It’s been a while since I last wrote about passive income. After riding the investment golden wave of 2022, Coco changed lanes and started this stock market life. Without further ado, let’s get straight to the point.

很久沒寫被動收入的文章了，主要歷經了2022年的投資黃金後，可可轉換了跑道，開啟了股市人生，話不多說，進入正題。

This is my latest balance sheet. Total assets stand at NT$1,650,828, with the lion’s share sitting in securities at NT$1,247,711.

My cash is split into two pockets: TWD Savings at NT$215,330, and Foreign Currency Savings at NT$187,787. Unknowingly, after four years of investing, Coco has officially joined the Millionaire Club!

這是最新的資產負債表，裡面中佔比最大的是證劵NT$1,247,711，現金的話分兩部分台幣是NT$215,330，外幣的話是NT$187,787，總資產共NT$1,650,828，不知不覺在四年投資下，可可也加入百萬俱樂部了。

However, looking at the liabilities on the right, I owe NT$61,016 on my credit card. This is exactly why Coco is always broke: “Good at making money, but even better at spending it."

The real kicker is that all my money goes into invisible things. If you ask Coco what I actually bought, honestly, I have no clue.

不過，右側的負債，欠了NT$61,016信用卡，這也是可可很窮的原因，「賺錢有一套、花錢更有一套」。重點，都花錢到看不到的地方，你問可可買了些什麼，其實我也不知道。

Fortunately, Coco learned a lesson early on from being absolutely crushed by the revolving interest of the George & Mary Cash Card back in the day.

Now, I make sure to pay my credit card bill in full every single month. I will absolutely never touch revolving interest again!

慶幸的是，可可很早就吃過喬治&瑪莉現金卡的循環利息的摧殘。每月可可一定全額繳清，絕對不用到循環利息！

My asset pie chart can be summed up in one phrase: the “All-in Style."

可可的資產圓餅圖，簡單來說就是「歐印（All in）流派」：

Securities (Stocks / Options / Sub-brokerage): 75.58% (A whopping NT$1,247,711!). Currently, I’m buying Yuanta Taiwan 50 (0050) and VT (Vanguard Total World Stock ETF) via sub-brokerage.

證券（股票/期權/複委託）：75.58%（高達 NT$ 1,247,711！），目前是買0050及複委託的VT

TWD Savings: 13.04% (NT$215,330), with my monthly day-job salary being the main source.

台幣存款：13.04%（NT$ 215,330），月薪是主要收入來源。

Foreign Currency Savings: 11.38% (NT$187,787). This came from my old live-streaming days, and I also toss a bit of my annual year-end bonus in here.

外幣存款：11.38%（NT$ 187,787），以前玩直播賺的，每年年終獎金也會存一些。

That’s right! Coco has thrown nearly 76% of my net worth straight into the stock market.

Because of this, for the past 4 years, my mood every single day when the market opens has been as wildly terrifying as riding a Free Fall Drop Tower.

沒錯！可可將近 76% 的身家通通丟進了股市裡。因此，這4年每天開盤可可的心情就像大怒神一樣刺激。

My income over the past few days looks something like this:

近期的網銀明細，這幾天的收入大概是這樣：

The Resigned Office Worker: A few days ago, my account received some travel expense reimbursements and bank transfers (NT$1,521 and NT$1,761). It’s the classic case of exchanging sweat and labor for money.

These travel expenses were actually from January and February. I haven’t even applied for anything after March yet… my procrastination is a terrible habit that I really need to fix.

認命的上班族：前幾天帳戶裡多了幾筆差旅費和轉帳（NT$ 1,521、NT$ 1,761），標準的用勞力換薪水，每一塊錢都帶著汗水。差旅費是1、2月份的支出，3月份以後還沒申請，拖延症是該檢討的壞習慣。

August 10th “Dividend Payout: NT$5,653″: Yes! It’s the dividend payout from Yuanta Taiwan 50 (0050)!

This is the legendary passive income—making five grand while just lying down!

8月10日「委入帳配息：NT$ 5,653」！沒錯，是元大台灣50(0050) 發的配息！這就是傳說中的被動收入，躺著就有五千元！

Writing this article is actually a review of my four-year investment journey. There have been some bumps along the way, but thankfully, I’ve made a profit every year.

If there is one thing I really need to self-reflect on, it would be: “Just lie down, relax, and don’t overthink." That’s all. END.

寫這篇文章，其實是對這四年的投資做一個檢討，過程中有些跌跌撞撞，慶幸的是每年都有獲利。如果真有什麼要自我檢討的，那就是「好好地躺著耍廢，不要亂動亂想。」以上END。