[Digital Nomad Financial Management] Start steadily from childhood to adulthood! Gilly's Digital Nomad's Path to Financial Freedom

第一次真正投資：數位遊牧之路上對外匯的短暫冒險

2016年時，適逢美國總統大選，那時候在同事的鼓舞下，小資族的吉莉跟風同事，開設外幣帳戶，利用小額投資美元，參與外匯投資。但當時的吉莉，投資經驗完全是零，連外匯是什麼都不了解。

But also because of this completely incomprehensible emotion, Gilly began to feel frightened. So the day before the invoice was issued, Jili decided to transfer all U.S. dollars back to Taiwan dollars to calm her uneasy anxiety and end the adventure. The dramatic turning point on the day of invoicing actually made the colleagues who participated in the dollar investment profitable.

數位遊牧者的理財動機：從恐懼到夢想

After learning from this investment lesson, although there was no loss, Jili quickly realized from this process that her knowledge of investment and financial management was obviously zero, and it was very dangerous to just blindly listen to what others said. Behavior.

This experience inspired Jili's financial management dream, and I also saw that my colleagues gave themselves a passive income in addition to a fixed salary because of investment, so Jili decided to learn the relevant knowledge of financial management and make a good job of self-investment so that she can move towards the path of financial freedom..

Jili has always kept this financial motivation firmly in mind. I look at him very positively and become the driving force for my continuous investment, and don't forget the original intention.

數位遊牧者的理財第一步：虛擬股票模擬練習，少賠點學費

For Jili's first investment, she chose to use an amount that was within her ability to bear. Although it is risky to take risks without learning investment knowledge, in fact, there are still certain controls on risks, such as using a small amount and setting your own stop loss to leave the market.

投資小白，免驚！CMoney股市大富翁帶你模擬人生第一次投資

After a period of study, Gilly began to use it in mid-2018.CMoney Stock Market Monopoly這個免費的虛擬股票平台模擬投資，作為股市入門的投資練習。

這個平台真的幫助當時吉莉這隻投資大白狗壯膽很多，吉莉認真覺得這個平台很佛心。整個介面設計非常簡單直觀，登入後，功能很清楚，使用者能立刻上手。

This platform has a Web/APP version, and Gilly has used it. However, in terms of experience, the Web version is smoother.

右側欄位有其他人的投資選項可以參考，可以看看其他人都購買那些股票。並且有積分競賽排名，很有遊戲感的激勵動力。適合初入股市投資的新手小白。

數位遊牧理財的學習日常：書籍、Podcast與影片全方位吸收

Recommended books

The financial resources that Gilly has used in the past few years，Mainly from reading financial management books。 Think reading can be moreSystematicWith solidLearned knowledge。 andExtensive reading，不限理財類別，透過Cross-disciplinary learning，幫助自己更全方位了解世界的經濟運作模式。

如果你和我一樣相信閱讀能讓我們更好地掌握財務知識，歡迎來到「吉莉的書單冒險」中的【財務智慧啟航】類別。在這裡，你可以找到許多實用的財務書籍推薦，從投資小白到進階投資者，都能找到適合的讀物來提升自己的財務智慧。點擊這裡開始探索，讓我們一起在書本中找到更多理財的力量吧！

Recommend YouTube channel

In addition to reading, Gilly will also watch some financial channels on YouTube or listen to Pocast. Especially for Pocast, there are many channels that have in-depth insights into financial trends, and they can be listened to during sports and transportation, which is very convenient for listeners to learn about financial management.

投資知識

Chai Rat Brothers ZRBros

Qingliujun

Zhimei JiMMY

I went to the School of Finance and Economics again

Economics of getting off work

技術型投資

Asha at home

加密貨幣

MarsCrypto

美股投資

Slow-living couple George & Dewi

房地產知識

超級房仲學院｜Zack

總體經濟

Disappearing borders

Recommended Podcasting

US Stock One Piece

U.S. Stock Investment-Financial Girl Jenny

Investment addiction

Stock market addict

Little dog

MacroMicro Finance M square

穩穩前進：走向數位遊牧的五年穩健投資之路

The change of investment mentality: Don't make unfamiliar investments

在2020年時，也就是疫情開始重創全世界的時候，吉莉在當時，做出了投資生涯的第二次邁進，這次吉莉嘗試的是台股的個股投資。而這次有著第一次的經驗，與過去三年左右的學習與知識累積，讓自己心理更有充分的準備，於是在面對買進股票後，出現的任何轉折，都更有踏實的應對心理建設。

Jili has done research on the selected investment targets in the past few years before purchasing at this specific time. The later profits also increased my confidence. Say goodbye to the blind investment self before.

Steady investment

在2021年時，吉莉再次進行第三次投資，而這次是選擇穩健的指數型ETF投資。
從此開始持續的投入。而並不是購入後即開始獲利，曾經有兩年半，整體是呈現負20％的狀態。當時，吉莉開始出現自我懷疑的心境，是不是該繼續投資下去。幸好，當時在吉娃的鼓勵與提醒下，吉莉才沒有被當時的負面情緒影響而放棄，於是有機會在2023下半年開始感受到複利的效應。

曾經在一堂理財課程中，擁有資深財經領域的講師提到，指數型ETF投資，投資者若希望達到10%的獲利，至少要維持三年的持續投資。

數位遊牧中的投資挑戰：邊旅行邊學會理財

I feel that the epidemic has brought about the impact of inflation, especially when Jili is living abroad, she feels very deeply. Those tourist destinations that exist in our impression of good quality and low prices are actually affected by the effect of inflation, and prices and rents have increased a lot.

進階投資：跨市場、跨產品、跨技術

吉莉除了研究穩健型的投資，過去幾年也開始學習一些股債平衡、美股投資、研究海外房地產的觀念與技術。吉莉希望透過分散投資市場，並使用進階技術投資，做不同的投資挑戰。但其實學習了一些知識，卻還是不敢開始。

數位遊牧理財路上的學習與成長：與志同道合者同行

Gili's idea of starting to try new challenges came from observing the effectiveness of her family's actual investment. There is no shortage of ways and knowledge to do things in this era, and we actually understand and know where to find it. No matter how prepared we are, it is often easy to stay in place because of fear.

Finding groups with the same values and trust as yourself, discussing and learning with each other, will be very helpful in psychological construction. Don't limit the possibility that you can develop a wider range of ideas because of your existing ideas.

數位遊牧理財旅程：終身學習與自我管理

Learning to manage money is actually not just about advancing one's wealth. In this financial journey, I learned how to rationally analyze the knowledge that I thought was complicated. And from investment masters such as Buffett, Charlie Munger, and Howard Marks, I have learned the mature mentality that many investors should face, which is the so・called discipline, not only used in investment, but extended to their own careers, families, and lives.

True wealth comes from a healthy psychological and physical state, and the pleasure and stability that a person who manages himself properly exudes is the positive power that people around him will be infected with.

The life practice of digital nomadism is just like the practice of financial management concepts. The freedom of life and wealth comes from self-discipline. You are not alone on the road to financial management learning. Jili will accompany you to persevere on the road of investment and growth!

Extended reading：

• 【數位遊牧財務攻略】巴菲特都在做的穩健理財法
• 【Digital Nomad Financial Management】《理財盲點》：避開這13大財務陷阱
• 【Digital Nomadic Entrepreneurship】《一人公司起步的思維與挑戰》

Lovely reader，
Do you have any other ideas?
You are welcome to leave a message to discuss with Gilly!