"To retire, one must create a system where capital cash flow exceeds consumption, but before that, asset appreciation must come first. That is why leverage investing is necessary." Lao, who gained popularity by creating and sharing his own investment formula centered on 3x leveraged ETFs tracking U.S. indices, said, "We must consider how much of our time assets remain left," adding this point.
Lao, author of 'Infinite Buying Method for U.S. Stocks' and 'U.S. Stock Value Rebalancing', shared personal experiences at Money Today's '2026 The Lifestyle X Single Fire Money Show' held on the 4th at COEX, Gangnam-gu, Seoul. He spoke about his journey from starting investments to achieving financial freedom and retiring early as a dentist, as well as investment and life after retirement, offering insights into how ordinary investors can achieve success.
Lao stated, "I lived in poverty for 15 years, was average for six years, and began having financial surplus for another six years before achieving economic freedom." He added, "I reached a turning point when I settled on investing in 3x leveraged ETFs in U.S. stocks in 2020." Known for his investment method of adjusting the proportion of cash alongside 3x leveraged ETFs such as SOXL (Direxion Daily Semiconductor Bull 3X Shares) and TQQQ (ProShares UltraPro QQQ), Lao emphasized the necessity of leverage investing.
He said, "The period during a person's life cycle where income exceeds consumption is the golden time for asset appreciation," and added, "Missing this period means missing the opportunity for asset growth." He further noted that one should actively engage in high-risk investments during this period, concluding that "the answer lies in investing in U.S. index leveraged ETFs."
Lao explained, "Since 2023, I have focused on short-term investments in SOXL and long-term investments in TQQQ." He noted, "The infinite buying method of lowering the average cost through split purchases is suitable for short-term investing but risks missing out on bull markets. Therefore, I developed the concept of value rebalancing, which adjusts TQQQ volatility while relying on NASDAQ's growth potential." He added that he advises doing both short-term infinite buying and long-term value rebalancing simultaneously.
He announced that after achieving asset appreciation and reaching economic freedom, he plans to invest based on three principles: First, always set aside living expenses for about two years; second, operate short-term investments using simple interest or repeated interest rather than compound interest; third, withdraw gradually from long-term investments. These are the three principles of retirement leverage investing.
He also emphasized that time after retirement requires experience and practice. "Life opens up in ways you never imagined after retirement," he said, advising people to actively grow their assets during the golden time and earn time assets as early as possible, even by one year.
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