CLEC Investment & Wealth Database00581 [Do Not Blindly Trust AI or Neglect Your Partner: Give Yourself a Break and Rediscover Happiness and Freedom]
00581 [Do Not Blindly Trust AI or Neglect Your Partner: Give Yourself a Break and Rediscover Happiness and Freedom]
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- Previous presentation: 00580 [Nvidia's Strong Earnings: Do Not Get Off the QQQ Train Too Easily—A Full Analysis of Retirement Allocation and the Investor Mindset]
Document Text
The Market Only Rises Over the Long Run
Clubhouse casual talk on investing
CLEC (California Life Enrichment Club) Investment and Wealth Management Channel
September 5, 2026
X platform video number 00581
Buy Immediately at Market Price with Money You Can Invest
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
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 billions or tens of 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 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 or other investments I have not mentioned.
Do not ask when to buy or when to sell.
Do not ask when the market will fall or when it will rise.
Do not ask whether it will fall further or how far it will fall.
Do not ask whether it will rise further or 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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Two Folders: Presentation Handouts and Teaching Materials
The files are split into two folders, "Presentation Handouts" and "Teaching Materials." Viewing and downloading are currently open to students who have the link. No registration is required, and friends in mainland China can download normally.
This short link points to the same location: http://u.pc.cd/Mx3italK
https://u.pcloud.link/publink/show?code=Mx3italK
The two folders:
"Presentation Handouts" short link: https://pse.is/9cal8k
Long link: https://u.pcloud.link/publink/show?code=kZHbTr5ZoHoc9XwCqkXalpr17rjG2keBGvBX
"Teaching Materials" short link: https://pse.is/9cal8x
Long link: https://u.pcloud.link/publink/show?code=kZQbTr5ZE2GWjjajXERLzYfWVMTIPQccDmRy
Key CLEC Investment and Wealth Management Channel Links and Announcements
Find more CLEC platforms:
https://u.pcloud.link/publink/show?code=XZCNakJZ2iaqkx14HYYGNa0VkLlix02LzAly
The Complete CLEC Podcast Archive for 2021–2025 Remains Available
Although the YouTube videos have been taken down, the 2021–2025 programs and 00351 [Awakening: Rediscovering Yourself] can still be heard on the following podcast channel. For newer episodes, search for CLEC. Many friends upload them to their channels to make listening convenient for everyone!
Kai has completed professional post-production:
- Removed noise
- Balanced the volume
- Trimmed overly long pauses
- Made the overall sound clear and comfortable
This is a valuable CLEC investment and wealth management knowledge archive. Everyone is welcome to search past programs and keep learning!
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!
Economic conditions have nothing to do with me!
None of it has anything to do with me!
Ignore the market's noise and fluctuations!
Disclaimer
Since July 2023, we have begun the process of deregistering the CLEC Educational Institute company and nonprofit organization, and changed all names from "CLEC Investment and Financial Education Institute" to "CLEC Investment and Wealth Management Channel." We will still use CLEC. Please remember that anyone other than James Chen himself is not associated with us. Do not be deceived.
Our videos and related content are for educational purposes only and are not for profit. We have no discussion groups or communities. If someone invites you to join one, beware of fraud.
For more than twenty years, we have devoted ourselves to volunteer teaching and have never profited from it. Do not trust paid investment advice. Although advertisements may appear on YouTube videos, this is beyond our control and we receive no profit from them.
All information we provide is only a sharing of personal experience, not advice from a Certified Financial Advisor/Planner. Investment decisions should be based on your own research and should not rely solely on video content.
Investing carries high risk and may lead to substantial losses. If you cannot tolerate a short-term loss of more than 10% or a decline of more than 20% over several years, we suggest that you do not invest. Keep your cash flow safe and fully understand our investment philosophy before acting. Invest cautiously and take responsibility for all your decisions.
Investors Are Always Extremely Optimistic
Investors always face the sunshine!
The market will eventually rise!
Investing requires patience!
Wealth is worth waiting for!
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Remember to give five stars on Apple Podcast.
Subscribe to receive timely market updates.
The Market
Keeps rising forever.
Only rises, never falls.
Beware of Fraud!
‼️⚠️ Beware of people impersonating us in the comments here! We have no WhatsApp account, will not invite you into a group, do not offer individual-stock investments, and will not alert you to trading entry or exit points! Beware of fraud! ‼️⚠️
Clectw.com Features
https://u.pcloud.link/publink/show?code=XZmeipJZuS0FIakB4rXBVQm1c9pHVk30S2o7
Do Not Bring AI Answers to Me as Questions
Do not bring answers from AI to me as questions, just as you should not ask me about what a bank financial adviser or an investment adviser says! And do not bring online bloggers' advice and opinions to me as questions! I think, therefore I am. You exist through thinking for yourself!
Think for yourself to find the answer. Once you have thought it through, whatever answer you reach, you do not need to ask me.
When someone who does not understand the subject cannot ask a proper question and asks AI, AI gives a stupid answer! If you bring that stupid answer to me, do I need to respond?
Keep Your Money Where You Are
Many financial details in mainland China are beyond what an outsider like me can understand!
Sending offshore funds back to mainland China may not be as easy as you imagine!
All risks involving funds held outside mainland China must be your first personal consideration!
Ask Before Touching Someone Else's Belongings
Before touching someone else's belongings, ask them first, even if they belong to your spouse, children, or parents. This is the most basic respect for another person!
Using something without asking, such as finishing the half-drunk beverage a family member put in the refrigerator, disrespects your spouse.
You are very self-centered. If I were your spouse, I would get angry too. Even if you only took an old bag to use, perhaps after being told not to use that bag, you have disrespected your spouse. Of course they will fight you over it.
Do you think it is only about drinking the rest of a family member's beverage? Do you think they simply cannot part with that old bag? They do not feel respected in this home. They hate you, yes, "hate," because you do not respect them. Their reaction is aggressive, but if you only look at the surface and not the psychology, you will never understand!
Ask Before Using Anything That Belongs to Someone Else
Ask before using anything that belongs to someone else! Respect!
Take what matters to your spouse even more seriously. Whether you think it matters is irrelevant! If it matters to them, respect its importance to them.
Remember: "Your spouse, or anyone else, is always right!" Always say "Right," "Okay," and "Yes" to your spouse and family. With outsiders, you can walk away!
If you cannot show respect, you do not deserve to be a spouse. Without empathy, you are not a good spouse!
Laozi, Tao Te Ching, Chapter Eight
"The highest goodness is like water. Water benefits all things without competing and dwells in places others dislike, so it is close to the Way. In dwelling, choose good ground. In the heart, value depth. In relationships, kindness. In words, trustworthiness. In governing, good order. In work, ability. In action, good timing. Only by not competing does one remain without blame."
We should learn from water. To be gentle and benefit all things is wisdom!
A wise person's gentleness is a quality of confidence and strength.
Learn to Give Yourself a Break
You cancel a hotel reservation. Will the refund arrive on time? You start worrying.
Give yourself a break: "At worst, I will not get the refund!" I will let that money go! After all, I would have spent it if I had not canceled. Of course the system will refund it on time. You are just worrying in advance about nothing!
A typhoon prevents your trip. Your flight is canceled and you have to stay an extra day. Are you worried or annoyed?
If your flight is canceled, it is a perfect chance to relax at an airport hotel! Remember to solve it with money and always give yourself a break!
If the trip cannot go ahead, drink coffee at home or go somewhere without a typhoon. If you cannot go to Taichung, go to Kaohsiung instead.
You Paid One Hundred Too Much for Something Worth One Thousand
You paid NT$20,000 too much for a business-class ticket, nearly US$700.
You paid US$50 or US$100 more per night for a hotel.
Give yourself a break. Money is only a number! Once you stop caring so much about money, you may be able to let go of many other things too. Your relationships will improve, and you will be happy and free!
Wealth is a birthright. Happiness is a human right! Without money, relationships and inconveniences keep you from living freely.
Think of the Worst Case and Then Give Yourself a Break
Worried about high blood sugar, high blood pressure, or high cholesterol?
Eat well, sleep well, and take the medicine you need. Leave it to the doctor and give yourself a break!
Worried about glaucoma, cataracts, or macular degeneration?
Trust your doctor and follow their instructions. Even if I ultimately go blind, that is fate. I can still be happy when blind. That is life. Do not worry. Give yourself a break!
Everyone eventually dies. We weaken with age and die from illness. That is natural too. It is all fate. Give yourself a break!
The Most Basic Elements of Happiness
Enthusiasm, love, family, and work that is not done for money.
Find a balance between effort and going with your nature, your true self!
You have the right to choose to refuse, to say no, and to disregard wealth, possessions, status, and existence as your true self.
Focus on yourself and good relationships!
Happiness means giving up more and wanting, demanding, and expecting less! You can say no, give up everything, and be strong by having no desires. Not wanting, having nothing, is happiness. Wanting, desiring, and possessing are suffering!
The Market Rises Every Day
It is beautiful and joyful.
🍂🌷🌹🌸🌼🌺🌻
🌞💫✨🌟🌈🌈❤️
The Billion-Dollar Investment Lecture Published on X by CLEC Investment and Wealth Management Channel
00694 First Investment Class of 2026, The Billion-Dollar Investment Lecture, Chapter One, May 5, 2026
https://x.com/CLEC168/status/2071329516484796535/video/1?s=66
00695 First Investment Class of 2026, The Billion-Dollar Investment Lecture, Chapter Two, May 6, 2026
https://x.com/CLEC168/status/2071585253316313318/video/1?s=66
00696 First Investment Class of 2026, The Billion-Dollar Investment Lecture, Chapter Three, May 7, 2026
https://x.com/CLEC168/status/2071585566735700473/video/1?s=66
00580 [Nvidia's Strong Earnings: Do Not Get Off the QQQ Train Too Easily—A Full Analysis of Retirement Allocation and the Investor Mindset]
00580 [Nvidia's Strong Earnings: Do Not Get Off the QQQ Train Too Easily—A Full Analysis of Retirement Allocation and the Investor Mindset]
00582 [Borrow Early to Get Ahead? Use Low-Interest Capital to Build Wealth While Young]
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