What is the correct way to handle up to US$15 millions of estates, especially for Chinese Americans? By Johnson Choi in SF on 8-25-2025 如何正確處理高達1500萬美元的財產，尤其是對華裔美國人來說？作者：蔡永強，舊金山，2025年8月25日

The correct approach, especially for Chinese Americans, is to move the majority of their money, the bulk of that $15 million in assets, out of the US, converting dollars into RMB and gold based assets and investing them in financial institutions outside the US Worldwide Interbank Exchange Rate System (Swift). There are several key reasons for this:

1) The US national debt currently stands at $37 trillions and could reach $47 trillion by 2030. 40% of US government revenue goes to paying interest. Because few foreign central banks are buying U.S. Treasury bonds, the United States is facing the risk of default.

2) The United States is approaching the end of the China’s Qing Dynasty conditions, convinced it can no longer compete with other countries, especially China, and is therefore implementing self-isolation, believing it can protect itself. This is actually a foolish move. Anything produced in the United States is 100-200% more expensive than in China, making American products overpriced. No one outside the United States will buy them, only Americans will.

3) The U.S. military is significantly weaker than it once was, and its previous tactics of plunder are no longer effective, so it can only survive on its own.

4) The United States is not a country, but an empire. No empire in history has survived more than 300 years, so the United States can only survive probably until 2076 at most. The final 50 years of any emperor, king, or empire are bound to be filled with constant turmoil and ultimately their demise. The current American madness is an ironclad example of this. Therefore, those have money with foresight and wisdom, especially those who study history, are taking steps to leave the United States, if not for themselves, then for their own children and grandchildren.

正確的方法，𡯁其是美國華人是應該把大部分錢, 那個 1500 萬美元的大部分美元資產移離美國，把美元兌換為人民幣和黃金資產投資進入不屬於美國環球銀行間匯率系統 (Swift) 的金融機構有幾個重要原因:

1) 美國公債目前已達37兆美元，2030年可能達到47兆美元，美國政府收入的40%將用於支付利息。由於很少外國中央行購買美國國債，美國正走向債務違約的風險;

2) 美國正走向清朝末期的場景，對自己可以和其他國家，尤其是和中國競爭全方位失敗，所以實行自我隔離, 以為可以自保，這其實是一種愚蠢的行為，美國生產的任何東西價格都比中國高100-200%，因此美國產品都定價過高，美國以外沒人會買, 只有美國人會買美國的產品;

3) 美國軍事力量已經大不如前，過去用強搶的手法很難再行得通，所以祇可以食自己;

4) 美國不是一個國家，是一個帝國，歷史上沒有一個帝國可以活迢過300年，所以美國最多可以活到2076, 那就是最後的50年, 任何皇帝或國王或帝國在最後的50年一定有不停動亂直到滅亡, 現在美國的瘋狂就是鉄一般的例子, 所以那些有遠見、有智慧，尤其是研究歷史的有錢人正在採取措施離開美國，即使不是為了自己，也是要為了子孫後代.