Articles

When AI Learns to Test Its Own Skills — So Do I

職涯與生活
March 5, 2026

Anthropic just published a piece on Skill Creator’s eval system — a way to measure, compare, and continuously improve AI skills. Funny enough, I’ve been doing the exact same thing lately. Except what I’m testing are the 19 Claude Code Skills I built myself. A lazy person’s notes on AI skill evolution.

I Found a Reason to Leave Comet and Go Back to Chrome...

職涯與生活
February 28, 2026

After using Comet for a few months, I thought there was no going back from AI search—until I discovered Chrome could do the same thing. Sharing the setting that made me switch back, three steps to make Google AI Mode your default search engine.

[EP69] Where Did All the Money Go After Lunar New Year? The Lazy Person''s Annual Financial Check-Up in 3 Steps

Podcast節目
February 24, 2026

The New Year red envelopes are gone and the bonus is spent — is your money still alive? In this episode, Lazy Da shares his Lunar New Year experience, a digital workflow spring cleaning, the lazy mindset, a 3-step lazy annual financial check-up, and a fun experiment asking AI “How well do you really know me?”

【Life】Anytype Revived During the New Year! How an Extremely Lazy Person Builds an Efficient Note-Taking Workflow with Automation

職涯與生活
February 19, 2026

After neglecting Anytype for over a year, I unexpectedly revived it while reorganizing my workflow during the Lunar New Year. I share the mindset of an extremely lazy person: I hate trouble, so I love automation, and I use it to transform my reading, note-taking, and life.

The "Calm and Composed" Investment Philosophy: Decoding Viral Lyrics to Escape a Life of Rushing and Scrambling

財務規劃與心態
February 13, 2026

Is your life “calm and composed, effortlessly masterful,” or “rushing and scrambling”? Through a lyrical analysis of the viral hit “No Ambition,” this post helps you examine your financial state and provides a systematic investment philosophy to help you escape anxiety and step toward a financially composed ideal life.

Magnificent Seven (M7) vs. VOO: The Ultimate Showdown — Should You Bet on the "Seven Warring States" or Invest in the "Unified Empire"?

財務工具與金融商品
February 11, 2026

Still debating whether to bet on the Magnificent Seven (M7) or steadily invest in VOO? This post uses a historical analogy of China’s “Seven Warring States” to instantly clarify the core difference between “focused attack” and “steady defense,” giving you the clearest investment decision guide!

2026 Sub-brokerage Recommendation: Yuanta, Cathay, Fubon Fee Comparison (Latest)

財務工具與金融商品
February 10, 2026

How to choose the most cost-effective sub-brokerage? This article uses the same comparison framework to organize the key points of Yuanta, Cathay, Fubon, Capital, and KGI’s fixed amount investments and fees, and explains how DRIP (dividend reinvestment) affects long-term returns.

【Investment】Tech Giants' AI Investment Surpasses the Moon Landing: What Does $670 Billion in Capital Expenditure Mean for Investors?

財務工具與金融商品
February 9, 2026

Meta, Amazon, Microsoft, and Alphabet are projected to invest a staggering $670 billion in AI infrastructure by 2026, accounting for 2.1% of the US GDP, surpassing the Apollo moon landing program and the Interstate Highway System. What does this mean for the average investor?

XLG vs. VOO: A Complete Guide to Choosing Between the Top 50 and Top 500 U.S. Stock ETFs

財務工具與金融商品
February 9, 2026

Torn between the concentrated firepower of XLG and the steady diversification of VOO? This guide breaks down the pros and cons of both, with clear recommendations based on your investment style. Read now and find the core U.S. ETF that fits you best — Lazy to Be Rich

Is Borrowing Money to Invest a Good Idea? A 3-Step Financial Check-Up to Assess Risk and Timing

財務規劃與心態
February 8, 2026

Thinking of using loans to amplify your profits? Hold on! This guide provides a 3-step financial check-up to systematically assess your repayment ability, risk tolerance, and investment maturity. Learn the right way to safely use leverage, avoid painful losses, and kickstart your financial action | Lazy to Get Rich (懶得變有錢)

2026 Complete ETF Comparison: VOO vs QQQ vs VT — Fees, Performance, and Risk Fully Analyzed

財務規劃與心態
February 7, 2026

The data speaks! We dive deep into 10 popular ETFs, including the latest expense ratios and 5-year backtesting for VOO, QQQ, and VT. Want to make the smartest investment decision? Click for the full comparison report and expert recommendations — Lazy to Be Rich

【2026 Complete Guide】VOO Sub-brokerage Beginner's Guide: From Opening an Account to Completing Your First Trade and Buying US Stock ETFs

財務工具與金融商品
February 6, 2026

A complete VOO sub-brokerage investment guide, teaching you step-by-step from opening an account with a Taiwanese brokerage, exchanging currency, to buying your first share of VOO ETF. Includes practical experience with SinoPac Securities, fee comparisons, W-8BEN form filling, suitable for beginners who want to invest in the US stock S&P 500 index. Provides the latest 2026 sub-brokerage fee rates and dollar-cost averaging strategies. Grasp the key to investment immediately | 懶得變有錢 (Lazy to Get Rich)

Is VOO-Only Investing Like Eating Only Chicken Breast? 3 Steps to Build a Balanced Lazy Portfolio

財務規劃與心態
February 5, 2026

How much of your portfolio should be VOO? Stop going all-in! Learn how to combine global markets (VXUS) and bonds (BND) for proper asset allocation — reduce risk and boost long-term returns. See detailed allocation ratios and backtesting data — Lazy to Be Rich

Is Your Finances Like a Failing Project? A Fake Engineer's 7-Day "Lazy Financial Refactor" to Declutter Your Money Flow

職涯與生活
February 4, 2026

Does your paycheck disappear without a trace? Try this “Financial Refactoring” method designed for the laziest among us. We apply project management thinking to personal finance, offering a 7-day action checklist so you can take control of your cash flow and automate your savings — Lazy to Be Rich

The Secret to Saving NT$500K a Year as a Couple: How Our Tested 3-Account System Ended the Money Fights

財務規劃與心態
February 3, 2026

Want to know how to go from living paycheck to paycheck as a couple to saving NT$500K a year? This post reveals the full setup and implementation details of the “3-Account Finance System,” with a real case study. Click to learn this simple yet effective savings system — Lazy to Be Rich

3 Key Principles for Beginner Investors: Understanding Financial Planning's Infinite Game Through Deng Kaiwei's Baseball Journey

財務規劃與心態
February 2, 2026

Is your financial planning like waiting in the bullpen, not knowing when you’ll get called up? This article uses the example of pitcher Deng Kaiwei to teach you how to set goals, keep accumulating, and adjust your mindset. Start learning now — let your financial journey head toward the major leagues | Lazy to Be Rich

Is Universal Cash Distribution a Benefit or a Trap? Understanding National Finance Through "Opportunity Cost"

職涯與生活
February 1, 2026

Should you happily pocket a universal cash payout from the government? This article uses the economic concept of ‘opportunity cost’ to dissect the choice between short-term cash and long-term investment. Learn to manage national finances the way you’d manage a household, and make smarter decisions | Lazy to Be Rich

Is Retirement Planning Only About Money? 5 Key Strategies from "Retirement Reinvention" to Reshape Your Retirement Blueprint

閱讀心得
January 31, 2026

Don’t let retirement be just financial spreadsheets! This review of Retirement Reinvention reveals 5 key strategies: reshaping identity, building social connections, and continuous learning. See how we turn the book’s theories into an actionable retirement plan — absorb the key points now | Lazy to Be Rich

QQQ vs SPY Performance Showdown: Data Analysis on Which ETF is Stronger? (Including 10-Year Backtesting)

財務工具與金融商品
January 30, 2026

An in-depth analysis of QQQ and SPY using ten years of historical backtesting data! Compare how both perform in bull and bear markets, examine the impact of expense ratios, and discover which ETF delivers higher returns over the long run. Click for the full data analysis and master the key to investing | Lazy to Be Rich

Career: Truly Outstanding People Don't Need Ego Stroking; Focus on Work Results is Key

職涯與生活
January 29, 2026

Steve Jobs once said, ‘When you get really good people, they know they’re really good, and you don’t have to baby people’s egos so much. Really matters is the work, and everybody knows that. That all that matters is the work.’ This quote reveals the core spirit of high-performance teams and applies to personal growth and financial planning.

EP68 Do You Want to Pass Through the Gate, or Do You Want to Look Good Like Everyone Else? | Review Habits, Internal & External Attribution, Long-Term Investment Mindset

Podcast節目
January 29, 2026

In this episode, we talk about the prep work behind recording the podcast, the habit of daily reviews with Anytype, and how a story about a kid’s EasyCard (Taiwan transit card) leads to a reflection on ’external vs. internal attribution.’ On the financial planning front, I share my strategy of trimming individual stocks in favor of ETFs, my thoughts on holding NVIDIA and Tesla in U.S. stocks, and the importance of investing in your own skills in the age of AI.

S&P500 Golden Cross Historical Data Analysis: How Likely Is a Bull Market in 2026? A Complete Investor's Guide

財務工具與金融商品
January 28, 2026

Historical data shows the S&P500 averages a 15% gain in the 12 months following a golden cross. This article breaks down the 2026 market signal, provides specific ETF portfolio suggestions, and helps you make smart decisions. Master the key investment insights today | Lazy to Be Rich

EP67

Podcast節目
January 27, 2026

The “Lazy to Be Rich” podcast covers topics including financial planning, financial tools, book reflections, and career & life — encompassing every relationship you might have with money. If you want a deeper understanding of the essence of financial planning, subscribe, follow, and share. We welcome your thoughts so more people can plan their finances and find happiness with a method.

The Complete FIRE Guide: 4 Ways to Retire Early and Accelerate Your Financial Freedom

財務規劃與心態
January 27, 2026

Financial freedom is simpler than you think! This complete guide takes you deep into 4 mainstream FIRE models — from high savings rates to passive income — with concrete strategies and comparisons. Explore now, find the right approach, and make your retirement plan twice as efficient. Start your financial action today | Lazy to Be Rich

How Can an Emergency Fund Help You Earn Twice as Much? 3 Key Principles to Invest Without Anxiety

財務規劃與心態
January 26, 2026

Is your emergency fund in the right place? Over 90% of people misunderstand its true purpose. This article uses data to break down why a reserve fund helps you make more rational investment decisions, and offers a lazy-person savings formula — start now, kickstart your financial action | Lazy to Be Rich

Small Choices, Big Impact: 3 Key Financial Mindsets from Daily Decisions

職涯與生活
January 25, 2026

Every small daily choice shapes your financial habits. Starting from everyday decisions, this article reveals 3 key financial mindsets and shows you how to gradually build wealth and change your life through conscious choices.

Complete VT ETF Guide (2026): Fees, Holdings, and Comparison with VTI/VOO

財務工具與金融商品
January 24, 2026

Is VT ETF really the best global market choice? We dive deep into its ultra-low 0.06% expense ratio, top 10 holdings, and country allocation. One chart to understand the key differences between VT, VTI, and VOO — find the asset allocation strategy that fits you best | Lazy to Be Rich

Always Quitting Halfway on Personal Finance? Channel Host Reveals 3 Mindsets That Prove Consistency Beats Speed

職涯與生活
January 23, 2026

Stop chasing get-rich-quick myths! My real experience building a personal finance channel from scratch — sharing how to create a financial plan that lets you sleep soundly. Click to learn the wisdom of “slow wealth” and find your own financial rhythm | Lazy to Be Rich

How to Stop Complaining and Feeling Anxious? 3 Steps to Master the "Circle of Influence" and Regain Control of Your Life

職涯與生活
January 22, 2026

Feeling like life is out of control and filled with anxiety? Learn Stephen Covey’s “Circle of Influence” theory — just 3 simple steps to focus your energy on what truly matters. Click to start changing your mindset today and upgrade your life decisions | Lazy to Be Rich

Beat the "Can't Save Money" Anxiety: Master 3 Mindsets to Watch Your Savings Grow Steadily

財務規劃與心態
January 21, 2026

The shift from “empty bank account” to “steady accumulation” is simpler than you think. We’ll help you master 3 key financial mindsets, break free from impulsive spending, and move toward financial freedom. Discover your wealth mindset and start taking financial action now | Lazy to Be Rich

Say Goodbye to Burnout: 4 Science-Backed Methods to Rebuild Your Motivation and Reclaim Your Best Life

職涯與生活
January 20, 2026

Still stuck in a slump? Learn 4 evidence-based methods — from setting clear goals to reward systems — to systematically rebuild your work and life motivation. Read now for concrete steps to break free from burnout and boost your efficiency | Lazy to Be Rich

Break the Paycheck-to-Paycheck Cycle! 8 Hidden Money Leaks and How to Fix Them

財務規劃與心態
January 19, 2026

Tired of running out of money by the end of the month? This article reveals 8 invisible bad habits that drain your finances. This savings guide built for young people will take you step by step to build savings confidence, leave financial anxiety behind, and move toward the freer life you want. Start taking financial action now | Lazy to Be Rich

EP66

Podcast節目
January 18, 2026

The Lazy to Be Rich podcast covers topics including “Financial Planning,” “Financial Tools,” “Book Reviews,” and “Career & Life” — everything about your relationship with money. If you want a deeper understanding of the essence of financial planning, subscribe, follow, share, and share your thoughts, so more people can plan their finances and find their own path to happiness.

VOO 2026 Complete Analysis: Key Differences from SPY, Fees & Performance Comparison

財務工具與金融商品
January 18, 2026

A deep dive into VOO ETF! Based on the latest data, a comprehensive comparison of VOO vs. SPY in 2026 — expense ratios, tracking error, and long-term performance. One article to help you figure out which S&P 500 ETF fits your portfolio better. Get the key investing insights now | Lazy to Be Rich

VOO vs 0050 Ultimate Showdown (2026 Update): Which Should You Choose? 10-Year Data, Risk & Fee Analysis

財務工具與金融商品
January 17, 2026

VOO or 0050 — which should you pick? This article uses the latest data through January 2026 to compare 10-year annualized returns, expense ratios, risk diversification, dividend yields, and more, helping you make the long-term investment decision that fits your personal risk tolerance.

2025 Annual Returns Comparison: 0050, VOO, QQQ — Who Wins? 2026 Allocation Recommendations

財務工具與金融商品
January 16, 2026

Trying to choose between 0050, VOO, and QQQ? This article breaks down 2025 returns and risk differences, and gives you concrete 2026 allocation recommendations you can act on right away.

EP65

Podcast節目
December 26, 2025

The Lazy to Be Rich podcast covers topics including “Financial Planning,” “Money Tools,” “Book Reviews,” and “Career & Life,” touching on every aspect of your relationship with money. If you want a deeper understanding of what financial planning is really about, subscribe, follow, share, and feel free to join the conversation — let’s plan our finances together and find joy along the way.

Elon Musk's Sense of Mission Made Me Bow Down for a Moment — Controversies Aside

職涯與生活
December 23, 2025

Elon Musk doesn’t just build cars and launch rockets — his 5 wild predictions about the future completely shattered my imagination. From space-based AI data centers to ‘Universal High Income,’ and even the idea that we might be living inside an alien Netflix series — these aren’t just sci-fi, they’re deeply insightful takes on human nature. This post rounds up the Musk ideas that hit me hardest, especially the one about ‘productivity,’ which is a real wake-up call for us efficiency-obsessed lazy folks.

EP64 - That''s 64

Podcast節目
December 19, 2025

EP63: Just 63

Podcast節目
December 7, 2025

The Lazy to Be Rich podcast covers topics including “financial planning,” “financial tools,” “book reviews,” and “career & life,” encompassing all aspects of your relationship with money. If you want to deepen your understanding of the essence of financial planning, feel free to subscribe, follow, share, and bring your thoughts — so more people can plan their finances and find happiness.

EP62: Financial Lessons for Busy Parents: Presence Matters More Than Investment Returns

Podcast節目
November 6, 2025

EP61: Why Do We Willingly Pay the "IQ Tax"? The Truth About Dieting and Personal Finance

Podcast節目
November 5, 2025

EP60: The Truth About Saving Money — Understanding Your Financial Decisions Through the Iceberg Theory

Podcast節目
October 31, 2025

The "At Ease, Effortlessly Masterful" Money Philosophy: Dissecting a Viral Song to Leave Behind a Life of Rushing and Scrambling

財務規劃與心態
October 14, 2025

Is your life “at ease and effortlessly masterful,” or “rushing and scrambling”? This post dissects the lyrics of the wildly viral Taiwanese internet song No Ambition to help you examine your own financial state. It offers a systematic investment philosophy to help you leave anxiety behind and move toward a financially relaxed life.

Magnificent Seven (M7) vs. VOO Deep Dive: Bet on the "Seven Warlords," or Invest in the "Unified Empire"?

財務工具與金融商品
October 9, 2025

Still on the fence between the Magnificent Seven (M7) and the steady VOO? This article uses a historical analogy of China’s Warring States period to help you instantly grasp the core difference between “focused offense” and “steady defense” — giving you the clearest possible investment decision guide!

2025 Taiwan Sub-Brokerage Comparison: Sinopac, Fubon, Cathay Fee Showdown — How Frugal Investors Should Dollar-Cost Average into US Stocks

財務工具與金融商品
October 5, 2025

Want to invest in US stock ETFs like VOO through sub-brokerage (複委託) but not sure which broker gives you the best deal? This article compares the latest fee structures and dollar-cost-averaging promotions at Sinopac (永豐), Fubon (富邦), Cathay (國泰), Group-I (群益), and KGI (凱基), with an exclusive deep-dive into the compounding power of Dividend Reinvestment (DRIP), plus a detailed step-by-step tutorial so you pick the right broker from day one | Lazy to Be Rich

XLG vs. VOO: Which Should You Choose? A Clear Guide to Top-50 vs. Top-500 US Stock ETFs

財務工具與金融商品
October 1, 2025

Can’t decide between the concentrated firepower of XLG and the steady diversification of VOO? This guide breaks down the pros and cons of both and gives you clear recommendations based on your investment style. Read now to find the right core US stock ETF for you | Lazy to Be Rich

Is Borrowing to Invest a Good Idea? A 3-Step Financial Health Check to Assess Risk and Timing

財務規劃與心態
September 22, 2025

Thinking of using debt to amplify your gains? Hold on! This guide provides a 3-step financial health check to systematically evaluate your repayment ability, risk tolerance, and investment maturity. Learn the right way to use leverage safely, avoid painful losses, and take action on your finances now | Lazy to Be Rich

VOO, QQQ, or VT — How to Choose? 2026 ETF Comparison (Fees, Performance, Risk)

財務規劃與心態
September 11, 2025

New to ETFs? Use the same framework to compare VOO, QQQ, and VT on fees, returns, and volatility — then let your risk tolerance determine your core holding.

[2025 Complete Guide] VOO Sub-Brokerage for Beginners: From Opening an Account to Your First U.S. ETF Trade

財務工具與金融商品
September 10, 2025

A complete VOO sub-brokerage investment tutorial from scratch — step by step, showing you how to open a sub-brokerage account through a Taiwanese broker, exchange currency, and buy your first share of VOO ETF. Includes hands-on experience with Sinopac Securities, commission comparison, W-8BEN form instructions, and is suitable for beginners who want to invest in the S&P 500 index. Features the latest 2025 sub-brokerage fee rates and dollar-cost averaging strategies — grasp the investment essentials now | Lazy to Be Rich

Don't Let Accidents Ruin Your Life! The 4 Essential Insurance Planning Guide (Medical & Life)

Podcast節目
September 5, 2025

A single accident or illness could wipe out a lifetime of hard work. EP53 dives deep into why medical insurance, cancer insurance, accident insurance, and life insurance are the cornerstones of financial security. This episode uses real-life cases to help you identify coverage gaps and learn how to build comprehensive protection on a small budget. Listen now and guard your future — Lazy to Be Rich

VOO ETF Investment Like Eating Only Chicken Breast? 3 Steps to Build Your Lazy Balanced Portfolio

財務規劃與心態
September 4, 2025

How much of your portfolio should be VOO? Stop going all-in! Experts show you how to combine global markets (VXUS) and bonds (BND) for proper asset allocation — effectively reducing risk and boosting long-term returns. Click to see detailed allocation ratios and backtesting data. Start taking financial action now | Lazy to Be Rich

Is Your Finances Like a Runaway Project? A Fake Engineer's 'Lazy Financial Refactoring Method' to Clean Up Your Cash Flow in 7 Days

職涯與生活
August 27, 2025

Does your paycheck disappear without a trace? Try this ‘Financial Refactoring’ system designed for lazy people. We apply project management thinking to personal finance and give you a 7-day action checklist to master your cash flow and automate your savings. Learn this high-efficiency system and upgrade your life decisions today | Lazy to Be Rich

The Ultimate Couples' Finance Playbook: 3 Accounts to Boost Savings and Stop Fighting Over Money (2025 Tested)

Podcast節目
August 26, 2025

Want to hit your first million NT$ with your partner without the drama? The ‘3-Account Method’ is your answer. We’ll walk you through setting up a shared account, personal spending accounts, and a dream account — and how to allocate income effectively. Read the full guide and start building your wealthy future together — highlights from Lazy to Be Rich

The Secret to Saving NT$500K a Year as a Couple: Real-Life Test of the 3-Account Method That Ends the Paycheck-to-Paycheck Cycle

財務規劃與心態
August 25, 2025

Want to know how to go from a broke couple to saving NT$500,000 a year? This post lays out the full setup and execution of the ‘3-Account Method,’ with a real case study. Click to learn this simple, effective savings system and start taking financial action today | Lazy to Be Rich

3 Keys to Smart Money for Beginners: How Deng Kaiwei's Baseball Journey Reveals the Infinite Game of Financial Planning

財務規劃與心態
August 11, 2025

Is your financial plan stuck in the bullpen, waiting for the call-up? This post uses Deng Kaiwei’s story to teach you how to set goals, build steadily, and shift your mindset. Start now and put your finances on the path to the major leagues — take action today | Lazy to Be Rich

One Brutal Savings Method to Accelerate Wealth Building! The ETF Strategy Every Lazy Person Must Learn

Podcast節目
August 11, 2025

Want to save effectively but have no time? This “Brutal Savings Method” is designed for busy people like you. This post walks you through setting up an automated investment flow, using ETFs to manage your money effortlessly, and making every dollar work for you. Learn this system and kick off your journey to financial freedom — highlights from Lazy to Be Rich

Chasing "Slow Wealth" Over Quick Money: Financial Wisdom Learned from a Major League Victory

Podcast節目
August 4, 2025

Does getting rich have to happen fast? Deng Kaiwei’s Major League success shows the power of “slow wealth.” This episode shares a money-saving philosophy that doesn’t rely on market swings — redefining financial freedom so you can trade in anxiety for the joy of building wealth over time. Click to learn the right financial mindset | Lazy to Be Rich

Universal Cash Handout: Benefit or Trap? Understanding National Finance Through "Opportunity Cost"

職涯與生活
August 3, 2025

Should you happily pocket the universal cash distribution (全民普發, a government stimulus payout to all citizens)? This article examines the trade-off between short-term cash and long-term investment through the economics lens of “opportunity cost.” Learn to think about national finances the way a household would, and make smarter decisions in life | Lazy to Be Rich

3 Steps to Financial Freedom: Building Your Money System with Atomic Habits

Podcast節目
July 25, 2025

Want to achieve financial freedom? Stop just chasing goals! This episode teaches you 3 steps from “Atomic Habits” to build an automated financial system. Answers to your questions on mortgages, savings insurance, and ETF investing — all in one. Listen now and take your first step toward financial freedom | Lazy to Be Rich

Book Review — "Atomic Habits": The Compound Interest of 1% Daily Progress — How Much Did I Save After One Year?

閱讀心得
July 23, 2025

Discover how “Atomic Habits” turns tiny 1% changes into massive wealth snowballs. From building systems to changing identity, I share how I used atomic habits to build investment discipline and savings results. Want to see the power of compound interest? Read now | Lazy to Be Rich

An Extra NT$10K Per Month — Pay Off the Mortgage or Buy VOO? A Data-Driven Analysis for 2025

Podcast節目
July 17, 2025

Should you pay off your mortgage early or put the extra money into ETFs? This episode digs deep into interest rates, inflation, and compound interest to give you a clear decision framework. Click to listen and make the smartest financial decision with data | Lazy to Be Rich

Is Retirement Planning All About Money? 5 Key Strategies from "Retirement Reinvention" to Reshape Your Retirement Blueprint

閱讀心得
July 10, 2025

Don’t let retirement be just a financial spreadsheet! This review of Retirement Reinvention reveals 5 key strategies: reinventing your identity, building social connections, and continuous learning. Click to see how we turn theory into an actionable retirement plan | Lazy to Be Rich

Prof. Galloway's Life & Wealth Course: I Spotted a New Highlight! (2025 Key Points Summary)

Podcast節目
July 8, 2025

【Quick Summary】Master the key insights from ‘Prof. Galloway’s Life & Wealth Course’ in one read — passive investing, VOO vs SPY fee differences, lifestyle inflation, and more. Learn Galloway’s wealth strategy and optimize your financial planning | Lazy to Be Rich

QQQ vs SPY Performance Showdown: Data Analysis of Which ETF Wins? (With 10-Year Backtest)

財務工具與金融商品
July 7, 2025

A deep dive into 10-year historical backtest data for QQQ and SPY! Comparing their performance in bull and bear markets, the impact of expense ratios, and revealing which ETF delivers higher returns over the long term. Click to see the full data analysis | Lazy to Be Rich

S&P 500 Golden Cross Historical Data Analysis: How High Is the Bull Market Probability in 2025? A Complete Investment Playbook

財務工具與金融商品
July 4, 2025

Historical data shows the S&P 500 averages a 15% gain in the 12 months following a Golden Cross. This article breaks down the 2025 market signals, provides specific ETF portfolio recommendations, and helps you make smart investment decisions | Lazy to Be Rich

The Key to Overcoming Financial Laziness and Accelerating Your Path to Financial Freedom

Podcast節目
June 28, 2025

Feeling like managing money is too hard and you can’t find the motivation? Lazy Da shares reflections after a month-long absence, teaching you to focus on principal and build a long-term strategy unaffected by market volatility. Listen now to reignite your financial passion | Lazy to Be Rich

5 Core Reasons Why Stocks Rise: Understand Market Drivers in One Article (2025 Update)

Podcast節目
May 26, 2025

A deep dive into why stocks rise! From earnings reports and market sentiment to economic indicators, we explain in plain English the 5 key factors that move stock prices. A complete guide for beginner investors. Start learning now | Lazy to Be Rich

The First Step in Personal Finance Isn't Tracking Expenses? Master This and Skip 10 Years of Trial and Error

Podcast節目
May 22, 2025

Looking for the right place to start with personal finance? This episode reveals the core key that matters even more than tracking expenses or investing. Listen now, learn the simple shift in financial thinking that will save you years of detours, and get to your money goals faster. Listen to episode highlights | Lazy to Be Rich

The Right Time to Teach Kids About Money: 3 Expert Steps to Start the Savings Conversation

Podcast節目
May 16, 2025

Research shows that before age 7 is the golden window for building a healthy money mindset. Wondering when and how to talk to your kids about saving? This episode provides an expert-validated 3-step guide for weaving financial literacy into everyday life. Listen now and give your child the financial superpower that will serve them for life. | Lazy to Be Rich

AI-Powered Personal Finance: Complete Analysis of 4 FIRE Models — Which One Is Right for You?

Podcast節目
May 15, 2025

Want to achieve financial freedom? This episode offers a complete comparison of 4 FIRE types (Traditional / Barista / Coast / Cashflow), and reveals how AI tools can boost your financial planning efficiency. Explore the FIRE path that fits you best and let technology help you get there faster. Listen to episode highlights | Lazy to Be Rich

How Much Is Enough for an Emergency Fund? 3 Steps to Build Your Financial Safety Net

Podcast節目
May 12, 2025

Still wondering how much to set aside for an emergency fund? EP41 walks you through 3 simple steps to calculate the right amount for you, plus the best tools to store it. Say goodbye to financial anxiety — learn how to build your first line of defense right now. Listen to episode highlights | Lazy to Be Rich

The Complete FIRE Guide: 4 Early Retirement Strategies to Accelerate Your Financial Freedom

財務規劃與心態
May 12, 2025

Financial freedom is simpler than you think! This complete guide dives deep into the 4 mainstream FIRE models — from high savings rates to passive income — with concrete strategies and comparisons. Explore now, pick the right approach, and make your retirement plan twice as effective with half the effort. Start taking financial action today | Lazy to Be Rich

How an Emergency Fund Can Double Your Peace of Mind: 3 Strategies to Invest Without Anxiety

財務規劃與心態
May 11, 2025

Is your emergency fund in the right place? Over 90% of people misunderstand its real purpose. This article uses data to explain why a reserve fund helps you make more rational investment decisions — plus a lazy-person savings formula to get you started | Lazy to Be Rich

VT ETF Complete Guide (2025): Fees, Holdings & Comparison with VTI/VOO

財務工具與金融商品
April 25, 2025

Is VT ETF really the best global market choice? We dive deep into its ultra-low 0.06% expense ratio, top 10 holdings, and country allocation. See the key differences between VT, VTI, and VOO at a glance, and find the best asset allocation strategy for you | Lazy to Be Rich

Always Quitting Financial Planning Halfway? 3 Mindsets Where Consistency Beats Speed

職涯與生活
April 24, 2025

Stop chasing get-rich-quick myths! My real insights from building a personal finance channel from scratch — how to create financial plans that let you sleep soundly at night. Click to learn the wisdom of “slow wealth” and find your own financial rhythm | Lazy to Be Rich

How to Stop Complaining and Worrying? 3 Steps with the "Circle of Influence" to Regain Control of Your Life

職涯與生活
March 27, 2025

Feeling like life is out of control and anxiety is creeping in? Learn Stephen Covey’s “Circle of Influence” theory — just 3 simple steps to focus your energy on what truly matters. Click to change your mindset starting today and upgrade your life decisions | Lazy to Be Rich

Say Goodbye to Saving Anxiety: 3 Mindsets to Watch Your Savings Grow Steadily

財務規劃與心態
March 23, 2025

The shift from an “empty account” to “steady accumulation” is simpler than you think. We walk you through 3 key financial mindsets to break free from impulse spending and move toward financial freedom. Discover your wealth-building mindset now | Lazy to Be Rich

Break Free from Work Burnout: 4 Science-Backed Methods to Rebuild Your Motivation and Reclaim Efficiency

職涯與生活
March 21, 2025

Still struggling through a slump? Learn 4 evidence-based methods — from setting clear goals to reward systems — to systematically rebuild your work and life motivation. Read now to master the concrete steps for escaping burnout and boosting productivity | Lazy to Be Rich

Stop Living Paycheck to Paycheck! 8 Hidden Money-Draining Habits (With Solutions)

財務規劃與心態
February 23, 2025

Tired of being broke by month-end? This article uncovers 8 invisible habits that silently drain your wallet. This savings guide, designed for young people in Taiwan (台灣), will help you build savings confidence step by step, say goodbye to financial anxiety, and move toward a freer life. Take action now | Lazy to Be Rich

VOO 2025 Complete Analysis: 5 Key Differences vs. SPY, Full Fee and Performance Comparison

財務工具與金融商品
February 21, 2025

A deep dive into VOO ETF! Based on the latest data, this article fully compares VOO and SPY on expense ratios, tracking error, and long-term performance in 2025. One read to understand which S&P 500 ETF fits your portfolio best. Get the key investment insights now | Lazy to Be Rich

0050 Stock Split: A Buy Signal? How Budget Investors Can Seize the 1-for-5 Low-Barrier Opportunity

Podcast節目
February 19, 2025

After the 0050 stock split, one board lot no longer costs NT$150,000+! Is this a big win for budget investors? This post dives deep into the pros and cons of the 1-for-5 split, helps you decide if now is the best time to buy in, and gets you started on your ETF savings plan. Listen to the podcast highlights now | Lazy to Be Rich

2025 0050 Stock Split Must-Read: How Does the 1-for-5 Split Affect Stock Price and Dividends?

財務工具與金融商品
February 17, 2025

Yuanta Taiwan 50 (0050) is about to undergo a stock split — 1 share becomes 5! This article fully explains the impact on stock price, dividends, and trading costs after the split, and shows you how to respond and avoid common investment pitfalls. Get the key investment insights now | Lazy to Be Rich

2025 ETF Investment Guide: In-Depth 0050 vs VOO Showdown with QQQ Performance Backtest Analysis

財務工具與金融商品
February 14, 2025

Reviewing 0050’s exceptional returns in 2024 and looking ahead to 2025 market trends. We give you a complete comparison of three ETFs — their pros, cons, fees, and risks — with data-driven insights to help you pick the best starter ETF | Lazy to Be Rich

Build Compound Interest with Automated Investing! 3 Mindset Shifts to Keep Your Finances on Track

Podcast節目
February 14, 2025

Want to keep investing but no time? This episode reveals how to use an “automation mindset” to make financial management effortless, and shares 3 key mindset adjustments for steady asset growth. Click to learn how to let the system work for you | Lazy to Be Rich

VOO vs 0050 Ultimate Showdown (2025 Update): Which One to Pick? 10-Year Data, Risk, and Fees Fully Analyzed

財務工具與金融商品
February 14, 2025

VOO or 0050 — which one should you choose? This article provides the latest data through 2025, delivering an ultimate showdown from multiple angles including 10-year annualized returns, expense ratios, risk diversification, and dividend yield, to help you make the investment decision that best fits your personal risk tolerance.

The Best Time to Sell Your ETF: 3 Strategies to Replace Market Prediction for More Solid Wealth Growth

財務規劃與心態
November 18, 2024

Wondering when to sell your ETF? Stop chasing highs and panic-selling lows! This article offers 3 practical strategies — goal-driven selling, periodic rebalancing, and phased exits — to free you from emotional trading. Learn how to build a clear ETF exit plan | Lazy to Be Rich

Financial Planning Fails 90% on Execution? 3 Steps to Strengthen Your Money Discipline

Podcast節目
November 4, 2024

Does your financial plan always stall at step one? This episode reveals that the real key to financial success is “execution power.” Learn 3 practical techniques to turn plans into action. Listen now and build a truly effective money system | Lazy to Be Rich

How to Achieve 10% Annualized Returns? No Individual Stocks Needed — A Practical Index Investing Strategy

Podcast節目
October 21, 2024

Want to achieve 10% annualized returns without the risk of individual stocks? This episode reveals how long-term investors use index investing and asset allocation to steadily reach their financial goals. Click to learn expert-proven investment methods. Tune in now for episode highlights | Lazy to Be Rich

How to Calculate Net Worth? The Most Complete 2024 Family Net Worth Tutorial (with Template)

Podcast節目
October 7, 2024

Want to know if your family finances are healthy? This article provides the most complete net worth calculation tutorial — from categorizing assets and liabilities to hands-on examples — walking you through step by step. Start your financial planning now. Tune in now for episode highlights | Lazy to Be Rich

Buying 0050 Is Not as Good as Buying TSMC? Debunking Common Myths with Data on Real Returns

Podcast節目
September 24, 2024

Heard that “buying 0050 is not as good as buying TSMC directly” for better returns? In this episode, we break it down with historical data, revealing the real returns of concentrated vs. diversified investing. Avoid investment traps and understand the truth behind it. Click to listen to the full analysis. Tune in now for episode highlights | Lazy to Be Rich

Stock Saving Beginner Guide: Why Saving Money Is Not as Good as Saving in Stocks? 0050 vs VOO Comparison & Investment Strategy

Podcast節目
September 19, 2024

Want to build wealth through investing? This episode dives deep into the fundamental difference between “saving money vs. saving in stocks,” and provides a complete comparison of 0050 and VOO. Learn how to choose the right ETF for you and take your first step toward financial independence. Tune in now for episode highlights | Lazy to Be Rich

0050 vs. VOO Ultimate Showdown (2025): Taiwan Champion or Team USA? A Complete Data-Driven Analysis

財務工具與金融商品
September 17, 2024

Want to invest in ETFs but don’t know where to start? With Taiwan stocks performing strongly in 2025, are you torn between 0050 and VOO? This guide provides the most comprehensive showdown analysis — from fees, risk, and returns to the latest market data — to help you make the smartest investment decision｜Lazy to Be Rich

Why Can You Never Save Money? 3 Keys from "Blame It on the Genes" That Affect Your Wealth

Podcast節目
September 16, 2024

Wondering why your savings plan always fails? This podcast episode dives deep into “Blame It on the Genes” to uncover 3 key genetic factors controlling your spending and investing behavior. Tune in to learn how to use scientific methods to beat your instincts and effectively build wealth｜Lazy to Be Rich

Complete Guide to the Three Major U.S. Stock Market Indices (2024): Dow Jones, S&P 500, and NASDAQ Compared with ETF Investments

財務工具與金融商品
September 12, 2024

An in-depth analysis of the three major U.S. stock market indices — Dow Jones, S&P 500, and NASDAQ — including their components and what they represent. See the differences at a glance and learn how to invest using ETFs like VOO and QQQ. Want to stay on top of the U.S. stock market? This guide is a must-read｜Lazy to Be Rich

Dollar-Cost Averaging vs. Lump-Sum Investing: Which Has a Higher Win Rate? A Practical Breakdown of "Just Keep Buying"

Podcast節目
September 12, 2024

Historical returns favor lump-sum investing, but why do most people choose dollar-cost averaging? We use data and insights from “Just Keep Buying” to thoroughly compare the pros, cons, and best use cases for both approaches. Tune in to find the most efficient investment method for you｜Lazy to Be Rich

"Just Keep Buying" Review: Data Proves the Key to Wealth Isn''t "When to Buy" but "Keep Buying"

閱讀心得
September 7, 2024

Stop arguing about “the poor should save, the rich should invest”! “Just Keep Buying” uses data to prove that consistent investing is the shortcut to wealth. This review distills the top 3 insights from the book with actionable investment strategies. Click to learn and start your wealth-building plan | Lazy to Be Rich

Is Lump-Sum Investing Too Risky? Myth Busted: 3 Pieces of Evidence Show Why It Often Beats Dollar-Cost Averaging

財務規劃與心態
September 6, 2024

Afraid to invest all your money at once? You might be missing the best compounding opportunity. This article busts the 3 biggest myths about lump-sum investing and provides evidence-based strategies so you can invest with confidence and reach your wealth goals sooner. Learn how to overcome investment fear and take financial action now｜Lazy to Be Rich

An Investment Strategy That Doesn''t Need Stop-Loss: 3 Steps to Build a Stress-Free Long-Term Portfolio

Podcast節目
September 5, 2024

Tired of constantly trading in and out of the market? Learn the core method behind “no stop-loss investing” and focus on long-term asset growth. We share concrete steps to help you build a solid investment portfolio. Listen to the full breakdown now | Lazy to Be Rich

Level Up Your Financial Decisions: Use Metacognition to Dodge 3 Major Investment Traps

Podcast節目
September 2, 2024

Financial freedom isn’t just a slogan — it’s a clear-cut planning skill. This episode shares how to use “metacognition” techniques to identify and avoid common investment psychological traps, making your financial planning more effective. Click to learn the thinking patterns of top investors | Lazy to Be Rich

Stop "Learning by Doing" with Your Money! Your Learning Instincts Could Be Draining Your Savings

Podcast節目
August 29, 2024

Warning: your most trusted learning method might be your worst investment enemy! This Podcast episode dives deep into why “trial-and-error” and “hands-on experience” can be fatal when it comes to personal finance. Listen now to learn how to break old thinking patterns and build investment logic that actually works | Lazy to Be Rich

Why Does More Discipline Lead to More Anxiety? Reflections on "Make Time Your Friend": Understanding the Compound Interest Mindset for Investing

閱讀心得
August 28, 2024

Stop ineffective time management! The most important lesson from “Make Time Your Friend” is this: manage yourself, not time. This article breaks down 3 core concepts from the book to help you develop long-term thinking and independent reasoning skills. Want to know how to make your mental growth compound like an investment? Read my practical takeaways now | Lazy to Be Rich

The Ultimate Guide to Financial Planning: Make Time Your Friend and Build a Blueprint for Financial Freedom

Podcast節目
August 26, 2024

Imagine your financial goals laid out crystal clear, with every step bringing you closer to financial freedom. This episode reveals how to turn time into your most powerful ally and craft a personalized wealth blueprint for your life. Click to listen and make your dreams a reality | Lazy to Be Rich

Read It and Forget It? How to Build a Knowledge Compound Interest System with 6 Steps from How to Take Smart Notes

閱讀心得
August 23, 2024

Feel like reading books is pointless because you forget everything? How to Take Smart Notes teaches you to turn fleeting ideas into high-value assets. This review goes beyond theory — it provides 6 actionable steps to help you build a second brain and truly achieve knowledge compound interest. Start learning now | Lazy to Be Rich

Losing Sleep Over Stock Drops? 3 Investment Tips to Overcome Loss Aversion

Podcast節目
August 21, 2024

Why does losing NT$10,000 hurt so much more than the joy of gaining NT$10,000? That is “loss aversion” psychology at work. This article dives deep into the investment blind spots driving your poor decisions and offers 3 practical tips to break free from emotional traps and build a resilient investment mindset. Tune in for episode highlights | Lazy to Be Rich

The Ultimate Financial Planning Guide: 2 Types of Money, 3 Statements & 6 Steps

財務規劃與心態
August 19, 2024

Master financial planning in one read! Our original “2 Types of Money, 3 Statements, 6 Steps” systematic approach has helped thousands of readers build their financial blueprint. Want to stop living paycheck to paycheck and achieve your financial goals? Click to learn this proven method and start taking action today | Lazy to Be Rich

QQQ ETF Complete Analysis (2024): Pros, Cons, Holdings & Fees Revealed

財務工具與金融商品
August 16, 2024

Everything you need to know about QQQ ETF! This article provides a complete analysis of the Nasdaq-100 index it tracks, top 10 holdings, expense ratio, and historical performance. An objective look at its pros and cons to help you decide if QQQ belongs in your portfolio | Lazy to Be Rich

The Geek Way Book Review: How Bezos and Musk Built Billion-Dollar Empires with 4 Core Principles

閱讀心得
August 15, 2024

Want to replicate the success of tech giants? This review of The Geek Way breaks down 4 core principles: Science, Ownership, Speed, and Openness. Learn how to apply geek thinking to your career and investments. Click now for a practical blueprint for high-efficiency innovation | Lazy to Be Rich

Who Is Wang Yong-Fu? 3 Classic Books by Presentation Master "A-Fu" to Master the Art and Courage of Public Speaking

閱讀心得
August 15, 2024

Want to improve your presentation and teaching skills but don’t know where to start? This article curates 3 must-read classics by presentation master Wang Yong-Fu (A-Fu), distilling practical insights like focusing on a core theme and understanding your audience. Read this one article to grasp A-Fu’s presentation techniques and gain confidence on stage | Lazy to Be Rich

The Investment Mindset Even Buffett Emphasizes: How to Stay Calm When the Market Drops 20%

Podcast節目
August 14, 2024

90% of investment losses come from the wrong mindset. This episode dives deep into Buffett’s investment psychology, teaching you how to make rational decisions during market panics. Listen now to learn the winning mindset of top investors, episode highlights | Lazy to Be Rich

What Is VTI? The Top Pick for U.S. Stock Beginners—One ETF to Buy the Entire American Market

財務工具與金融商品
August 14, 2024

Heard of VTI but not sure if it’s right for you? This plain-language guide walks you through VTI’s pros and cons, how to invest, and why it’s called the “lazy investor’s ultimate tool.” Learn how to start your first U.S. stock investment in 3 minutes. Master the key to investing now | Lazy to Be Rich

Is a Stock Market Crash a Disaster or an Opportunity? Master 1 Key Mindset to Buy Confidently Even During a 20% Drop

Podcast節目
August 7, 2024

History proves that market panics are the best entry points for long-term investors. This episode dives deep into why “be greedy when others are fearful” works, and provides practical financial planning tips so you can confidently invest during a crash. Listen now for episode highlights | Lazy to Be Rich

Why Do Most Startups Fail? "A Brief History of Business" Reveals the Cruel Truths of Commerce You Never Knew

閱讀心得
August 3, 2024

The business world has never been gentle. Want to know why great ideas often lead to failure? “A Brief History of Business” gives you the answer through thousands of years of history. This is more than just a book review—it’s a survival guide for entrepreneurs and professionals. Click to see through the essence of business and absorb the key takeaways | Lazy to Be Rich

2024 Retirement Planning Guide: 6 Steps to Save NT$10K/Month and Grow It Into Tens of Millions

財務工具與金融商品
August 1, 2024

Want to know how to plan for retirement? This article provides the latest 2024 step-by-step guide covering ETF selection and voluntary pension contribution strategies. Follow along — even small monthly investments can snowball into tens of millions for retirement | Lazy to Be Rich

First Step in Financial Planning: Calculate Your "Enough Number" (2024 Latest Guide)

財務規劃與心態
July 31, 2024

Stop blindly chasing wealth! This article provides a complete financial checkup framework to help you accurately assess your income and expenses and set clear goals. Learn to calculate your “financial freedom number” so every dollar serves your ideal life | Lazy to Be Rich

First Step in Financial Planning: Use 3 Statements to Find Your Money Leaks (2024 Visual Guide)

Podcast節目
July 24, 2024

Saving money every year but still living paycheck to paycheck? The problem might be in your financial statements! Learn to analyze the 3 key statements to precisely track over 90% of your money flow and find hidden expenses. Read now to build your wealth dashboard | Lazy to Be Rich

Say Goodbye to Financial Anxiety! Your First Finance Lesson Starts with Understanding 3 Personal Financial Statements

財務規劃與心態
July 23, 2024

Feeling lost about the future? Taking control of your personal finances is the first step to reclaiming your life. This article teaches you the simplest way to read a balance sheet, income statement, and cash flow statement — so you can build financial confidence starting from understanding the numbers | Lazy to Be Rich

Distracted = Inefficient? Research Reveals 47% of Mind-Wandering Time Is a Superpower! Review of "Mindwandering"

閱讀心得
July 22, 2024

Nearly half your work time is spent distracted? Don’t worry — it’s not a flaw! This review of “Mindwandering” shares 3 science-backed methods to harness your wandering thoughts and turn them into a superpower for problem-solving and sparking creativity. Learn how to turn distraction into an asset | Lazy to Be Rich

Raising the Next Buffett? Book Review of "Business Enlightenment for Children" — Installing a Wealth Mindset in Your Kids

閱讀心得
July 19, 2024

Don’t just hand out pocket money — give them a business brain that lasts a lifetime! Sharing my thoughts on Business Enlightenment for Children and the underlying logic of how the world works. Click to read and learn how to spark your child’s future competitive edge | Lazy to Be Rich

3 Key Conditions for Financial Freedom: Beyond Money — Time and Mental Freedom Too

Podcast節目
July 17, 2024

Achieving financial freedom only requires meeting 3 conditions. This episode dives deep into the specifics of financial, time, and mental freedom, and shares how to practice them through parent-child interactions. Click to learn and start your freedom plan today — catch the episode highlights now | Lazy to Be Rich

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