#美国核心物价涨幅不及市场预估 Want to turn things around in 2026? Instead of wasting time on pointless efforts, learn the simplest wealth principles.

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Charlie Munger’s approach to wealth accumulation may seem simple, but it reveals three truths that most ordinary people tend to overlook.

**Level 1: Extreme frugality to save your first bucket of gold**

It’s not about living a hard life, but about always spending less than you earn. Live simply, stay away from consumption traps and debt quagmires — this is the starting point.

Munger relied on this strategy in his youth: frugal living plus part-time side jobs, gradually saving enough startup capital for his business. He repeatedly emphasizes one thing: there are no shortcuts to wealth accumulation. You must start early and persist long-term. Don’t fantasize about getting rich overnight. The first $100,000 is especially critical.

**Level 2: Continuous improvement and seizing opportunities**

Charge yourself daily — read books, learn skills, expand your cognitive boundaries, and gradually build your own “ability moat.” The more you understand, the easier it is for opportunities to find you.

Munger once said something very insightful: "In a lifetime, it’s enough to seize a few truly good opportunities." The key is not to follow the crowd blindly. When real quality opportunities arrive, go all-in without hesitation.

**Level 3: Patience and holding, let time and compound interest do the work**

After finding trustworthy quality assets, hold them for the long term. Frequent trading will only eat into your profits. Leverage, gambling, chasing trends — these are all pitfalls.

Munger’s classic warning still holds today: "Great wealth is not born from frequent trading, but from long-term patience and accumulation." This logic works in any era.