This life, each stage has things to do and distances that can be calculated.
Can the things you've accumulated for twenty years become income?
Not "how to earn more," but "is my experience valuable, and can it be exchanged for income."
Verification Signals (count as valid if two or more are met):
· Experience is only useful in the original company/industry
· There is nothing that can be delivered externally
· Income is 100% dependent on a single employer
Definition of Asset
This stage, your biggest asset is experience — but it has a trap: it is not an asset if it is only useful in the original environment.
How to judge if it is an asset:
① Can it be used in another company?
② Can it be used in another industry?
③ Is someone willing to pay for it separately?
Only if all three are "yes," it is a real asset. The most valuable action after 40 is to transform experience from "internal experience" to "external thing that can be bought": consulting, courses, methods, works.
Experience can be turned into money
Both ends are arranged
Don't burden your children
Definition
Experience Monetization Degree · Insurance Coverage · High-Risk Asset Proportion
How to Calculate
Is someone willing to pay for your experience; Premium ÷ Annual Family Expenditure
Healthy Range
1 Paid Customer · Premium ≥ 5 Years of Expenditure · High-Risk ≤ (100−Age)%
Experience is only useful internally — it becomes zero in a different environment
Waiting to be recognized by the company — the company's value system is not determined by you
Only do asset management and not ability — ability depreciation will be faster
Buy insurance as an investment — insurance coverage is not enough
Give assets to your children too early — lose control
Ask three questions: Can my experience be used in a different company/industry/sold separately, can it still be used
If not, start externalizing it (write/speak/make a case)
Find the first person willing to pay for your experience
Check the premium: Is it enough for 5 years of family expenditure
High-risk assets ≤ (100−Age)%
This page does not collect any of your asset information. All indicators are proportions and multiples, you can calculate them in your mind without inputting or uploading.