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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

00561 [The market is not hard; the problem is human nature: the harsh truth about investment cycles.]

00561 [The market is not hard; the problem is human nature: the harsh truth about investment cycles.]

00561 [It's not difficult, it's not human. It's the cruel truth of the anniversary.] cover
Number: 00561
Published: 2026-04-18
Pages: 26
Source filename: 00561【市場不難,就是不能有人性!投資週期的殘酷真相】日期:2026年4月18日簡報資料 .pptx.pdf
Original file: Open file

Related Materials

  • Previous presentation: 00560 [You are not losing to the market; you are losing to your emotions: the truth about retail investing.]
  • Next presentation: 00562 [Buy whenever you have money and never sell: why most people cannot get back in once they sell.]

Document Text

The market only rises over the long term

Clubhouse, easy talk about investing in CLEC, YouTube, April 18, 2026, video number 00561.

  • 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.

My cousin's doctor is Director of Radiooma, Guo Yeung. He's transferred to the Chinese Academy of Medicine, so he has to go to the new bamboo clinic.

  • The procedure is ~ two small pieces of tissue from the blood cell 162 CC and the lungs, and one month later, 10 CC immunocells, 1 CC a week.

  • There's no such thing as chemotherapy. French

Strawberry, raspberry (or raspberry), blackberry, ballet (commonly used in Taiwan) or pomegranate

  • strawberries, raspberries, blackberries Guava:

  • Strawberry, raspberry (or raspberry), blackberry, ballet (commonly used in Taiwan) or pomegranate

00561 [The market is not hard; the problem is human nature: the harsh truth about investment cycles.] - figure 13-1: Three clamshell packs of organic berries on a granite counter: Driscoll's strawberries, GreenBelle blackberries and Driscoll's raspberries 00561 [The market is not hard; the problem is human nature: the harsh truth about investment cycles.] - figure 14-1: Illustrated Happy Birthday greeting card showing a mother and young daughter celebrating with a lava cake, balloons and confetti 00561 [The market is not hard; the problem is human nature: the harsh truth about investment cycles.] - figure 14-2: Illustrated CLEC baby zhuazhou poster, a baby in a lion-dance hat crawling toward blue QQQ letters, an abacus and a bowl of beef noodles

It's not easy to sell a week or die!

  • The week is "Slide the market!"

  • Investment is simple; but it's not easy!

  • Most people are making less money this week.

Twenty years of investment, judgment, decision, notification, daily for me!

  • When facing the market, do not bring human nature into it. No emotions, no pressure, and no need to overcome human nature.

  • I know the judgment and the decision are not necessarily correct, but the delay in informing everyone is absolutely fatal!

  • Like clouds, like wind, like mountains, like fire!

So, it was only recommended to drop Beta by 10% ~ 20%, then turn!

  • This comes from experience: buy immediately, sell immediately when needed, and remove human nature from the process.

  • This is not an easy place to invest!

You know, when people drink, they eat hot. Some people eat sweets, others smell good, others stink.

  • Finding the right way to invest is more important than anything!

  • We're just opening a window where you can look at different world scenes and make your own world in the future.

Family is the most important thing! Only family can talk to you for the rest of their lives!

  • Eat with your family, don't slip your cell phone.

  • In the end, only the spouse will accompany you to the end.

  • Only the children will help with your final file processing and signing!

  • Everything else is fake!

That's how it was. Shouldn't the country pay for raising children?

  • The country has raised an army and bought a whole bunch of weapons for national security issues, and if there are no new children, no new children, no citizens, no soldiers.

  • So since it's all a matter of national security, the theoretical budget for maternity support and child-raising should be as much as the national budget for prevention. If we don't have children, we don't need protection.

  • The future owner should be paid the same salary as the military.

@dixon Xiaobei @3 hours ago

  • 1:34:34 The teacher here denies the non-working behaviour of children after graduation. I am myself a young man with more money from my parents. I've been working since graduation for three years now, and the money my parents have given me, and the way my teacher invests, makes me feel like I have the courage to say no to jobs I don't like, and I think I'm retiring now. My parents, too, think they can't stop working, so I haven't told them the fact that I'm out of work so far.

But I'm scared. I'm afraid I'm the kid my parents destroyed. I'm afraid I'm trashed.

You don't have to work, but you have to serve people. What's your interest? You always do things!

  • It's good to be married and have children.

  • Life can work without money, but life has one goal, and it can never be accomplished, if you set up a family to have children, it will always give you a purpose. "If there's no reason to have children!"

You're still not very clear about finance!

  • The rate of investment is investment.

  • Your $1 million investment, 10%, will be reported as $100,000!

  • You don't owe money, you only owe $700,000, you get $700,000!

  • You can keep a million dollars in cash, and when disaster comes, you have the cash, you have the right.

  • Seven hundred thousand dollars without cash, not low stock sales.

CLEC Investment and Wealth Management Education Academy 00451, 2024 Edition, The First Investment Lesson: Investment Life Lecture Worth 100 Million. December 29, 2023. CLEC Investment and Wealth Management Channel https://youtu.be/4FMjmyBpTzw

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]

00560 [You are not losing to the market; you are losing to your emotions: the truth about retail investing.]

00560 [You are not losing to the market; you are losing to your emotions: the truth about retail investing.]

00562 [Buy whenever you have money and never sell: why most people cannot get back in once they sell.]

00562 [Buy whenever you have money and never sell: why most people cannot get back in once they sell.]

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 ClubhouseIt's not easy to sell a week or die!So, it was only recommended to drop Beta by 10% ~ 20%, then turn!That's how it was. Shouldn't the country pay for raising children?@dixon Xiaobei @3 hours agoYou're still not very clear about finance!