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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

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.]

00565 [Waiting is the dumbest investment strategy! You're not a god.] cover
Number: 00565
Published: 2026-05-16
Pages: 35
Source filename: 00565【等待是最笨的投資策略！你不是神，立即市價買進】日期：2026年5月16日 簡報資料.pptx.pdf
Original file: Open file

Related Materials

  • Previous presentation: 00564 [The greatest risk in life is not volatility, but living your whole life without assets.]
  • Next presentation: 00566 [What makes PAL powerful: if you can avoid repaying the debt, do not repay it, so assets can pass from generation to generation.]

Document Text

The market only rises over the long term

Clubhouse, easy talk about investing in CLEC, YouTube, May 16, 2026.

Write me e-mail.

  • In China, if you need files to contact me with emails, other files like the New Man's Sunflower Book or the CLEC Financial Bible or our $1 billion investment lecture and other data, I can link iCloud files to you for download in China. All the data on our channel is made public for free, and I'll give it to you if I want it, and never charge us for it. You can also come and find me to download links and share them with other friends for free.

  • Write me e-mail.

  • [email protected]

  • [email protected]

If there are other files you need, instead of sharing the "Teaching Data Files", let me know, I can put them in the folder!

  • The following files are in iCloud and can be opened and downloaded if you have an apple icloud account (email should be available). In the future, I will put all documents in these two folders so that every country in the world can download them free of charge!

  • Teaching data files

  • https://www.icloud.com/iclouddrive/004wqFA70fguEgubgOH6s0KoA

  • Synchronising folder

  • https://www.icloud.com/iclouddrive/0c8Px6-zplYRiR9H3V87uwaFw

If you have money to buy it, you'll get it!

Can't you read any more of this?

Not to mention, you're not God!

Waiting is the dumbest strategy!

Don't ask about the insurance loan!

  • You'll get your life savings, you'll get your own investment, you'll grow four zeros in a lifetime, you'll get 100 grand, you'll get a billion in a lifetime. You'll grow into a billion dollars, and you'll rot in an insurance company.

  • Don't ask about the insurance loan!

  • No insurance, no insurance, no insurance!

  • If you've got insurance, you'll have to call the nearby counter immediately.

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.

If you have money to buy it, you'll get it!

Can't you read any more of this?

Not to mention, you're not God!

Waiting is the dumbest strategy!

Don't ask about the insurance loan!

  • You'll get your life savings, you'll get your own investment, you'll grow four zeros in a lifetime, you'll get 100 grand, you'll get a billion in a lifetime. You'll grow into a billion dollars, and you'll rot in an insurance company.

  • Don't ask about the insurance loan!

  • No insurance, no insurance, no insurance!

  • If you've got insurance, you'll have to call the nearby counter immediately.

Write me e-mail.

  • Thank you very much, and I think we can make it easier for you to find us and get me free data, and you don't have to pay for it.

  • Please share the following information, which I will attach in a future briefing, so that you can see my contact information email and write email to me to get download links directly, and I will immediately forward the download link to him with the iCloud, as long as there is an apple iCloud account (which can also be registered in China) so people in China can download files. Any kind of file can come directly to me for no fee.

  • Write me e-mail.

  • The following files are in iCloud and can be opened and downloaded if you have an apple icloud account (email should be available). In the future, I will put all documents in these two folders so that every country in the world can download them free of charge!

  • Synchronising folder

  • https://www.icloud.com/iclouddrive/0c8Px6-zplYRiR9H3V87uwaFw

Health checkups and health care that parents and themselves normally recommend

  • I think it's cute that I don't want to ask the teacher about my daughter today, that my two kids don't know how to invest, and that they're still cute, and that I've heard from time to time when I've been listening to the teacher's class, and now they're yelling, "Buy or sell," "We're all capitalists," "The teacher says you're going to play with him, you're going to play with him, and it's the most important thing to be with him," and that he's at the CLEC logo at the school's drawings, and the last time I saw a picture of the CLEC treasure shared by the teacher, and he's saying that he's also CLCE baby.
00565 [Waiting is the dumbest investment strategy. You are not a god; buy at the market price now.] - figure 22-2: Child's handmade paper craft: a pink pop-up cake with a teddy bear under a rainbow and a CLEC candle on top 00565 [Waiting is the dumbest investment strategy. You are not a god; buy at the market price now.] - figure 22-3: Child's hand-drawn Mother's Day card with a large red paper heart, flowers, and the words CLEC and Mom I love you 00565 [Waiting is the dumbest investment strategy. You are not a god; buy at the market price now.] - figure 22-4: Child's painted cardboard craft of a colorful bus carrying animal passengers, with CLEC on the side 00565 [Waiting is the dumbest investment strategy. You are not a god; buy at the market price now.] - figure 22-5: Child's drawing of rows of colorful hand-drawn circles, each labeled CLEC in a different color

It's the CLEC baby.

  • I want to talk to the teacher.

  • It's your birthday!

  • It's the CLEC baby.

  • We were afraid to have a second child.

  • Listen to the teacher.

  • Let's not think too much while we play with the equipment from the youth fair!

  • The personal stock stock of 433 has reached nine digits this year.

  • Waiting time to reach 10 digits

  • And continue to learn the teacher's vision of life, to be happy and rich, to help human life, and to bring life to life!

00565 [Waiting is the dumbest investment strategy. You are not a god; buy at the market price now.] - figure 24-1: Watercolor illustration of a mother in pink pajamas cradling a swaddled newborn, with handwritten notes thanking the baby and welcoming it to the world

# On the line

  • (A0023) How can you safely borrow and invest in affordable funds?

  • https://cfnavi.org/a0023/

00565 [Waiting is the dumbest investment strategy. You are not a god; buy at the market price now.] - figure 25-2: Illustrated infographic poster titled Safe Investment Defense Line, showing a glowing shield against a storm of borrowing risks and a golden path with four safeguards for steady wealth

  • Nothing exists!

  • And today I saw a film where a YouTube person shared his experience of intestinal cancer, and when you were judged to have cancer, all your past worries disappeared, and all your plans stopped.

  • So imagine yourself if it were today's last day and your troubles still exist? Is there no need to worry about life before one dies?

The right thing to do is to be careful.

  • It's reckless.

  • What's right? What's wrong?

The company is eternal, and our lives are limited. Don't use our limited lives to serve an infinityless organism!

  • Will all future companies be A.I. and droids, and humans will be eliminated by companies and jobs.

  • We humans are the owners of these companies, the shareholders, the capitalists, and not the workers who will end up being abandoned.

As long as you can pay with a steady cash flow, a monthly loan is a safe loan!

  • The source of stable cash flows can be derived from your salary (pension) or from the income generated by the income generated as rent and stable high dividends of the rental of the house, in a positive way from a secure stock mortgage rate!

  • The stable cash flow of rent and high dividends requires a discount, because the house may not be available for a few months, and the amount of high dividends will change upwards and downwards, so an eight-sum discount is necessary, as well as the need to keep sufficient cash in order.

  • It has little to do with whether or not they have retired, and some of them have pensions, rental income and a stable cash flow with high dividends.

You can't be a bodyguard! There's no reason for you to be a bodyguard! Unless you can just give him this money into the ditch!

  • You can borrow money or you can be a security guard, you can afford it!

  • What better way to give him money, if you can afford it, you don't need to borrow it, and you're not a bodyguard. I told him I didn't have to pay!

  • If you can't transfer the money he needs directly to his account, you can't pay it back. His bodyguard is even less able to lend money to anyone!

  • It's the simplest measure of whether you want to be a bodyguard or whether you want to borrow the money. If you don't want the money at all, you can just give it to him, and you don't have to pay it. I don't want the money back in order to pay.

  • Capitalism's social environment and discourse are terrible, especially in how they create resentment and hostility toward the rich. They make many poor people think poverty is normal and that the rich must have done something bad, so that 99.99999% of workers not only oppose wealth and the wealthy, but also rationalize the sanctity of labor.

  • 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.

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.]

00566 [What makes PAL powerful: if you can avoid repaying the debt, do not repay it, so assets can pass from generation to generation.]

00566 [What makes PAL powerful: if you can avoid repaying the debt, do not repay it, so assets can pass from generation to generation.]

Table of Contents

Related MaterialsDocument TextThe market only rises over the long termWrite me e-mail.If you have money to buy it, you'll get it!Don't ask about the insurance loan!Market 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 ClubhouseIf you have money to buy it, you'll get it!Don't ask about the insurance loan!Write me e-mail.It's the CLEC baby.# On the lineThe right thing to do is to be careful.