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Wealth Awakening

Taiwan's New Youth Mortgage Trap: How a NT$50K Salary Buyer Goes Bankrupt

Taiwan's New Youth Home Loan looks like a gift from the government, but it is actually a sharp scythe wielded by capital markets. This piece exposes how the 5-year grace period crushes young workers earning NT$50K/month in year six, and how the rental subsidy program quietly becomes a perfect excuse for landlords to jack up rents. Learn to read the class-transfer magic trick and build real wealth through index funds and delayed gratification, before the concrete cage devours the next forty years of your freedom.

2026.06.22 12 min

Wealth Awakening

Taiwan's Young People's Collective Financial Tragedy: Not From Not Trying, But From Choosing Wrong at 25

For ordinary people, the thing that crushes them financially is rarely an accident or sudden job loss—it's that single moment at 25, earning just over NT$30,000 a month, when they didn't even realize they were making a choice. As society is saturated with a collective anxiety of "if you don't buy now you'll miss out," and a bank officer uses a "personal loan to top up your down payment" to crunch a seemingly clever number—you think you're fighting inflation, but you're actually chaining yourself into a 30-year financial cage. This article breaks down the real cost of that pivotal choice at 25, and another path you could take.

2026.06.21 8 min