It’s harder to stay rich than it is to get richer

coffeeholic 2025년 06월 10일

2,090

When I listen to successful entrepreneurs, there's an interesting commonality: "It's much harder to keep money than it is to make it." I didn't understand what they meant at first, until I saw what happened to an acquaintance of mine a few years ago.

He was doing well in his business and had accumulated quite a bit of wealth, but a sudden medical expense coupled with business risks quickly put him in a difficult situation. He wasn't properly insured, and most of his assets were in illiquid real estate, which made it impossible for him to raise money in a hurry.

That's when I realized that a "protection strategy" is just as important as growing assets, and that I needed to have a systematic protection plan for a variety of risk situations, not just rely on savings and deposits.

Prompt.

복사

### Specializes in designing personal asset protection strategies

Asset Status:

- Total assets: [total amount of assets you currently own].

- Asset composition: [Percentage of deposits/stocks/real estate/other]

- Income level: [Structure of monthly income and expenses]

- Dependents: [family members and their responsibilities].

Developing a comprehensive protection plan:

◈ Analyze risk scenarios

- Plan for income interruption due to illness/accident

- Strategies to hedge against asset value declines in the event of an economic downturn

- Plan for legal disputes or liability

- Protect against declining purchasing power due to inflation

Build a multi-layered defense system

- Secure an emergency fund that can be cashed in immediately (6-12 months of living expenses)

- Optimize your insurance portfolio (life/health/property/liability)

- Risk diversification strategy through asset diversification

- Tax saving and preservation plan for inheritance/gift

Regular inspection and adjustment system

- Updating protection strategies according to life cycle changes

- Portfolio rebalancing in response to changes in the market environment

- Revising strategies to reflect changes in legislation/taxation

Please include action priorities and estimated costs for each step.

It's been a year since I created my wealth protection plan, and this systematic approach has given me a tremendous sense of peace of mind. Most importantly, I've been able to be more proactive with my investments because I'm no longer worried about the 'what ifs'.

For example, having an emergency fund set aside has allowed me to maintain my long-term investments without being swayed by short-term volatility, and proper insurance design has allowed me to create an efficient structure that allows me to pass on the bigger risks to my insurer and take on the smaller ones myself.

The diversification strategy of spreading my assets across multiple baskets has been particularly effective, and I feel much more relaxed psychologically knowing that if I lose money in one area, I have a cushion in another.

For those of you who are focused solely on wealth accumulation, why not look at it from a "protection" perspective? I think true wealth is when you balance your ability to earn with your ability to protect.

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