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Is That 3% Cashback Costing You Tens of Thousands? The Vampiric Logic Exposed

You think you are clipping the bank, but you are the one being milked. The obsession over 3% cashback makes you the bank's favorite lamb. We tear open the psychological traps behind cashback, points, and minimum-spend rules, expose the three principles rich people use, and give you a three-step reset to cure your toxic swipe addiction.

2026.06.22 9 min

Wealth Awakening

Why Credit Newbies Who Avoid Cards Lose NT$1M on Their First Mortgage

Think proudly swiping only cash is the safest money habit? The brutal truth is that a blank credit record labels you as high-risk the moment you walk into a bank for a mortgage. Lower loan-to-value ratios, punitive rates, and an extra NT$1M in interest on a single NT$12M home loan await. This article breaks down the three traps every credit newbie falls into and shows you five ironclad rules to push your credit score above 800 in a year.

2026.06.22 10 min