00579 [Children Become Adults, Parents Become Children: On Retirement Withdrawals, Slow Breathing, and the Rising Taiwan Dollar]

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New Page: Global Nasdaq and S&P ETF Map

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• https://clec168.com/global-etf

The Market Only Rises Over the Long Run

Clubhouse casual talk on investing

CLEC (California Life Enrichment Club) Investment and Wealth Management Channel

August 22, 2026

X platform video number 00579

Buy Immediately at Market Price with Money You Can Invest, and Never Sell

Buy immediately at market price with money you can invest, and never sell. Buy and then go to sleep.

Which word do you not understand?

Stop asking whether buying this way is fine or whether you should buy in batches.

And never say you will wait for a decline before buying. You are not a god.

Waiting is the dumbest strategy.

Surrender and Redeem Any Insurance Policy Immediately and Invest It Yourself

• Surrender and redeem any insurance policy immediately and invest the money yourself. Your assets will grow by four zeros over a lifetime. Take back one hundred thousand and it can become one billion over a lifetime. You can grow it into hundreds of millions or billions yourself, so why leave it to rot at an insurance company?

• Stop asking about policy loans. Do not borrow against a policy. Doing so only makes the poor poorer.

• No insurance, no insurance, no insurance. Stay away from insurance and stay away from friends who work as insurance agents.

• If you have a policy, go to a nearby branch immediately and surrender it. There is no need to argue with your insurance agent.

Investing Does Not Require Knowing a Lot, So Do Not Ask the Following

• Do not ask about individual stocks, and do not ask about other tickers I have not mentioned.

• Do not ask when to buy. Do not ask when to sell.

• Do not ask when the market will fall. Do not ask when it will rise.

• Do not ask whether it will fall further. Do not ask how far it will fall.

• Do not ask whether it will rise further. Do not ask how far it will rise.

• Investing is not about knowing more and more. Buy whenever you have money and never sell. That is the key point.

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Presentation Handouts and Teaching Materials

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CLEC Investment and Wealth Management on Baidu Netdisk

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Market Turbulence Has Nothing to Do with Me

• Market turbulence 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 economic situation has nothing to do with me.

• Nothing at all has anything to do with me.

• Ignore the noise of the market and stay at peace.

Investors Are Always Extremely Optimistic

Investors are always extremely optimistic.

Investors always turn toward the sunlight.

The market will rise in the end.

Investing requires patience.

Wealth is worth waiting for.

Follow, Comment, and Share

• Follow, comment, hit the heart, and share.

• Remember to give five stars on Apple Podcasts.

• Subscribe so you can receive real-time market updates.

The Market Always Keeps Rising

The market always keeps rising. It only goes up and never goes down.

Children Will Definitely Be Better and More Capable Than We Are

• Children will definitely be better and more capable than we are.

• As your children grow up, you will find that there are more and more things you need to learn from them.

• They know more new things, hold more new ideas, and see a world we have never seen.

• What children can teach us grows, and what they can tell us grows, while what we can teach them grows ever smaller.

Just Like Us and Our Own Parents Today

• It is just like us and our own parents today. When we were small, our parents taught us what we could and could not do. After we grew up, it often became us telling our parents, "You cannot do that. That is not allowed." Every day we remind our parents, "Do not eat that. Do not do that. Be careful crossing the road."

• It turns out that once children grow up, we who are the parents slowly become the ones being cared for. Children become adults, and parents become children.

• Our parents once held our hands as we grew up, and one day we will also watch with satisfaction as our children walk a path more brilliant than ours.

We Have Mentioned That You Can Calculate Your Withdrawal Rate from Peak Assets

• We have mentioned that you can calculate your withdrawal rate from your peak assets.

• A market decline is actually safer, so your withdrawal amount stays the same while the withdrawal rate goes up.

• For example, suppose you retire this year and the market decline has cut your assets to 25 million Taiwan dollars. If the same asset allocation traces back to a market peak of 30 million Taiwan dollars, then you can calculate the withdrawal rate on 30 million. At a 3% withdrawal rate, 30 million × 3% = 900,000 per year, rather than calculating on 25 million.

Learning Is Always a Joy

• Learning is always a joy.

• Real learning begins only at the boundary of what you know.

• Only when knowledge can be applied flexibly do you truly understand it.

I Have Also Found That Mood Matters Greatly for Health

• I have also found that mood matters greatly for health.

• But every time I answer email, reply to comments, or go on Clubhouse, my blood sugar spikes. That is the stress hormone. Ordinary people do not feel stressed at work because they are holding their breath.

• The best way to release stress is to breathe slowly and exhale slowly. Inhale slowly for 5.5 seconds; if you finish inhaling before 5.5 seconds, hold your breath briefly and then exhale slowly for 5.5 seconds.

• If you can inhale slowly and exhale slowly while working, your mood will improve, your stress will drop, your stress hormones will drop, and the toxins in your body will decrease.

Do Not Fear Higher Pledged-Loan Interest, Keep Borrowing

• Do not fear higher interest on pledged loans. Keep borrowing. The earlier you borrow, the more you win.

• Taiwan's central bank needs to raise rates. A stronger Taiwan dollar benefits everyone.

• U.S. Treasury interest is already at 3.5% to 5%, so you are borrowing more cheaply than the U.S. government. The government pays higher interest than you do, so why worry that your borrowing rate is too high?

• If the Taiwan dollar strengthens to fifteen per U.S. dollar, overseas tour packages cost half as much, imported cars cost half as much, and chips sold to U.S. companies rise 100% in price. That would be exactly right.

The Market Rises Every Day, Which Is Wonderful and Joyful

The market rises every day, which is wonderful and joyful.

The Billion-Dollar Investment Lecture

• Published by the CLEC Investment and Wealth Management Channel on X: "The Billion-Dollar Investment Lecture."

• 00694, the first investment lesson of 2026, "The Billion-Dollar Investment Lecture" chapter one, May 5, 2026: https://x.com/CLEC168/status/2071329516484796535/video/1?s=66

• 00695, the first investment lesson of 2026, "The Billion-Dollar Investment Lecture" chapter two, May 6, 2026: https://x.com/CLEC168/status/2071585253316313318/video/1?s=66

• 00696, the first investment lesson of 2026, "The Billion-Dollar Investment Lecture" chapter three, May 7, 2026: https://x.com/CLEC168/status/2071585566735700473/video/1?s=66