Assuming today is October 2002, you have a stock in your hand that has fallen more than 90% in the past 10 months. What would you do? Now, if I told you this stock that has fallen so much that even its own mother wouldn't recognize it is NVIDIA, would you change your mind? The "Magnificent Seven" in the U.S. stock market have all experienced catastrophic declines in history, with their stock prices at least halved. Survivorship bias, yes, hundreds or thousands of companies that also fell by 90% eventually went to zero. But the investment lesson here is simple: ordinary people cannot withstand a 90% drawdown to pursue 100x or 1000x returns. Dollar-cost averaging into the index is the most suitable wealth-building strategy for ordinary people.