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: 2025/08/04 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: 【EP50】Learn our saving methods from Deng Kaiwei’s victory in the Major Leagues!!

Freedom = Ability − Desire

— This episode is sponsored by No One Yet —

🎧 More listening links at the bottom

Episode Content

Is being “paycheck-to-paycheck” (月光族, spending your entire monthly salary with nothing left over) really such a bad thing? If you could live as a carefree, worry-free paycheck-to-paycheck spender, wouldn’t that actually be pretty nice?

I recently watched a video by Hao Ge (郝哥, a well-known Taiwanese YouTube creator) that really inspired me. This episode, I want to talk with you about the joy of “slow wealth” — and a formula for financial freedom that might completely flip your worldview.

In this episode, you’ll hear:

• Redefining “paycheck-to-paycheck”: Why being a carefree, worry-free paycheck-to-paycheck spender is actually your ultimate financial goal.
• The true formula for financial freedom: Forget your savings target! True freedom is actually “ability minus desire.” When your ability exceeds your desire, you’re free.
• Chasing “slow wealth,” not “quick money”: “Slow” isn’t about speed — it’s a mindset. Finding something you love and can keep doing consistently is more important than chasing market ups and downs every day.
• Can you read your own financial statements?: Companies have three financial statements — and so do you as an individual. Understanding your cash flow, income statement, and balance sheet is how you make the most rational decisions.
• “Retirement” is available any time: Retirement isn’t an age — it’s a state of inner fulfillment. When you’re living each day well, you’re already enjoying retirement.

After listening to this episode, I hope you stop feeling anxious about your savings balance. Let’s adjust our mindset together — build up our abilities, manage our desires, and become truly free people.

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.

— Related Article Links from This Episode —

[Finance] The 3 Major Financial Statements for Personal Financial Planning: Can You Afford to Skip Any?

[Book Review] My Thoughts on Atomic Habits

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Lazy Conclusion

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