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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

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.]

00569 [After 15 years of spending money, don't work for money!] cover
Number: 00569
Published: 2026-06-13
Pages: 36
Source filename: 00569 【 有15倍年開銷資產後,別再為錢賣命!;西藏高僧的一把掃帚,掃醒了無數人的人生!】日期:2026年6月13日簡報資料.pdf
Original file: Open file

Related Materials

  • Previous presentation: 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.]
  • Next presentation: 00570 [Investing can make you wealthy, but relationships are what truly determine whether you are happy.]

Document Text

The market only rises over the long term

Clubhouse, easy talk about investing in CLEC, YouTube, June 13, 2026.

  • 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.

We don't have to register. We'll try to download them properly.

  • 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

  • It is not necessary to register and try to download them properly.

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! 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.

First of all, of course, all our information will be made available, not for books.

  • It encourages you to promote our concept of investment in any form. For example, it's good to have books, and I think there's a lot of steps to do.

  • First of all, of course, all our information will be made available, not for books.

  • Do you feel like you can tell a bunch of people about our investment philosophy? Eight hours a day, and you're going to do it.

  • If AI alone did not produce any knowledge or insight, it would be really bad, and it would turn into a translator's argon.

  • If you can use our investment philosophy confidence to open a class for more than 16 hours each, you'll probably be able to read what you know. The other 50 percent is filled by AI, so the book has a soul.

And write a book that doesn't want to write all the concepts once.

  • After that, we'll divide into the first grade of another book, and then the asset allocation, and then the risk management, and then the family and life, and then the money.

  • Think about what I said, especially the first thing you know about our investment philosophy. Do you have any confidence in a lesson? It's enough to be a book in 16 classes for two hours each, and it's the right thing to do.

On YouTube, we read "Behind a book before bed," and today we read "The happiest person in the world."

  • https://youtu.be/38zLYqB3czw?is=o3la5hIJnyq_KNP0

  • Top 20 Neo Labs in Silicon Valley, research has led to a dramatic reduction in commercialization, a reduction in the engineering threshold, a reduction in capital, an advance bet, a plan for Prometheus, a plan for SSI and Ski...

  • https://youtu.be/NZFJj90aKpo?is=h42gd-gkiI0qbnZW

  • It's the biggest secret of the financial industry: it's true that white wolves can be empty!

  • https://youtube.com/post/UgkxAshCAgRVigprENOv2lfyE9eM-Q_STwCZ?si=jxUkapG97gD3YilW

Recently heard a story about Tibetan monks.

  • A group of Tibetan monks came to New York to pray for blessings. They spent a very long time placing grains of colored sand into an exquisite mandala. The whole creative process was patient, focused, and devout.

  • However, when the work was finally completed, a monk picked up the broom and started from the outside, slowly sweeping all the sand into the centre.

People were shocked and surprised to see it.

  • It is a reminder that everything is in vain, and that everything in the world is a temporary existence. As the Book of Morals says, "All things are born in the world, and all are born in nothing. No, it's the mother of all things.

  • In the end, the monks gathered the sand into the cans, brought it to the Hudson River in New York, slowly pouring it into the water and leaving it running.

  • In that case all the glory and beauty of the past shall return to dust and to nature. That's the way of life!

Thank you for your personal experience.

  • Yesterday, someone else told me that his mother had surgery. Because current medical technology is more advanced, the insurance company said the original policy did not include this advanced treatment, so it paid only a small amount of the medical expenses. In situations like this, if you ask a lawyer to sue, the insurer will usually pay; many of my friends have had this experience.

  • You said you had 10, 30 years of insurance and that after 30 years medical technology was not included in their insurance.

  • And now there's a lot of people protecting themselves from cancer, and now there's no technology in 10 or 20 years, and the new tech insurance company is not.

  • As a result, he went to the insurance company to cancel the contract, and the whole company was full of insurance claims, so if you had the chance to go to the insurance company and see what they're trying to do, you'd know how much pain and harm it would cause.

  • Once you have reached the point where retirement is possible, such as assets worth more than 15 times annual expenses, you have reached the basic retirement threshold. Do not sell your labor and health for money.

  • When you've reached the age of 15 or more times, your assets should not be too risky, because you're too risk-taking to get the money you can't spend, but you might lose everything you need.

  • So don't trade for money with a healthy body, or for money you don't need.

Wrong investment. Buy and sell immediately. Borrow what you can!

  • Keep the cash, when your investment drops 80%, you lose your job. Cash will help you through the sun!

Do you do your homework with the kids every day?

  • Do you know what the kids are doing today?

  • Are you sure the kid's done his homework every day? Did you ask him what he was teaching at school today? Make sure he learns today to go to sleep a little bit, and he'll be a genius and be the first in the class.

  • What you're teaching the kids is that outsourcing is fishing for meat and dogs is completely ineffective and has side effects.

  • Your kid's 40, you don't know what you're doing with the papers. You sit down with the kids and figure it out. Next time, the kids will have a hundred points.

Insurance is a con group. Everywhere.

  • Many of the older living money has been defrauded:

  • Many young people are on their way to being tricked all their lives!

"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)

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.]

00570 [Investing can make you wealthy, but relationships are what truly determine whether you are happy.]

00570 [Investing can make you wealthy, but relationships are what truly determine whether you are happy.]

Table of Contents

Related MaterialsDocument TextThe market only rises over the long termWe don't have to register. We'll try to download them properly.If you have money to buy it, you'll get it!You 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 ClubhouseAnd write a book that doesn't want to write all the concepts once.Recently heard a story about Tibetan monks.Thank you for your personal experience.Wrong investment. Buy and sell immediately. Borrow what you can!Do you do your homework with the kids every day?Insurance is a con group. Everywhere."In the first class of 2026, a billion-dollar investment seminar."The market is rising so beautiful and happy.