Achieving financial freedom is actually quite easy

StrawberryIce · 2026-03-29T13:12:03+00:00

Many people complain that doing business is difficult, but financial freedom is not hard to achieve. By investing long-term in quality bank stocks with a dividend yield close to 6%, you can attain financial freedom. Although bank performance growth has stalled, as the interest spread recovers, banks' growth potential will reemerge. Ordinary salaried workers only need to improve their skills, control their spending, and continuously buy bank stocks to make their capital work for them and achieve financial freedom.

StrawberryIce

2026-03-29 13:12:03

Abstract generation in progress

Lots of people are complaining now that it’s hard to do business. All year long, they stay busy and hectic, but they can’t make more than a few bucks. [Taoguba]

In fact, financial freedom isn’t that difficult. Given that bank stocks are severely undervalued by the market right now, it lowers the bar for financial freedom.

If you invest in high-quality bank stocks for the long term, with a dividend yield close to 6%, and in addition to the gains from winning new share subscriptions, the annualized return is 6 to 7 percentage points,

If your annual spending is 60,000, then 1,000,000 can buy you financial freedom.

If your annual spending is 100,000, then 1,500,000 can buy you financial freedom.

If your annual spending is 200,000, then 3,000,000 can buy you financial freedom.

If your annual spending is 500,000, then 7,500,000 can buy you financial freedom.

If your annual spending is 1,000,000, then 15,000,000 can buy you financial fr

This is still without considering growth in bank performance and growth in dividends.

Because bank dividends account for only 30% of profits, with the remaining 70% rolling into the bank’s capital base. The bank’s net assets and capital base increase year after year.

In recent years, growth in bank performance has stalled. This doesn’t mean that banks have no growth potential.

The net interest margin has declined significantly, while performance has remained unchanged and has not fallen. The reason is that growth in principal offsets the decline in the net interest margin.

But the net interest margin can’t keep declining infinitely. Now, banks are like a spring compressed to the limit.

As the net interest margin stabilizes and rebounds, banks’ growth potential will break out.

Ordinary salaried workers can also achieve financial freedom—as long as you work hard, improve your ability to earn money, control your desire to spend,

Save the money, and stick to continuously buying bank stocks over the long term without stopping. Then you can achieve financial freedom.

Many people understand making money and earning money as the same thing. In fact, making money and earning money are two completely different concepts.

Making money relies on fighting with your hands; earning money is about making money with money—having your capital work for you.

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