summary: The “Lazy to Be Rich” podcast covers topics including “Financial Planning,” “Financial Tools,” “Book Reviews,” and “Career & Life” — everything about the relationship you have with money. If you want a deeper understanding of the essence of financial planning, feel free to subscribe, follow, share, and share your thoughts. Let’s all plan our finances and find our happiness together. authors: Lazy Da date: 2025/07/25 image: images/blog/yyyymmdd.png categories: Podcast節目 tags: Podcast, 理財觀念, 講幹話 keywords: ETF, Podcast, Podcaster, 保險, 儲蓄, 台股, 基金, 懶得變有錢, 房地產, 投資, 投資理財, 支出, 收入, 月配息, 理財, 理財規劃, 瑪斯理財兩三事, 稅務, 總體經濟, 美股, 職涯心得, 股利收入, 複委託, 記帳, 讀書心得, 財務規劃, 財商, 貸款, 資產配置, 退休規劃, 開源節流 draft: true slug: 【EP49】The formula for financial freedom is surprisingly unrelated to money?

I’ve opened a LINE community (Taiwanese messaging app group)!

Lazy to Be Rich

🎙️ “Hi everyone! Welcome to ‘Lazy to Be Rich.’ I’m Mars — you can also call me Lazy Da. This is the channel that helps you understand the essence of financial planning and identify your own financial DNA.

If you haven’t subscribed yet, please do! If you enjoy the content, drop a 5-star rave review in the comments, and don’t forget to share it with your friends. Let’s use our different financial DNA to build the same freedom in life.

— This episode is sponsored by No One Yet —

🎧 More listening links at the bottom

Episode Content

Sorry for the long wait on EP48! Work got busy and my update frequency dropped from twice a week to once a month.

The busyness of this period also led me to pick up Atomic Habits again — and I realized that personal finance and building good habits are basically the same thing!

In this episode, you’ll hear:

• Lazy Da’s Life Update: Why my updates slowed down, the backup philosophy I learned from a painful experience, and why I prefer borrowing books from the library.
• Re-reading Atomic Habits: You probably already know the ideas in this book — but the real question is: how do you actually do them?
• The compound effect of 1% daily improvement: A year from now, you’ll thank yourself for starting today.
• Don’t just set goals — build a system: Championship teams don’t win by thinking about the trophy; they win through a daily training system.
• Make good habits so easy there’s no excuse: Put the scale next to your bed, only watch shows while you exercise — link what you want to do with what you should do!
• Start with the “minimum viable action”: Want to tidy your room? Start by putting one thing away.
• Listener Q&A (Irene): A financially conservative listener asks — with a little extra budget each month, should she “pay down the mortgage early,” “buy more savings insurance (儲蓄險, an endowment-type savings product common in Taiwan),” or “invest in ETFs”?
• The true nature of financial planning: I can’t give you a standard answer — but that’s exactly the point of financial planning. It’s not about giving answers; it’s about helping you make the decision that’s most right for you, reducing future regret.

Personal finance is a lot like sailing on the open sea.

Financial planning is your navigation system and ship’s log. It helps you set your destination (financial goals), track your voyage (income, expenses, and assets), lets you know when to speed up (increase income), when to slow down (control spending), and prepares your life raft (emergency fund).

The ultimate goal isn’t to become the biggest ship on the sea — it’s to sail toward the free harbor you long for, in the most steady and confident way possible.

— Related Article Links from This Episode —

[Book Review] My Thoughts on Atomic Habits

[Investing] Annual Return Comparison: 0050, VOO, and QQQ — If You’re Starting This Year, Which Should You Pick?

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