FIQUE RICO INVESTINDO NA POUPANÇA!

André Bona

6 Feb 201808:29

Summary

TLDRIn this video, the host challenges the notion that saving money is the worst investment, arguing that accumulating wealth through savings is possible with discipline and consistency. They emphasize that wealth formation is not solely dependent on investment returns but also on personal financial behavior and the ability to accumulate over time. The host encourages viewers to focus on their financial conduct and work ethic, suggesting that even without sophisticated investment knowledge, one can become a millionaire by diligently saving and working hard.

Takeaways

💡 Investing in savings is possible to become rich, depending on individual circumstances and needs.
📉 The speaker acknowledges that savings are often considered the worst investment, but emphasizes that wealth accumulation is not solely tied to the type of investment.
💼 Success in wealth building is more about discipline in accumulating savings and less about the investment's return rate.
🕒 Time plays a significant role in wealth accumulation, but it's something individuals cannot control, unlike the habit of saving regularly.
💰 The speaker argues that focusing only on investment returns can lead to neglecting the basic habit of saving, which is crucial for wealth building.
🏦 There are alternatives to savings, such as investments in banks and brokerage firms, which may offer better returns but require more effort to find.
👴 The script mentions 'tiozinho' (uncle) with over 10 million reais in savings, illustrating that wealth can be accumulated through consistent saving habits.
🚀 Entrepreneurship and taking risks can offer greater opportunities for wealth accumulation than just focusing on investment returns.
💼 The speaker advises that if one is not knowledgeable about investments, it might be better to focus on professional improvement and saving rather than trying to force investment strategies.
🌟 The key to wealth is not just about investment returns but also about personal financial organization and behavior.

Q & A

Is it possible to become rich by investing in savings accounts?
-Yes, it is possible to become rich by investing in savings accounts, but it depends on an individual's needs and conditions. It can be a path to wealth accumulation if one is disciplined in accumulating savings over time.
What is the speaker's general view on savings as an investment?
-The speaker considers savings to be the worst investment option due to its typically low returns compared to other investment alternatives.
What are some alternative investment options mentioned in the script?
-Alternative investments mentioned include investments in banks, especially through brokers, and commercial banks, which might offer better returns than traditional savings accounts.
What role does the frequency and periodicity of investment play in wealth accumulation?
-The frequency and periodicity of investment are crucial as they contribute to the compounding effect and the overall growth of wealth over time.
Why does the speaker emphasize the importance of understanding one's own financial behavior?
-The speaker emphasizes understanding one's financial behavior because the formation of wealth is not solely dependent on investment returns but also on an individual's discipline and financial organization.
What is the significance of the phrase 'aporte e tempo' mentioned in the script?
-The phrase 'aporte e tempo' (contribution and time) signifies that consistent contributions over a long period, rather than high investment returns, are key to significant wealth accumulation.
How does the speaker view the role of risk in investment and entrepreneurship?
-The speaker acknowledges that entrepreneurship and investment carry higher risks but also offer the potential for greater returns, contrasting with the safer but lower-yielding savings accounts.
What does the speaker suggest as the 'basic' that one must do to accumulate wealth?
-The speaker suggests that the 'basic' involves consistently working and saving, focusing on professional improvement, and generating surplus income, which is more important than focusing solely on investment strategies.
Why might focusing only on investment returns be misleading, according to the speaker?
-Focusing only on investment returns can be misleading because it overlooks the importance of regular saving and disciplined financial behavior, which are essential for wealth formation.
What advice does the speaker give to those who are not knowledgeable about investments?
-The speaker advises those who are not knowledgeable about investments to focus on improving their professional skills and financial discipline rather than trying to become experts in investment, as the latter might distract from the more fundamental wealth-building activities.
What is the main takeaway from the script regarding wealth accumulation?
-The main takeaway is that wealth accumulation is not solely dependent on the choice of investment but also significantly influenced by an individual's financial conduct, discipline in saving, and professional growth.

Outlines

00:00

💰 Possibility of Wealth through Savings

The speaker begins by challenging the notion that savings are the worst investment. They argue that it is indeed possible to become wealthy through savings, depending on one's needs and circumstances. The speaker acknowledges past statements about savings being a poor investment choice but emphasizes that wealth accumulation is not solely dependent on investment methods. Instead, it's linked to one's ability to consistently save and let time work on the accumulated capital. The discussion highlights the importance of discipline in saving regularly and allowing investments to grow over time, rather than focusing solely on high returns from investments.

05:01

🏦 Building Wealth Beyond Investment Returns

In the second paragraph, the speaker elaborates on the idea that building wealth is not solely about investment returns. They stress the importance of basic financial conduct, such as consistently saving and working diligently to generate surplus income. The speaker warns against the misconception that focusing exclusively on investment strategies can lead to wealth, especially if one neglects the foundational practices of saving and earning. They advocate for a balanced approach where understanding and managing personal finances effectively play a crucial role in wealth accumulation, rather than just relying on investment knowledge.

Mindmap

Keywords

💡Savings

Savings refer to the money an individual or entity sets aside as a reserve or for future use. In the context of the video, savings are discussed as a potential way to become wealthy, though not as effective as investments. The speaker mentions that some people can become millionaires by just saving money in the bank, highlighting the importance of regular saving habits.

💡Investment

An investment is an asset or item acquired with the goal of generating income or appreciation in its value. The video script discusses various investment options, contrasting them with savings. Investments are considered a way to improve financial returns, but they come with their own set of risks and are not as straightforward as savings.

💡Wealth

Wealth is the abundance of valuable resources or material possessions. The video's theme revolves around the concept of wealth creation, discussing different methods such as savings and investments. The speaker challenges the idea that savings are the worst investment by suggesting that with discipline and accumulation, one can still become wealthy.

💡Discipline

Discipline in the video refers to the self-control and consistency required to achieve financial goals. It is emphasized as a key factor in accumulating wealth, whether through savings or investments. The speaker praises viewers who demonstrate discipline in their financial habits, such as regularly contributing to savings or investments.

💡Accumulation

Accumulation is the process of gradually gathering or increasing wealth or resources. The script mentions that becoming wealthy is associated with one's ability to accumulate consistently over time. The speaker uses the phrase 'aporte e tempo' (contribution and time) to emphasize the importance of regular saving and the power of compound interest.

💡Rentability

Rentability refers to the profitability or return on an investment. In the video, the speaker discusses how rentability is not something one can control, as it is influenced by factors like market interest rates. The speaker argues that focusing solely on rentability can lead to neglecting the basic principles of wealth accumulation.

💡Time

Time is a crucial factor in wealth accumulation, as it allows for the compounding effect of investments or savings. The video script mentions that time is uncontrollable, as it is uncertain how much time one has to grow their wealth. The speaker uses the concept of time to argue that even with high rentability, without time, significant wealth accumulation is not possible.

💡Inheritance

Inheritance is the receiving of money or property from someone after they die. The script briefly touches on the idea of receiving a large sum of money, such as an inheritance, and the misconception that one must 'torture' this money by investing it aggressively to grow wealth. The speaker suggests that a more balanced approach to wealth management is necessary.

💡Professional Conduct

Professional conduct refers to the behavior and actions expected from a professional in their work. The video suggests that focusing on improving one's professional conduct and work performance can lead to higher income and, consequently, wealth accumulation. The speaker implies that professional growth might be more effective in wealth creation than focusing solely on investment strategies.

💡Financial Management

Financial management is the process of organizing and strategizing one's financial affairs. The video emphasizes the importance of financial management over the rentability of investments. The speaker argues that even without knowledge of investments, if one manages their finances well, they can still become wealthy through savings.

💡Behavior

Behavior in the context of the video refers to the actions and habits that individuals exhibit, particularly in managing their finances. The speaker concludes by urging viewers to look inward at their behavior and habits, suggesting that improving these aspects is more critical to wealth accumulation than external factors like market conditions or investment strategies.

Highlights

It is possible to become rich by investing in savings, depending on individual needs and conditions.

Savings can be a path to wealth, but it's not the only option; other investment alternatives exist.

Investing in banks and brokerages can offer better returns than savings accounts.

The speaker admits that savings are often considered the worst investment but emphasizes that wealth accumulation is not solely tied to investment type.

Wealth is associated with one's ability to accumulate and discipline, not just the investment method.

The speaker is pleased when viewers engage with content about stocks and long-term investment strategies.

Wealth formation is based on the formula of investment, time, and frequency of contributions.

Interest rates, which affect investment returns, are uncontrollable and fluctuate with the economy.

Time is a factor in wealth building that is somewhat controllable, depending on one's lifespan and circumstances.

The可控 factor in wealth building is the amount one chooses to invest, which is entirely up to the individual.

Some people become wealthy with savings accounts, demonstrating that investment type is not the only path to wealth.

The speaker shares a story of a simple person who has amassed a significant amount in savings through consistent work and saving.

Entrepreneurship and seizing opportunities can lead to wealth more significantly than just focusing on investment returns.

Wealth formation is not solely dependent on investment returns; it also involves personal financial organization and behavior.

The speaker advises that if one is not knowledgeable about investments, it might be better to focus on professional improvement and savings.

The key to wealth is not investment returns but one's conduct in organizing personal finances.

The speaker warns against focusing solely on investment strategies at the expense of basic financial management.

Improving one's income and accumulation of wealth through work and savings can be more effective than relying on investments alone.

The speaker concludes by emphasizing the importance of self-reflection and improvement in personal finance management.