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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

00564 [The greatest risk in life is not volatility, but living your whole life without assets.]

00564 [The greatest risk in life is not volatility, but living your whole life without assets.]

00564 [The biggest risk to life is not a wave, but a lifetime without assets.] cover
Number: 00564
Published: 2026-05-09
Pages: 28
Source filename: 00564【人生最大的風險不是波動,而是一輩子都沒有資產】日期:2026年5月9日簡報資料.pptx.pdf
Original file: Open file

Related Materials

  • Previous presentation: 00563 [There is no standard answer in investing: from change to awakening, find your own path in life.]
  • Next presentation: 00565 [Waiting is the dumbest investment strategy. You are not a god; buy at the market price now.]

Document Text

The market only rises over the long term

Clubhouse, easy talk about investing in CLEC, YouTube, May 9, 2026.

  • 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.

  • https://youtube.com/playlist?list=PLiskER8xug1d5adCiettxa-qaras_mq4k&si=uIM4OFZPv4Kg0WpY

CLEC Edition-v3.3-Mixage

  • https://drive.google.com/file/d/1F8dx37FeDnGNUbHgVlcXoZ9OsAbv8u75/view?usp=drivesdk

  • https://drive.google.com/file/d/1gxjGEqZQI4K9qv9AqEj3AfBMAXpD3Fno/view?usp=drivesdk

A billion-dollar investment seminar graphics v1

  • https://drive.google.com/file/d/1y2djG4lgDORjUzBUWTubNmbh9wREmWXC/view?usp=drivesdk

  • Investment lectures worth billions of dollars graphics v1.pdf,

  • https://drive.google.com/file/d/19HsG8WSFqJrfrUsMOR0Kpai_k5vy5sjY/view?usp=drivesdk

  • Teacher, you've shared the Apple Phone subscription to your program, and now I find that Androids can subscribe to your program. You can download the podcast go Andre and then click Feed URL to add the teacher's link like: URL

Taiwan! Retired, and in the future, if you can't borrow money, you can only sell cash (short debt and currency market funds) to live!

  • You can borrow the money for next year first. You can win first!

  • In the future, the cost of living for the next year will be borrowed, and if the cost of living for the next year is in question by the end of the year, at least a one-year period will be available to other financial institutions.

  • If there's a problem with the mortgage now, let's talk to other financial institutions and borrow next year's living expenses!

All work will be long and tired!

  • Nervous, stressful, personal. I'll have some trouble, but I'll try to relax!

  • It's stressful, it doesn't help solve things, it doesn't matter, it doesn't matter.

  • Eat, eat, drink coffee, drink coffee, sleep, sleep, work.

  • That's it. It's like, "It doesn't matter. It's okay."

The human mind is not for the present, but for the wild, far from short-term risks!

  • National education workers who don't teach money dealers become enslaved nations and people!

  • It's easy to cheat because people don't have enough education!

You can borrow it if you can afford it with free cash.

  • What is a free cash flow is the remaining part of the cash that is left after salary income is cut.

All the stables in the world are ordinary French, the dollar is the strongest, the dollar is the strongest.

  • So it doesn't change the monetary nature of a stable currency.

When people complain to us, they're just telling us the truth, not asking for our advice!

  • We just listen and be with one mind, and never give advice or advice!

  • And don't say, "I'll teach you," "I'll tell you," "You don't understand," "You're wrong."

What is long-term debt?

  • What is short-term debt? Short-term debt is a month, three months, six months. You owe your principal!

  • If you lend money to the United States for 30 years, the return must compensate you for 30 years of inflation and the risk of possible U.S. default. Thirty years is a long time; lending money for that long carries high risk and high volatility.

  • This is why 30 years of interest on mortgages is higher than 15 or 20 years of mortgages, long-term bonds are extremely expensive in terms of risk pay premiums, market inflation and risk are just a little more volatile, and your 30-year debt may fall by more than 20%.

  • With three months of short-term debt, without the risk of inflation violating the US government, we know that the US government will not be in breach of the treaty in these three months, with minimal price spillovers, little change in inflation in just three months, and a guarantee of principal.

  • So, short-term bonds are equivalent to cash, and the principal is not lost.

If you're retired, it's good to get cash from high dividends!

  • We're recommending cash flow markers to the Commission.

  • If you are young, your biggest risk is low returns. Because your investment returns are low, you may accumulate only tens of millions while others end up with billions; that is the biggest risk.

  • If you want to reduce volatility, hold cash.

  • This film starts in 59 minutes and 40 seconds an hour. There's the answer you want!

  • https://youtu.be/1-XZhoheNvs?t=7150&si=xy9OrsOwb1JEQ5NP

America is my property. Wall Street helps me handle it!

  • No fees, no management, no taxes.

  • Assets keep rising, and the money will never run out.

  • https://youtube.com/playlist?list=PLiskER8xug1d5adCiettxa-qaras_mq4k&si=uIM4OFZPv4Kg0WpY

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]

00563 [There is no standard answer in investing: from change to awakening, find your own path in life.]

00563 [There is no standard answer in investing: from change to awakening, find your own path in life.]

00565 [Waiting is the dumbest investment strategy. You are not a god; buy at the market price now.]

00565 [Waiting is the dumbest investment strategy. You are not a god; buy at the market price now.]

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 ClubhouseCLEC Edition-v3.3-MixageA billion-dollar investment seminar graphics v1All work will be long and tired!You can borrow it if you can afford it with free cash.What is long-term debt?If you're retired, it's good to get cash from high dividends!America is my property. Wall Street helps me handle it!