Many T15 high earners still experience anxiety as they approach retirement, and some even face financial strain despite their substantial income. The core issue is often not how much they earn, but
《高薪族为何仍难安心退休？——T15常见的六大财务规划陷阱》 Read More »
为什么仍有不少T15高薪族在临近退休时感到焦虑，甚至面临财务紧张？
关键问题并不是“赚得不够多”，而是
Why a Seven-Figure Salary Still Isn’t Enough to Retire Comfortably? Read More »
In many people’s minds, earning a seven-figure annual salary is almost synonymous with financial freedom. Yet reality often proves otherwise. A high income, by itself, does not guarantee a worry-free retirement.
《年薪一百万，为什么依然无法安心退休？》 Read More »
在多数人的想象中，年薪一百万，几乎等同于“财务自由的入场券”。但现实往往更残酷。收入高，并不等于退休无忧。
Why Do People in Their Thirties Feel More Anxious as Their Income Increases? Read More »
For many working adults, a monthly income of 20k represents a major milestone, a level that often takes years of effort to reach. Logically, it should bring a sense of security. Yet in reality, many people who achieve this income feel more anxious than ever.
Working for Over 10 Years but Still Struggling to Save? Read More »
Years of hard work did not bring him security. Instead, it brought anxiety and helplessness. What exactly causes someone to work so hard yet still fail to save money?
《工作十余年，却还是存不到钱？一个真实案例带来的提醒》 Read More »
离乡背井工作了十余年，却在被裁员后发现：自己的资产竟然还不到马币一百千。多年努力换来的不是安全感，反而是焦虑和无力。到底是什么原因，让人辛苦工作，却依然存不到钱？
Crossover Point 这个概念，最早由《Your Money or Your Life》提出：
当你的投资被动收入 ≥ 生活开销时，你就达到了财务自由的交叉点。
换句话说，不是靠不断消耗本金，而是用投资回报去覆盖日常支出
What If the 4% Rule Isn’t Enough? — A New Perspective with the Crossover Point Read More »
People today are living much longer, and retirement can easily stretch beyond 30 years. If you live to 90 or even 100, the 4% Rule may no longer feel safe. So, what should you do?
