50萬訂閱Q&A

Hello everyone, I'm Terry. Thank you for subscribing to my channel. It's not easy to reach 500k subscribers on my channel. I've been through a lot with you guys. I hope you guys can continue to make money in your job. I hope you guys can live your own life. I just finished my work.

I can talk to you guys in the comments. I also asked you guys on IG if you have any questions for the 500k subscriber Q&A. First question. Our Derick, D-Da. D-Da asked when will you come to LA to find me and do my podcast. Thank you for the invitation. I've always wanted to join D-Da's "Progressive 10%" podcast. When you opened that channel, I moved to Japan from Seattle.

So I didn't catch up with the timing. I will go back to Seattle this year. If I have time, I will go to LA and D-Day to film. I don't know how many Tesla will be in the video. I think Tesla's price is around $300. When I was recording this video, it was around $350-$360. I think if it drops below $300, I will continue to add more. To be honest, the stock price of Tesla is very high.

I don't think I bought too much. Even if it rises to $1,000 next year, I don't think I bought too much. So if it drops to less than $300, I will continue to add more. AI is growing very fast in SDE. You said before that AI will not replace this industry. Have you changed your mind? Any suggestions for NG volunteers? If I have to answer this question, I can only talk for half an hour. To sum up my thoughts,

I still think AI will not replace this industry. It will replace the way this industry works. Because we all know that the most bottom-level people writing code are actually AI. Like I'm not writing code myself. It's all written by AI. Then I go supervise. I go change the code. Or I ask AI to rewrite it. In the past, because there was no AI, these things needed engineers to write by themselves. Now it's the part of writing code that AI does.

But many people don't know that the software engineer industry, this profession, actually a large part of the work is not writing code. You need to know how to debug, how to understand the needs, how to understand the operation method behind the whole system, how to communicate with the product, how to be creative, and how to communicate with customers.

AI can't replace these things. The reason why engineers exist is because they always need people to decide what to do and what not. AI can only make these things more efficient. That's why

Big Tech wants to find experienced engineers. Because usually, experienced engineers know how to use AI to make their work efficiency very high. For example, a project's life cycle, a team lead may need to bring three engineers, five interns, and it may take three months to complete a relatively large project.

Now, the team lead can only take one or two senior engineers and they can complete the project within a month. Because writing code is a relatively low-level job, it's really fast to use AI. You don't need those interns, you don't need those junior engineers. You have to mentor them. So my suggestion is that you need to know how to use AI more than those senior engineers. Your advantage is that you can immediately learn a new AI tool. Because the speed of new AI tools is very fast. If your foundation is good,

and you know how to use AI, and you can quickly understand how the system works, then you will be able to do well in the workplace. Besides AI, you also need to have a very solid foundation. Because when you are supervising AI, you need to know what you are doing, and you need to know what AI is doing.

And it's not as easy as you think. You just need to write a prompt and copy paste it. And you're good to go. Another important thing is that you need to show that you can ramp up quickly and make a contribution in the team. Terry doesn't seem to have a relationship. Is it a type of person who lives happily by himself? Like a person who can be a good friend. Actually, I once...

I really like to be with someone. That simple and pure love. At that time, you can't see anyone in your eyes. You really like that person. You want to be with him all the time. But later, I experienced some not so good feelings. During those processes, I felt that my mind was severely damaged. I felt very tired.

And working at a foreign company is also very tiring. So these past few years, I haven't been too serious about having a good relationship. I think for me, entering a new relationship is quite...

But

Actually, it's okay to be alone.

Which country will I retire from? First of all, I think I will definitely base in Taiwan after I retire. Because after all, my family is there and I have a lot of friends there. In addition to Taiwan, I think I will want to live in one or two different places for a year to experience life there. But those two places may not be more than three months. It's a short-term stay. The next plan is to visit different places.

I really like to see what I like. For example, I like Tokyo. Now Palantir's stock has gone up a lot. I bought three of them with Terry a long time ago. Will I continue to buy at this moment? Thank you.

I haven't been to a grocery store for a long time. I think I went to a grocery store last time when I was 20 or 30. I don't remember. It was the last time I went to a grocery store. I don't know how much I paid for the grocery store. I don't usually check it. I have many stock accounts. So I don't really count the price of the grocery store. But I think I paid at least

Welcome to my party We're just getting started A life is a dream or a nightmare Scarring Hand me a drink cause I think

Okay

35 years old, playing GAMI, lucky enough to earn $2.5 million. How can I rely on this money in Taiwan to safely retire and live a retired life? I think this is a very good question. This is also a question that I sometimes think about.

Of course, this question is actually missing a piece of information. That is, how much do you usually spend at this stage? If you just want to live a comfortable life in Taiwan, maybe a middle-class life, and you won't buy a brand bag, you won't buy any sports car. Then, to be honest, 2.5 million dollars is definitely enough for you to lie flat for the rest of your life. Let's just do a simple calculation.

$2.5 million is about $75 million. For $75 million, you can use a simple investment budget of 8% per year. Your annualized return is 8%. You use the 4% as your spending. This is a very standard 4% withdrawal rule. The 4% of $75 million is about $3 million per year.

That is to say, 3 million NTD divided by 12 months, your monthly living expenses is about 250,000 NTD. If we calculate the inflation rate, it's 3%. The purpose of this inflation rate is to increase your annual expenses by 3%. We can use a simple FIRE calculator to calculate. Suppose you live to 90 years old. Then we assume that you die with zero. That is, when you die, your savings are zero. You don't leave any money to your descendants.

250 million US dollars can make you live to 90 years old and die with zero. Of course, this is still a conservative estimate. If you spend less money every year, or if you have more than 8% of your investment, 9% or even 10%, or if you die earlier, the probability is that you can still leave a large amount of property to your descendants after you die.

Actually, if you just slightly adjust these numbers, this green asset curve may never decrease. Especially if your annual return rate slightly increases by 1-2%, it will be difficult for you to spend this money.

So if you have a $2.5 million Taiwan dollar, you have to stay in Taiwan to work, to lie flat, and then be 35 years old. One person is very, very enough. I believe even if you have a family, it's actually enough. As long as you don't waste money. If you have to resign, will you confess to your female colleagues? I don't think you can only confess to your female colleagues, you can also confess to your female boss. There may be unexpected results. Will the American boss allow office dating?

Usually, I say usually, in fact, most companies don't really care. Unless you really write it on your HR book, say that you are determined not to let employees have office training. Generally speaking, they don't really care. As long as you don't do something strange in the public space, in the public space, in the company environment.

I'm in Grade 2 and I'm in line with all the requirements for Canada. Recently, I was recommended to study CS in Canada and then immigrate. Studying CS is not bad. And if you are in line with these requirements, why not? Although we have AI now, there are many AI tools to use, but I don't think it will have any conflict with studying CS.

The ultimate goal of studying CS is not to compare with AI, who writes code faster and who writes code more powerful. You can't beat AI. So now studying CS is to play this basis. You still need to have this computer science basis. You will know how to educate AI. You will know how to use AI to make you work to the maximum efficiency.

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So if you only need NT$80 per month, you can protect your privacy and safety by drinking a cup of Soyao-in. I will put the link in the description box below. If you need it, please don't miss it. How did the original wealth of the first bucket of gold accumulate? My first bucket of gold was mainly based on my main business. Although I invested in real estate and made money, if I didn't have a main business, I wouldn't have the opportunity to invest in real estate and I wouldn't have the chance to pay the loan.

And if I didn't have this initiative income at that time, I couldn't go to supermarkets to buy high-quality products when the market price was low. So I think initiative income is the biggest source of my accumulated low-cost money. Everyone should have heard of the effect of rolling snowballs.

If you didn't have a solid snow ball in the beginning, you wouldn't have any snow. How would you roll? You can't roll anything out. So you have to have an initiative income to save your life's money.

可以給一個年輕人轉職之功的建議嗎? 那我覺得現在要給一個建議,我覺得就是快。 我覺得你需要有的一個特質就是你可以 ramp up 很快。 因為現在所有事情都是講求的就是效率。 不管是學習新的工具,學習新的知識,或是去接受新的一些概念。 就以往那種慢慢去打磨,

my thinking has actually passed the test. Because we have AI now, everything is very fast. So what you need to think about is efficiency. How can you do the best in the shortest time with limited resources? You must often hear people say

效率跟quality 就是你的efficiency 跟你的quality 可能是 因為像是一個悄悄版 就是你如果有講求效率 你就不會有這個quality 你的code可能就比較差 或是你的寫出來 或是你做出來的產品 就會比較差

If you really want to be fast, you will need to sacrifice some quality parts. So what you need to do is not to sacrifice too much quality, and finish the job with the highest efficiency. You can have 20% of the time to make mistakes, but you need to be very fast when you make mistakes.

and improve myself. Don't make the same mistake again. That's it. Alright, thank you so much. You're the reason why I have this outfit today. I'll share more questions in the future. If you don't want to miss it, please subscribe to my channel. If you like my outfit, please give me a thumbs up. After all, this is the most shameful thing I've ever done.

But I think I like it a little bit. In addition, many people asked me about the brokerage for investing in US stocks. I use IB Banking Certificate for myself. I have used it for a long time. I used to use some other ones before. But I think IB is still the best and safest. The fee is basically low and can be ignored. And the most important thing is that every account has asset protection. More than $5 million And the cash in it has a 3.5% interest rate. Recommend it to everyone to try it out. I will also put the link in the information section below the video. See you next time.