00627
Replace less than 1% of insurance policies with long-term cash flow growth
Short
Replace less than 1% of insurance policies with long-term cash flow growth
A listener reviews premiums, payouts, surrender values, and coverage across three paid-up policies; the speaker compares capital efficiency and argues for index investing after surrender.
5:11
00627
Keys to Retirement Planning: Understanding Assets, Liabilities and Net Worth
Short
Keys to Retirement Planning: Understanding Assets, Liabilities and Net Worth
A couple reports NT$76 million in total assets, including NT$5 million of securities-backed debt, and asks whether retirement planning should use total assets or net worth.
4:22
00627
Securities-Backed Lending Does Not Always Require Leveraged Funds
Short
Securities-Backed Lending Does Not Always Require Leveraged Funds
The video revisits why leveraged funds were paired with securities-backed borrowing, then explains how holding over 30% cash can make leverage optional and support rebalancing.
4:43
00626
Retirement strategies for housing retirement and stable cash flow
Short
Retirement strategies for housing retirement and stable cash flow
A 57-year-old single mother reports NT$1.6 million to invest, a NT$1 million personal loan, and a home with NT$750,000 owed, asking whether to sell before retirement.
3:16
00626
3 5% rule: use 0056+00662+00865B to spell a safe retirement
Short
3 5% rule: use 0056+00662+00865B to spell a safe retirement
A single 50-year-old with NT$30 million invested and a NT$5 million reserve targets NT$1.2 million in annual spending; the video explains a 3.5% withdrawal mix.
6:28
00626
More important decisions than investing
Short
More important decisions than investing
A Canadian couple aged 33 and 34 invests C$3,000 monthly in QQQ, leveraged ETFs, and NVIDIA while targeting C$2 million in ten years; the speaker shifts focus to family planning.
3:24
00626
The true meaning of choosing a partner
Short
The true meaning of choosing a partner
A single woman whose retirement and investment plan is established asks how to weigh a partner's finances against love; the speaker emphasizes character, habits, and care.
3:56
00625
Borrow and Invest Now or Wait Until Retirement? Decide with 90K Monthly Retirement Income, the 3% Rule, and the 613 Allocation (2026)
Short
Borrow and Invest Now or Wait Until Retirement? Decide with 90K Monthly Retirement Income, the 3% Rule, and the 613 Allocation (2026)
The video reviews a reported case, the speaker's proposed framework, key figures, practical tradeoffs, and limits requiring case-specific verification.
6:09
![[The truth about borrowing, mortgage and investment cash flow] 2026](https://cdn.clec168.com/video/short/00625a.jpg "[The truth about borrowing, mortgage and investment cash flow] 2026")
00625
[The truth about borrowing, mortgage and investment cash flow] 2026
Short
[The truth about borrowing, mortgage and investment cash flow] 2026
The video reviews a reported case, the speaker's proposed framework, key figures, practical tradeoffs, and limits requiring case-specific verification.
3:17
![[Amortization of principal and interest to avoid long nights and dreams: 433 strategies for a 48-year-old two-bedroom family] 2026](https://cdn.clec168.com/video/short/00625b.jpg "[Amortization of principal and interest to avoid long nights and dreams: 433 strategies for a 48-year-old two-bedroom family] 2026")
00625
[Amortization of principal and interest to avoid long nights and dreams: 433 strategies for a 48-year-old two-bedroom family] 2026
Short
[Amortization of principal and interest to avoid long nights and dreams: 433 strategies for a 48-year-old two-bedroom family] 2026
A 48-year-old compares an annually renewed interest-only mortgage with a 30-year amortizing loan of NT$7-8 million, while asking about a 4-3-3 allocation and retirement debt.
7:22
00625
Retirement borrowing and cash flow
Short
Retirement borrowing and cash flow
The video compares mortgages, personal loans, and securities-backed borrowing in retirement cash-flow planning, including the speaker's 2%-4% borrowing and withdrawal framework.
2:28
00624
Believers Stay the Course; Doubters Lose: Why Does the Instructor Teach Only QQQ?
Short
Believers Stay the Course; Doubters Lose: Why Does the Instructor Teach Only QQQ?
The video reviews a reported case, the speaker's proposed framework, key figures, practical tradeoffs, and limits requiring case-specific verification.
3:10