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Leverage Methodology
Leverage Methodology
Description
Book Introduction
"Leverage Methodology" is not just a simple financial management book.
This book translates the core principle of capitalism, called 'leverage,' into a realistic structure.
Author Richbee says:

“You can never get rich through labor.
“Only systems and leverage create wealth.”

Office workers, self-employed, military personnel, investors, etc.
How can we combine the resources that everyone already has: time, capital, credit, and knowledge?
It specifically shows how we can create a system that makes money work.

This book covers stocks, real estate, insurance, deposits, loans, and business.
Understanding the hidden language of capitalism, ‘leverage’, and using it in practice
This is the most realistic and thorough guide.
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index
This story is dangerous.
Your abilities
12 | You can't get the speed by yourself.
13 | Your abilities are less than you think.
15 | 'When I was young' no longer works.
16 | Your salary is already depreciating.
17 | All rich people use leverage.
18 | Don't overestimate your abilities.

Time Leverage
20 | Use Other People's Time
21 | Whose Goals Is Your Time Being Used For?
23 | To escape from a life of leverage
24 | Even Public Interest Organization Leaders Are Leveraged
25 | Compensate for your time and gain freedom
26 | Your time is your most powerful asset.

Capital leverage
27 | The Essence of Capital Leverage
29 | Capital Makes Time Work for You
30 | What is Other People's Capital?
31 | The Trust of Capital, the Essence of Collateral
33 | Collateral Conditions: Value, Durability, and Expected Profit
34 | Be sure to remember the collateral valuation method.
36 | The Simplest and Most Powerful Capital Leverage: Loans
37 | The Ultimate Goal of Capital Leverage
38 | Don't borrow money, move capital.

Leveraging stocks
41 | Stock Leverage is Risky
42 | The market is always changing.
43 | A quick thinker would have noticed
44 | Invest in stocks using real estate as collateral.
45 | The stability of collateral is survival.
46 | Ray Dalio and Systematic Leverage
47 | How to Use Leverage Properly
49 | Those who overcome the volatility of collateral are truly rich.

Collateral whose value does not change
50 | Your salary is the strongest collateral
52 | Insurance is an invisible cash asset.
54 | Savings are a testament to trust.
55 | Unchanging Collateral, But Times Change
56 | Leverage is the language of the rich.
57 | Business owners should not borrow money recklessly.
58 | The Only Way for Salaried Workers to Get Rich
The best loan is one that doesn't require repayment of the principal.
61 | Understanding Loan Repayment Methods
62 | It is advantageous not to repay the principal.
63 | Pay with simple interest, earn with compound interest
65 | Repayment of principal and interest is an illusion of security.
66 | The rich see interest as an "opportunity," not a "cost."
67 | The most advantageous structure for salaried workers
68 | The rich don't pay back their principal.
69 | Unconditional fixed interest rate

Never lose your principal
72 | Illusion - Raising Seed Money for a Purpose
74 | A World Driven by Welfare
75 | Money works by ratios, not amounts.
77 | Money Never Disappears
79 | Compound interest beats simple interest.
Don't waste your principal.
80 | Military Mutual Aid Association Economics
82 | Compound interest is the economics of preserving principal.

A structure in which capital leverage operates explosively
84 | The pinnacle of leverage is real estate.
88 | Four Strategies for Making Money in Real Estate

Leveraging Insurance
94 | Insurance is More Than Just a Protection Device
95 | Insurance Policy Loan
98 | Core Principles of Insurance Leverage
98 | Change Your Mindset to Get Rich

Leveraged ETFs: Understanding Them Properly Can Be an Opportunity
100 | If you don't know properly, you won't see the opportunity.
104 | The Power of Leverage in the Long Term
106 | Things to Check Before Investing
107 | Investment Methods and Strategies
108 | Conclusion from a Long-Term Investment Perspective

The mindset of the rich
109 | Your Mindset Creates Wealth
110 | A Perspective on Assets and Liabilities
111 | Time-based thinking
113 | Thoughts Lead to Action

A warning against sweet temptation
115 | Ponzi Scheme - Put in money, get out
116 | Real Estate Bomb Roll
119 | Get a loan and a deposit

In conclusion
Appendix: Bitcoin, the Most Perfect Asset

Detailed image
Detailed Image 1

Into the book
"Leverage is broadly divided into two axes.
One is Time, the other is Capital.
This article is about capital leverage, among other things.
In the following discussion, I will elaborate on capital leverage.
Capital leverage, simply put, is using other people's capital.
But the word carries a deeper meaning than simply 'borrowing money'.
True capital leverage aims to free up your own time by using the capital of others.
In other words, capital leverage is a prerequisite for time leverage.
Although this book focuses on capital leverage, there is one thing we must not forget.
Your ultimate goal should not be to 'make money', but to 'get your time back'.
Money is just a tool, freedom is the goal."

"The size of your leverage, i.e. how much money you can raise, depends on the value of the collateral.
The collateral value is determined by an appraisal by the lender.

Understanding how collateral is valued can help you determine the optimal timing for leveraged investments.
No matter how well you understand leverage, if you don't know it, you can't make efficient investments.

"Stock leverage is not just an investment technique.
It is a test of the intelligence to control risk.
Everyone who becomes rich uses 'leverage'.
But even people who go bankrupt use 'leverage'.
The only difference between the two is the stability of the collateral.
When you borrow money using stocks as collateral, you become a slave to the market.
But if you secure capital with unchanging collateral, you become the master of the market.
The key to leverage is not to avoid risk, but to design a structure that allows you to survive.
With that structure in place, you can turn even a market crash into a moment of opportunity.
Take out a loan from a place where the collateral value does not change, and invest in stocks.
"It's the simplest, yet most intelligent leverage strategy."

"Even though an office worker's salary is small, it is powerful.
Because a fixed and stable income is the collateral that financial institutions value most highly.
If you understand this principle correctly, you should actively leverage the collateral value even if your salary is small.
The path to wealth isn't simply about making a lot of money, but about how effectively you use your assets.
For office workers, leverage isn't just about loans.
It is the power that brings the ‘future me’ into the present.
Ray Dalio said.
“Don’t be afraid of leverage.
“Be afraid of what you don’t understand.”
Ultimately, the person who becomes rich is the one who understands his collateral most accurately.
And that security is already within you."
--- From the text

Publisher's Review
The Leverage Methodology is a “formula for becoming rich”
This book is interpreted in terms of structure, not numbers.

Author Richbee realized this while studying the system of military organization.
The difference between the rich and the poor is not in 'effort' but in the ability to design structures.

This book dissects that structure into four axes: time, capital, real estate, and finance.

Time Leverage? How to Use Other People's Time to Increase Your Own

Capital Leverage? Structuring Your Business to Eliminate the Fear of Debt

Real Estate Leverage? A Strategy for Simultaneously Gaining Use Value and Asset Value

Insurance and Deposit Leverage? The Art of Borrowing Without Losing

Stock Leverage? How to Maximize Compounding with US ETFs

“Effort without leverage is like pedaling a bicycle backwards,” says Richie.
If you want to be rich,
From now on, we need to change the ‘structure’ rather than the ‘effort’.
GOODS SPECIFICS
- Date of issue: November 20, 2025
- Page count, weight, size: 148 pages | 128*188*20mm
- ISBN13: 9791199161191
- ISBN10: 1199161195

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