"Is this asset really good, or is it just overpriced?" This is the most confusing point when thinking about investing, because everyone around you will say "now is the time", but when you ask them the basis of their judgment, it's often difficult to get a clear answer.

I recently had a case where an acquaintance rushed to take out a loan and invested in an apartment, saying, "I need to buy it now because the price keeps going up," only to lose a lot of money six months later when the market changed drastically. Another person who had a systematic evaluation criteria and a careful approach was able to make a stable profit in the same period. The difference is having a clear evaluation criteria.