No money when you have money? The liquidity trap!

혜린이모드 2025년 06월 09일

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Have you ever had that panicky moment when you realize you have money in your bank account, but then an emergency comes up and you're like, "Huh? I don't have any money to spend?" I used to think that assets = wealth, and I thought I was financially secure because I had a mix of savings, stocks, funds, and even real estate.

But last year, when I had an unexpected medical expense, I got a shocking reality check: I had plenty of assets on paper, but I didn't have as much cash on hand as I thought I did: my CDs were losing interest when I closed them, my stocks were losing money due to bad timing, and my funds were taking days to redeem.

That's when I started to seriously study the concept of "liquidity" of assets.

Prompt.

복사

### Analyze the liquidity of your personal assets

**Current holdings**.

- Deposits: [amount of each type of deposit I have].

- Investments: [Status of my stocks/funds/bonds].

- Physical: [real estate/precious metals, etc.]

**Analysis Request

A. Liquidity Classification

Categorize each asset into immediate/short/medium/long term cashability

B. Risk assessment

Calculate the expected loss rate when cashing out by market conditions

C. Propose optimal allocation

- Have assets that can be withdrawn immediately for 6 months of living expenses

- Liquidity ratio for [my age group/income level

- Balance emergency vs. investment funds

**Provide a concrete, step-by-step action plan for rebalancing your portfolio.

Through this systematic analysis, I realized that I had been so focused on "yield" that I had completely overlooked "accessibility." The analysis revealed that 80% of my assets were in medium- to long-term liquid assets.

After implementing immediate actionable improvements, six months later, with the same asset size, I have a completely different sense of peace of mind: I don't have to worry about "how do I get money for an emergency?" and I can focus more on long-term investments.

If you're managing your money, I encourage you to think about "can I take it out at any time?" as much as you do about returns. I think real wealth comes from freedom, not numbers.

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