Advice for Ordinary People in the Next 5 Years

In the context of a volatile economic and social environment, the most important thing for ordinary people is not to find ways to “change their lives quickly,” but to enhance resilience to risks and maintain long-term stability. Here are practical recommendations focused on survival, health, and personal finance over the next 5 years.

1. Investing in Health Is the Top Priority Maintain regular physical exercise, especially cardiovascular-enhancing activities such as running, cycling, swimming, or brisk walking. When the economic environment worsens, health is the “asset” that helps reduce medical expenses and maintain work capacity.
2. Accumulate Defensive Assets During unstable periods, prioritize assets that store long-term value. If you cannot afford to accumulate gold, silver is a reasonable alternative. Bitcoin can also be considered part of a defensive portfolio, provided you understand the risks and do not borrow to invest.
3. Learn Practical English No need for certificates, no need for academic study. The goal is basic communication, understanding international information, and expanding access to job opportunities, knowledge, and global news.
4. Avoid Short-Term Property Purchases In the next few years, taking on large debts can significantly reduce financial flexibility. Keeping cash and maintaining flexibility will be safer than “tying yourself” to illiquid assets.
5. Limit Major Expenses, Prioritize Savings In the next 2–3 years, avoid unnecessary large expenditures and focus on saving. There is a possibility that after a few years, an economic recovery or better social policies will emerge, even if only temporarily. Additional Important Recommendations
6. Acquire Basic Medical Knowledge Learn how to handle minor illnesses and simple medical situations at home. This helps reduce dependence and costs in case the healthcare system becomes overwhelmed.
7. Prepare Fire Emergency Plans Understand escape routes at your workplace and home, check fire safety equipment, and consider self-providing necessary items if conditions permit.
8. Know Your Surrounding Social Infrastructure Be aware of the nearest police stations, hospitals, and memorize important phone numbers for use when needed.
9. Cultivate Low-Cost Hobbies A healthy, low-cost hobby can help balance mental health and reduce stress during stressful times. Some Additional Suggestions Expand your sources of information, read news from different regions around the world. Always cross-check and verify similar information to avoid being misled. Consider stockpiling a small amount of energy-rich, easy-to-preserve foods like honey or rock sugar for emergencies. Conclusion The next 5 years may not be a period of explosive opportunities, but certainly a time of clear differentiation. Those who prepare early, live disciplined lives, and reduce risks will have a significant advantage when a new cycle begins. In any situation, stability and resilience are always more important than recklessness.