or新品 from your favorite brand? Reward yourself moderately with your earnings.
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Pay off all debts (student loans, credit cards, bank loans).
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Withdraw funds to buy a car or home—paying cash outright brings you one step closer to financial freedom.
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Improve sleep quality—invest in a cooling mattress, memory foam pillow, weighted blanket, etc. After all, you spend 6–8 hours per day sleeping.
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Increase convenience—hire a driver, chef, personal trainer, or physical therapist.
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Invest in wellness—visit spas, get sports massages, or attend health or detox retreats.
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Pursue new hobbies or learn new skills to enrich your life.
In this industry, managing market volatility and portfolio drawdowns—while maintaining family and social relationships—is extremely draining. Be kind to yourself. Reward your efforts by improving your lifestyle and investing in personal growth. If this money doesn’t change your life, it hasn’t truly become life-changing wealth.
Example: How to Gradually Improve Quality of Life Through Milestones
Stage One (Five-Figure Net Worth)
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Ensure all debts are paid on time.
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Build 6–12 months of emergency savings.
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Provide monthly allowances for parents.
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Purchase insurance coverage.
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Upgrade your phone and laptop to boost work efficiency.
Stage Two (Six-Figure Net Worth)
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Clear all remaining debts or loans.
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Reward loved ones—take them on trips and upgrade their lifestyles.
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Invest in self-improvement and home upgrades.
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Consistently convert part of gains into fiat currency to reduce investment risk.
Stage Three (Seven-Figure Net Worth)
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Withdraw funds to purchase homes or vehicles.
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Diversify investments into other assets—such as real estate, watches, or stocks.
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Establish a dedicated retirement fund for your parents.
Stage Four (Eight-Figure Net Worth)
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Set up your own fund or family office.
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Consider hiring private chefs, drivers, or massage therapists.
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Enable your parents to fully retire.
Summary
Don’t wait until you reach your ultimate goal to start improving your life or giving back to loved ones. Throughout the journey toward financial freedom, use key milestones to gradually elevate your quality of life. In doing so, you’ll create meaningful positive changes for yourself and your family—and enjoy the journey far more along the way.
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