CLEC Investment & WealthCLEC Investment & Wealth Database
CLEC Investment & WealthCLEC Investment & Wealth Database
Homepage
Important Materials
Presentations
2023
2023-2024 Files
2024
2025
2025 Files
2026
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

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.]

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.]

00568 [The one who can change himself is a god, and the one who wants to change others is a psycho: when property is free, no more life for garbage!] cover
Number: 00568
Published: 2026-06-06
Pages: 30
Source filename: 00568【能改變自己的人是神,想改變他人的是神經病:當資產自由後,別再用生命換垃圾!】日期:2026年6月6日簡報資料.pdf
Original file: Open file

Related Materials

  • Previous presentation: 00567 [Wealth is a gift: QQQ will eventually reach one thousand, ten thousand, and even one million.]
  • Next presentation: 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.]

Document Text

The market only rises over the long term

Clubhouse, easy talk about investing in CLEC, YouTube, June 6, 2026, video number 00568.

  • Every Saturday, the New Man's Sunflower Book, or the CLEC Financial Bible, or our $1 billion investment seminar and other files, can link iCloud files to you and download them in China.

All the data on our channel is made public for free, and I'll give it to you if I want it, never charge us for it. I want to download links and share them with other friends for free.

No registration is required. Family and friends around the world can try downloading it.

  • In two folders, "Summary Description" and "Teaching Data", access is now limited to "view" and "download" to those who know the connection:

  • https://u.pcloud.link/publink/show?code=kZMnsU5Z40xmWvQkcy5XmJsTEzSqs4VUmuPX

  • This is a short URL. Connect to the same location.

  • http://u.pc.cd/Mx3italK

  • No registration is required. Family and friends around the world can try downloading it.

The money you can invest, the money you can buy, the money you can buy, the money you can buy.

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! Don't use the policy to borrow it.

  • Any insurance policy will immediately be redeemed, its own investments will be invested, its assets will grow by four zeros in a lifetime, and you'll get $100,000 back, and it'll be a billion in a lifetime. You can grow into a billion dollars. Why do you have to rot in insurance?

  • Don't ask about the insurance loan! Don't use the policy to borrow it.

  • No insurance, no insurance, no insurance. Stay away from insurance and be friends with insurance.

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

You don't need to know much about investments.

  • Don't ask for a share. Don't ask me about the other markers.

  • Don't ask when. Don't ask when.

  • Don't ask when it'll fall. Don't ask when it's going up.

  • Don't ask if it'll fall. Don't ask where it will fall.

  • Don't ask if it'll go up. Don't ask where it'll go.

  • It's important that the more you know, the more you buy, the more you sell.

How much cash you need to keep, how much risk you need to think about.

  • Risks: If the house falls, you have to go out and rent the house, or you have to keep the mortgage, the stock market falls to near zero, your monthly debt goes back to zero, you have to lose your job again, and you can't borrow money from the stock mortgage.

  • When these risks happen, they're still at work, and the cash is for emergency preparedness, how long will you have to find your next job? You need cash before you find another job. How much do you need before you find another job? That's where the cash is!

  • And when the risks happen, if you're retired, you have 15 years' worth of living from a high market, which is the cash you should keep.

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

  • You can leave a message on YouTube or e-mail me!

  • Now just use this [email protected], not another mailbox)

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!

  • The economy has 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 of the information we have provided is for personal experience sharing and is not recommended by Certified Financial Advisor/Planner. Investment decisions should be based on personal research and should not rely solely on film 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!

Subscriptions, messages, presses, forwards and shares Apple Podcast. Shizuku!

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

It's a fraud against a new account. It's a fraud.

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

"Those who can change themselves are extraordinary; those who try to change others are deluded!"

  • The only thing we can control is our own behavior and thinking.

Trying to control others, even with good intentions, often increases pain on both sides and damages the relationship.

  • Separation of tasks: in psychology, such as Adlerian psychology, this is called "separation of tasks." Other people's behavior is their task; how you respond is your task.

  • The price of failure: When you expect others to change and others fail to do what you want, anger, disappointment and incompetence are the main causes of "dreaming" or "crazy."

If you're suffering because you want to change someone, maybe you can refer to the following advice.

  • Focusing on self-empowerment: instead of trying to transform others, you should use your energy to promote yourself.

  • To accept the reality that there are things that cannot be imposed or people's nature, and to learn to adjust your mind is to be relieved.

Knowing us, investing money to avoid the pits, adding at least three billion dollars to each man's assets!

  • Buffett's been since he was 11 years old, so pit avoidance and time are the world's richest and simple conditions, and everyone can, as long as you're seven years old or 20 years older than Buffett!

99.9999% of the information outside is either wrong or trash!

  • It's easy to invest money! Simple is the solution!

  • If you have money, you buy it, you sell it, you buy it, you sell it, you sell it, you keep it, you keep it, you grow, you retire, you spend!

Our investment is a long-standing business model for investing in humans.

  • Believe in humans, it's a business model of the universe!

  • You can't find another planet with Earth worth investing in business!

  • We invest in the logic that 10,000 years of proven business patterns (human progress, long-term innovation) is enough!

Investment is the most important thing: long in the market, not fast!

When there is a shortage of capital, the increase in capital is the main dynamic!

  • When retirement conditions are met, at least 15 times more than 50 times more!

  • It's more than 50 times the cost of a new year.

  • When assets reach 25 times annual expenses, stop trading your life for trash.

  • When assets reach 25 times the cost, retirement can be used to make life more meaningful for family and life, and capital will continue to grow to make our lives better!

Life is more important than money. Is it worth losing life for months?

  • It's worth spending more than half a year with your family!

  • Time spent with family is finite; each day together is one day less. Money will keep growing, and the excess becomes trash.

"In the first class of 2026, a billion-dollar investment seminar."

  • 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 is rising so beautiful and happy.

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

  • You can leave a message on YouTube or e-mail me!

  • Now just use this [email protected], not another mailbox)

00567 [Wealth is a gift: QQQ will eventually reach one thousand, ten thousand, and even one million.]

00567 [Wealth is a gift: QQQ will eventually reach one thousand, ten thousand, and even one million.]

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.]

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.]

Table of Contents

Related MaterialsDocument TextThe market only rises over the long termYou don't need to know much about investments.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 Clubhouse99.9999% of the information outside is either wrong or trash!Investment is the most important thing: long in the market, not fast!"In the first class of 2026, a billion-dollar investment seminar."The market is rising so beautiful and happy.