The US dollar is currently facing severe challenges. Many of my clients and friends have already begun gradually moving their dollar-denominated assets away from the United States, including cash, stocks, and funds. Even those whose assets are primarily concentrated in real estate have chosen to partially liquidate their properties to increase their liquidity. 當前美元正面臨嚴峻挑戰，我身邊已有不少客戶與朋友開始將美元資產逐步撤離美國，包括現金、股票與基金等。即便資產主要集中於房地產，也有人選擇部分變現，轉為流動資金。

I would like to share a few videos for you to understand the situation better. 我想分享一些視頻，以便大家更好地了解情況.

It is worth noting that many high-net-worth individuals, as early as last year, have already shifted part of their dollar-based assets into gold and renminbi through professional advisors. This is no coincidence—central banks of multiple countries, including China, are adopting the same strategy. The decision-makers of these institutions are far from incompetent, and their actions are worth serious consideration.

If you are also considering shifting assets into gold, remember: storage location is crucial. Avoid storing gold in the United States, the United Kingdom, Europe, or Switzerland. Instead, prioritize locations such as Shanghai, Hong Kong, Singapore, or the UAE. After all, no one wants to see their life’s savings wiped out overnight.

While life should certainly be enjoyed to the fullest, neglecting financial planning could lead to crises beyond imagination—whether it was the 1973 Hong Kong stock market crash, the 1986 U.S. Savings and Loan Crisis, the 1997 Asian Financial Crisis, or the 2008 Global Financial Crisis (U.S. Subprime Mortgage Crisis), with the exception of 1973, the root causes of all these crises were closely tied to the United States. The next storm will likely once again be triggered by the U.S., and its severity may well exceed the sum of all past crises.

I have personally experienced all of these crises and, at the time, warned my clients, friends, and family. Unfortunately, many failed to wake up in time and ultimately paid a heavy price.

值得注意的是，許多高淨值人士早在去年便透過專業顧問，將部分美元資產轉為黃金與人民幣。這並非偶然——包括中國在內的多國央行，也正採取相同策略。這些機構的決策者絕非庸碌之輩，其動向值得深思。

若您也考慮將資產轉向黃金，切記：儲存地點至關重要。應避免將黃金存放在美國、英國、歐洲或瑞士，可優先選擇上海、香港、新加坡或阿聯酋等地。畢竟，誰都不願一生的積蓄，在一夜之間化為烏有。

生活固然可以盡情享受，但若忽視財務規劃，所面臨的危機可能遠超想像——無論是1973年香港股災、1986年美國儲貸危機、1997年亞洲金融風暴，還是2008年全球金融海嘯，除了1973年之外，其餘危機的源頭皆與美國密切相關。而下一場風暴，很可能再度由美國引發，且嚴重程度恐將超越以往危機的總和。

這些危機，我皆親身經歷，當年也曾提醒身邊的客戶、朋友與親人。可惜許多人未能及時清醒，最終付出慘痛代價。