Video Overview
The couple manages finances separately. The husband is retired, receives about NT$60,000 per month, has no mortgage, and holds roughly NT$8–10 million in high-dividend ETFs. The writer remains employed, has about NT$25 million in liquid assets, and uses 00662, 00670L, and 00865B. Monthly living costs are about NT$50,000, with another NT$10,000 supporting children, for annual spending near NT$720,000. Multiplying that by 30 gives the video's NT$21.6 million retirement threshold, below current liquid assets. The speaker compares 70% 00662 plus 30% 00865B with a 40/20/40 mix using 00662, 00670L, and 00865B. The transcript gives inconsistent age and retirement-year details, so they are omitted.
Key Takeaways
- The couple invests separately; the retired husband has pension income and no mortgage, while the writer has about NT$25 million.
- Living costs and support for children total about NT$60,000 monthly, or NT$720,000 yearly.
- The video calculates a NT$21.6 million threshold at 30 times spending and compares 70/30 with 424.
Chapters
About 00:00:07 · Separate finances and three children
The couple manages assets independently while the mother helps the children build investing habits.
About 00:01:34 · The 30-times-spending test
NT$720,000 multiplied by 30 gives NT$21.6 million, which the speaker treats as sufficient.
About 00:02:47 · The 70/30 and 424 options
The alternatives trade off 00662 growth, 00670L leverage, and 00865B defense.
Related Topics
Retirement threshold, 30 times annual spending, 70/30 allocation, 424 allocation, 00662, 00670L, Children's financial education
This page was prepared with AI from selected portions of the video's audio to help readers understand the main topics. It may omit secondary material or contain transcription errors; the original video remains authoritative.
