No money when you have money? The liquidity trap!

혜린이모드 2025년 06월 09일

2394

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- Have assets that can be withdrawn immediately for 6 months of living expenses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