从10年的角度看，买的时候比最低价贵30%其实没多少。

From a 10-year perspective, paying 30% above the absolute lowest price really doesn't matter much.

共同基金行业系统性地损害了个人投资者的利益。

The mutual fund industry systematically exploits individual investors.

今天的一笔费用看起来不多，但经过30年的复利，它会吃掉你三分之一以上的最终财富。

A fee may look small today, but compounded over 30 years, it will eat up over a third of your final wealth.

在投资界，耐心不仅是一种美德，更是一种最被低估的竞争优势——当所有人都在追逐热点时，能静下来的人已经赢了一半。

In investing, patience is not just a virtue; it's the most underrated competitive advantage. When everyone is chasing hot trends, the one who can sit still has already won half the battle.