Financial advice for ordinary people:

1. Invest with spare money, stratify your salary: Only invest money you won't need in the short term. After your salary arrives, stratify it first—emergency fund, investment expenses, living expenses.

2. Stay away from leverage, don't borrow money or take out loans: Ordinary people should not touch leverage, don't invest with borrowed money, don't max out credit cards. Debt is the enemy of compound interest.

3. Be anti-consumerist, control material desires: Don't blindly follow trends to upgrade consumption, distinguish between 'needs' and 'wants'.

4. Develop a habit of keeping accounts: Keep accounts for 3 months to clearly see where your money goes. You can simplify it later, but keep a mental note.

5. Don't chase rallies or sell in panic: Control your hands when the market is frenzied, buy according to discipline during panic. Emotions are the biggest cost.

6. Stick to dollar-cost averaging into ETFs: Dollar-cost average into broad-based indices (like the S&P 500). Long-term, simple, effective.

7. Prepare a 3-6 month emergency fund: So you're not forced to sell assets when unemployed or sick.

8. Don't invest in what you don't understand, review regularly: Don't touch complex products like options, cryptocurrencies; review your portfolio quarterly or semi-annually, don't watch the market every day.

9. Don't let finance replace life: Set aside a 'fun fund' to enjoy the present with small amounts. Long-termism also includes being kind to your present self.