May I ask, how many people truly understand the Snowball mechanism? I have spent a lot of time studying it, and only then did I realize one truth — those who understand this logic won't constantly worry about being "late."

This is similar to Bitcoin. In the long run, it will definitely go up, but what truly determines whether you're satisfied is not whether it will rise, but whether the increase can reach your personal target. In other words, expected return rate is the core of the game. Once you understand this, your anxiety will significantly decrease.