When Money Begins to Speak

  The process of accumulating wealth in a capitalist society often resembles driving on an endless highway. When you reach 100 million won, you see 500 million won; once you hold 500 million won, you envy those with a billion. It feels as though a larger number will bring peace of mind, but in reality, endless greed and newfound anxieties about the future often take its place. Steering toward my milestone of early retirement in February 2031, I constantly asked myself to avoid falling into this numbers trap: "How much is truly enough? Is it the money itself that I desire, or the landscape of life that the money can provide?" The answer I reached was clear. To me, investing is not a tool driven by endless greed to continuously multiply cash. While accumulating wealth up to a certain point is vital, there comes a time when shifting the focus to "how to spend it wisely" becomes the true essence of financial freedom. The Peace of Mind from S&P 500 and Nasdaq 100, ...

 "Aren't you worried about having such a high exposure to stocks when your retirement is just around the corner?" As the milestone of my early retirement—a target I have set for February 2031—approaches in just a few years, people around me have begun to look on with increasing concern. They wonder how I can leave the vast majority of my wealth in the stock market, tied to volatile indexes, with my working days drawing to a close. They ask what I would do if a sudden market crash hits right as I transition. Yet, instead of letting their anxiety sway me, I quietly smile and look back at the framework of my portfolio. The S&P 500 stands firmly at the center of my investments. It is the unshakeable backbone supporting my entire journey toward retirement. "Others only see the stocks, but I see the roles of my accounts." To others, my portfolio might look like nothing more than a risky pile of equities that could plummet at any moment. However, the true reason I ...

Hello. There is a question that plagues almost every professional who starts investing in US index funds: "I want to invest monthly, but on which exact day of the month should I buy to get the absolute lowest price?" "If I buy right on my payday, is the market going to be at an monthly high? Should I wait a few days for a dip?" Many investors find themselves constantly staring at their brokerage apps, trying to time a recurring fractional purchase. On my monthly payday, the money entering my account vanishes almost instantly. The moment my paycheck hits, I execute what I call a "mindless monthly buy" of the S&P 500 and NASDAQ 100. Today, I want to share the practical reason behind this routine, along with a truth about compounding that is far more powerful than any short-term timing hack. The Fact from Backtesting: "Just Buy Anytime" Let’s get straight to the point. Numerous financial institutions and asset managers have run extensive backte...