I came across a very interesting topic: If you have 3 million U, how would you manage your finances in the crypto space? Honestly, I've thought about this question many times myself. It's not about fantasizing about getting rich, but rather how to navigate through cycles, protect the principal, and seize opportunities. Let me briefly share how I would allocate it now 👇 ➤ First part: Liquidity cash pool (20%, about 600,000) I would definitely keep a portion on hand; no matter how the market moves, having U gives you the initiative. For example, with the recent market adjustments, if I hadn't kept liquidity, I would hesitate for a long time even to add positions. I would choose stablecoins like $USDC / $FDUSD, keeping them in a wallet or CEX, with some consideration for low-risk DeFi yields. ➤ Second part: Core positions (60%, about 1.8 million) Core assets are still the most stable foundation; I would divide this part into several portions: $BTC (25%): The anchor of the entire market, it must be included, as it has strong risk resistance. $ETH (15%): Although it rises slowly, with ETH ETF + L2 ecosystem, the slow bull potential is still there. $BNB (10%): Recently, this coin has been quite interesting; it's not just a platform coin anymore, more and more DAOs are treating it as "treasury assets," giving it a flavor of foundational fiscal assets. $SOL (10%): Meme, NFT, and DePIN hotspots are all on it, and the heat and activity have not stopped. ➤ Third part: Narrative direction + potential coins (15%, about 450,000) I would allocate a portion to invest in small to mid-cap directions, but the focus should be on having a new narrative, strong mechanisms, and good chip structure. For example, recently I would pay attention to: DePIN: $IO, $AKT RWA: $ONDO, $TOKEN ➤ Last part: Speculative positions (5%, about 150,000) I would keep a small position to play with on-chain hot coins, new projects, and experimental coins, not to gamble, but to learn, experiment, and maintain market sensitivity. ➤ Final thoughts The biggest lesson I learned this round is: Don't turn yourself into a victim of the market; be a designer of position structures. The market is uncertain now, but this is precisely the time to think about structural optimization.