Looking at $ETH trends, watching Solana rise and fall, many people are asking the same question—can we turn things around by 2026? Honestly, things like market trends, insider information, and predictions of explosive growth are just illusions for most ordinary investors.

The things that can truly change your fate are always just a few.

Charlie Munger has given many pieces of advice in his life, but I think the most practical wealth formula is these three points below. Ordinary people following these can also find their own path in the crypto market.

**First: Cultivate frugality as a habit, save up the principal first**

What did Munger do when he was young? He was obsessed with saving money. He always spent less than he earned, kept life simple without extravagance, and stayed away from consumption traps and debt.

This may not sound glamorous, but it’s the starting point of all success stories. Especially in the crypto market, you need to have at least the first $100,000 of principal saved before you can talk about compound interest or long-term holding. Too many people try to gamble small and leverage for double, but end up losing their principal—what’s there to invest?

There’s no shortcut to accumulating principal. Spend less, earn more, or even take on side jobs to accelerate. Survive first, build a solid foundation, then everything else becomes meaningful.

**Second: Keep learning and expand your circle of competence**

$RIVER went up, Solana dipped again, Bitcoin hit new highs… information is everywhere, and choices are abundant. But Munger never chases hot trends. Why does he consistently make money? Because he focuses his energy on expanding his "circle of competence."

Learn a little more every day, whether it’s about the underlying logic of blockchain or the cyclical patterns of the crypto market. Use what you learn. When a big opportunity truly arrives—that moment when you can confidently go all-in or feel assured to act—you’ll already have the judgment.

This is very important: don’t chase after every hot topic. Those who buy high and sell low are often just operating outside their circle of competence. Real profit begins only after you fully understand the market and the projects.

**Third: Find good assets and hold patiently**

Munger has a famous saying: "Big money is not made in buying and selling, but in waiting."

The pace of the crypto market is fast, and people who watch the charts every day want to trade constantly, thinking that frequent operations are necessary to seize opportunities. But think about it—those who get wiped out or get "cut" are often just overtrading and getting emotionally involved.

Find an asset you truly believe in—whether it’s Bitcoin, Solana, or others—and hold it with confidence. Avoid the transaction fees caused by frequent trading, stay away from leverage traps, and don’t get scared by short-term volatility to frequently reallocate. Use compound interest and time to let your assets grow gradually.

Is this process boring? Yes, it can be. But that’s the real truth of wealth accumulation.

**In summary, it’s just eight words: Save, Learn, Wait.**

Don’t overcomplicate yourself, don’t be driven by market emotions, and don’t dream of getting rich overnight. Master these three things, and your chances of turning things around in 2026 or 2027 are much higher than those who chase hot topics every day.

Munger has lived over a hundred years, and he has spent his life validating this methodology. The logic is the same in crypto investing.