If you think about the game Blue Marble, it's easy to understand how the rich think.
The way to win in the game of Blue Marble is to have the most assets by the end of the game.
There are two ways to increase your assets.
As you go around the game board, you can invest in cities that you can buy with the assets you have and make a profit, or you can go around the game board once and receive a monthly salary of 200,000 won.
As anyone who has played the game knows, the winning strategy in this game is to secure the asset called land.
Even if you roll the dice well, go around the game board many times, and get a lot of salary, you can never win.
Anyway, everyone gets a 'salary' every time they turn the game board.
The key is to win by earning a lot of income other than salary, such as by buying land and collecting a lot of 'tolls'.

Trying to become rich through earned income is similar to the strategy of playing the game many times to get a large salary.
You can build wealth, but it will take longer than others.
Plus, it requires more wheels to turn.
--- p.39, from “Chapter 1: Why We Must Invest”

Investment experts consider 'not losing' to be important.
Because they completely understand.
Investing is a world of multiplication, that is, compound interest.
Berkshire Hathaway, run by Warren Buffett, has an annual compound return of approximately 20%.
However, Berkshire Hathaway's total return, disclosed at its annual shareholders' meeting in March 2022, reached a whopping 3,787,464% over approximately 60 years from 1964 to 2022.
How was this possible? It's all because of compound interest.
Even if you don't achieve 20% annual returns like legendary investors, the power of compounding is powerful.
If an ordinary office worker saves 1 million won per month for 30 years, he or she will have a total of 360 million won.
If this money were to grow at a 10% compound interest rate each year, the return would be 2 billion won over 30 years, resulting in a final balance of 2.39 billion won.
--- p.57, from “Chapter 1: Why We Must Invest”

I believe that a realistically possible and appropriate target investment return for office workers is 8-10% per year.
At an average annual growth rate of 8%, your assets can more than double every 9 years.
Surprisingly, there is a way to consistently increase these returns.
Passive investing is investing in ETFs that track market returns, specifically, U.S. indices such as the S&P 500.
--- p.93, from "Chapter 2: Making and Rolling Money Quickly and Surely! ETF Investment"

To fully enjoy this 'power of compound interest', you must continue to generate profits, big or small, and invest consistently.
If you invest all-in on one asset class and it fails, it will be difficult to continue investing for a certain period of time.
Specifically, it took 4 years and 9 months to recover the principal and turn a profit after investing in the S&P 500 right before the dot-com bubble burst in 2000.
Meanwhile, Korea's KOSPI also suffered a major crash following the 2008 global financial crisis, and it took 12 years and 7 months to recover the principal and break out of the trading range to generate profits.
This means that you may not be able to make the investment itself for a period of 4 or 12 years.
We must always pursue safe investments.
To do so, you must be able to appropriately utilize various investment assets that suit market conditions.
And there is a way to make this happen.
This is 'portfolio investment', which invests in various asset classes by distributing them most advantageously in terms of stability and profitability.
--- p.112, from "Chapter 2: Making and Rolling Money Quickly and Surely! ETF Investment"

Large institutions such as the National Pension Service of Korea, the Federal Reserve System of the United States, the California Public Employees' Pension Fund, and the Norwegian Sovereign Wealth Fund are pursuing stability through asset allocation and are utilizing a 6:4 stock-bond portfolio strategy as one of their management methods.
Therefore, if the 6:4 stock-bond portfolio leads to investment failure, it could also affect the asset management of many institutions and countries.
This means that this portfolio is established as a stable and reliable strategy.
--- p.121, from "Chapter 2: Making and Rolling Money Quickly and Surely! ETF Investment"

At that time, it was possible to invest in apartments without a loan.
The sale price (sale price minus lease price) of an apartment in Sanbon New Town, Gunpo-si, Gyeonggi-do, located a little further south from Pyeongchon New Town, was around 50 million won.
Sanbon New Town was also a good place to live as one of the first new towns in the metropolitan area, so I was looking at it as an investment area. In the end, I took out an additional loan and bought an apartment in Pyeongchon New Town.
"Price reflects location." I believed that apartments in Pyeongchon, with their higher price per pyeong, were more desirable and sought after than apartments in Sanbon, and that more sought-after locations offered greater returns and liquidity.
--- p.236, from "Chapter 3: Enjoying Price Differences and Owning Your Own Home Simultaneously! Affordable Apartment Investment"

Many people think that owning a home means living there yourself.
However, if you only consider buying a home for actual residence, you may never be able to buy a good apartment in a good location.
In order to buy an apartment that I will actually live in, I need to have funds equivalent to the sale price of the apartment, but while I am saving up that money, the apartment price rises even faster.
However, if you put up a deposit, the required funds will be deducted as much as the deposit, so you can purchase it with less money.
So, I recommend that you use the jeonse system to 'register' the best apartment that you can invest in with your current funds to buy your own home.

--- p.246, from "Chapter 3: Enjoying Price Differences and Owning Your Own Home Simultaneously! Affordable Apartment Investment"

Around that time, I changed jobs and my salary increased.
The monthly investable amount has increased.
I invested in an ETF portfolio on a monthly basis, and purchased ETFs whenever dividends were paid (some ETFs pay dividends) or whenever I received performance bonuses.
Because of this, I got a return higher than my deposit.
At this time, I steadily purchased 60% of the 'TIGER US S&P 500' and 'TIGER US Nasdaq 100', and 40% of the 'KODEX US 10-Year Treasury Bond Futures', following the 6:4 stock-bond portfolio strategy.
--- p.261, from “Chapter 4: Two-track investment system to make 1 billion won with a monthly salary of 2 million won”

If possible, I think it would be better to purchase real estate first.
This is because real estate allows for the use of leverage, allowing for rapid growth in assets.
However, real estate investment requires an initial investment of at least 50 million won.
So, for those who lack investment funds, I recommend investing in an ETF portfolio first.
It takes time to save 50 million won, and it takes too long to save money simply through savings.
Moreover, while you are gradually saving money, you may experience a huge 'FOMO (fear of being left out)' if other people around you make profits from real estate and stocks.
If you are also investing in stock ETFs, you won't feel like you're falling behind the market.

--- p.274, from “Chapter 4: Two-track investment system to make 1 billion won with a monthly salary of 2 million won”