【中年理財：給上有老，下有小，不敢倒下的你，重建人生的財務主導權】專訪：雨果｜2026.07.01《飛碟早餐 唐湘龍時間》

UFO Network's "UFO Breakfast: Tang Xianglong's Time" 2026.07.01 Wednesday Financial Industry Trends Unit Interview: Financial Writer | Hugo Topic: "Midlife Financial Management: For Those with Elderly Parents and Young Children, Who Can't Afford to Fall, Rebuilding Financial Control in Their Lives" Book Collection: https://reurl.cc/0mYKm9 Hugo's "Midlife Financial Management: For Those with Elderly Parents and Young Children, Who Can't Afford to Fall, Rebuilding Financial Control in Their Lives" by Tianxia Culture Actually, you're not necessarily short of money in middle age; it's just that your responsibilities are fully in place. Author Hugo, who doesn't have a rich father and is just a salaried worker, wants to tell you that he is not an exception and faces the same situation as us. So, how did he build his own financial fortress step by step? He proposes three steps for midlife financial reconstruction: Step 1: Financial Management: Taking Stock of Liabilities and Income/Expenses The author mentions that taking stock of one's financial situation is paramount. After dealing with debts and confirming income and expenses, use 6-12 months' worth of expenses as an emergency reserve. Step 2: Investing: Activating Your Asset Growth Engine Employ index investing. Target low-cost passive funds or ETFs primarily focused on global, US large-cap, or Taiwan large-cap stocks. Examples include VT, VOO, VTI, or 0050. The author suggests a more aggressive stock-bond ratio before retirement, such as 80:20. Investment strategies can combine regular fixed-amount investments with phased allocation. However, remember to rebalance the stock-bond ratio annually. Too many or too few stocks will expose you to unsuitable risks. Step 3: Withdrawals: Proactively Planning for Future Expenses The author states that our retirement income will come from three sources: labor insurance, labor retirement funds, and finally, the gap filled through investment. The book teaches us to calculate our future monthly needs with a end-to-end perspective, and to estimate how much to supplement through investment. It also tells us that we can use a dynamic 4% withdrawal method to access living expenses after retirement. Here, the author reminds us not to forget to build a safety net for market crashes or severe inflation: prepare an additional 3 years' worth of living expenses as a reserve. #FinancialManagement #Retirement #Finance #Expenses #Income #MidlifeFinancialManagement #Hugo ▶ UFO Breakfast Facebook Fan Page:   / ufobreakfast   ▶ Listen online: http://www.uforadio.com.tw