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#年輕世代

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Wealth Awakening

Earning NT$40K, Drowning in NT$1M Debt? The BNPL Trap Explained

Why does paying just a few thousand a month today bury you in a million-dollar debt trap a decade later? This article rips open the psychological machinery behind zero-interest installment plans and Buy Now Pay Later schemes, exposes real cash-flow breakdowns of young earners on NT$40K salaries, and calculates the exact opportunity cost of the wealth you are quietly losing. End with a 3-step escape plan: delete the apps, audit your balance sheet, rebuild your assets.

10 min
Wealth Awakening

He Quit in 30 Seconds After Running 4 Mental Accounts: This Generation of Young People Is Clearer-Headed Than You Think

He didn't blow up at his manager, wasn't bullied by coworkers, and didn't have a dramatic breakdown. He quietly ran four accounts, then handed in his resignation within 30 seconds. This generation of young people isn't soft — they've switched to a brand-new way of calculating life: what time is worth, what sunk cost is worth, what opportunity cost looks like, what dignity is worth. While most people are still using 30-year-old formulas, this generation has rewritten the entire ledger of their lives.

7 min