In today's world full of opportunities and challenges, achieving financial freedom has become the ultimate goal for many working professionals. Whether you're in North America, Europe, or any other high-income country, relying solely on wages can no longer support long-term financial goals amidst rising living costs and increasing economic pressure. Therefore, learning how to effectively manage personal wealth, invest wisely, and plan for retirement has become crucial.

The purpose of this book is to help you?whether you are a beginner in investing or someone with a financial foundation?start by saving $1,000 a month, gradually build a stable and diversified investment portfolio, and ultimately achieve a steady income of $5,000 per month or more. This is not a promise of getting rich quick, but a proven, systematic method for accumulating wealth over time.

Why Start with Saving $1,000 a Month?

For many, $1,000 is an approachable number?not too large to be overwhelming, yet significant enough to make a difference. It's a figure that allows us to cultivate the habit of saving and investing without putting too much strain on daily life. More importantly, this amount is highly sustainable?as your income grows, you can increase your investment each year by at least $1,000. Over time, this incremental approach will exponentially increase your wealth.

Stable Growth and Moderate Risk

The investment strategy introduced in this book does not encourage you to invest all your capital in high-risk stocks, but instead emphasizes a balance between stability and risk. Specifically, the book explains how to allocate more than half of your funds into financial instruments that offer stable growth, such as index funds, bonds, and insurance. These tools not only provide long-term, stable returns but also help you hedge against market volatility.

At the same time, we will allocate a small portion of the capital to stocks of large companies with high growth potential, such as TSMC and Nvidia. These companies are not only leaders in the technology industry but also have significant growth prospects over the next 20 years. If you are willing to take on some risk, these investments can help you achieve higher returns.

Finally, for those willing to accept higher risks, we will introduce how to allocate 10% or less of your capital into high-potential startups supported by large private equity funds. Although these investments carry greater risks, they have the potential to generate returns that are tens or even hundreds of times higher over the next 5 to 10 years.

Modern Investment Tools and Platforms

With the advancement of technology, investing is no longer a complicated process. Today, with just a smartphone app, you can access financial markets across the globe. This book introduces several modern investment platforms, such as Trade212 and Firstrade, which allow you to purchase fractional shares, making investing more accessible. These platforms are convenient, with flexible payment and withdrawal options, perfect for busy working professionals.

In addition to platform recommendations, I will also show you how to utilize automated investment advisors (Robo-Advisors) for regular investments and how to leverage technical analysis tools to optimize your investment decisions. These technological tools will help you make more informed decisions in an ever-changing market.