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That NT$70 bubble tea looks harmless, but compounded over 30 years it could swallow the down payment on your future home. We unpack the Latte Factor with real math, expose the three hidden spending traps ensnaring Taiwanese young professionals, and hand you three painless rules to take back control of your finances starting today.
Earning NT$50-60K monthly, Instagram-perfect on the outside, but your bank account hits zero by payday? You might be trapped in the fake middle-class illusion. We expose 5 deadly spending black holes and a 3-step rescue plan to break free.
Xiaoyu earned NT$38,000 a month and was trapped in the loop of "no matter how much I earn, it's never enough." Until one evening on the 18th, the caring, tempting voice in his head was replaced by a calmer one — and from then on, he didn't get smarter and didn't switch jobs; he only swapped one thought. That story holds the truth about saving psychology that 90% of ordinary people never learn.