A lot of us (perhaps including myself) is obsessed with Net Worth. The reason why this obsession comes into play is the old traditional rule of 4% withdrawal rate. The idea is that - if you just invest in government bonds or S&P 500 without any strategy, without any knowledge, without any management, you can live off 4% forever. This ultimately results in a very large net worth figure required to retire. For example (I am rounding all the numbers here) $10M * 5% = $500K a year = $50K a month $20M * 5% = $1M a year = $100K a month One of my friends even said they wanted $100M becasue $100M * 5% = $5M a year = $500K a month The more aggressive one is with their net worth goals (and put into treasury bills or GICs), the more you need to toil away to get there. In other words, we will all be old and fragile if we need to toil away till $100M before we retire. Work is not life, and life is not work. Instead (I've said this many times), focus on the income and creative ways to get there. For example - there are many businesses that require low capital cost (e.g. accounting (haha), software, info products, digital products etc) which one can make money without using a large amount of capital Many moons ago, I used to sell yoga mat bags (lightweight, easy to ship and cheap to make $2-$4). Yoga mat bags can be sold for $20 on Amazon (as I compete against Lululemon). That's a return of 5x to 10x That means - in order to get to $10K a month with yoga mat bags, you don't need $2M*5% = $100K / year = $10K a month Instead, you would only need $25K to purchase inventory * 5x return = $125K - $25K product and shipping cost = $100K a year = $10K a month Yoga mat bag is an extreme example where the profitability is very high. So in the investing world - if you have an advanced strategy where you make 30%. You would need $300K * 30% = $100K / year = $10K / month In other words - you don't need $2M, you just need $300K. This reduces your suffering and toiling away by 1 - $300K / $2M = 85%

I watched the webinar and the $1000 month strategy found here. What's the downside protection when doing covered calls this way? I understand how the strategy work when the stock stays flat or goes up, but what's the next move when the stock goes down?

I had 600 shares of ASTS, cost around $40, I sold 5 covered calls at strike prices $45, and $55, 1-2 weeks ago, this week, $ASTS shoot to sky high, $81, I now understand how dangerous to sell naked.

Thank you for allowing me to join investment community.

Both gold and Bitcoin are hitting new highs — and that’s not by coincidence. There’s a message hidden inside these moves. Let’s unpack what’s happening 👇 In the 1970s, gold exploded in value because three powerful forces aligned: 1️⃣ Geopolitical tensions (wars, energy shocks) 2️⃣ A weakening U.S. dollar 3️⃣ Persistent inflation from loose money policies Fast forward to 2025 — and the world looks eerily similar. 1️⃣The U.S. dollar is losing dominance as global trade shifts and countries diversify reserves. 2️⃣Inflation is sticky — even after rate cuts, prices for essentials remain high. 3️⃣And political instability (Ukraine, the Middle East, and trade wars) continues to shake confidence in fiat systems. So where does the “smart money” go when trust fades? 👉 Into scarce assets — ones that can’t be printed or seized easily. That’s why central banks are quietly loading up on gold, while a new generation of investors is turning to Bitcoin — the “digital gold” of this cycle. Bitcoin is already showing strength above $120K, even as liquidity indicators remain mixed. This suggests deeper macro forces are at work — not just short-term speculation. In the 1970s, gold exploded in value because three powerful forces aligned: 💳So What Should Investors Do Now? ✅ 1. Keep exposure to Bitcoin – The macro setup is long-term bullish. Don’t chase short spikes; build positions gradually. ✅ 2. Study the rotation – Altcoins with real utility and adoption could outperform once Bitcoin stabilizes. ✅ 3. Watch gold’s chart – If gold breaks cleanly higher again, it confirms the same “hard-asset” demand that benefits crypto. ✅ 4. Manage your risk – Diversify, scale in, and always protect capital first. ✅ 5. Stay informed – Cryptolearn's Timing System are showing that we’re entering an important phase. 🌊 We’re living through a global reset of value — away from debt and paper promises, toward assets that hold real scarcity and independence. Disclaimer: this is not an investment adviser or a broker-dealer and it provides neither investment or financial advice nor securities trading services.