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I lost my life gambling on stocks.
I've seen this phrase too many times.
This brother, from a rural background, with a computer degree, three years of work, owes 190,000 yuan.
The most heartbreaking thing isn't losing money.
It's his father crying in front of him, saying the hard-earned money from working on construction sites is gone in an instant.
I've managed communities and seen too many cases like this.
At first, it's just small losses, a fund losing 1,500.
Thinking of increasing the capital to make it back, asking parents for 50,000, borrowing 10,000, and getting wiped out.
After starting work, parents give 300,000 for a house, watching gold prices soar, and overnight everything is gone.
How can a gambling addict change?
He himself said, a dog can't change its habit of eating shit.
Why can't he quit?
It's not greed, it's resentment.
Losing 10 points, wanting to make it back and quitting.
Losing 50,000, wanting to turn it around in one shot.
Losing 300,000, wanting to gamble big.
Every time, he thinks it's the last time.
Every time, he puts in more.
What's the most deadly?
He knows he shouldn't touch it, but every time he has a reason.
Before the new year, he wanted to establish a relationship with his girlfriend, who is six years older, planning to get married, wanting to gamble once.
They broke up, and he dove into the stock market again, feeling devastated.
No glow on his birthday, losing another 150,000 after the New Year.
There are always reasons, but the results are always the same.
Let me say a few harsh truths.
First, you're not investing, you're gambling.
T+0, trading cryptocurrencies, gold, chasing rises and falling.
These words sound professional, but essentially, it's all about betting big or small.
Second, you've made 170,000 yuan before and didn't stop, so you're destined to lose it all back.
The only chance for a gambling addict to win is to walk away when winning.
But you won't walk away because you think you're a god of retreat, supporting your family with stocks.
Third, using house money or parents' savings to gamble is a big taboo.
This money has a purpose; it's not for gambling.
Losing isn't just your loss; it's the family's loss.
Fourth, gambling with debt is like suicide.
Borrow 50,000 to enter, lose 40,000, and your mindset explodes.
Under this pressure, your judgment is all wrong.
What should you do now?
Follow these five recovery tips, just do them.
First, close your account.
Not just reduce positions, but close the account.
Delete your trading app, shut down your account, leave no backup plan.
If you can't control yourself, don't overestimate your willpower.
Second, be honest.
Tell your parents the truth—how much you owe, how you got into debt.
Don't hide it; hiding will only make it worse.
They might scold you or be disappointed, but it's better than debt collectors showing up someday.
Third, do the math.
Owe 190,000 yuan, repay over 36 months, about 5,300 yuan a month.
You're in Shanghai, earning 17,000 yuan a month; you can do it with some savings.
Don't think about quick recovery; focus on paying monthly.
Pay a little each month, and the debt will decrease.
Fourth, work is your foundation.
You're a computer major, working in Shanghai, with weekends off.
This is your confidence; don't risk your job for gambling.
Don't slack off at work, no side jobs—focus on your main job.
Getting promoted and earning more is a hundred times more reliable than gambling.
Fifth, stay away from any leveraged products.
Stocks, funds, cryptocurrencies, futures, options.
Avoid all of them.
If you can't control your hands, don't touch them.
Admit you're not capable; there's no shame in that.
Many say, is this how I'll live my life?
No.
You're only 24, owing 190,000 yuan, not 1.9 million.
Pay it off in three years, and you'll be 27, starting fresh.
Getting married and buying a house a few years later isn't a big deal.
What you're most afraid of is trying to get rich quick and risking another three years.
To be honest,
Your father crying in front of you isn't because you lost money.
It's because he's afraid you'll be gone.
In your 34th-floor dorm, you thought about jumping.
But you can't leave your parents; they can't leave you either.
Money can be earned again, but if you're gone, you're truly gone.
There are no shortcuts on the road to recovery.
Pay a little each month, and the debt will lessen.
Save a little each month, and your confidence will grow.
Don't think about making a comeback, getting rich overnight, or proving yourself.
Living is more important than anything.
Take it slow, be steady, don't rush.
In three years, looking back, you'll thank yourself for not giving up.