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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
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Presentations2026

00554 [Born into capitalism: people trapped in the maze, and people with a map.]

00554 [Born into capitalism: people trapped in the maze, and people with a map.]

00554 [Born in capitalism: the maze, the man who got the guide.] cover
Number: 00554
Published: 2026-02-28
Pages: 28
Source filename: 00554【生在資本主義:迷宮裡的人,與拿到導航的人】 日期:2026年2月28日簡報資料.pptx.pdf
Original file: Open file

Related Materials

  • Previous presentation: 00553 [How to use a QQQI + 433 allocation to build retirement cash flow with assets equal to 15 times annual expenses.]
  • Next presentation: 00555 [From worker to capitalist: boarding the ark of capitalism.]

Document Text

The market only rises over the long term

Clubhouse Easy Investing Chat, CLEC Investment and Wealth Management Channel.

  • 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.

  • It's not like we're all in this.

  • I'm not sure if I'm going to be able to do this.

  • This is not the case.

  • Enjoy capitalism!

Every time I hear it, I hear it, I hear it again, I'm happy.

  • When you hear it, you're electrocuted!

  • We can't ask each other!

  • We're simple, but not easy!

  • Every time I hear it, I hear it, I hear it again, I'm happy.

  • Hearing is important!

  • If you're a little hard of hearing, you can get as much hearing aids as you can, otherwise the hearing will go down fast. Because there are voices that you haven't heard for too long and your head forgets that the final hearing will shrink.

  • All hearing aids are now advanced in Apple's AirPod pro 2 or more, and can be listened to to to the primary hearing.

  • A professional hearing aid for the elderly went to Costco, and people couldn't hear what they were saying when they were at the party, and they laughed; they could talk to you now.

  • Hearing aids help many older people interact with society, which can reduce the risk of dementia. This is very important.

  • The sooner parents have hearing aids, the easier they get to get used to them, the later they get a lot of hearing damage, the more they forget what it means to listen. If they get hearing damage, even if they can hear it, they can't read it in their head.

  • The old man's hearing is so badly worn that he complains of too loud and loud, but only loud, but he can't read the sound, which means that the hearing has suffered too long. It may be irretrievable.

@joannemind - 15 hours ago

  • If Roth doesn't have more than 30 percent of the money, can we keep buying QLDs in the ordinary Brokerage account?

  • @clec168

  • No way!

  • Don't get rid of the money!

  • It's not bad without the fund!

Crec-ai-Gemini

  • Mr. @clec168, remember there was a episode about two people who bought and sold a house that ended up in regret, but the price increased. But finally, the story of a haystack and suddenly wanted to study it. I don't know what the code is.

  • Crec-ai-Gemini

  • https://gemini.google.com/gem/1SinRZQd1NiazojGIYI4raM-MwDkTGnuG?usp=sharing

  • https://docs.google.com/document/d/1ZttBM10sCwyLvIeajMiQ6bmHkUvfqeVgvT9QI89j8t0/edit?usp=drivesdk

Story, suddenly thinking about the rehearsing. I don't know what the code is.

  • Crec-ai-Gemini

  • https://gemini.google.com/gem/1SinRZQd1NiazojGIYI4raM-MwDkTGnuG?usp=sharing

  • CLEC-AI-tutor

  • Hello. The story you're talking about, "Buy a house and end up a hut," is actually a classic metaphor for teacher CLEC about ** "Opportunity Cost" and ** "Property Allocation."

  • According to the records in the database, the most complete discussion and questioning of this story appears in the Bluehouse Q&amp in the 00434 period; A Environment Festival (which may also be the basis for the early 00022) period.

  • Here is the core logic and source of the story:

    1. Origins and code names of stories
  • Core concept source: [00022] investment wealth management (3) allows you to retire early, and money never ends in the way wealth management!

  • In this episode, the teacher explains in detail the difference between the long-term returns of "buying a house in Cupertino" and "investing in U.S. stocks" (SPY/QQQ).

  • Story repeats and discusses: [00434] Clubhouse investment response

  • In this episode, a classmate specifically mentioned this story to the teacher: "I remember the teacher had a video about a three-million-dollar house in Cupertino that may become an old hut in the future." This shows that the story is a classic example in the teacher's discussion of "real estate vs. stocks."

2. The exact logic of the story of the "hushhouse"

  • This story is usually like this.

  • Situation: There are two people, A and B, with the same funds (e.g. $3 million).

  • A choice to buy a house: bought a house in Cupertino. After 30 years, the house may have risen to 20 million or 30 million. That sounds great, doesn't it?

  • B Choice investment: B chooses to rent and invests 3 million dollars in US equity (e.g. QQQ or SPY). According to the historical return rate (annual rate of 10 ~ 12%), after 30 years of double rolling, the fund could grow to 50 million or even hundreds of millions.

  • End of story (similar to a hut):

  • When B owns hundreds of millions of assets, the 20 million-dollar house in A's hands, in the face of B's huge wealth, is as insignificant as a “bushhouse” **.

  • Moreover, A houses are valuable, but they generate high holding costs (property taxes, maintenance fees) and no cash flows (unless sold, but no place to live).

  • Stock stock B generates a constant flow of cash (equity or partial change) and is much larger than A.

3. Mr. CLEC ' s pointer (heartology)

  • In this story, the core idea the teacher wanted to convey was:

    1. Real estate is a "consumable" rather than the most efficient "investment": a home of its own, with its value added (usually 3 to 5 per cent) over a long period of time, far to the growth of a good business (stocks 10 to 15 per cent).
    1. Do not be fooled by the illusion of "housing prices going up": although the house price has risen, the opportunity cost, if the money had been invested in stocks, is even greater.
    1. Real wealth is "equity": only first-class enterprises (e.g. Apple, Amazon, Nvidia) with a strong productive capacity can lead to an increase in the wealth of your index.
  • Summary:

  • The logic you're looking for about "Cupertino buys a house that turns into a weed house" is based mainly on the time of the 00022, while the specific use of the word "weed house" is in the question of the time.

  • Note: The above is a compilation of course logic from Mr. CLEC and does not constitute a personal investment proposal. The market is at risk and the decision-making has to be judged by itself.

00184 First investment lesson of 2021: an investment life lesson worth 100 million dollars. Part 2: what money is, dollar crises, bubble formation, quantitative easing, why the market is still cheap, and U.S. stock investing information.

  • Mr. @clec168, remember there was a episode about two people who bought and sold a house that ended up in regret, but the price increased. But finally, the story of a haystack and suddenly wanted to study it. I don't know what the code is. Do you have any information on this:

00184 First investment lesson of 2021: an investment life lesson worth 100 million dollars. Part 2: what money is, dollar crises, bubble formation, quantitative easing, why the market is still cheap, and U.S. stock investing information.

  • https://youtu.be/RecZAKAg_xQ」

  • https://docs.google.com/document/d/1dYl4dX4h0c_eWp9OGBzQ5yLGcRPBo80Di7ReaHvv2UQ/edit?usp=drivesdk

CLEC-tutor Gemini reply

  • That's right! It's the story of "The Two People Buying and Selling Houses," the higher the price, the last of which is a hut."

  • This is not the "Cupertino buy-a-house cost" story that was mentioned earlier, but rather the classic parable used by Mr. CLEC to explain how the bubble formed.

  • Here is a detailed recapitulation of the story in the video:

  • Location of the story

  • Cluster digit: [00184]

  • Title: First class in 2021: a $100 million investment life lecture — second half

  • The timeline: the story begins at [38:10] and ends around [41:30].

2. The Story of the House Foam.

  • In this paragraph, the teacher vividly describes how a bubble builds:

  • Initial state: A owns a 1 million-dollar hut.

  • First round of trading: B thinks the huts are good and buys them from A for $2 million. A takes 2 million cash away, B goes into a hut.

  • Second round of trading: After a while, B felt good in cash, or A felt it was impossible to live without a house (in a cave), so A bought the hut from B at $4 million (2 million from a bank loan, 2 million from itself).

  • Bubble expansion: 2 million -> 4 million -> 8 million -> 12 million.

  • Conclusion:

  • In the end, A sold to B at a high price of around 13 million, and then took the cash, "The clouds travel around the sea and live in Europe."

  • B stayed there and was still in his hand the "same hut" (which was actually only a million originals), but suffered from 13 million bank debts.

3. Mr. CLEC ' s pointer (heartology)

  • The core logic of this story is to reveal the hook between Price and Value:

    1. The asset has stayed the same while the price has risen: the house is still the same old house, the gold house has not changed, and there are no extra swimming pools or restaurants, yet the price has risen more than 10 times. This is "a bubble."
    1. Who is the winner?: In this game of drumming flowers, only ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** ** * ** ** ** ** * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * *
    1. Who is the loser? The last person who holds a high-priced asset but has a negative debt (B) is the victim of a bubble burst.
    1. Investment Revelations: The teacher uses this story to warn people not to pursue assets that have no real value added. If the price of a thing rises only because of each other (as in the story of A and B) and not because of its own productivity or value (as in rent, dividends, long harvests), then you might end up like B, holding a hut in debt.
  • So, the story that you remember of "the higher the price, the more the lawn house" is true!

  • Note: The above is a compilation of course logic from Mr. CLEC and does not constitute a personal investment proposal. The market is at risk and the decision-making has to be judged by itself.

Why would the capitalists set up this scheme to give us a chance to turn over?

  • On February 16, 2026, at 4:58 p.m.:

  • Hello, teacher.

  • In one of the short videos at the end of last year, it was said that with our current investment methods, it is possible to move from worker to capitalist. I fully agree, but I would like to ask you a question:

  • Why would the capitalists set up this scheme to give us a chance to turn over?

  • If we don't have this institutional capital, we'll be able to exploit the bottom line forever.

  • And if the whole of Taiwan were to use this method of investment (QQQ and the pledge, etc.) in the world or on a small scale, would the system be over? Of course I know it's impossible.

This is a fair but unprovoked capitalist society. It's hard work to provide information about labor.

  • The system put in place by capitalists is one in which they maintain capitalists. But as much as possible this system does not make the public understand: "What is a trap, and what is the right way?" Why is it that schools do not teach, only the families of the rich and the conscious and we teach you?

This is a fair but unprovoked capitalist society. It's hard work to provide information about labor.

  • Capitalist systems are mazes, capitalists have guidance, and people don't. I'm giving you guidance!

  • There's a system of exploitation and a path to enrichment in the system, depending on whether you can see which are the ecstasy and which are the ecstasy pills!

  • That's what's often asked. If everyone knows the direction of the system, then our system collapses.

  • You try to find 100 people to introduce the system, and you see how many people believe you, most people think you're cheating or you think you're crazy about money.

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]

00553 [How to use a QQQI + 433 allocation to build retirement cash flow with assets equal to 15 times annual expenses.]

00553 [How to use a QQQI + 433 allocation to build retirement cash flow with assets equal to 15 times annual expenses.]

00555 [From worker to capitalist: boarding the ark of capitalism.]

00555 [From worker to capitalist: boarding the ark of capitalism.]

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 ClubhouseEvery time I hear it, I hear it, I hear it again, I'm happy.@joannemind - 15 hours agoCrec-ai-Gemini2. The exact logic of the story of the "hushhouse"3. Mr. CLEC ' s pointer (heartology)CLEC-tutor Gemini reply2. The Story of the House Foam.3. Mr. CLEC ' s pointer (heartology)