3 articles found
At 18, fresh out of high school, facing the dilemma of college vs. work? This article uses real data to help you calculate: the true cost of four years of college (including opportunity cost of up to NT$3 million), the actual salary gap between education levels, and the third path beyond just go to college or start working. Plus 5 financial habits to start building at age 18.
Carriers use "$0 flagship phone" as bait, but the real NT$40,000 device cost is hidden inside 48 months of inflated monthly fees — you end up paying nearly double while the phone loses a third of its value in year one. We break down the contract math, the family-share hostage trap, and the credit-ruin risk of selling your subsidized phone for cash, then show how to redirect that monthly savings into low-cost index funds and turn consumption into assets.
Open your phone, see someone else post a 30% annual return, then quietly close the app? This is for anyone with under $1.5M in savings. Learn the digital account migration method, automatic investing in market-cap ETFs, slashing fixed expenses, and labor pension voluntary contributions — all without watching the market daily. After 30 years, the gap isn't about money, it's about the choices you make today.