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5 articles found

Wealth Awakening

Inflation Erodes Savings: Why Skipping Investments Can Lead to Financial Fragility in Retirement

Taiwan has seen consumer prices roughly double over the past decade, with fried-chicken lunch boxes climbing from NT$80 to around NT$150 and bubble tea from NT$35 to NT$80. This article uses a fictional 38-year-old office worker, Jia-hao, to illustrate the long-term gap between labor income and capital income, and outlines a practical, disciplined savings framework accessible to workers earning NT$30,000 to NT$40,000 per month.

9 min
Wealth Awakening

From NT$10K to NT$20M: The Minimalist Dollar-Cost Averaging Formula That Beats 90% of Retail Investors

Why is the NT$10K you save every month slowly dying in your bank account? This article tears apart the minimalist DCA formula that turns a small monthly contribution into NT$20M: index ETFs, the discipline of compounding, the smile curve, an emergency cushion, and pay-yourself-first. We expose the high-dividend trap, the panic-selling curse, and the greed of bull markets — so you can build a retirement system that does not depend on luck.

14 min
Wealth Awakening

Earning NT$50K/Month? Financing a Car Could Cost You NT$5 Million Over 10 Years

The salesman says NT$10K/month is a breeze, but did you actually calculate the license tax, insurance, parking, gas, maintenance, and tolls? The real monthly burn is NT$26K — NT$3 million gone in a decade on car costs alone, and over NT$5 million once you factor in depreciation. Dump that down payment and monthly expense into a broad-market index fund instead, and compound interest would have turned it into NT$5.18 million. This article tears open the brutal ledger: the poor buy cars, the rich buy assets.

9 min
Wealth Awakening

Earning NT$50,000 a Month and Still Taking a Car Loan? The Brutal Truth About Losing NT$5 Million in 10 Years

The salesman says the monthly payment of NT$25,000 is affordable, but once you add maintenance, parking, fuel, and insurance, your real monthly burn is NT$35,000 — and with only NT$15,000 left, how do you ever get ahead? This article uses the real 5-year account of a NT$1.5 million import car loan, the 10-year NT$5 million opportunity cost, and the gap between a 25-year-old and a 35-year-old's two choices to expose the underlying rules of how the poor buy cars versus how the rich buy cars. It also gives you four non-negotiable iron rules to help you judge whether you currently have any business touching a car loan at all. If you earn a paycheck in Taiwan and feel the showroom glow pulling you in, these numbers will change the way you think about that decision for the rest of your life.

12 min