Materially, even if I end up not achieving much, at least I know that I will have no regrets.

Photo by Marc-Olivier Jodoin on Unsplash

I was twenty-one. I was at that age that I thought I was still darn young and have all the time in the world to postpone plans and stay in my comfort zone day after day…until years flew by and I am now reaching my thirties.

  1. I regret not starting a business as I have always dreamt of

This isn’t to be successful at a young age. This is about learning to take risks when time is still well on…


Thus you should probably rethink using it as an indicator when to start investing.

Photo by Austin Laser on Unsplash

In the first place, stocks, in general, are never an accurate indicator of the overall economic health of a country or even the entire world. This fact cannot be any more applicable to the current situation. While news of more unemployment and bankruptcies, as well as other negative news on the economy, continue to flood our online feed, the S&P 500 index continues to inch up as if the economy is recovering fine.

While the stock market prices tend to be forward-looking, many of us, however, know that things aren’t going to be that bright in the near future, at…


#1 You didn’t panic and sold off stocks that you wouldn’t sell if the crash did not happen

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For anyone following the stock market for the past two months, you are probably familiar with the unprecedented market crash and the rally that came after — all within a short span of two and a half months. After a wild dive of 34% from its highest in mid-February, the market rallied by 26% from its lows as of last Friday. However, going forward, nobody knows exactly how the stock market will behave in the next few months.

Some are optimistic. They believe that we are already in the midst of a V-shape recovery. They think that the seemingly falling…


#2 Cheap doesn’t mean it’s a good buy.

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If you are someone who follows the financial market news recently, you probably heard about the collapse of crude oil prices earlier this week. On 20th April 2020, the price of a barrel of oil plunged below zero dollars for the first time in history. The reasons are simple — an oversupply and a complete lack of demand for oil plus a lack of storage to store the extra barrels of oil imply that oil is effectively worthless now.

As oil prices are dirt cheap right now, it seems like this is an excellent opportunity to invest in oil. An…


It all goes back to USD being the global reserve currency as well as the concept of demand and supply.

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The US Congress just passed its 4th stimulus package of $484 billion. This $484 billion legislation comes on top of the $2 trillion package that was passed last month. The Trump administration and the lawmakers are also in preparation for rolling in more rounds of stimulus, all in hopes to support its people and the US economy.

Looks like the US government is going to keep pumping in money into the economy to salvage it as much as they can. Thus, it is not surprising to hear people believing that the US dollar is going lower from here.

However, I…


Photo by Damir Spanic on Unsplash

Is it changing yours for the better?

The first week of working from home has ended. There are still three more weeks left to the end of lockdown (hopefully, it doesn’t get extended).

Many cannot wait for this lockdown to end.

For me, working from home sounds like a good deal at the start since I do not have to wake up earlier to travel to my workplace. But after a week, I start to realize that it is blurring my boundaries.

One, no matter how late I work each day, the moment I leave the office, it means that work is over for that day —…


Reasons why I am skeptical about the recent rebound in the market

Photo by Chris Li on Unsplash

After the S&P 500 plunges by about 34% from it’s highest, it has since rebounded rapidly during the last week by at least 19%.

It is the most furious correction in history.

The rebound comes after optimistic news of COVID-19 infection curves plateauing in the US. On top of that, the Federal Reserve announced a new program to pump $2.3 trillion in liquidity to the economy and financial markets.

Is it that the worst is finally behind us? Or it is that this is just a sucker’s rally — the worst is yet to come?

What’s a Sucker’s Rally?

It refers to a sudden…


Not everything is as grimly as you think. This is your life’s opportunity for great things to happen. It’s your choice to make.

Photo by Vladislav Babienko on Unsplash

Due to the impact of COVID-19 pandemic, it is probably you have seen for the FIRST time:

  • Mandatory closure of schools for at least a month
  • Mandatory closure of workplaces for at least a month, apart from essential industries like healthcare and certain banking sectors.
  • Widespread closure of malls, sports & recreational facilities, places of attraction, etc.
  • Cancellation/postponement of major sports and entertainment events
  • The steepest fall in the stock market in history
  • The sharpest increase in unemployment within a month
  • Governments across the globe are tapping on reserves to pump vast sums of capital into the economy to support…


#8. It’s really fine that you’re not okay now.

Photo by Priscilla Du Preez on Unsplash

With the worsening COVID-19 situation around the world now, there are more and more of us being mandated to isolate ourselves at home. For a typical human being, this pretty much sucks already. Much less to say, our fellow friends with anxiety.

If you have family members or friends with anxiety, here are some real simple words you can tell him/her to reassure them.

1. I’m here for you

This is one of the simplest ways you can comfort a friend. Most of the time, they don’t need anyone to help them solve their problems. They just need someone to be there, to feel that…


Sometimes the more we tell ourselves that we need to treat or manage our mental illness, the more things get backfired.

Photo by Joshua Earle on Unsplash

Usually, there are three groups of people around us when it comes to knowing that you have a mental illness:

  1. The ones who stigmatize against you.
  2. The ones who love you but do not know how to deal with it, so sometimes they may suggest some things that are not very sensitive or pleasant.
  3. The ones who love you and are willing to walk through the struggle with you.

Let’s be honest. How many of us have people in the 3rd group? Most of us choose to live with our mental illness alone because we know that being alone is…

Jo. Young

I write mostly on personal growth, mental health and finance/money/economy. jo.young.medium@gmail.com

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