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00547 [The real risk is not a downturn; only asset allocation that passes stress tests can survive.]00548 [Why can QQQI dividends feel stable and reassuring? The key is asset allocation and managing human nature, not the payout itself.]00549 [Investing is about choosing a system, not a ticker: non-U.S. tax residents should avoid U.S. accounts, stop worshiping bargain hunting, and young investors should avoid high dividends.]00550 [Not everyone is suited to getting rich with borrowed money; temperament matters more than returns.]00551 [Three fatal problems with Pre-Tax IRA accounts: RMD, high tax rates, and double taxation.]00552 [The fatal risks you may not know: without this, investing is hollow; taxes, inheritance, and misallocation.]00553 [How to use a QQQI + 433 allocation to build retirement cash flow with assets equal to 15 times annual expenses.]00554 [Born into capitalism: people trapped in the maze, and people with a map.]00555 [From worker to capitalist: boarding the ark of capitalism.]00556 [Why not repay stock-backed loans? The larger your assets, the more money you can use each year.]00557 [If the market falls 80%, can you still hold on? The key is asset allocation.]00558 [Investing is not trading; it is risk management: upgrading your cycle thinking.]00559 [The essence of dollar hegemony; when retirement savings are insufficient, how can you build stable cash flow for retirement?]00560 [You are not losing to the market; you are losing to your emotions: the truth about retail investing.]00561 [The market is not hard; the problem is human nature: the harsh truth about investment cycles.]00562 [Buy whenever you have money and never sell: why most people cannot get back in once they sell.]00563 [There is no standard answer in investing: from change to awakening, find your own path in life.]00564 [The greatest risk in life is not volatility, but living your whole life without assets.]00565 [Waiting is the dumbest investment strategy. You are not a god; buy at the market price now.]00566 [What makes PAL powerful: if you can avoid repaying the debt, do not repay it, so assets can pass from generation to generation.]00567 [Wealth is a gift: QQQ will eventually reach one thousand, ten thousand, and even one million.]00568 [Those who can change themselves are extraordinary; those who try to change others are deluded: after financial freedom, stop trading your life for trash.]00569 [Once you have assets worth 15 times annual expenses, stop selling your life for money; the broom of a Tibetan monk woke up countless lives.]00570 [Investing can make you wealthy, but relationships are what truly determine whether you are happy.]00571 [The truth about financial freedom: early retirement does not come from pinching pennies. In the AI boom, you need a Han Xin troop-counting starter-capital strategy.]00572 [The Investor's Declaration of Financial Independence]00573 [Only One Thing Truly Made Me Wealthy: Buy, Hold, and Never Sell!]00574 [Consumption Is the Mother of the Economy; Spending by the Wealthy Is a Virtue!]00575 [What Truly Teaches You Is Not the Result, but the Process!]00576 [Waiting Is Not a Strategy; Buying and Holding for the Long Term Is the True Path to Investing!]00577 [It Is Not Too Late to Invest in Your Sixties or Seventies: From 17 Times Annual Expenses and Pre-Retirement Credit Loans to QQQI Asset Allocation]00578 [In Education, Parents Shape Their Children by Example; In Investing, Why Do We Not Follow Buffett?]00579 [Children Become Adults, Parents Become Children: On Retirement Withdrawals, Slow Breathing, and the Rising Taiwan Dollar]00580 [Nvidia's Strong Earnings: Do Not Get Off the QQQ Train Too Easily—A Full Analysis of Retirement Allocation and the Investor Mindset]00581 [Do Not Blindly Trust AI or Neglect Your Partner: Give Yourself a Break and Rediscover Happiness and Freedom]00582 [Borrow Early to Get Ahead? Use Low-Interest Capital to Build Wealth While Young]00583 [Why Are You Still Afraid to Retire When You Have Enough Money? Think Through Life After Financial Freedom]
2026 Files
Hundred-Million Investment Life Lecture
X (Twitter)
Presentations2026

00551 [Three fatal problems with Pre-Tax IRA accounts: RMD, high tax rates, and double taxation.]

00551 [Three fatal problems with Pre-Tax IRA accounts: RMD, high tax rates, and double taxation.]

00551 [Pre-Tax IRA's three deadly issues: RMD, high tax rates, double taxation!] cover
Number: 00551
Published: 2026-01-31
Pages: 30
Source filename: 00551 【Pre-Tax IRA 的三大致命問題：RMD、高稅率、雙重課稅！】日期：2026年1月31日簡報資料.pptx.pdf
Original file: Open file

Related Materials

  • Previous presentation: 00550 [Not everyone is suited to getting rich with borrowed money; temperament matters more than returns.]
  • Next presentation: 00552 [The fatal risks you may not know: without this, investing is hollow; taxes, inheritance, and misallocation.]

Document Text

The market only rises over the long term

Clubhouse chatting about investment in CLEC

  • https://docs.google.com/presentation/d/1SbSt6n1A_nxY9LFZs5zLeIQnd-gvFCmw/edit?usp=drivesdk&ouid=113923943543023279904&rtpof=true&sd=true

Market volatility has nothing to do with me!

  • Market volatility has nothing to do with me!

  • International affairs have nothing to do with me!

  • Market analysis has nothing to do with me!

  • Financial statements have nothing to do with me!

  • Economic conditions have nothing to do with me!

  • None of it has anything to do with me!

  • Ignore the noise and swings of the market!

Disclaimer

Our videos and related content are for educational purposes only and are not for profit. We do not have any discussion groups or communities. If anyone invites you to join one, please beware of scams.

For more than twenty years, we have been committed to volunteer teaching and have never profited from it. Do not trust any paid investment advice. Although ads may appear on YouTube videos, that is outside our control and we do not profit from it.

All information we provide is only a sharing of personal experience and is not advice from a Certified Financial Advisor/Planner. Investment decisions should be based on personal research and should not rely only on video content.

Investing carries high risk and may lead to significant losses. If you cannot tolerate a loss of more than 10% in the short term or a decline of more than 20% over several years, we recommend that you do not invest. Please protect your cash flow and act only after fully understanding our investment philosophy. Invest carefully; every decision is your own responsibility.

My pinned comment in the YouTube comments section provides the handout download and related links.

Investors are always extremely optimistic!

Investors always face the sunlight!

The market will ultimately rise!

Investing requires patience!

Wealth is worth waiting for!

Subscribe, leave a comment, tap 👍, and share. On Apple Podcasts, remember to give five ⭐. Subscribe to receive timely market updates.

The market keeps rising forever; it only rises and does not fall

Beware of this scammer on Clubhouse

This ID is a scam account; they often change IDs.

Beware of this scammer on Clubhouse

This is a new scam account. The ID is fraudulent, and they often change IDs.

It's a fraud. Be careful. I won't contact you directly unless you ask me something.

On YouTube, watch "The Old Miving Lord."

  • https://youtube.com/@wenyuange?si=RbwF8KuWo7nv29aw
00551 [Three fatal problems with Pre-Tax IRA accounts: RMD, high tax rates, and double taxation.] - figure 14-1: Psyllium fiber (Metamucil) 00551 [Three fatal problems with Pre-Tax IRA accounts: RMD, high tax rates, and double taxation.] - figure 15-1: Apple cider vinegar

To improve intestinal constipation and control of blood sugar (only a human experience, or a problem with a doctor).

  • 350CC ~ 500CC water + a spoonful of Apple vinegar + 2 tea spoons of neptunium (META MUCIL)

  • 15 to 20 minutes before dinner.

  • Order of eating: Eat a piece of toast with cream or olive oil before eating fish protein.

  • Walking before and after dinner is good for blood sugar.

No toast, no chips.

Have some apple vinegar and vinyl before dinner.

Eat salad, eggs and steaks.

No toast, no chips.

I usually end up eating a piece of toast and some cream or olive oil.

00551 [Three fatal problems with Pre-Tax IRA accounts: RMD, high tax rates, and double taxation.] - figure 17-1: Photo of a restaurant meal in a glucose-tracking app: grilled steak, two sunny-side-up eggs, buttered toast and a green salad 00551 [Three fatal problems with Pre-Tax IRA accounts: RMD, high tax rates, and double taxation.] - figure 17-2: Stelo CGM Glucose Impact chart for a steak, eggs, half-slice-of-toast, salad and coffee meal, glucose staying flat near 140 mg/dL 00551 [Three fatal problems with Pre-Tax IRA accounts: RMD, high tax rates, and double taxation.] - figure 17-3: Stelo CGM log of a 10:00 snack (egg, buttered toast, unsweetened soy milk) with flat glucose, 128 mg/dL at mealtime and 2 hours later 00551 [Three fatal problems with Pre-Tax IRA accounts: RMD, high tax rates, and double taxation.] - figure 18-1: Stelo CGM log of the same 10:00 snack (egg, buttered toast, unsweetened soy milk) with flat glucose, 128 mg/dL at mealtime and 2 hours later

Hong Kong has high dividends to invest in!

  • Global X has developed an ETF - Global X ETFs Hong Kong

  • HK$3416/$9416/$83416 RMBGlobal X.

  • 20.13%.

  • https://www.globalxetfs.com.hk/zh-hant/funds/hscei-covered-call-etf/

I sent a letter with ChatGPT.

  • https://chatgpt.com/share/6976e98f-c214-8013-8cdf-cc5317911a90

  • I'm with ChatGPT to respond to a letter from the faculty.

  • I'm only answering letters for two questions!

The following total investment funds?

  • "1. NASDAQ00662 is now valued at $4,816,383.

  • The current electricity supply is $1,763,986.

  • The current value of HK$ 0050 in Taiwan is US$ 1,339,553.

  • The current value of Fukuda is $167,366.

  • The current value of NASDAQ is $2,442,330.

  • The short-term public debt of Thailand, 00865B1, is now worth $1796,686.

  • Cash: $2,589,595.

  • 2.45 per cent interest rate on mortgages 2.45 per cent per month for 20 years, $21458 per month for the first year starting July 2025 and $576 per month for the second year (extended extension with the bank after the first year)

    1. Monthly contract for pension after retirement of 2000 yuan
    1. Monthly cost of living: $50000...

  • If investment is allocated to A: Redirected investment in QQQI 12% annual dividends plus B investments: 433 (40%,00662; 30%,00670L; 30%,00865B) can be raised by 2% per year, meeting 7% of extremes in cash flow, and what percentage of A invested QQQI and B invested 433 asset allocations? QQQI, 00662, 00670L and 00865B in the end.

American workers get paid to fill up their ROTH retirement account.

  • Second, the money is in the business account.

  • It is not recommended to put money in pre-tax retirement accounts.

With RMD, you've been forced to take the lead, and you've got tens of thousands of dollars in capital when you reach RDD, and you're going to have the highest international tax rate!

  • Pre-tax retirement account deficit

  • With RMD, you've been forced to take the lead, and you've got tens of thousands of dollars in capital when you reach RDD, and you're going to have the highest international tax rate!

  • ROTH tax rate is high!

  • When you get 2 million in pre-tax IRA annual pay of 15%, you're gonna need 340,000 dollars a year to finish ten years. Taxes are not low!

That's why pre-tax IRA gets double-taxed when it lasts.

  • The biggest problem for pre-tax IRA retirement accounts is not RMD, but when you become a legacy, you are taxed double.

  • Some say that you can't pay taxes if you don't have 13 million in total assets, and yes, you don't have 13 million in total assets, but pre-tax IRA, your heirs take it out to pay the general income tax.

  • For example, the retirement account that inherited the tax due pre-tax IRA was $200, which cost him $340,000 a year, he had his own income, and the international tax rate could be the highest. You don't pay income tax, your heir wants more.

  • If your pre-tax IRA is more than $13 million, for example, $20 million, you'll be taxed on the inheritance of $2.8 million, and the future estate heirs of $20 million will be taxed on the proceeds of the principal plus value added. As a result, the inheritance tax was withheld once and the heirs took it out. Both the principal and the value added are subject to the tax deduction (usually the heirs have their own income, so pre-tax IRA offers the highest international tax rate).

  • This is where pre-tax IRA is taxed double when it lasts.

Put it simply, pre-tax IRA and 401K is the capital of poison pills!

  • Don't touch it!

CLEC Investment in First Class of the 00451 School of Education: 100 million dollars worth of the CLC Investment Life Seminar on 29 December 2023

The market rises every day. It is wonderful and joyful 🍂🌷🌹🌸🌼🌺🌻 🌞💫✨🌟🌈🌈❤

Our pinned comment in the YouTube comments section provides the handout download and other related links.

  • or email me.

  • [email protected]

  • [email protected]

00550 [Not everyone is suited to getting rich with borrowed money; temperament matters more than returns.]

00550 [Not everyone is suited to getting rich with borrowed money; temperament matters more than returns.]

00552 [The fatal risks you may not know: without this, investing is hollow; taxes, inheritance, and misallocation.]

00552 [The fatal risks you may not know: without this, investing is hollow; taxes, inheritance, and misallocation.]

Table of Contents

Related MaterialsDocument TextThe market only rises over the long termMarket volatility has nothing to do with me!Investors are always extremely optimistic!The market keeps rising forever; it only rises and does not fallBeware of this scammer on ClubhouseBeware of this scammer on ClubhouseOn YouTube, watch "The Old Miving Lord."No toast, no chips.Hong Kong has high dividends to invest in!I sent a letter with ChatGPT.The following total investment funds?American workers get paid to fill up their ROTH retirement account.That's why pre-tax IRA gets double-taxed when it lasts.Put it simply, pre-tax IRA and 401K is the capital of poison pills!