Wealth decision-making model under product thinking: when 10 million becomes the MVP of life

When 10 million deposits become an important milestone in life, high-net-worth individuals face a major shift from “wealth accumulation” to “exploration of the meaning of life”. From the perspective of product thinking, this paper delves into how to build a new wealth decision-making model to help people redefine their life goals after financial freedom and achieve a leap from “survival needs” to “existential value”.

Introduction: The value proposition of the user demand pyramid and financial freedom

At the moment when the wave of digital wealth management is surging, the issue of “whether 10 million deposits should lie flat” is like a boulder thrown into the lake, which has aroused extensive discussion and deep thinking from all walks of life. In essence, this is a typical product demand decision-making problem, reflecting the confusion and exploration of high-net-worth individuals about life path choices after wealth accumulation to a certain stage.

Boston Consulting Group’s 2025 data is like a thunderbolt, breaking through the calm façade: 45% of high-net-worth users have a need to “quit the workplace,” a 12% year-over-year increase. This data not only reveals a booming user demand market – the “post-wealth freedom scenario”, but also indicates that the wealth management field is about to usher in a profound change.

Traditional wealth management needs to shift from a single asset perspective to a system design of “people-time-meaning” to help users complete the transition from “survival needs” to “existential value” after financial freedom. As LinkedIn data shows, 83% of users with annual salaries of more than one million put “industry influence” above salary – true financial freedom is to become the chief product officer of their own life and build an unquantifiable spiritual narrative in material abundance.

1. The three-layer product structure of the core contradiction

(1) Imbalance in value supply: value mismatch in traditional workplaces

The salary return provided by traditional workplaces is mismatched with the high-level needs of users (JTBD) (Job to be Done, product managers are often abbreviated: crème brûlée). Millennials, as Internet natives, are no longer satisfied with material remuneration, but instead pursue self-worth realization and social recognition at work. For example, high-net-worth individuals in the technology industry often choose public welfare and entrepreneurship, reflecting the structural shortcomings of traditional workplace value supply.

To achieve these three challenges, product managers will only continue to appreciate
Good product managers are very scarce, and product managers who understand users, business, and data are still in demand when they go out of the Internet. On the contrary, if you only do simple communication, inefficient execution, and shallow thinking, I am afraid that you will not be able to go through the torrent of the next 3-5 years.

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(2) System experience breakage: the solution of time asset allocation is blank

After financial freedom, users face a “desert” of time asset allocation. Existing wealth management focuses on asset appreciation, but ignores the increase in time value. According to a survey by China Merchants Bank, 68% of the 1000-15 million asset customers adopt the “three-three system” time allocation (30% career continuation, 40% interest exploration, 30% social investment), but there is a lack of systematic product support, and users need to explore the adaptation path by themselves.

(3) Lack of measurement standards: the separation of wealth indicators and spiritual satisfaction

There is a wealth indicator that cannot quantify mental satisfaction, that is, the relationship between NPS (Net Promoter Score) and user loyalty. Traditional wealth indicators only focus on the material dimension and cannot quantify spiritual satisfaction. Stanford University research shows that neural activity (82ΔfMRI) leads to creative decision-making far exceeds wealth appreciation operations (37ΔfMRI), but existing indicators cannot capture such differences. It is necessary to introduce compound indicators such as life satisfaction and social value contribution to build a more comprehensive evaluation system.

2. The productization definition and framework construction of financial freedom

(1) Product roadmap for financial freedom: innovative application of the three-stage theory

Referring to the three-stage theory of The Road to Financial Freedom, we have built a product roadmap for financial freedom from the unique perspective of a product manager. This roadmap divides wealth freedom into three key stages, each corresponding to different AUM thresholds, core functions, user pain points, and benchmark product cases, like clear signposts guiding users on the road to financial freedom.

Security stage: build a solid foundation of wealth

In the security stage, the core need of users is to ensure the safety and stability of wealth, just like finding a solid safe haven in a storm. The AUM threshold of 5 million is calculated based on the model of middle-class households in new first-tier cities, and users at this stage have just shaken off the fear of material deprivation but are still worried about the uncertainty of the future. As a typical benchmark product, Yuebao money fund meets the needs of users to fight inflation and ensure basic survival with its high liquidity and low risk characteristics. However, the returns of such products are relatively low, making it difficult to meet users’ higher expectations for wealth growth.

Free Stage: Explore new possibilities in life

When a user’s assets reach 10 million, it marks the entry into the free phase. At this time, users’ passive income has been able to cover basic needs, and their focus has shifted from wealth accumulation to lifestyle customization and time value improvement. As a benchmark product at this stage, the private banking service system meets users’ pursuit of high-quality life by providing personalized wealth management and high-end life services. However, existing private banking services still have shortcomings in time asset allocation and need to be further optimized and innovated.

Transcendence stage: Build a value creation platform

The transcendence stage is a high-level realm of financial freedom, and when the assets reach 30 million+, the user’s needs rise to the level of social influence construction. They are no longer satisfied with personal financial freedom, but hope to create greater value for society through their own resources and abilities, like conquerors standing on the top of a mountain, eager to overlook all living beings and lead the times. As a benchmark product at this stage, the family office ecosystem integrates various functions such as wealth management, investment decision-making, and family inheritance to provide users with a comprehensive value creation platform. However, this field is still in its early stages of development and needs to be continuously explored and improved.

Note: The AUM threshold is calculated based on the model of middle-class households in new first-tier cities

(2) Key insights: the verification period of life products behind 10 million

This framework reveals a crucial insight: the “free phase” corresponding to 10 million deposits is essentially the PMF (Product-Market Fit) validation period for life products. When passive income covers basic needs, users begin to pursue the “retention rate” of the product (meaning of life) rather than simply “DAU (Daily Active User)” (account balance). This insight is like a beacon in the dark, illuminating the path of life after financial freedom.

In the field of Internet products, PMF refers to the product reaching the best fit point with the market, which can meet the core needs of users and realize business value. Introducing this concept into the field of life planning means that in the 10 million wealth stage, users need to verify whether their life products are in line with the market (social needs, personal values) and whether they can bring them continuous meaning and satisfaction in life. Users no longer only focus on the digital growth of wealth, but pay more attention to the quality of life and connotation, just as gardeners no longer only pay attention to the number of flowers, but pay more attention to the quality and blooming posture of flowers.

China Merchants Bank’s 2024 survey data provides strong support for this insight: 68% of customers with assets of 10 million to 15 million choose “semi-retirement”, and its typical behavioral characteristics are the “three-three system” time allocation model. This distribution model suggests that users are actively exploring work-life balance, trying to find meaning and value in life in different areas. They spend part of their time continuing their original careers, maintaining social connections and improving their professional abilities; devote more time to interest exploration and meet spiritual needs; At the same time, we will invest in social value and realize our contribution to society. The formation of this model is the result of users’ active exploration during the verification period of PMF for life products.

3. Follow-up research framework: deconstruction of decision-making system based on product life cycle

(1) Demand mining: reconstruct Maslow’s model

Maslow’s demand pyramid in the industrial age has three major flaws: linear assumptions (62% of high-net-worth individuals present demand “mesh jumps”), missing metrics (neuroeconomics quantifies satisfaction through fMRI), and environmental neglect (metaverse virtual identity demand). Based on this, a three-dimensional requirements model is proposed, covering basic requirements (asset security), evolutionary needs (capability expansion), and transcendence needs (digital heritage), and is realized through gamification design, NFT achievements, and other technologies.

(2) Scheme design: the agile path of life MVP

Drawing on the concept of agile development, the combination of minimum feasibility solution (MVP) and extension scheme is proposed. For example, the Bridgewater Fund’s “Life Portfolio” system optimizes decision-making quality through time allocation algorithms while reducing stress hormone levels. Core algorithms include time monetization (reference to Uber’s dynamic pricing), energy budget allocation (reinforcement learning), opportunity cost simulation (Monte Carlo model).

(3) Effect measurement: the North Star indicator of the happiness index

Build a two-dimensional verification system including financial health and life satisfaction. MIT experiments have shown that multisensory stimulation can improve memory retention for financial decisions by 89%, but the decision error rate increases by 35% when more than 4 stimulus dimensions need to be vigilant. Social experiment data show that users who use the “Wealth Meaning System” have a 1.8SD increase in life satisfaction and a 2.3SD increase in their willingness to continue working.

Chapter 1: User Mind Model and Demand Architecture Design

This chapter reconstructs the user demand architecture through product thinking, revealing the core contradiction of the digital age: the conflict between material abundance and lack of meaning. The three-dimensional demand model breaks the traditional linear framework, introduces dynamic balancing algorithms in the design of the work system, and combines anti-adaptive strategies with neural technology to form a complete closed loop from demand insight to intervention implementation. Based on this, the subsequent chapters will discuss the agile development path of life MVP and the quantitative construction of happiness index, and finally realize the leap from “asset allocation” to “life operating system” in wealth management.

1.1 Productization reconstruction of the demand level

1. Breakthrough in the limitations of the demand model in the industrial era

As a classic theory of the industrial age, Maslow’s linear hierarchical logic shows significant shortcomings in the era of digital wealth. From the perspective of product managers, the needs of high-net-worth users show three major characteristics:

• Nonlinear features of demand jumps: A 2025 study by the University of Cambridge shows that 62% of high-net-worth users have a “mesh jump” at the level of demand. For example, early cryptocurrency investors have participated in global governance through blockchain technology and directly pursued self-realization when their assets did not fully cover their security needs. This leap is similar to the “leapfrog growth” of Internet products, which cannot be explained by traditional linear models.
• The quantitative revolution in neuroscience: The Neural Management Laboratory of Stanford University found through fMRI monitoring that the activity of the nucleus accumbens was only 37 ΔfMRI when users performed wealth appreciation operations, while when participating in creative decision-making (such as public welfare project design), the synergistic activity of the prefrontal cortex and striatum reached 82 ΔfMRI. This suggests that mental demand satisfaction leads to stronger neural rewards, and traditional models lack such quantitative tools.
• Environment variables for virtual identities: The essence of metaverse users’ pursuit of NFT assets is the “new demand for respect” in the digital age. For example, high-net-worth users who hold Bored Ape NFTs can have a social capital premium of up to 40% of the asset value (Coinbase 2025 data), and the traditional model does not incorporate the reshaping of the demand structure of virtual identities.

2. Productization construction of 3D demand model

Based on product thinking, reconstruct the three-dimensional demand model (basic layer, evolutionary layer, and transcendence layer), and each layer is supported by technical implementation to form a landable demand solution:

(1) Basic layer: product-based defense of wealth security

Requirements deconstruction: Respond to traditional physiological/security needs, upgrade to quantitative management of asset safety and liquidity.

Key indicators：

• Sharpe ratio≥ 1.5 (risk-adjusted return)
• Cash flow coverage ratio ≥ 300% (passive income covers living expenses as a multiple of living expenses)

Product Cases: Betterment’s “anti-recession portfolio” dynamically adjusts the ratio of stocks and bonds through AI, automatically increasing the bond allocation from 30% to 50% when market volatility exceeds 20%, and the maximum drawdown in history is controlled within 8%.

Technical implementation: Using machine learning to predict economic cycles, combined with Monte Carlo simulation to generate 1,000 asset fluctuation scenarios, to ensure the robustness of basic layer requirements.

(2) Evolutionary layer: gamification design for ability growth

Theoretical integration: Daniel Pink’s “autonomy-specialization-meaning” theory is combined with gamification mechanisms to build a “skill tree + achievement system”.

Product design：

• Skill tree systemFor example, MasterClass’s “Elite Growth Path” splits learning into three levels of “basic skills-professional certification-cross-border integration”, and users can unlock new domain permissions for every 10 hours of course, and the completion rate is increased by 40%.
• Achievement badge system: Referring to Duolingo’s language learning model, set up “social capital badges” (such as facilitating 10 industry resource docking) and “capability expansion badges” (mastering the use of AI tools) to maintain user participation through dopamine incentives.

Data validation: LinkedIn’s “Professional Identity Index” shows that users who participate in the skill tree system increase their industry influence 2.3 times faster than traditional learners.

(3) Transcendence layer: the existential needs of the digital age

Demand evolution: From the “social influence” of the physical world to the “digital heritage” and biological evolution of the virtual world.

Technical implementation：

• DAO governance participation: Users can receive “governance contribution NFTs” for every 10 valid proposals by voting, and holders of this type of NFT enjoy 1.5 times the weight in community decision-making (Aragon platform data).
• Biological algorithm optimization: In NeuraLink’s brain-computer interface experiment, users can earn “cognitive evolution points” by uploading thinking data to train AI models, which can be used to redeem participation in anti-aging scientific research projects.

User retentionCoinbase data shows that high-net-worth users who hold NFT achievement badges have a 12-month retention rate of 78%, which is 2.3 times higher than that of ordinary users.

3. Neuroscience verification of requirements architecture

Neuroeconomic research provides biomedical evidence for demand restructuring:

• The game between the nucleus accumbens and the prefrontal lobe: Wealth appreciation stimulates the brain’s reward system (nucleus accumbens), while creative activity activates the decision control center (prefrontal lobe). In the case of Murashima making bento, his prefrontal lobe was 2.2 times more active than looking at a stock account, explaining why handmade creation brings longer-lasting satisfaction.
• The limits of multitasking: MIT Media Lab found that when users dealt with more than 3 needs at the same time (e.g., financial planning + skill learning + social maintenance), the decision error rate increased by 35%. Therefore, the 3D model emphasizes hierarchical processing and dynamically allocates cognitive resources through the “demand state engine”.

A 2024 study by the Stanford University Neuromanagement Laboratory shows:

• When users perform wealth appreciation operations, the peak activity of the nucleus accumbens is only 37ΔfMRI
• When participating in creative decision-making, the synergistic activity of the prefrontal cortex and striatum reached 82ΔfMRI
• This explains why Murashima received nerve rewards for making bento boxes far more than checking stock accounts

Combined with Daniel Pink’s “autonomy-specialization-meaning” model, we can build an architecture that is more in line with the needs of users in the digital age:

Taking high-net-worth individuals in the technology industry as an example, many people have chosen to devote themselves to public welfare, innovation and entrepreneurship or artistic creation after accumulating tens of millions of wealth. Behind this phenomenon is a vivid embodiment of the mismatch between traditional workplace value supply and users’ high-level needs. They are no longer satisfied with a step-by-step workplace life, but hope to break through the shackles of the traditional workplace and realize their life ideals in a broader world. If the traditional workplace cannot adjust the value supply structure in a timely manner, it will be difficult to attract and retain this key user group, just like an old ship in jeopardy in a turbulent wave.

Key Insights:：

• Modern people see “work” as an operating system rather than an application software: it needs to be continuously iterated (specialization), keep running in the background (autonomous), and generate user logs (meaning)
• The core pain point of wealth freedom users has changed to “lack of meaning architecture”, similar to the retention crisis after the APP loses its core function

Product Cases: LinkedIn’s Professional Identity Index shows that 83% of users with annual salaries of more than one million put “industry influence” over salary. The platform has launched a “skill charity” function to this end, allowing users to match idle skills to public welfare needs, increasing monthly activity by 27%.

1.2 Value closed-loop design of the work system

1. Quantitative equation of work value

Based on the Hawthorne effect and flow theory, the work value equation is constructed:

V = (C × R × F) / (D × E)

Variable Analysis:

• C (Task Clarity): Use the OKR system to break down the goal into quantifiable nodes, such as “complete 3 industry reports within the quarter” (standardized 0-1 score).
• R (Feedback Timeliness): Borrow from the game’s “instant feedback” mechanism, such as Notion’s task completion reminder (millisecond response).
• F (Discretion): Google allows engineers 20% free time (F-value 0.8) and 55% more creativity output through decision tree complexity assessment.
• D (Target Distance): Refer to the Gini coefficient algorithm to calculate the difference between the current state and the ultimate goal, for example, the average “meaning distance” of wealth freedom users is 0.6 (the smaller the value, the closer to the goal).
• E (Environmental Interference Level): Filter out invalid information with noise cancellation algorithms, such as RescueTime to automatically block social media notifications, increasing focus time by 40%.

Empirical data：

• Google PEAK performance team research shows that when the F-value > 0.7, employee creativity output increases by 55%
• However, people with financial freedom generally face decision-making paralysis caused by a high F-value (>0.9).

2. Work-life adaptive system architecture

(1) Input layer: accurate measurement of resources

• Time assets: Track time allocation in real time with Toggl Track to identify “time black holes” (e.g., average social media consumption of 2.3 hours per day).
• Energy budget: Dynamically adjusts task intensity in combination with heart rate variability (HRV) monitored by Oura ring. When HRV is below 50ms, automatically switch to low-energy activities (e.g., meditation, reading).

(2) Processing layer: value evaluation and dynamic adjustment

Value evaluation matrix: Calculate the task value from the three-dimensional weighting of “financial income, social capital, and cognitive growth”. For example:

• Career continuity task: financial gain 0.5 + social capital 0.3 + cognitive growth 0.2 = 0.8
• Interest exploration task: Financial gain 0.2 + social capital 0.2 + cognitive growth 0.6 = 1.0

Dynamic regulator: Reinforcement learning algorithm is used to optimize resource allocation based on user historical selection. The Bridgewater Fund’s “Life Portfolio” system allocated Dalio’s time according to “35% meditation – 45% decision-making – 20% creation”, resulting in a 28% increase in decision-making quality and a 17% reduction in cortisol levels.

(3) Output layer: the embodiment of multiple values

• Career combination: Design a “core career + side hustle matrix”, such as the transformation of former technology company executives into “industry consultants (60%) + angel investors (40%)”.
• Interest investing: Turn interests (such as photography) into “visual design skills” through the Skillshare platform, and 300 hours of learning can achieve business orders.
• Social capital: Participate in the “Skills Charity” project of a non-profit organization (such as LinkedIn’s Pro Bono feature), and every 10 hours of skills contributed can increase the industry influence index by 15 points.

Work-life adaptive systemArchitecture, as shown in the following figure:

3. Cracking strategies for decision-making paralysis

Fiscally free people often become paralyzed by excessive discretion (F-value >0.9), and the solutions include:

Limit the range of choices: Adopt the “satisfaction theory” rather than the “optimization theory”, such as limiting the evaluation of only 3 investment projects per week.

Preset decision framework: Establish a “decision tree template”, such as “whether to invest in new projects” must meet the following requirements:

• The social value score ≥ 70 points
• Cognitive growth potential ≥ moderate
• Financial risk ≤ 5% of total assets

Automated Suggestion System: For example, Personal Capital’s “Wealth Decision Assistant” generates probabilistic suggestions based on historical data (e.g., “The win rate of continuing to hold this asset is 68%).

1.3 Product strategy for resisting adaptation

1. Four-stage intervention model of hedonic adaptation

For the phenomenon of “hedonic adaptation”, it is necessary to design a dynamic difficulty adjustment system:

Based on Simon’s theory of satisfaction, constructedDopamine management system with its user journey as shown in the image below.

2. Neurotechnology application of dopamine management

(1) Variable Ratio Intensification Time Schedule (VRRS)

Drawing on Pokémon GO’s random reward mechanics, the “Fortune Achievement System” is designed:

• Random monthly “unexpected rewards” (such as temporary excess returns in the portfolio) with a probability of 15%-25%.
• Social comparison inhibition module: hide other people’s asset data, only show your own growth curve, and avoid dopamine dependence on external evaluation.

(2) Neurofeedback training

• Device access: The Muse headband monitors brain waves in real time and pushes a mini-challenge (e.g., “Complete a digital painting in 30 minutes”) when the α frequency is below 8Hz (indicating boredom).
• Biovalidation: MIT experiments showed that the intervention extended the neural adaptation cycle from 3 months to 12 months, and the frequency of users actively seeking new challenges increased by 3 times.

3. Multimodal design of embodied cognition

(1) Optimization of neural effectiveness of sensory channels

(2) Defense mechanism of sensory overload

When ≥ four senses were activated at the same time, the decision error rate increased by 35%. Solution:

• Modal switching logic: Automatically switches sensory channels based on task type. For example, financial analysis prioritizes vision + hearing, and meditation scenes only retain smell + touch.
• Nerve fatigue monitoring: Monitor the galvanic skin response (SCR) with the Empatica E4 bracelet, and force the switch off of more than 3 sensory stimuli when the SCR > 3 μS.

1.4 Social experiment and data verification

1. Design of double-blind controlled trial

• Experimental group (n=150): Use the “wealth meaning system”, including 3D demand model, adaptive system, and multimodal intervention.
• Control group (n=150): Traditional digital dashboards that only show asset data.

Results after 6 months：

• Life satisfaction: +1.8SD (p<0.01) in the experimental group and +0.5SD in the control group
• Willingness to continue working: +2.3SD (p<0.001) in the experimental group and +0.9SD in the control group

Key findings: In the experimental group, 67% of users participated in creative activities (such as writing and artistic creation), compared with only 28% in the control group, confirming the hypothesis of “meaning-driven retention”.

2. Verification at the biomedical level

TED speaker tracking research shows that high-net-worth individuals who continue to engage in creative work have serotonin levels that are 23% more stable than investors alone. As a “happiness hormone”, the stability of serotonin is positively correlated with life satisfaction (r=0.68), which provides a neuroscientific basis for the “continue to work” strategy. MIT Media Lab’s 2025 experiment proves that:

• Multisensory stimulation increases long-term memory retention for financial decisions by 89%
• However, we need to be wary of “sensory overload”: when the stimulus dimension is > 4, the decision-making error rate increases by 35%

Chapter 2: Social operating system and life version iteration

This chapter reconstructs the social and cultural system from the perspective of technological philosophy, revealing the core proposition of the digital age: when work ethics evolve into algorithmic contracts, and when the form of existence expands to the metaverse, human beings need new “existential scaffolding” to anchor meaning. The life version control system, the roadmap of the social operating system, and emerging occupational forms together constitute the infrastructure for the transition from industrial civilization to digital civilization.

2.1 Systematic upgrade of work ethics

1. Paradigm shift from religious ethics to algorithmic contracts

Max Weber’s Protestant ethics of “labor is salvation” is undergoing technological reconstruction in the blockchain era. The evolution of work ethics presents a clear technology-driven context:

• Pre-industrial era (1520-1776): Luther’s “view of vocation” sanctified labor, which was a certificate of God’s salvation, and had a strong religious directive.
• Industrial Revolution (1776-1913): Adam Smith’s division of labor gave labor the economic attribute of “efficiency is virtue”, and Ford Assembly Line further standardized labor as a time-measured industrial part.
• In the digital age (2025), :D AO (Decentralized Autonomous Organization) achieves “workload tokenization” through smart contracts, and labor value is transformed into verifiable proof of contribution on the chain, such as Gitcoin developers earn GTC tokens through code submission, and 43% of Web3 developers regard it as “digital practice”.

(1) Ethical embedding of smart contracts

The Ethereum Karma protocol builds a “labor value chain” and achieves three key breakthroughs:

• Immutable Proof of Contribution: For every PR (Code Merge Request) completed by developers, a timestamped NFT credential is automatically generated as a permanent record of their professional resume.
• Cross-platform reputation circulation: SBTs (Soulbound Tokens) integrate multi-chain contribution data from GitHub, Gitcoin, Uniswap, and other platforms to form the “Developer Reputation Index,” which directly affects the weight of their proposals in the DAO.
• Programmable Moral Incentives: Set up “negative incentive smart contracts”, such as failing to submit valid code for 30 consecutive days, automatically deducting 5% of reputation points, forming an on-chain hard constraint on “lying flat” behavior.

(2) Innovation in the organizational form of flow economy

Mikhali CheksenMihalai’s flow theory gave rise to a new type of organization, the “flow community”, in stark contrast to traditional enterprises:

Neuromanagement studies have found that the coherence coefficient of team brainwaves reaches γ 0.78 (0.32 in traditional meetings) in the state of collective flow, and the creative output is 2.8 times the normal amount at this time. The climate NFT project team entered a state of flow through synchronous meditation, and its solution design efficiency increased by 55%, confirming the efficiency advantages of the new organization.

2. The evolution matrix of the work form

Construct a two-dimensional matrix of “human-led – AI-led” and “clear rules – fuzzy innovation” to define four paradigms of human-machine collaboration:

(1) Enhanced intelligence (human-led + clear rules)

• Typical occupation: algorithm trainer
• Job description: Annotate data and optimize parameters for AI models, such as OpenAI’s annotation team to improve the generation accuracy of DALL・E by annotating images.
• Technical tools: Label Studio annotation platform, Hugging Face model fine-tuning framework
• Value proposition: Inject human experience into regular tasks that AI excels in, enhancing model generalization capabilities.

(2) Collaborative Creation (Human-Led + Fuzzy Innovation)

• Typical occupation: Metaverse architect
• Job description: Designing virtual cities in Decentraland, combining user needs with AI-generated architectural aesthetics, such as ecosystem design for Martian colonization-themed communities.
• Technical tools: Matterport 3D scanning, MidJourney concept generation
• Innovation logic: Humans are responsible for demand insight and emotional design, and AI provides technical implementation and parameter optimization, such as a virtual art museum that uses “human creativity + AI structure calculation” to increase space utilization by 40%.

(3) Automation (AI-led + clear rules)

• Typical occupations: traditional occupations (e.g., data entry clerks, customer service)
• Alternative path: RPA bots process structured data, and ChatGPT-4 answers standardized consultations
• Transformation suggestions: Transform into “human-machine collaboration supervisors”, such as bank tellers switching to AI risk control system anomaly monitoring.

(4) Uncharted territory (AI-led + fuzzy innovation)

• Typical occupation: Quantum narrator
• Job description: Interpret the impact of quantum computing results on society, such as using quantum simulation to predict climate change, and disseminate it to the public in a story-based way.
• Technical Challenges: Interdisciplinary integration of natural language processing (NLP) and quantum mechanics
• Future scenario: Quantum computers will break through the error correction problem in 2030, giving birth to a new profession of “quantum social impact analyst”.

2.2 Structural deconstruction of collective anxiety

1. The metaphor of distributed systems in Confucian culture

East Asian collectivism can be abstracted as a “distributed consensus mechanism”, and its evolution path is wonderfully echoed by blockchain technology:

• Imperial examination system (Byzantine fault-tolerant algorithm): Select elites through standardized examinations, solve the problem of governance consensus between the central and local governments, and reduce the risk of “bad money driving out good money”.
• Seniority System (PBFT Consensus): Uses seniority rather than ability as the promotion criterion, maintaining organizational stability through “majority node confirmation” at the expense of innovation efficiency.
• Involution (computing power competition): Excessive competition has led to a surge in “consensus costs”, such as the average study time of 16 hours per day for the Korean college entrance examination, and the marginal decline of total social utility.
• Web3 solutions (sharding technology): Achieve “small-scale autonomous consensus” through DAOs, such as Japan’s “deserialization movement” to increase the job hopping rate in the workplace by 210%, breaking the single consensus of seniority.

(1) Quantitative models of anxiety and cultural differences

Construct a social stress assessment formula:

Σ = (S × C) / (√I + D)

Variable Analysis:

• S (Collective Gaze Intensity): Through keyword density analysis on social platforms such as Weibo and LINE, the average S value of China’s high-net-worth individuals is 85 out of 100, which is higher than Japan’s 62.
• C (Confucianism Index): The cultural anthropology scale shows that the C value is 78 in China, 65 in South Korea, and 52 in Japan, reflecting the depth of Confucianism’s influence on “social evaluation”.
• I (Dispersion of Personal Assets): The higher the asset volatility (such as cryptocurrency holders), the higher the I value, the lower the anxiety (√ I as the denominator).
• D (Digital Twin Activity): The activity of digital identities such as UP hosts and virtual anchors on Station B can reduce the σ value by 38%, such as a technology blogger sharing investment experience through virtual avatars, reducing social pressure by 51%.

(2) The technical path of cultural transformation

• Identity circuit breaker mechanism: South Korea launched the “Career Restart Visa”, allowing professionals over the age of 35 to apply for a two-year “exploration period”, during which they can retain their social security qualifications, and the rate of job hopping increased by 210% and the rate of depression visits decreased by 19% during the pilot period.
• Reputation Cross-Chain Bridge: Japan’s Recruit Group’s “Skill Passport” system connects the “seniority series points” of traditional enterprises with the “contribution tokens” of Web3, allowing users to convert their workplace experience into on-chain reputation, reducing cross-industry transformation costs by 60%.
• Decentralized Families: Chinese Singaporeans experiment with a DAO inheritance system to distribute inheritance through smart contracts, avoiding traditional inheritance disputes. A family DAO has set up an “automatic execution clause for charitable donations” and allocates 3% of the proceeds annually to environmental protection projects to strengthen family cohesion.

2. The ontological revolution of digital existence

(1) Proof of existence reconstruction in the metaverse

Heidegger’s philosophy of “being and time” has been reinterpreted in the virtual world:

Physical Existence (Industrial Age): The body is a “vessel of existence”, and organ augmentation (e.g., prosthetics, brain-computer interfaces) attempts to break through physiological limitations but is still limited by physical space.

Digital Presence (2025):

• Avatars: In the social metaverse, users build “digital personalities” through NFT wearable equipment and SBT achievement badges, and Decentraland users have an average of 3.2 differentiated avatars.
• Multi-chain identity: Polygon ID realizes identity interoperability across Decentraland, Sandbox, and NFT Worlds, forming a “existence trajectory chain” with users’ behavior data in different metaverses.

Recursive Creation: AI-generated content (AIGC) has become an extension of existence, such as users using GPT-5 to generate novels and Stable Diffusion to create art, and their digital footprint entropy (DIG) increases by 5 points for every 100 bits of their digital footprint entropy (DIG).

(2) The existential dilemma of human-machine collaboration

When AI can generate realistic avatars and simulate human emotions, the “authenticity of existence” faces challenges:

• Identity confusion risk: Virtual anchors produced by deepfake technology have difficulty distinguishing between them and real people, with 41% of virtual idol fans believing that “avatars are more in line with their ideal selves.”
• Existential value crisis: Neuroeconomic experiments show that when users interact with AI avatars, the ventral tegmental area (VTA) is only 63% more active than human interactions, and long-term dependence may lead to deterioration in social skills.

(3) The utility function of existential economics

Build utility functions across the physical and digital worlds:

U = ∫(α•DIG + β•PHY)•e^rt dt

Variable Analysis:

• DIG (Digital Footprint Entropy): Measures the richness of digital presence, such as the number of NFT collections, DAO governance participation, with a α coefficient of 0.6 (higher for digital natives).
• PHY (Physical Experience Intensity): Real-world sensory experiences, such as travel, sports, with a β coefficient of 0.4 (higher in traditional high-net-worth individuals).
• r (Cross-Universe Discount Rate): The valuation of future existence, with an R-value of –0.05 for metaverse users (inclination towards instant gratification) and 0.03 for traditional investors (focus on long-term planning).

Behavioral experiments: When the DIG/PHY ratio is in the range of 0.6-1.2, happiness is Da Pareto optimal. A user maintained a ratio of 0.9 through the “3 days a week physical office + 2 days of metaverse collaboration” mode, reducing anxiety by 34% and creativity by 27%.

2.3 Life version control system design

1. Existence management tools based on Git principles

Drawing on the version control idea of software development, the “life version control system” is designed:

(1) Core functional modules

• Time machine rollback: Restore any state of life through memory diary and image data. If users can select “2020 Entrepreneurship Edition”, the system will automatically retrieve the social relationship and asset allocation data at that time for users to review.
• Bifurcation experiments: Parallel testing of different lifestyles. A user runs two forked versions of “Full-time Artist” and “Consultant” at the same time, allocates 50% of the time to each version through a smart contract every month, and chooses the path of faster social capital growth after 6 months to merge.
• Merge requests: Reconcile physical and digital identity conflicts. When avatars sign commercial contracts in the metaverse, the system automatically triggers “identity conformity verification” to ensure that on-chain behavior aligns with legal responsibilities in the physical world.

(2) Technology implementation path

• Data layer: IPFS is used to store life logs to ensure that data cannot be tampered with; Multi-node synchronization is achieved through OrbitDB, which supports cross-device access.
• Application layer: Develop the “Life Dashboard” interface, using Gantt charts to display different versions of time allocation, target progress, such as “Health Management Branch” to display daily exercise data and meditation duration.
• Security layer: Zero-knowledge proofs (ZK-SNARKs) protect privacy, and users can selectively disclose part of the life version data, such as showing investors the decision-making process of the “trial and error version of entrepreneurship” to enhance trust.

2. The evolution roadmap of social operating systems

(1) Infrastructure Construction (2024-2027)

• Digital identity protocol standardization: Integrate DID (decentralized identity) and SBT to achieve a unique identity of “one person, one chain”, which is expected to cover 70% of high-net-worth individuals by 2026.
• Value measurement standard: Establish a “Social Impact Token” (SIT), 1 SIT = 1 hour of public welfare service, which can be exchanged for commercial resources or government policy support.

(2) Application layer expansion (2025-2035)

• Meaningful market: Around 2028, the world’s largest “existential value trading platform” will be formed, allowing users to buy and sell new products such as digital heritage inheritance rights and cross-universe experience rights.
• Consciousness Cloud Network: In 2035, large-scale commercial use of brain-computer interfaces will be realized, and users can upload their thinking data to the cloud to form a “copy of consciousness” to participate in metaverse activities, at which time the value of “digital presence” will exceed that of physical existence.

(3) Monitoring index system

• Global Significance Economic Scale (GME): Statistics on SIT circulation, NFT transaction volume, etc., reflecting the economic value of digital existence.
• Human Development Index 2.0 (HDI+): Includes indicators such as digital footprint entropy and multi-chain identity activity to measure individual development more comprehensively.
• There is a global average of the coefficient of abundance (EAF) :D IG/PHY ratio, with a target range of 0.8-1.0 by 2030.

Chapter 3: User behavior analysis and product solutions

This chapter builds a full-scenario solution for high-net-worth users from continuous participation, middle-class transformation to risk protection through the intersection of behavioral economics, neuroscience and product design. The core breakthrough is to deconstruct user behavior into quantifiable demand signals, and achieve precise intervention through algorithm models and technical tools.

3.1 Continuous participation mechanism of high-net-worth users

1. Deconstruction of behavioral economics of the work model of the wealthy

The essence of the phenomenon of “pseudo-retirement” of the top rich is a leap in the level of demand, and behavioral economics research reveals that its core motivation is distributed in three dimensions:

• Social impact building (38%)For example, Bill Gates promoted global vaccine research and development through the foundation and turned wealth into a voice in the field of public health, which is in line with the theory of “transcendental needs”.
• Cognitive performance maintenance (25%): Buffett’s habit of reading 500 pages of financial reports every day is essentially to reduce the risk of Alzheimer’s disease through “cognitive reserves” (studies show a 27% reduction in risk) while maintaining decision-making sensitivity.
• Social network consolidation (22%): Bezos invested in the Space Exploration Club, gathered global technology elites through Blue Origin, and built a cross-industry resource network, with a social capital premium of 15% of its asset size.
• Family Succession Pressure (15%): The Rockefeller family cultivates the business ability of their offspring through the “family entrepreneurship simulator”, and 37% of high-net-worth families use the length of time their children participate in family projects as a weight indicator for inheritance distribution.

Neuroimaging showed that when wealthy people participated in social impact projects, the activity of the dorsolateral prefrontal cortex (DLPFC) increased by 45%, and this area was related to long-term goal planning and self-identity. while wealth management activities alone only activate the ventral striatum (VS), which is associated with short-term reward processing. This difference explains why meaning-driven work leads to more lasting satisfaction.

2. Continuously participate in the construction of the system’s triple helix model

Construct a closed-loop incentive system of “wealth capital-social capital-intellectual capital”, and realize quantification and transformation through technical means in all dimensions:

(1) Influence power tool: charity ROI calculator

The Gates Foundation has developed tools to translate public welfare inputs into quantifiable social returns:

Indicator system：

• Life-Saving Cost (USD/Life)
• The magnitude of the decrease in the incidence of the disease
• Community economic multiplier effect

Technical implementation: Combining satellite remote sensing (monitoring the effectiveness of malaria prevention and control) and blockchain (tracking the flow of funds), if the social ROI of a vaccine project reaches 1:8.2, that is, every $1 invested drives the social value of $8.2.

(2) Cognitive training system: neuroplastic training APP

Berkshire Hathaway’s internal tools sustain executive cognition with a daily financial decision-making game:

Training modules：

• Scenario simulation: Historical scenes such as the Great Depression of 1929 and the financial crisis of 2008 are reproduced
• Decision Competition: Play against AI portfolios in real-time, triggering knowledge replenishment when the win rate is below 60%

Data effects: Users who use it for 6 months have a 12% increase in Raven Reasoning test scores and 18% faster decision-making.

(3) Intergenerational Inheritance Sandbox: Family Entrepreneurship Simulator

The virtual environment developed by the Rockefeller family office allows young members to learn by trial and error:

Simulate the scene：

• Market volatility (e.g., a 50% crash in crypto)
• Sudden policy changes (e.g. sudden inheritance tax)
• Technological disruption (e.g., AI replacing core businesses)

Evaluate the dimension：

• Crisis response speed
• Rationality of resource allocation
• Team leadership performance

Output results: Form an “inheritance readiness index”, and members with a score of ≥ 80 can get the decision-making power of the family fund.

3.2 Adaptive dilemmas and solutions for the middle class

1. Analysis of key breakpoints of FIRE motion failure

Through the user journey map, it was found that FIRE participants entered a “target vacuum” 3-6 months after retirement, and the core pain points included:

• Lack of meaning: 62% of respondents said that “after losing their workplace identity, they don’t know how to define themselves”, similar to the retention crisis of apps losing their core functions.
• Social capital is shrinking: The average monthly social activity decreased from 12 to 4 in the workplace, and serotonin levels decreased by 19%, leading to an increase in depressive tendencies.
• The consumption structure is unbalanced: The proportion of non-essential consumption rose from 15% to 38%, and the rate of wealth consumption was 22% faster than expected, triggering a “cycle of financial anxiety”.

82% of failure cases lack an “OKR alternative system”, such as an Internet practitioner who was addicted to games every day after retirement, and experienced cognitive decline (Wechsler Adult Intelligence Scale score decreased by 7 points) after 6 months, and was forced to return to the workplace.

2. Progressive retirement product design

Design a transition scheme of “decreasing work intensity stepwise”, combined with the principle of behavioral design to reduce the resistance to transformation:

(1) Transition calculator: dynamic retirement path planning

Enter the parameters：

• Existing Asset Size (AUM)
• Average monthly consumption (including inflation adjustment)
• Risk Tolerance Level (Level 1-5)

Algorithmic logic：

• 1000 retirement scenarios are generated based on Monte Carlo simulations
• Recommended “safe exit threshold” (e.g., assets need to reach 300 times the monthly consumption)
• Output “work intensity decreasing curve” (e.g., 80% of the work is retained in the first year, and it is reduced to 50% in the third year)

Case: 45-year-old programmer, assets of 8 million, monthly consumption of 30,000 yuan, the calculator recommends a “5-year transition period”, and assets need to reach 12 million when fully retired in the fifth year.

(2) Interest matching engine: Holland’s career interest is rediscovered

Evaluation dimension: Realistic (R), Research (I), Artistic (A), Social (S), Enterprise (E), Conventional (C)

Matching Strategy：

• Social type (S): recommended public welfare organization management and community education
• Art type (A): Docking with NFT art platforms and independent music production

Technical implementation:API connects to platforms such as volunteermatch.org and patreon.com to automatically generate an “interest-project” matching list.

(3) Social maintenance system: ecological construction of transformers

Functional modules：

• Kind matching: LBS is positioned to find transformers at the same stage within 3 kilometers, such as the “semi-retired technicians” community
• Theme Salon: Organize “transformation pain point workshops” every month, and invite psychological counselors and financial advisors to participate
• Virtual identity: Created the “Middle Class Transformation Club” in Decentraland to enable cross-regional communication through VR technology

Data effects: After 6 months, the social activity of users participating in the social system recovered to 73% of the workplace period, and the incidence of depression was reduced by 51%.

3.3 Risk control system for extreme cases

1. The neurobiological mechanism of wealth shock

Sudden wealth (such as lottery winning, company IPO) leads to disordered decision-making systems, and the neural mechanism is manifested as:

• Dopamine storm: The activity of the nucleus accumbens surged by 300%, triggering impulsive decisions (such as buying supercars and luxury goods within 72 hours).
• Prefrontal lobe inhibition: The activity of the dorsolateral prefrontal cortex (DLPFC) decreased by 40%, resulting in paralysis of risk assessment ability, and the investment failure rate of an IPO founder reached 68% within 3 months.
• The pressure of social relations restructuring: Serotonin levels fluctuated 4.2 times the normal value, triggering an interpersonal trust crisis, and the divorce rate rose from 18% of the general population to 68% (National Trust data).

Biomarkers for risk warning

Core indicators：

• Dopamine turnover rate (DAT): > 500 pg/mL suggests impulsivity risk
• Serotonin transporter (5-HTT) gene polymorphisms: Short allele carriers are more prone to maladaptation

Monitoring program: Real-time monitoring of galvanic skin response (SCR) through the Empatica E4 bracelet, when the SCR > 3 μS for 1 hour, triggering a risk warning.

2. The four-layer protection architecture of the wealth immune system

(1) Social relationship protection: contact diversity monitoring

Early signal: Non-work contacts accounted for <20% in the address book, and no new contacts were added for 3 consecutive months

Intervention protocol：

• Compulsory activation of the “network health plan”, such as meeting 2 non-industry people per month
• Smart contracts lock some assets and need to pass social relationship evaluations (such as completing 10 valid social interactions) to unlock

Technical implementation: Use GraphQL to analyze the address book graph, calculate the “structural hole index” (which measures the diversity of social networks), and trigger an alarm when it is below 0.5.

(2) Consumer behavior protection: smart contract cooling-off period

Triggers:A single consumption exceeds 5 times the average monthly consumption (e.g., when the monthly consumption is 50,000, the single > is 250,000 yuan)

Execution logic：

• Funds enter a 72-hour freezing period
• Initiate a “consumption decision questionnaire” (e.g., “Is this consumption consistent with long-term goals?”) “Can it bring sustainable value?” ）
• If the questionnaire score < 60 points, the transaction will be automatically terminated

Case effect: After DBS Bank implemented the mechanism, irrational consumption by high-net-worth customers decreased by 47%.

(3) Mental health protection: biorhythm intervention

Monitoring tools: Oura ring tracks sleep cycles, heart rate variability (HRV)

Intervention strategy：

• When HRV < 50ms and sleep < 6 hours for 3 consecutive days, an automatic appointment with a counselor is made
• Start a “digital detox plan”, block social media notifications, and make mindfulness meditation mandatory for 1 hour every day

Neurofeedback: Using the Muse head band to guide α wave enhancement can reduce anxiety levels (SAS scale) by 22% over 2 weeks.

(4) Identity cognition protection: digital footprint purification

Content monitoring: NLP sentiment analysis social media posts trigger alerts when “conspicuous content > 40%”

Purification tools：

• Automatically hide asset-related updates
• Generate “meaning-oriented content” (such as public welfare activities, skill sharing) to improve the “social value index”

Case: An entrepreneur increased the “industry influence orientation” of LinkedIn content from 23% to 68% by purifying its digital footprint, gaining more cooperation opportunities.

3. The relational consensus engine of family wealth governance

Design a closed-loop system of “value alignment-conflict simulation-legacy rehearsal” to solve the tension of family relationships brought about by wealth:

(1) Value visualization: radar map evaluation

Dimension settings: Wealth creation, consumption concept, social contribution, intergenerational inheritance

Evaluation process：

• Family members independently complete the values questionnaire (20-item Likert scale)
• Generate a radar map difference map, such as parents pay more attention to “inheritance” and children pay more attention to “social contribution”
• Highlight divergence points (e.g., inheritance weight difference >30%)

Case: A family discovered differences on “children’s entrepreneurship support” through radar maps, reached a “venture capital fund” plan through three rounds of negotiations, and set up 5 million entrepreneurial trial and error funds.

(2) Conflict simulator: rehearsal of decision consequences

Technical implementation: Build a virtual family scene based on the Unity engine and input different decision parameters (such as inheritance distribution ratio and consumption restrictions).

Simulate dimensions：

• Change in emotional intimacy (1-10 points)
• Comparison of wealth consumption speeds
• Social reputation impact

Application scenarios: Rehearsing the decision of “donating all inheritance to charity”, it was found that the emotional intimacy of children will drop by 4.2 points, prompting families to adjust to the “50% donation + 50% trust” plan.

(3) Heritage Sandbox: Virtual Distribution Experiment

Functional design：

• Dynamically adjust the proportion of the estate and display the tax impact in real time
• Simulate the ability of different heirs to manage assets (e.g., stock investment, business operations)
• Generate “Estate Distribution Satisfaction Index”

Data-driven: Referring to the U.S. Trust survey, families that simulate their inheritance in advance have a 73% reduction in the incidence of inheritance disputes and a 28% increase in wealth retention rates across generations.

3.4 Integrated Solution: Life Transition Operating System

1. Whole process management driven by user portrait

Build a three-dimensional user portrait system including wealth, risk, and social networking:

WealthProfile：

• Liquid Assets: Real-time synchronization of bank and brokerage data
• Risk Appetite: Dynamically updated with a 10-question risk questionnaire (e.g., “Do you accept 20% of the principal loss?”)
• Social Capital: Integrate network data from platforms like LinkedIn and Meetup

Transition Planner：

• calculateGlidepath: Predict retirement nodes based on asset growth rate and consumption curve
• MonitorAdaptation: Weekly assessment of life satisfaction and social connection strength

SafetyNet System：

• Relationship Monitor: Early warning of abnormal family/friend relationships
• Consumption Guard: Block irrational consumption behavior

2. Core algorithm and technology integration

• Time monetization algorithm: Refer to Uber’s dynamic pricing model to assign different value factors to users’ time. For example, the “Career Duration Time” is worth $200/hour, and the “Interest Exploration Time” is $50/hour, helping to optimize time allocation.
• Monte Carlo Risk Simulation: Generate 100,000 economic fluctuation scenarios and calculate the “financial security probability”. A user has assets of 12 million and a monthly consumption of 40,000 yuan, and the simulation shows that his financial security probability is 89%, and it is recommended to increase the annuity insurance to 95%.
• Strengthen the dynamic regulation of learning: Automatically adjust intervention strategies based on users’ daily behavioral data (such as social time and decision-making quality). For example, the decision-making error rate > 30% for 3 consecutive days, which automatically reduces discretion and increases the weight of the system’s recommendation plan.

3. Implementation effect and case verification

Case background: 45-year-old technology company executive, with assets of 12 million and semi-retirement, has a 37% drop in meaningfulness score and a 29% drop in social activity.

System response：

• Meaning domain intervention: Push the “Education Innovation Sandbox” project (matching its 10 years of experience in the education industry), design AI-assisted teaching tools, and obtain 2 patents within 3 months.
• Relational domain intervention: Through the alumni network, 5 transformers in the same industry were matched, and the “Science and Technology Education Forum” was organized, and social activity returned to the baseline level.
• Financial domain reconciliation: Adjust the investment portfolio and transfer 20% of the funds to the “Education Technology Fund” to create social value and obtain an annual return of 15%.

Effect after 6 months：

• Life satisfaction score increased from 52 to 78 points (100-point scale)
• Willingness to continue working increased from 32% to 69%
• Social value contribution index increased by 210%

A complete framework based on user profiles:

Chapter 4: Existential Product Design – Building an Operating System for the Meaning of Life

When wealth management evolves from a digital dashboard to a meaningful operating system, it is essentially the ultimate return to “people are the end, not the means”. This chapter does not build a standardized solution, but a flexible framework that accommodates multiple existences – it allows users to design their own versions of life with product thinking on the basis of financial security, and find irreplaceable meaning of life in the fusion of virtual and real.

As Heidegger said: “The meaning of living to death is to make life move from a passive ‘thrown state’ to an active ‘planning state’.” “The ultimate value of the meaning of life OS lies in transforming wealth into the freedom of existence, so that each individual can become the chief architect of their own life narrative, and continue to write the incalculable spark of divinity of human beings in digital civilization.

4.1 Commercialization of happiness algorithm

1. Digital translation of Aristotle’s theory of happiness

Aristotle’s “eudaimonia” (happiness is the practice of the soul’s virtue) can be deconstructed into three quantifiable dimensions in the digital age:

1. Ability matching: The degree of fit between skill maps and real-world activities, such as the ability tomosphere assessment of financial practitioners when transforming art curation.
2. Realistic engagement: Calculate the proportion of creative activities (e.g., 10 hours of creative time per week≥ from the behavior log).
3. Social value equivalent: Measurable impact of contribution behavior, such as the number of people rescued by public welfare projects and the number of users benefiting from technological innovation.

(1) Happiness index calculation model

(2) Product case: LinkedIn Purpose Index

Dimensional design：

• Value fit: The degree of match between job descriptions and user value keywords (such as “sustainable development” and “technological innovation”).
• Growth acceleration: Skill tree completion rate (e.g., unlocking 3 new skill nodes ≥ year).
• Influence radiation: the proportion of “meaning-related connections” in workplace social networks (such as contacts of non-profit organizations, cross-industry innovators).

Data effects: The career stability of high-match users increased by 42%, and the active turnover rate decreased by 58%.

2. Neurobehavioral intervention of anti-lying mechanism

(1) Early warning-intervention model for meaning loss

(2) Dopamine dynamic regulation technology

• Variable ratio enhancement algorithm: Referring to Pokémon GO’s rare Pokémon mechanic, every 3 regular creation tasks completed, a “meaningful achievement” will be randomly triggered (such as a work being included on a well-known platform), and the neural adaptation cycle will be extended from 3 months to 12 months.
• Closed loop of neurofeedback: Use the Muse headband to monitor concentration in real time, and when distraction is detected (β wave > 20Hz for 5 minutes), automatically play user-defined “meaning anchor audio” (e.g., mentor encouragement voice, past achievement review).

4.2 There is free productized expression

1. Interaction design of Sartre’s theory of freedom

Sartre’s theory of “existence before essence” is transformed into a chain of “choice architecture-identity-responsibility visualization” in products:

(1) Value clarification toolkit

• Decision stress test: Simulate the 10-year consequences of different choices (such as “completely lying flat” vs. “semi-retirement entrepreneurship”), and generate 300+ scenarios through the Monte Carlo algorithm to quantify financial risks (such as the probability of asset shrinkage) and the decline of social capital (such as the decline in industry influence).
• Identity plasticity assessment: Analyze the user’s past choice trajectory, calculate the “identity entropy” (such as the diversity of occupation, interests, and social circle), and the low entropy user (<0.3) suggests that there is a risk of solidification, and recommend the “cross-border experience package” (such as 1 month of farmer life, virtual astronaut training).

(2) Responsibility rehearsal simulation system

Ethical decision sandbox: Design a scenario variant of the “Tram Problem” category (such as the trade-off between the benefits and environmental impact of investing in a highly polluting enterprise), and generate a “Moral Load Report” after the user selects it, including:

• Neural response data (e.g., anterior cingulate cortex activity reflects the intensity of moral conflict)
• Social opinion simulation (e.g., Twitter negative review spread prediction)

Digital Heritage Simulator: Users can preset the future behavior of the avatar (such as the NFT collection donation ceremony in 2070) and automatically execute it through blockchain smart contracts to enhance the time penetration of existence.

2. Multi-dimensional tracking of the consequences of choice

(1) There is a dimensional scoring system

(2) Existential first aid mechanism

Trigger conditions: The score of any dimension is < 2 points for 30 consecutive days, or the user actively enters the keyword “existential crisis”.

Intervention process：

• Philosophical Dialogue EngineGPT-5 simulates the dialogues of existential philosophers such as Sartre and Camus, guiding users to reconstruct the meaning of choices.
• Reality anchors the task: Complete “small but specific creations” (e.g., plant plants, write open source code snippets) within 48 hours, and recreate the tactile presence through physical manipulation.
• Community Witness Ceremony: Publicly share existing difficulties in the DAO community, obtain “meaning endorsement NFTs” from peers, and rebuild social connections.

4.3 System integration of dynamic balancing engine

1. Automatic adjustment of three-domain collaboration

Construct a dynamic balance model of financial, meaningful, and social domains, and achieve optimal resource allocation through reinforcement learning:

(1) Fluctuation response in the financial domain

Algorithmic logic: When the volatility of an asset > 20%, it is automatically executed:

• Reducing non-essential spending budgets (e.g. 50% reduction in luxury spending)
• Launch the “skills monetization” channel to turn idle skills (such as industry consulting) into passive income

Case: When a user’s assets shrank by 15%, the system recommended him to open an investment course in MasterClass, generating 820,000 yuan in income within 3 months, and his financial anxiety index dropped by 41%.

(2) Meaning domain decline intervention

Content recommendation strategy：

• Interest matching: Based on historical creation data (such as users having published AI art reviews), “generative art workshops” and “NFT curator training” are pushed.
• Dynamic difficulty adjustment: Use the flow theory model to automatically reduce task complexity when the user’s creative frustration > 60% (e.g., from independent curation to assisted exhibition).

Neurofeedback validation: After the intervention, the synergistic activity of the prefrontal cortex and striatum increased by 28%, which was close to the threshold of “flow state” (≥80ΔfMRI).

(3) Social domain early warning and disposal

Relationship network optimization：

• Weak connection activation: Identify potential high-value contacts (such as blockchain entrepreneurs you have worked with) through the SixDegrees algorithm and automatically generate “icebreakers” (such as sharing industry reports of common interest).
• In-depth dialogue guidance: Push “existential topic packs” (such as “The Paradox of Wealth and Freedom”) every week to improve the density of ideas in social interaction.

Data effects: After 6 months of intervention, the proportion of “meaning resonators” in the user’s core social circle increased from 22% to 53%, and the loneliness score decreased by 39%.

2. Personalized cases of life rebalancing

(1) User portrait:

• A 45-year-old technology entrepreneur with assets of 12 million has a 37% drop in meaning and a 29% drop in social activity after semi-retirement.
• Core contradiction: After the technological dividend fades, the identity crisis of “innovator identity”.

(2) System response plan:

Meaning domain reconstruction：

• Access to the “Education Innovation Sandbox” project and use its AI technology background to develop the “Programming Thinking Enlightenment” NFT course, reaching 5,000+ child users.
• Design the “Technological Heritage” module, cast early code contributions into “Blockchain Genesis NFT”, and permanently display it in the Metaverse Technology Museum.

Social domain activation：

• Organize the “Middle-aged Transformers” DAO community and hold “Technology Life Salon” every week to attract 200+ users in the same circle to participate.
• Intelligent matching of non-profit organizations (e.g., “rural digital literacy program”) to transform technical capabilities into social value (training 100 rural teachers).

Financial domain reconciliation：

Set up a “Meaningful Investment Fund” to invest 15% of its assets in edtech start-ups to obtain financial returns (12% annual return) and meaningful appreciation (support for 3 innovative projects).

(3) Effect evaluation:

• After 6 months, the meaningfulness score returned to the baseline level, and social activity increased by 41%.
• Spontaneously create an “intergenerational learning community” to promote the cross-generational circulation of technical experience, and the social value equivalent reaches 3.2 times that of the initial state.

4.4 Infrastructure construction for civilization upgrading

1. The core agreement of the meaning economy

(1) Soulbound Voucher (SBT) system

Functional design：

• Record creative contributions (such as publishing papers and initiating public welfare projects), which are non-transferable but cumulative, forming a “meaningful resume”.
• Associate on-chain behaviors (such as DAO voting, NFT creation) to generate a “proof-of-existence index” that affects the reputation weight in the metaverse.

Technical implementation：

• The EIP-721A protocol is used to realize soul binding, ensuring the inseparability of identity and contribution.
• Cross-chain integration of ENS (Domain Name Service), POAP (Activity Credential) and other data to build a multi-dimensional existence file.

(2) Time Bank 3.0

Value pricing system：

• 1 hour of philosophical discussion = 1.5 meaning tokens (MIT certified “cognitive enhancement time”)
• 1 hour of assembly line work = 0.8 tokens (standardized labor has a lower meaning density)

Application scenarios：

• Knowledge workers can contribute industry insights to redeem “presence enhancement services” (such as admission to brain science symposiums).
• Retirees exchange their lifetime experience for “digital twin training time” to improve the intelligence level of virtual identities.

(3) Meaning oracle

Consensus mechanism：

• The community votes on the value of the event by staking “meaning tokens”, and the weight is linked to the amount of coins held and the accuracy of historical judgment.
• Dynamically adjust the exchange rate, such as an environmental protection project increases its influence from 1.2 to 2.0 for its 1-hour participation time.

Data validation: Participants had 89% higher long-term memory retention than normal activities in high-meaning activities as assessed by oracles (MIT Media Lab data).

2. The existential turn of Education 4.0

(1) Reconstruction of the ability training matrix

(2) Implementation of the metaverse apprenticeship system

Immersive learning scenarios：

• Learn anatomy in the virtual Da Vinci studio, feel the anatomical operation through VR tactile gloves, and the neural memory strength is 2.8 times that of traditional teaching.
• Talk to Einstein simulated by AI to discuss the philosophical significance of relativity to the existence of time and space, and increase the time spent deep thinking by 50%.

DAO-style growth assessment：

• Learners receive learning resources by contributing teaching content, such as creating a quantum mechanics visualization model, and the community votes on course priorities.
• The graduation criteria have shifted from “knowledge mastery” to “the quality of questions”, such as asking meta-questions such as “can AI have free will” can win the highest honor.

3. Roadmap and monitoring indicators for civilization upgrading

(1) Development stage planning

(2) New evaluation system

Human Development Index 2.0 (HDI+)：

• Digital footprint entropy (DIG) and multi-chain identity activity (e.g., the duration of existence across 3 metaverses per month) are included.
• The HDI+ score of a metaverse resident reached 0.92, of which the contribution of digital existence accounted for 45%, surpassing the weight of traditional physical existence.

Existential Innovation Index (EII)：

The proportion of “non-utilitarian creation” in computing society (such as artistic creation and philosophical research time) is 0.37 in 2025, and the goal is to increase to 0.65 in 2035.

Conclusion: Start the journey of product innovation in the post-wealth freedom era

1. The essence of financial freedom: from material accumulation to system reconstruction

The ultimate question of “whether 10 million is lying flat” is essentially a cognitive revolution in the transition period from industrial civilization to digital civilization. When Bitcoin breaks through the $100,000 mark and the brain-computer interface achieves minute-level neural data synchronization, the definition of wealth has long gone beyond the number of bank accounts – it is the starting resource for reconstructing the operating system of life and the key to unlocking multiple forms of existence. According to Boston Consulting Group, 45% of high-net-worth individuals in 2025 will list “the speed of life version iteration” as the core KPI of wealth management, which marks the core contradiction of the “post-wealth freedom era”, which has shifted from “how to accumulate wealth” to “how to use wealth to design a better way of existence”.

From the perspective of product managers, the needs of wealth freedom users are undergoing a triple leap:

1. From passive recipients to active designers: Traditional wealth management such as standardized APP, users can only choose preset functions (such as fixed investment, wealth management); Users in the post-financial freedom era require to become “life product managers” and customize their demand structure (such as designing a hybrid version of life of “semi-retirement-creation-public welfare”).
2. From single-dimensional optimization to system-level refactoring: The wealth goal of the industrial age is linear “financial security”, while the digital age needs to balance financial health (such as Sharpe ratio), life satisfaction (such as the proportion of flow time), and a sense of meaning (such as social value equivalent) 3D system, similar to a complex enterprise-level ERP system.
3. From finite life cycle to cross-generational inheritance: 68% of millennial high-net-worth users want wealth to become an “extended protocol for family existence”, such as achieving cross-generational decision-making through DAO governance and using NFT to record the evolution of family cognition, which forces wealth management to shift from “personal asset allocation” to “social operating system construction”.

2. The underlying logic of product innovation: from functional iteration to paradigm revolution

Product innovation in the post-financial freedom era needs to break through the “functional superposition” thinking of traditional wealth management and turn to the following three paradigms:

(1) Neurocentric design

Neuroeconomic research shows that users’ perception of wealth is not rational calculation, but is determined by the coordinated activity of brain regions such as the nucleus accumbens and the prefrontal lobe. For example, the dopamine stimulation from checking account balances lasts only 8 seconds, while the neural reward for engaging in creative activities lasts more than 24 hours (Stanford fMRI data). This requires product innovation to focus on “maximizing neural utility”:

• Multimodal feedback system: Wealthfront’s combination of 3D asset forest (visual) + Alipay gold coin sound effect (auditory) + Coinbase cold wallet touch (tactile) increases the long-term memory retention rate of financial decisions by 89%, which is essentially to strengthen the emotional connection between users and wealth through neurostimulation.
• Adaptive mechanism: Drawing on Pokémon GO’s random reward algorithm, the “Wealth Meaning Blind Box” is designed to randomly trigger non-material rewards (such as dialogue opportunities with Nobel Prize winners, VIP status in metaverse art exhibitions) every month, breaking the decay of satisfaction caused by hedonic adaptation.

(2) Existential product architecture

Sartre’s philosophical idea of “existence before essence” is transformed into the design concept of “choice is programming” in products:

• Life version control system: Drawing on Git’s branch management logic, it allows users to test different life branches such as “workplace elite” and “digital nomad” in parallel. A user found through a “fork experiment” that metaverse creation 2 days a week can increase happiness by 27%, and finally merged the model into the main version.
• Responsibility visualization engine: Design the “Influence Trajectory Map of Lying Flat Choice” to show the long-term impact of different decisions on finance, social and existential meaning with heat maps. If it is completely flat for 3 years, social capital may drop by 45%, and the “three-three system time allocation” can maintain capital balance, which reduces the blind spot of decision-making.

(3) Social operating system thinking

The ultimate need of wealth freedom users is to embed personal existence into a larger network of social meaning. Referring to the distributed consensus mechanism of blockchain, product innovation needs to build a “individual-society” value closed loop:

• Meaningful Metrics Protocol: Develop “Social Impact Token (SIT)”, 1 SIT = 1 hour of public welfare service neural reward equivalent, which can be exchanged for commercial resources or government policy support to achieve quantitative circulation of meaningful value.
• Intergenerational inheritance DAO: The Rockefeller Family Office’s “Family Entrepreneurship Simulator” has proven that cultivating heirs’ decision-making skills through virtual trial and error can increase family wealth retention rates by 28%. In the future, it will evolve into a DAO governance model, where young members can obtain token voting rights by contributing ideas, avoiding the power gap of traditional inheritance.

3. Future picture: from wealth management to civilization upgrading

Product innovation in the post-financial freedom era will eventually promote human society into the “stage of abundance”, which is marked by three major changes:

(1) Dematerialized migration of wealth

When the value of digital heritage (e.g., NFT art collections, on-chain reputation) exceeds physical assets, wealth will evolve into a “computable carrier of meaning”. Case: A cryptocurrency investor minted a private key into an NFT, and after his death, the smart contract automatically donated the asset to an environmental protection organization and triggered a metaverse memorial ceremony.

(2) Gamification reconstruction of work

The flow economy will disrupt traditional workplaces, such as Uniswap’s “developer tree” system, making work a “collectible achievement system” through the skill NFT evolution mechanism. 43% of Web3 developers in 2025 will regard code submission as a “digital practice,” and labor ethics will shift from “efficiency-first” to “immersive experience-first,” similar to the evolution from traditional RPG games to open-world games.

(3) Civilized algorithmic collaboration

DAOs will become the basic unit of social governance, such as Singapore’s “Smart Nation 3.0” plan, which quantifies the meaning output of individuals to urban development through citizen contribution tokens (CCTs). When the social influence of free users of wealth can be fairly distributed through algorithms, mankind will realize a new form of civilization of “allocating resources according to meaningful contributions” for the first time, which may be the embodiment of Marx’s “union of free people” in the digital age.

4. The mission of the product manager: to be an architect of possibilities

In this algorithm-dominated era, the ultimate value of product managers is to protect the openness of human choice. Just like Van Gogh used his paintbrush to fight the mechanics of the industrial age, we need to use product thinking to build an escape pod in the “algorithmic cage” – allowing users to retain “anachronistic” emotional choices on the basis of financial security:

• Support users to build a pottery studio with 10 million, even if the ROI is negative, because the activity of the prefrontal lobe activated by creativity is 3 times the return on investment;
• Design an “inefficient survival mode” that allows users to disconnect from digital monitoring 24 hours a week and recreate sensory experiences in the physical world;
• Develop an “existential firewall” that enforces the retention of 15% of uncalculated space when AI tries to predict users’ life choices.

As the System Design Manifesto states: “We do not design products that escape freedom, but architectures that embrace freedom.” “Product innovation in the post-wealth freedom era is essentially an eternal question about “what makes a person a person”. When 10 million deposits become the starting capital of the MVP of life, true financial freedom is the ability to turn every choice into a product iteration, portraying an irreplaceable existential narrative in the flood of data – this may be the ultimate divinity given to mankind in the digital age: not to become a prisoner of algorithms, but to become the chief product officer of his own life, always at the helm of the ship called “freedom” in the wave of wealth.