CLEC Investment & Wealth Database00582 [Borrow Early to Get Ahead? Use Low-Interest Capital to Build Wealth While Young]
00582 [Borrow Early to Get Ahead? Use Low-Interest Capital to Build Wealth While Young]
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Document Text
The market has only risen for a long time
Clubhouse makes investing easy
CLEC (California Life Enrichment Club)
Investment and Wealth Management Channel
September 12, 2026
Platform X Video No. 00582
The money that can be invested is immediately bought at the market price,
Kill No Sell! Sleep when you're done.
What word don't you understand?
Don't ask me if it's okay to buy like this again? Do you want to batch?
Not to mention waiting to fall before buying, you're not a god!
Waiting is the dumbest strategy!
Any insurance will be immediately terminated and redeemed, invested by yourself, the assets will grow by four zeroes in a lifetime, you will get back 100,000,000, and the lifetime will change by 1 billion! You can grow into a billion billion yourself, so why put it in an insurance company?
Don't ask about insurance loans again! Don't borrow with a policy, it will make you poorer!
No insurance, no insurance, no insurance! Stay away from insurance, away from friends who work as insurance brokers.
With insurance, you can immediately cancel your contract with a nearby counter without having to entangle with your insurance broker!
Investment does not need to know a lot, do not ask the following:
Don't ask about individual stocks. And don't ask me about other subjects I haven't mentioned.
Don't ask when to buy? Don't ask when to sell?
Don't ask when will it fall? Don't ask when will it go up?
Don't ask, will it still fall? Don't ask where you're going to fall?
Don't ask, is it still going up? Don't ask where it's going to go?
Investing is not the more you know, the better. If you have money, you can buy it. If you don't sell it, it is the key point.
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It is divided into two folders, "Presentation Handouts" and "Teaching Materials". At present, the permission is open for "View" and "Download" to learners who know the link: no registration is required, and friends in mainland China can download it normally.
This is the short URL, the link is in the same location
https://u.pcloud.link/publink/show?code=Mx3italK
Split into two folders
Short link to "Presentation Handout" 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
CLEC Investment and Wealth Management Channel Important Information Links and Latest Announcements] Find more CLEC related platforms
https://u.pcloud.link/publink/show?code=XZCNakJZ2iaqkx14HYYGNa0VkLlix02LzAly
Clec Podcast Full Hold 2021-2025
YouTube videos are no longer available, but you can still listen to them on the following podcast channels from 2021-2025 and 00351. Updated searchable CLEC has a lot of channels uploaded by friends for everyone to listen to!
Kai has completed a professional post-production:
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Noise Removal
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Balance volume
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Trim excessive pauses
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The overall sound quality is clear and comfortable
This is a valuable CLEC investment and financial knowledge base, welcome everyone to search past shows and keep learning!
Market shock has nothing to do with me!
The international situation has nothing to do with me!
Market analysis has nothing to do with me!
The financial statements have nothing to do with me!
The economic situation has nothing to do with me!
It's none of my business!
Ignore the market ups and downs!
Disclaimer
Since July 2023, we have started the process of deregistering the “CLEC School of Education” as a company and a non-profit organization, and changed all the names to “CLEC Investment Finance Channel”, formerly known as “CLEC School of Investment Finance Education”. Still, we will use CLEC to remind everyone that unless it is James Chen himself, it is not related to us, please do not be deceived. Our videos and related content are for educational purposes only and are not for profit. We don't have any discussion groups or clubs, so please be wary of scams if someone invites you to join. We have been committed to compulsory teaching for nearly two decades and have never profited from it. Do not trust any fee-based investment advice. While there may be ads for YouTube videos, this is beyond our control and we will not monetize them. All information provided is for personal experience only and is not the advice of a Certified Financial Advisor/Planner. Investment decisions should be based on personal research and should not rely solely on video content. Investment risk is high and can result in significant losses. If you cannot afford a loss of more than 10% in the short term or a decline of more than 20% in a few years, it is recommended not to invest. Please be mindful of your own cash flow security and fully understand our investment philosophy before acting. Investment is prudent and all decisions are at your own risk.
Investors are always extremely optimistic!
Investors always welcome the sunshine!
The market will eventually rise!
Investing takes patience!
Wealth is worth waiting for!
Follow, comment,❤️, and share
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Market
Always on the rise
Just go up and don't go down
Beware of scams!!️⚠️
‼ ️⚠️Beware of someone using our name! In this post, we don't have a WhatsApp account, we don't invite you to join, we don't invest in individual stocks, and we don't remind you of trading entry and exit points! Beware of scams!!️⚠️
If you want to invest in US QQQI, you can invest in QQQI to get dividends and withdraw money globally through Firs-trade US securities account!
Yes. Unlike IBKR, Firstrade may allow residents of mainland China with international accounts to apply for a Firstrade Visa Debit Card and withdraw renminbi at ATMs in China.
However, it is not automatically obtained after opening an account, and the following conditions must be met:
Firstrade account net assets of at least $25,000
Request to upgrade to Cash Management Account
Submit an additional Visa Debit Card application for review by Firstrade/card issuing bank
China is still on Firstrade's list of countries that can open an international account
Firstrade officially states that the Cash Management Account offers a Visa Debit Card and supports global ATMs; the application threshold is $25,000.
Firstrade ATM Card Application Instructions https://help.firstrade.info/zh-TW/
Firstrade Cash Management Account https://www.firstrade.com/zh-TW
How to withdraw money in China
Once you have your physical card, you can try to withdraw at an ATM in China with the Visa/plus logo:
ATMs issue in RMB
Firstrade account was actually charged in USD
Visa converts RMB to USD at the then-current exchange rate
Chinese ATM operators may charge additional fees and have one-time and daily withdrawal caps
Not every Chinese ATM accepts overseas Visa cards, and some large banks such as Bank of China, Industrial and Commercial Bank of China, and China Construction Bank generally have higher ATM success rates
Most noteworthy
Having US$25,000 in the account does not guarantee that a card will be issued. Identity, address, and issuer reviews still apply, and you must confirm whether the physical card can be delivered to an address in China.
Avoid accidentally using margin borrowing. If the account lacks cash, some settings may draw on margin before you sell shares and incur interest. Keep enough US-dollar cash available.
This is suitable for small everyday withdrawals, not large transfers. Frequent or large renminbi withdrawals in China may trigger source-of-funds and anti-money-laundering reviews by Firstrade, Visa, or Chinese banks. Large transfers should still go by wire between bank accounts in your own name.
Wealth doesn't come from wages, let alone time and labor!
Wealth is the return on value that keeps an asset sleepless at work!
To put more assets to work for us, the author proposes the “Han Xin Dian Bing” strategy.
A young person who has worked for only a year should use a personal loan to invest and start building wealth.
You can try to use AI tools such as ChatGPT Gemini and Deepseek to ask about CLEC, investment questions and video searches!
Just specify the request clearly:
Search across platforms (YouTube, X, Bilibili, podcasts, clec168.com, clectw.com, etc.) for CLEC video number xxxxx (short post xxxxx) and provide the links.
You can ask: “Based on CLEC’s investment philosophy, how would you answer a question about xxxxx?”
AI may then be able to give you a more accurate answer.
Because of artificial intelligence, young people have better opportunities than all of us, and they have more opportunities to choose.
There is so much to do because of human creation!
Every generation has an opportunity, every generation, getting better and better, more and more opportunities, I'm still a little jealous of the next generation, this is humanity!
Our life is an experiential journey the universe has given us!
It is the meaning of life to nurture the next generation and make the journey of life experience last forever! [The meaning of life is in creating the life of the universe!]
Life is a form of life, which is the purpose of our human learning and growth together! [The purpose of life is to improve the life of mankind as a whole]
Our life is an expression of a form of life, happiness is the purpose of life, and the first principle of happiness is this song:
There is a small river in front of my house and a hillside behind.
There are many wildflowers on the hillside, and wildflowers are like fire.
In the river, there are white geese, geese playing with green waves.
The goose who teased Green Wave was happy and sang a clear song.
Back to nature, our childhood environment and mood, no desire, no need, this is happiness! Find yourself! The self is a born me, a natural me, not a worldly me!
Borrowing other people's money to spend, borrowing other people's money to invest, is "cool"!
Only when you go out will you arrive; only when you really borrow money to invest and borrow money from the bank to spend, can you really understand what money is!
Taiwan's interest rate is still very cheap, even if you borrow it to buy 00865B, it will be "cool"; when Taiwan raises interest rates and funds austerity, you will know what it means — borrow first to win!
Markets are rising every day
Very nice, very happy.
🍂🌷🌹🌸🌼🌺🌻
🌞💫✨🌟🌈🌈❤️
CLEC Investment and Wealth Management Channel posted “The Billion-Dollar Investment Lecture” on X
00694 Investment in 2026 First lesson "Investment seminar worth billions of dollars" Chapter 1 May 5, 2026
https://x.com/CLEC168/status/2071329516484796535/video/1?s=66
00695 2026 Investment First Lesson "Investment Seminar worth Billion Dollars" Chapter 2 May 6, 2026
https://x.com/CLEC168/status/2071585253316313318/video/1?s=66
00696 Investment in 2026 First lecture "Investment seminar worth billions of dollars" Chapter 3 May 7, 2026
https://x.com/CLEC168/status/2071585566735700473/video/1?s=66
00581 [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]
00583 [Why Are You Still Afraid to Retire When You Have Enough Money? Think Through Life After Financial Freedom]
00583 [Why Are You Still Afraid to Retire When You Have Enough Money? Think Through Life After Financial Freedom]