CLEC Investment & Wealth Database00570 [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.]
Related Materials
- Previous 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.]
- Next presentation: 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.]
Document Text
The market only rises over the long term
Clubhouse, easy talk about investing in CLEC, YouTube, 20 June 2026, video number 00570.
00570 will make you rich, but what really makes you unhappy is a relationship!
- 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.
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In two folders, "Summary Description" and "Teaching Data", access is now limited to "view" and "download" to those who know the connection:
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https://u.pcloud.link/publink/show?code=kZMnsU5Z40xmWvQkcy5XmJsTEzSqs4VUmuPX
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This is a short URL. Connect to the same location.
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It is not necessary to register and try to download them properly.
Your free cash flow should survive the toughest trials in the market.
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It's not about how much cash it is, it's about the worst cash flow in 15 years!
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Your free cash flow should survive the toughest trials in the market.
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We are trying to think about the following extreme situations:
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The house had to be rented as a result of the natural disaster; the mortgage was still to be paid; the stock market had collapsed to near zero; the loan supply could not be stopped; the job was suddenly lost; and, unfortunately, it suffered from a major disease; and even the stock guarantee level had been shrunk to the point where it could not be re-loaned.
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If these risks happen at the same time, do you have enough cash to sustain your life?
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If you're still working:
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The main use of cash is for emergency reserves. You need to assess how long it takes on average to get your next job after you lose your job. Until you find a new job, the cost of living is the amount of cash you should reserve to guarantee enough to survive the most difficult cash flows.
If you're retired, it's completely different.
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After retirement, with no employment income, you must calculate from the market high and ensure that the cash flow generated by your asset allocation can support at least 15 years of living expenses.
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Please note that what we're talking about here is not about preparing for 15 years of cash, but about having a cash flow that can sustain 15 years of life.
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In the case of 80/20 asset allocation, 2% annually, or 70/30 asset allocation, 3% annually, the cash portion of the account may be equivalent to about 10 years of living expenses.
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However, the high-equity distribution of cash flows comes mainly from ongoing dividends, so that the concept of "15-year cash flow" comes from dividends and is completely different from the concept of "15-year-old cash spot".
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Rather than owning the amount of cash, a truly risk-resistant allocation of capital still has constant cash flows at the most difficult times.
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.
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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?
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Don't ask about the insurance loan! Don't use the policy to borrow it.
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No insurance, no insurance, no insurance. Stay away from insurance and be friends with insurance.
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If you've got insurance, you'll have to call the nearby counter immediately.
You don't need to know much about investments.
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Don't ask for a share. Don't ask me about the other markers.
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Don't ask when. Don't ask when.
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Don't ask when it'll fall. Don't ask when it's going up.
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Don't ask if it'll fall. Don't ask where it will fall.
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Don't ask if it'll go up. Don't ask where it'll go.
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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.
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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.
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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!
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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.
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You can leave a message on YouTube or e-mail me!
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Now just use this [email protected], not another mailbox)
Market volatility has nothing to do with me!
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Market volatility has nothing to do with me!
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International affairs have nothing to do with me!
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Market analysis has nothing to do with me!
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Financial statements have nothing to do with me!
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The economy has nothing to do with me!
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None of it has anything to do with me!
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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.
Best, Kai
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My kids love bread. So for them, I buy this sprouted bread from the freezers inmost grocery stores. I tested it, it's very friendly to my glucose reactions; evenbetter than typical sourdoughs. You may want to give it a try too.
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Best, Kai
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Sprouted Grain Bread | Ezekiel Bread | Food For Life
![00570 [Investing can make you wealthy, but relationships are what truly determine whether you are happy.] - figure 20-3: CGM app breakfast log of a hard-boiled egg, buttered bread and a glass of milk at 07:27, with a glucose-impact chart staying in range near 140 mg/dL](/images/database/presentations/2026/presentation-00570-2026-06-20-00570-2026-6-20/figure-20-03.webp)
Watch "50+ New Family Communication" parents don't listen. What do we do? Chen Nae-chul: When their brains change, three communication is more effective on YouTube."
Science confirms that by changing your breath, you can reshape your mental and physical state.
Why aren't American schools ranked? So it's the parents who want to change.
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Meng Yuchen - psychologist with 20 years of experience.
The key to happiness is relationships.
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"Quality relations" are the most important factor in determining whether life is happy or not.
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People around us (e.g. couples, family, friends) have the most direct influence on us, and bad relationships can cause pain, while good relationships can provide love and nurturing.
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Ninety-five percent of the population is often in a difficult situation:
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The “bad relationship” is not self-evident: many people are afraid to resist even in a toxic, repressed relationship because of social expectations or a sense of reason (e.g. filial, protective family).
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The mind is self-enacted: after a relationship has been broken, it often chooses to "close the door" to protect itself, to fall into a state of self-smuggling and to miss the opportunity to be nourished.
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How to promote happiness in life:
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See and take care of yourself: common sense should be used first, self-preservation before taking care of others, and learning to recognize toxic relationships and the environment.]
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In a relationship of pain, there should be a way to move away from and to operate reliable, warm human interactions, even if only two or three good relationships can increase happiness.
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Use professional resources well: if the wounds are too deep or you do not know how to improve, seek help from a professional psychologist so you do not waste precious time in long-term pain and loneliness.
The NDQ+IBKR stock is pledged and cash is available without the stock.
Propaganda the CLEC, the philosophy of investing in poverty, and tell them that "rich is a gift!"; and wish for fate!
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If you're in the public business (UBER; public employee), you may not be very good for people who don't understand, or who have a heart, such as insurance finance, and some financial advisors and stock teachers.
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So I'm grateful for the CLEC investment philosophy, but if you're a public business, For example, you're the Uber driver, bus driver, bus driver, high-powered waiter, public servant, and so on, all in public property, and when you promote our investment channel, you're exposed to the possibility of being prosecuted, and I suggest you avoid this kind of trouble. Or you'll lose your job after the trial. It's not what we want to see.
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If it's a private café, and it's a private enterprise, you can refuse to entertain customers.
The concept is different. Cash can be a form of free cash flow, but creating free cash flow can take different forms, such as collateral borrowing, selling gold, currency market funds, short-term and part-time
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The allocation of beta bias is not the point, as you can see from our past video that beta is normal.
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The top risk of asset allocation is so you have to examine the extreme risk that if you have a house, the house goes down, you're going to rent a house, if you lose your job after the house goes down, you have a mortgage to pay, you need a cash flow to last two to three years, and you have a cash flow to live until you find your next job.
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To be a Uber driver in Taiwan, it may take a year or two to get your lost income, so I think you could keep a cash asset set up for two years of living.
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The concept is different. Cash can be a form of free cash flow, but creating free cash flow can take different forms, such as collateral borrowing, selling gold, currency market funds, short-term and part-time
The risk of credit is lower, the risk of mortgages is higher.
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Risk management comes first in investing, and borrowing money is the same: borrow first where the risk is lower; the interest rate is not the main consideration.
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We usually recommend credit loans, and if there's a house that you don't want to sell, it's worth billions. In the end, we're thinking of borrowing money from the mortgage to pay off the loan, which is more of a cash flu epidemic.
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The primary consideration in borrowing is the risk profile.
"In the first class of 2026, a billion-dollar investment seminar."
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)
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.]
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.]
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.]