If you are considering quitting your job to devote yourself entirely to decentralized finance (DeFi), stop right there! Not because the goal is bad—financial freedom is possible—but because the wrong approach can put your personal finances at risk. In this post, I explain the real process for scaling up in DeFi and generating sustainable returns, based on your current situation.

A few days ago, someone contacted me on Instagram: they wanted to learn about DeFi, but had zero knowledge, zero capital, and, to top it all off, planned to go into debt to invest. Their goal: 10% monthly returns to cover urgent expenses.

My advice was clear: "If you don't have money or skills in crypto, DeFi is not your immediate solution. First, focus on generating income: improve your job, learn a digital skill, or enhance your profession. Investing is not 'making money'; it's making money work for you. And for that, you need initial capital."

• Situation: You have less than $2,000, no recurring income, and a job you dislike.

• Solution: Forget about DeFi for now. Focus on:

  • Learn a profitable skill (e.g., digital marketing, programming).

  • Look for a better job or freelance.

  • Don't go into debt to invest. 10% per month on $1,000 is $100... not enough to live on.

• Objective: Grow your wealth, not withdraw profits.

• Strategy:

  • Build a diversified portfolio (Bitcoin, Ethereum, solid projects).

  • Use DeFi to accumulate more units of your assets (e.g., staking, farming).

  • Think about the next bull run (3-5 years): $10,000 well invested could be $50,000+.

• Goal: Generate passive income with low risk.

• How:

  • Advanced DeFi strategies (stable yield, delta neutral).

  • Returns of 3-5% per month on $100,000 = $3,000-$5,000/month.

  • Key: Less risk, more stability.

DeFi is not a "get rich quick scheme." Even Warren Buffett built his fortune over decades. If you have $10,000 today:

• In four years, you could increase them fivefold (if you train and apply yourself well).

• In 10 years, that capital could give you real financial freedom.

• If you're starting from scratch: Join [free community] or consume basic content (don't invest yet!).

• If you have capital: Analyze your risk profile and build a portfolio.

• If you already exceed $50k: Explore strategies for recurring income.

Final reflection:
DeFi is a powerful tool, but it should not replace your primary source of income until you have a solid financial cushion. As the saying goes: "First learn, then earn, then invest."