summary: The “Lazy to Be Rich” podcast covers topics including financial planning, money tools, reading notes, and career & life — everything about your relationship with money. If you want a deeper understanding of the essence of financial planning, feel free to subscribe, follow, share, and share your thoughts so more people can plan their finances and find their own path to happiness. authors: Lazy Da date: 2025/08/11 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: false slug: 【EP51】My method of saving money is very rough, but super effective!

Hey, updates have been coming along pretty smoothly lately, right? Even I’m surprised — looks like I’ve found my recording rhythm.

First, a quick life update: I recently took my family camping near Sun Moon Lake (日月潭). The campsite had no sandbox or slides, and we ended up not needing any of it. And we left our stuff outside overnight — not a single thing got stolen. It really hits you that the most beautiful scenery in Taiwan is the people.

That got me thinking about something I ran into at work called “Vibe Code.” AI is getting closer and closer to our everyday lives. Honestly, I think this is the beginning of an M-shaped society (社會財富兩極化 — wealth polarization) — not just in work, but in personal finance too. The strong get stronger, and the weak… well, you know.

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 fundamentals of financial planning and identify your own financial DNA. If you haven’t followed yet, please do. If you enjoy the content, drop a 5-star glowing review in the comments, and don’t forget to share with your friends. Let’s use our different financial DNAs to build the same kind of free life.”

— This episode is brought to you by: Nobody Yet —

🎧 More listening links at the bottom

What’s in This Episode

I’m a lazy person when it comes to money — and the reason is simple. I don’t want to get rich overnight, because the higher the expectations, the bigger the disappointment. The most fundamental principle of personal finance is this: put money in and let it grow slowly within a range you can handle. That’s all there is to it.

A listener sent me a DM asking: “Lazy Da, how exactly do I save money?” This episode answers that directly:

• You’re not “spending money” — you’re “buying assets”: Once you truly understand this, you’ve graduated. If what you buy gives no return, it’s consumption. If it does, it’s investment.
• My savings method is even more brutal: The moment my paycheck hits, I set up a regular fixed-amount investment (dollar-cost averaging, 定期定額) to pull that first — credit card bills? Those wait in line. That’s where discipline comes from.
• Why ETFs work for lazy people: Human nature is our worst enemy — we hold on through dips and hesitate to sell when things go up. ETFs go up over the long run, so you just keep buying in and mindlessly hold. That’s the whole strategy.

That’s basically it. And hey, if you have questions — same as always — drop them in the comments or DM me. I’ll reply when I see them. The more you ask, the more I have to talk about, right? Please, please — leave a 5-star review. Thanks!

— Related articles from the show —

[Savings] How to Learn to Spend Instead of Save — and Still End Up Saving Money

[Finance] Learn from Deng Kaiwei! Your Financial Planning Is an Infinite Game from the Bullpen to the Major Leagues

Lazy to Be Rich website 🌍https://lazytoberich.com.tw

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Lazy Da’s Conclusion

懶大

金融科技新創 CEO | 獨立財務顧問

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