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If you won 1 billion in the lottery, what would you do?

Interesting question, I heard that there was a single winner of the $1.6 billion Mega Million lottery today. After taxes and taking the lump sum that’s roughly $600 million dollars. That won’t get you into the $1 billion club but that’s a lot of money.

Now what I would do is actually very similar to what I did a few weeks ago. You see – due to some bad financial losses I had this year and some loans I had to pay back, I was forced to sell my San Francisco apartment. Luckily for me, my SF apartment had appreciated in value about 40% since I bought it back in 2013. So I more than made up for my bad financial losses – I actually came out with an overall profit. So basically I had lump sum of cash after I sold my apartment – not exactly $600 million, more like 0.1% of that ( $600k ish) – but that’s still a lot of cash, and here’s what I did with it:

roughly 2/3rds of it (66%~) – I converted to Canadian dollars to take advantage of the roughly 30%~ gain in Canadian currency you can get right now. Canadian currency is very low right now in comparison to USD so I decided to take advantage of that. Most of that money will be going towards purchasing a residence in Canada (I’m still going to take out a mortgage because Toronto/Vancouver prices aint cheap!)

another 1/6th (16%~) went to an online investment tool I use which is Wealthfront (www.wealthfront.com) which automatically diversifies that money into a pool of stocks/bonds/natural resources/minerals/dividends

another 1/12th (8%~) went to cryptocurrencies (yeah I know cause I’m a millenial and all, and I believe it will recover) but its pretty high risk

the remaining 1/12th (8%~) is sitting in cash to pay off my credit cards right now for my current spending. I am also taking a break to travel a few countries in Asia I didn’t get to travel to before using some of that cash.

If I had a $600m windfall, I don’t think I would use my money that much differently, although I would probably allocate a lower amount to real estate (oh I would buy a few places in Canada/USA/Korea but not that much because it would get hard to manage), I would give away a couple million to my good friends and family, and I would probably shift more money to stocks and dividends so I can generate more passive income off of those. I would also probably travel a bit more and grow my (already admittedly large) computer/phone/guitar collection.

But that’s about it. On the Mazlow hierarchy of needs, Money definitely solves the lower level problems like healthcare, food and survival, but for higher level needs like love and companionship it doesn’t really help solve it. Good relationships are hard to find, and those are priceless in a sense, you can’t really buy a really good friend or the love of your life.. you have to find that yourself. Really, the higher level keys to your happiness in life are not obtainable by any amount of money whether it be $600k or $600m. That’s what I realized, anyways but as far as money is concerned thats how I would use it.

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General

2016: Year in Review

Merry Christmas and Happy Holidays everyone. Gosh, is it the end of the year already, I’m already almost 30 in Korean age! 2016 came and went pretty fast.. I think the major story here is that I found much more success with women this year than I did last year, which is great, but the night schedule of working in Korea and having ill health finally wore me out. This year I got both incredibly homesick for Canada/California when I was in Korea, and also got incredibly homesick for Korea once I got back. I always have some form of depression or loneliness wherever I go – whether it be in Korea or USA. Both countries have advantages and disadvantages. In USA, I have access to everything I want, people speak my language, the weather is good in California and I can go see a doctor whenever I want. In Korea, I have easy access to beautiful girls and nightlife wherever I go.
So, the ups and downs always haunt me – I could never be fully comfortable living in Korea and at the same time living in California was also boring and lonely.

Highlights
-Trip to Japan and Taiwan, finally completing my East Asia tour
-Dated at least 5 Korean girls this year, overall a much more successful year in relationships than last year, and I learned alot from each one.
-Got Lasik surgery done, which improved my self-confidence a lot.
-Got my San Francisco apartment back! My health should also start improving since I am in the regular sleep cycle again.

Lowlights
-Lost a combined $8000 in bets from both the Cleveland Cavs winning and Donald Trump winning – both underdogs btw. I’ll never underestimate underdogs again.
-Didn’t find any Korean girl who could come back to USA with me. This is obviously one of the biggest failures of my life, and makes me wonder what I ultimately accomplished during my 2 years in Korea. Of course, I don’t regret it, and I learned a lot, but still. This was a big disappointment for me. Now I am prompted to move somewhere else again just because San Francisco has so few Korean girls.

Summary
I think the most important thing for me this year was that I gained a lot of relationship experience, and I got a lot of feedback about how to treat Korean girls and ideas about what they like and dislike a lot better than before. Last year, I was essentially still blind to what they liked. This year, I amped up the aggression and confidence a little bit, did lasik surgery, changed my hairstyle, and it seemed to make all the difference. That said – I have to keep it up. I have to keep working on my Korean and working on my next goal of getting to Vancouver – because ultimately San Francisco isn’t the same as it was even 2-3 years ago. I have few friends left in SF – most of them went back to Korea so I know just 3 good American friends here – all guys of course. There’s virtually no ways for me to meet Koreans here anymore, and very few go to meetup or online language exchange websites anymore. My ultimate failure to keep a relationship in Korea and bring a girl back is what causes my current situation and next challenge. I have to keep trying therefore, to achieve my goal of marrying a Korean girl – but it has to be done either in USA or Canada, which makes things all the more challenging. But I don’t really have a choice – unless I want to work in ‘Hell Joseon’ (what Koreans refer to Korean work culture as), I could never stay in Korea long term.. this is the only thing I can really do, and fight for, and I’m not getting any younger just sitting around.

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Farewell Tour of Korea, plans for the future

One month left until I leave Korea. How time flies. Over the last 2 months I’ve been traveling around Korea for my last trip and farewell tour… going to Daegu, Busan, Gyeongju, Ulsan and Jeju island.

It was a really good time, even though I traveled alone (and theres tons of couples in Korea like always), I’m used to doing things by myself, so it was alright. Jeju was probably the best, lots of beautiful scenery there, especially in Udo island.

These days, I’ve been so homesick about my home in San Francisco, its driving me crazy… I keep looking at old pics of my home, even reconstructed my home in The Sims 3 just to get the feeling of being back… but its not the same. I’m tired of living in Korea now. Turns out, working at night, sleeping in the daytime, and eating instant ramen and fast food everyday for 2 years can take its toll on my body. I’ve traveled everywhere, done everything, and now I just want to say goodbye to my friends, sell all my Korea stuff, and go back.

I’m a little bittersweet about leaving Korea though… I am leaving in one month, almost exactly one year after I arrived in Korea in Dec 2014. Can’t believe its been 2 years already. My feelings about Korea have changed obviously since I first arrived here.
When I first came here, I was excited at the prospect of living somewhere new in Asia, experiencing the nightlife, meeting lots of pretty girls, all while making American salary. That sounds good on paper – but in truth, Korea turned out to be much better for traveling than for living. When you come to Korea for the first time, everything is amazing. Everything is open late. Everything is done very fast and efficiently. The subway is one of the best in the world. The women are super feminine and gorgeous. The service is awesome. You can drink alcohol in public. There’s no shady drugs or gangs roaming around, its a very safe country. But then once you start living there, things become different.
The nightlife got tiring after a few months. The girls were much harder to get than I expected. Friends become busy and cannot hang out often anymore. And doing things in Korea became very difficult because they prevent foreigners from doing a lot of things. For example, getting internet, buying a phone, getting a phone contract, buying things online etc all those things require Korean citizen ID or a Foreigner resident ID (which I don’t have since I work remotely). All these things made it very hard for me to live in Korea.

And Korea is really a place where being alone is kind of boring. Because of how Korean culture is, most people you see in Korea are in a relationship, and when they are in a relationship, they don’t usually hang out with their friends anymore and focus all their time on their partner. That’s just how Korean culture is.

1) Most people in Korea meet their partner through introductions from their friends, which you can imagine is geared towards native Koreans. As a foreigner the only methods I could meet someone is through going to meetups or language exchange websites/apps. But as I learned, a lot of other guys (even Korean guys) use those methods to meet girls, and most Korean girls are very loyal to their race and prefer to date Korean guys. Furthermore, the majority of girls I am meeting are only there for language exchange, not interested in a relationship, or simply too busy or not interested to continue contacting with me.

2) In Korea, work is like hell, and office workers, teachers, etc almost all workers work very long hours and are often very busy as a result. So most of my close friends are too busy to hang out with me. In addition, some of my friends are getting or got married, and so obviously don’t have time to meet either. So, the difficulty in getting a girlfriend / getting close to girls compounded with my friends being busy, and seeing couples all the time on the street and tons of beautiful girls outside that I will never have a chance with, led to a very depressing and lonely 2 years for me. I am disappointed, though I don’t regret coming to Korea since I learned a lot here and matured a lot, especially with regards to relationships and knowledge about Korean culture.

3) This also combined with the fact that working the night shift is slowly ruining my health and sleeping patterns. I noticed that I don’t have as much energy as before, not as productive at work as before, getting sick easily, and not sleeping very well either. Getting a job in Korea would be worse because I would still be working until very late, but not making much money and working more hours and not having enough time.

4) The fourth reason is not being able to do what I want (like buying things online, or having a real cellphone number), eat the food that I want (only Korean food and instantfood in supermarkets here), is what led me to become very homesick and sick of Korea these past 3 months.

These four reasons are the main reasons why I cannot stay in Korea for the long term. Its a great place to travel, great place to party, great place for nightlife, and the girls are absolutely stunning. I do have a bias towards Korean girls, but I hands down think they are the best girls in the world. They care so much more about their appearance compared to other girls (makeup, fashion, etc everything), they are extremely feminine (never saw any tomboys here) and they also care about their boyfriends and husbands a lot (trust me I’ve seen so many Korean girls being lovey dovey with their bfs everyday). They make great girlfriends (had experience with this) and wives (they often do cooking/cleaning/housework and take care of kids well), and they are loyal, nice and polite. The girls will be the main thing I miss about living in Korea, but I realized something when I thought more deeply about moving back to USA and Canada.

I can always find Korean girls back in USA and Canada (albeit there’s less of them and more competition, but there is still).. but I cannot enjoy my US/Canada life in Korea. Finding a Korean girl to bring back to America has also been difficult. I thought it would be easy since Koreans live such a hard life, and I had a good job and apartment in San Francisco, already, but I discovered that most Korean girls were very conservative about changing their life patterns… they didn’t want to quit their job or move abroad even if I promised them I would take care of them. They don’t like to take risks in general. That’s a difference in thinking, I believe. So I thought maybe the more open minded girls were back where I came from… the ones who were already abroad. It would be easier to convince them. I had been looking in the wrong place the whole time. And although I will have more competition from both Western men and other Asian men chasing them, I have matured somewhat during my stay in Korea. After having several Korean gfs here, I learned a lot about Korean girls, their thinking, their culture, a lot about how relationships work in Korea. I also found there was a massive difference between Korean girls and Chinese girls, both in looks and in personality. Since I grew up in a Western country, I have to be more open minded to look for girls that are the best for me, everywhere in the world. Not just my own race, not just in my own country. And having traveled to China, Europe, Taiwan, Japan, etc I still maintain a firm belief that Korean girls are 100% undoubtedly the best girls for me and in my opinion the most perfect women on earth. They are special and unique (I already explained this in previous posts), and I will keep trying to achieve that goal of finding a good Korean girlfriend and marrying her.

Last year, I had the worst luck with Korean women, but this year was better. The past 3 months I’ve met at least 5 girls that were willing to date me – as long as I were to stay in Korea. Where were they last year?? I cannot stay longer this year, even if I have a really beautiful sweet girl by my side here… the longer I stay, the more I ruin my health, and plus I have a lot of things to take care of back home in the US. I also have to prepare for my plan to move somewhere else next year. Its just unfortunate that I met all these good girls way too late. Bad timing, as always. Anyways, I hope that experience can help me find a Korean gf eventually back home.

So.. where is home now? The next step of my life is coming up. I will not stay in San Francisco, and the next place that I will move to will be Vancouver, Canada. Why Vancouver? It seems random, but there’s several reasons why Vancouver is the place I want to settle down:

1) Vancouver is about half the price of San Francisco, despite Vancouver being the most expensive place in Canada. This speaks a lot about how expensive SF is. I will have to pay more tax in Canada though, but that will be ok. It is also cheaper than living in Seattle or San Diego, two other places I considered, after factoring in the exchange rate.
2) Vancouver has West Coast climate and its the warmest city in Canada. I don’t like snow or cold weather so I ruled out New York and Toronto.
3) Vancouver has the second highest concentration of Koreans in Canada, after Toronto. Since Toronto is a much bigger city, I should be able to find Koreans more easily in Vancouver. I’ve spent a lot of time explaining why I prefer Korean girls over other girls (Asian or Western) so it makes sense that I would choose a place with a high concentration of Koreans.
4) Canadian food. Boy did I miss my Canadian sausages, flavored chips, Pizza pockets, Swiss Chalet, Timbits and Poutine…

So now my plan is to get my SF apartment rented out again, get my mortgage down to a level where I can borrow enough money to buy a place in Vancouver. That’s four reasons for leaving Korea, and four reasons for moving to Vancouver. I wouldn’t say I “wasted” the last 2 years in Korea, but definitely it was disappointing. The one thing I can say is I matured a lot and learned a lot about Korean culture, and handling Korean women (I’ve had 2 official relationships while I was in Korea). And its something I can use for my advantage in the future. Am I disappointed that I couldn’t find the girl of my dreams and bring her back? of course, but that’s how life is. Nothing comes easy. Everything is step by step. You have to wait for the right person, the right opportunity, especially for a guy like me who is very serious about relationships and don’t want to waste my time with short term flings. Patience is a virtue. I will come back to Korea in the future, but only for traveling, as it still is my favorite country in Asia and one of my favorite countries in the world, and I still have lots of friends there.