前Banker真心話🙅🏻‍♀️成為有錢人不能靠投資, 不要再浪費時間了🫡[中文ENG]

Summary

本视频脚本通过巴菲特、索罗斯和比尔·阿克曼等投资大师的案例，探讨了投资与致富的关系。指出真正的财富并非仅靠投资，而是需要资本积累和创业精神。巴菲特在投资可口可乐前已实现财务自由，强调了资本积累的重要性。视频还介绍了如何通过增加收入、减少开支和投资来实现财务自由，并推荐了Odoo这一企业管理平台，帮助提高工作效率。

Takeaways

• 💰 巴菲特通过投资可口可乐公司赚取了超过1700%的利润，赢得了227亿美元。
• 🎯 金融大亨索罗斯通过一次做空赌注赚取了10亿美元。
• 📉 比尔·阿克曼通过做空美国国债在3个月内赚取了2亿美元。
• 🚫 作者作为前银行家，坦白表示，致富不能依靠投资。
• 💼 巴菲特在成立伯克希尔哈撒韦公司和购买可口可乐股票之前就已经实现了财务自由。
• 📈 即使是特斯拉和英伟达这样年回报率极高的公司，小额投资也不足以让人退休。
• 📊 投资标普500指数的长期平均回报率约为9.9%，需要74年才能从小额投资增长到百万富翁。
• 🔝 追求超高回报率意味着要承担超高风险，成功概率通常难以预测。
• 🤔 90%的大型主动基金在过去15年的表现不如标普500指数。
• 🏆 富人的财富主要来源于他们的私人公司，而普通人很少持有私人公司股份或金融资产。
• 👑 成为最富有的人需要依靠提供产品或服务来解决世界上其他人的问题。
• 🌐 作者的RainIsHere频道是一个初创公司，作者需要处理公司的各种事务。
• 🛠️ Odoo是一个比利时的商业管理平台，可以帮助中小企业整合业务流程。
• 📈 巴菲特在20多岁时就已经实现了财务自由，他通过努力工作和多种方式积累了资本。
• 💡 普通人应该像巴菲特年轻时一样，首先实现财务自由，即增加自己的资本。
• 🔑 实现财务自由的第一步是明确为什么需要财务自由，每个人的动机都不同。
• 💼 财务自由不是一个固定数字，而是根据个人的生活方式和需求变化的。
• 🚶‍♂️ 为了实现财务自由，除了工作收入外，还需要增加收入、减少开支或降低财务自由的成本。
• 📈 增加收入的方法包括副业、创业、提升工作表现或学习投资。
• 📚 建立积极的朋友圈和找到富有的导师可以帮助提高财务知识和投资能力。
• 🔄 财务自由需要持续的努力和学习，以及有效的时间管理和财务管理。

Q & A

巴菲特通过投资可口可乐公司获得了多少收益？

巴菲特通过投资可口可乐公司获得了超过1700%的收益，赢得了227亿美元。

索罗斯通过一次短期投资赚取了多少资金？

索罗斯通过一次短期投资赚取了10亿美元。

比尔·阿克曼在多长时间内通过做空美国国债赚取了多少资金？

比尔·阿克曼在3个月内通过做空美国国债赚取了2亿美元。

为什么说仅靠投资并不能使人富有？

因为首先你需要有资本去投资。即使投资回报率很高的公司，如果初始资本很小，也不会有足够的收益来实现财务自由。

巴菲特在成立伯克希尔哈撒韦公司和购买可口可乐股份之前，已经实现了什么状态？

巴菲特在成立伯克希尔哈撒韦公司和购买可口可乐股份之前，已经实现了财务自由。

如果投资1万元在特斯拉，一年内可能的收益是多少？

如果投资1万元在特斯拉，按照最高年回报率700%计算，一年内可能的收益是7万元。

投资标准普尔500指数的长期平均回报率是多少？

投资标准普尔500指数的长期平均回报率大约是9.9%。

为什么说追求超高回报率意味着要承担超高风险？

因为为了获得超高的回报率，投资者可能需要投资于一些高增长的初创公司，或者需要有出色的洞察力和好运气，但这类公司的成功率通常很难预测。

为什么说人们实际上很不擅长投资？

因为在过去的15年里，90%的大型主动基金尝试捕捉市场趋势的回报，都未能超越标准普尔500指数，这些基金经理被认为是最专业的，但他们的分析和报告并不能使回报超越市场指数。

富人的财富主要来源于什么？

富人的财富主要来源于他们的私人公司，其次是金融资产投资。对于普通人群，只有1%的人持有私人公司股份或金融资产。

为什么说成为最富有的人还需要依靠使用他们的产品或服务？

因为要成为最富有的人，通常需要通过解决世界上其他人遇到的问题，即通过经营业务来实现，这涉及到提供产品或服务。

巴菲特在20多岁时是如何实现财务自由的？

巴菲特在20多岁时通过多种方式努力赚取并储蓄了相当数量的资本，例如送报纸、创业、捡高尔夫球并清洗后出售、开洗车公司等，这些为他后来的投资打下了基础。

为什么说普通人实现财务自由的首要目标应该是增加自己的资本？

因为只有增加自己的资本，才能有更多的资金去投资或开展业务，从而有可能实现财务自由。

如何理解财务自由的'50-30-20'规则？

财务自由的'50-30-20'规则是指50%的收入用于必需品，20%用于想要的东西，包括学习或储蓄，剩下的30%用于储蓄、投资或还债。

为什么说建立积极的朋友圈子对财务自由很重要？

因为与财务状况良好的人交往，可以学习他们的工作和金钱观念，这有助于提高自己的财务管理能力和投资决策。

为什么说'想要'和'需要'财务自由是两个不同的概念？

'想要'财务自由可能是出于一种理想或愿望，而'需要'财务自由可能是因为面临健康问题、经济恶化、失业等情况，迫切需要实现财务自由来应对。

Outlines

00:00

💹 投资致富的误区与现实

这一段主要讲述了投资致富并非易事，尽管巴菲特、索罗斯和阿克曼等人通过投资取得了巨大成功，但这些成功案例并不能代表普遍情况。巴菲特在投资可口可乐之前已经实现了财务自由。成为富人不能仅依赖投资，因为首先需要有资本进行投资。即使投资回报率极高的公司，小额资本的增长也不足以让人退休。长期投资指数基金的回报率大约为9.9%，但要实现财务自由需要极长的时间。追求超高回报率意味着要承担超高风险，而成功的概率通常难以预测。此外，大多数人在投资方面表现并不出色，过去15年中，90%的主动基金回报率低于标准普尔500指数。富人的财富主要来源于他们的私人公司，而非金融资产投资。

05:00

💼 财务自由的实现途径

这段内容强调了实现财务自由的三个步骤：首先是明确为什么要追求财务自由，即确定自由生活所需的资金目标；其次是如何实现这一目标，包括增加收入、减少开支、降低财务自由的成本或放弃财务自由；最后是采取行动，每天通过学习、实践和时间投入来提高收入。作者分享了自己的经验，鼓励人们利用零散时间学习财务自由相关知识，而不是浪费时间在无意义的活动上。此外，提出了50/30/20规则，即50%的收入用于必需品，20%用于想要的东西，30%用于储蓄、投资或还债。

10:01

📈 增加收入与建立积极影响圈

最后一段讨论了如何增加收入以及建立积极的社交圈对财务自由的重要性。提出了一些增加收入的方法，如从事副业、创业、提升工作表现或学习投资。同时，强调了与成功人士建立联系的重要性，他们的思维方式和工作方法可以为我们提供宝贵的学习机会。此外，提到了《思考致富》一书中的观点，即成功的渴望是成功之路的起点。作者还提到了逆境可以成为人们追求成功的强大动力，并分享了自己经营业务的经验，以及如何通过使用Odoo等工具提高工作效率。

Keywords

💡投资

投资是指将资金用于购买股票、债券、房地产等资产，以期望获得收益的行为。在视频中，投资被视为一种可能带来财富增长的手段，但同时也强调了投资并非致富的唯一途径。例如，巴菲特通过投资可口可乐公司获得了超过1700%的回报。

💡财务自由

财务自由指的是个人拥有足够的资金和资产，可以不受工作收入限制地生活。视频中强调，巴菲特在成立伯克希尔哈撒韦公司和购买可口可乐股票之前就已经实现了财务自由，说明财务自由是逐步积累和投资的结果。

💡资本

资本通常指可用于投资的资金或资产。视频中提到，要成为富人，首先需要拥有资本来进行投资，即使是投资回报率极高的特斯拉或英伟达，如果没有足够的资本，也无法实现财富的大幅增长。

💡股票市场

股票市场是买卖公司股票的场所，它允许投资者购买和出售公司的所有权份额。视频中提到了美国股票市场的S&P500指数，以及投资股票市场的长期平均回报率约为9.9%。

💡复合效应

复合效应是指资产随时间增长而产生的复利效果。视频中巴菲特提到，他相信复合效应将确保他变得富有，这表明即使是小额的初始投资，随着时间的推移和复合效应的作用，也能积累成可观的财富。

💡风险

风险是指投资可能带来的损失或不确定性。视频中提到，追求超高回报率意味着必须承担超高风险，这通常涉及到投资高增长的初创公司或具有卓越洞察力和好运。

💡私募公司

私募公司通常指非公开交易的公司，它们的股票不在公开的证券交易所上市。视频中指出，富人的大部分资产来源于他们的私募公司，这表明拥有并经营自己的企业是积累财富的重要途径。

💡被动收入

被动收入是指不需要积极参与工作就能获得的收入，如租金、版税或投资收益。视频中提到了通过投资股票来获得被动收入，这是一种不依赖于日常工作收入的财富增长方式。

💡财富金字塔

财富金字塔是一个比喻，用来描述不同财富水平的人群结构。视频中提到了财富金字塔的顶端是富商，然后是财务自由的人，底部是普通人的需求，这表明财富分布是不平等的。

💡创业

创业是指开始新的业务或企业的过程。视频中提到，成为最富有的人仍然需要依靠使用他们的产品或服务，即通过创业来解决问题并创造价值。

💡财务管理

财务管理是指个人或企业对资金的管理，包括规划、组织、指导和控制财务活动。视频中提到了50/30/20规则，这是一种财务管理策略，用于分配收入以满足必需品、储蓄和娱乐。

Highlights

巴菲特通过投资可口可乐公司赚取了超过1700%的利润，赢得了227亿美元。

金融大亨索罗斯通过一次做空赌注赚取了10亿美元。

比尔·阿克曼通过做空美国国债在3个月内赚取了2亿美元。

尽管许多人通过投资获得巨额财富，但成为富有的人实际上不能依赖投资。

巴菲特在创立伯克希尔哈撒韦公司和购买可口可乐股票之前，已经实现了财务自由。

即使投资于回报率最高的公司，小额资本也不足以使人退休。

投资美国股市的标普500指数，长期平均回报率约为9.9%。

即使是投资高手，如彼得·林奇，长期年回报率为29%，巴菲特为20%。

在过去15年中，90%的大型主动基金的表现未能超过标准普尔500指数。

富人的资产主要来源于他们的私人公司，而非金融资产投资。

普通人群中，只有1%的人持有私人公司的股份或金融资产。

要成为最富有的人，需要依靠提供产品或服务来解决世界上其他人的问题。

巴菲特在20多岁时就已经实现了财务自由，他的储蓄和投资策略值得学习。

巴菲特通过送报纸、创业等多种方式在年轻时积累了资本。

实现财务自由的第一步是明确为什么需要财务自由。

财务自由没有固定的价格标签，它取决于个人的生活方式和需求。

要实现财务自由，除了投资外，还可以通过增加收入、减少开支等方法。

建立积极的朋友圈子对财务自由有积极影响。

财务自由不是一条容易的道路，需要持续的努力和正确的方法。

Transcripts

Buffett made more than 1,700% by investing in Coke Company, winning 22.7 billion.

Financial tycoon Soros made 1 billion in one short bet.

Bill Ackman made 200 million by shorting US Treasury bonds in 3 months

! Watching so many people make big money , how can someone be tempted not to enter the market and play with both hands?

But as a former banker who has been in the U.S. stock and bond markets for 10 years, I

can tell you frankly that to be rich, you cannot actually rely on investing

. The fact is that stock god Buffett

had already achieved financial freedom before he founded Berkshire Hathaway and bought Coca-Cola shares.

Becoming a rich man cannot rely on investment, because first you need to have capital to invest. Even

if you buy Tesla, NVIDIA, with their highest annual return,

if you invest 10,000 yuan, Tesla will increase by 700% in a year, and NVIDIA will increase by 300% in a year.

Haha, talking about percentages, of course it is very impressive,

but if you have a small capital, it will not be enough to make money. Let you retire.

If you buy the S&P500 index of the US stock market, the long-term average rate of return is about 9.9%.

That means if you invest 10,000 yuan, calculating the 9.9% rate of return every year

means that it will take you about 74 years. If you save 10 million Hong Kong dollars

, that is to say, even if you start investing at the age of 15, you

will have to wait until the age of 89 to become a multimillionaire.

Of course, if you say you only have 10 years to retire, you

will have to wait until you are 89. 10,000 yuan turns into 10 million, and the annual return rate needs to be 100%.

If you want to pursue an ultra-high rate of return

, it means that you have to bear an ultra-high risk.

For a company with an annual return of 100%, you may have to Invest in some high-growth start-up companies

or you have an excellent vision and a good fortune. But

what is the probability of success for this type of company?

It is usually very difficult to predict, and basically no one can predict

it all the time in the long term. Even if you find a stock that continues to rise,

you are a legendary investor. Peter Lynch's long-term annual return is 29%.

Buffett, the stock god, has

a return rate of 20%. The whole world has stood up, bowed and clapped.

In addition, realistically To put it bluntly, people are actually very bad at investing.

In the past 15 years, 90% of the returns of large active funds that try to capture market trends

have underperformed

the so-called most professional fund managers such as the S&P 500 market index. , have done so many analyzes and reports

, but the returns cannot outperform the market index.

Then you may ask, where does the wealth of the rich come from if it is not investment?

Research points out that the largest source of assets for the rich , that is, their private companies

invest secondarily in financial assets

. Among the bottom 50% of ordinary people , only 1%

of the bottom 50% of ordinary people hold shares in private companies

or financial assets. People's investment ratio is also very small

, and this ratio will increase as their wealth increases .

The proportion invested in private companies and financial assets will also increase

. To become the richest person, you still have to rely on using their products or services.

To help solve the problems encountered by other people in the world

is simply to do business.

My RainIsHere channel is also a start-up.

As the owner of RainIsHere start-up,

in addition to making videos, I usually have to take care of all the big and small things in the company.

Project Manager,

Accountant,

Marketing,

Video Producer

, and Cleaning Aunt

, I wear so many roles, it really takes up a lot of my time.

Thank you Odoo for sponsoring today’s video.

Odoo is a business management platform based in Belgium.

They have their own platform. The development of more than 70 applications

can integrate the entire company's business processes in one go.

It helps small and medium-sized

enterprises such as us. The daily operational processes and data are all on the same platform,

making it easier to manage.

We don't have to worry about things being scattered around. We need to use a lot. I have just finished cleaning up my time

, so now I will save time to focus on making better quality videos.

Although there are many different applications on the platform, it

is very simple to use.

Each business function has a corresponding application to manage

it. Just install it according to your company's needs

. Of course, if you start a business 10 times, you will fail 9 times.

The 10th successful start-up company

may have failed 9 times before.

Becoming the top 1%

depends on business, but it is not easy.

However, the stock god Buffett

had already achieved financial freedom long

before he owned Berkshire Hathaway and his business before buying Coca-Cola shares.

This is the wealth pyramid.

The top of the wealth pyramid is rich tycoons

, then the financially free people,

and the bottom is the needs

of ordinary people. There is a job but no freedom.

Many novice investors are trying

to learn from stock gods and giants like Buffett,

hoping to become rich like them.

Of course, it is definitely valuable to absorb their investment principles

, but I think it is more important. The important thing is to understand how he started.

If you are 12 years old this year and want to play football,

of course you have to look at what Messi was doing when he was 12 years old

, not what his life is like now that he has become famous, right? ?

Buffett already had $9,800 in savings

after he graduated from college.

By the time he was 25, he had saved $120,000.

Adjusting for inflation, that is equal to 1.4 million today.

He believed that he only needed to invest $120,000 in his capital every year.

The income generated from it is 12,000 yuan

, which is enough for him and his wife to live.

He also told his wife

that this compound effect will ensure that we will become rich.

Buffett, who is in his 20s, has achieved financial freedom at a young age.

How is his money? How can I get it?

Buffett did not have the capital to invest

in Coke Company shares at the beginning

. On the contrary, he worked hard to earn back the money.

He delivered newspapers when he was a student

and started a business in high school

, including renting out some ammunition. Earn passive income from bead game consoles

. He would pick up some second-hand balls at the golf course,

clean them and sell them to golfers

. He also opened a car washing company

. After graduating from college, he worked as a securities analyst at Graham Newman.

The 25-year-old is definitely not a rich man

, but his story clearly tells us

how ordinary people can achieve financial freedom

. Therefore, the first goal of ordinary people should be

to achieve financial freedom like Buffett did when he was young,

which is to increase his own capital. Earn your first pot of gold

here. I want everyone to do us a favor

and subscribe to our channel.

Right now, only about 40% of our viewers have subscribed.

I hope this number can rise to 50%.

One of your subscriptions can definitely help RainIsHere go further.

Thank you for helping

more people.

Today I will show you

how to achieve financial freedom in three steps

. The first one is Start With Why.

Many people don’t know how much money is enough to buy their freedom.

I might casually say 10 million. , 50 million is enough, right?

I remember that when I was in my 20s,

the price tag I bought for my freedom was not very expensive,

because at that time I simply thought

that the freedom I wanted most was to be able to choose to work whenever I wanted.

You can do things with whomever you want

, but you don’t have to do nothing

, so my free price tag at that time was about 10,000 Hong Kong dollars per month.

As we age, many people’s burdens will increase,

so after some people are over 30 years old, the price tag may has risen sharply

, so we need to first know why I want this kind of financial freedom.

Without a clear goal

, it is difficult to plan what we will do next.

Everyone’s motivation for freedom is different.

Some people want to live in a big house

, and some people may want to live in a big house. Just say, no, do I want to travel around the country luxuriously

or do you want to be healthy

or have a lot of free time?

The things you think about when you are 20 and when you are 40 may be different.

If you just want To live a simple life,

you may only need 1 million

to move to Southeast Asia and

you will have freedom.

But if you want some very luxurious life

, you may need 50 million to be free,

so this financial freedom is not a rigid number.

There is no specific price tag

. Of course, if you are completely satisfied with your current life

and the job you are doing

You don’t need to choose financial freedom,

but at any stage of your life

you may face health problems

, economic deterioration, unemployment, etc.,

and you will suddenly want financial freedom again,

so you want to Things may change with your age

. The second step is

How?

If you are 35 years old

, even if you have an annual salary of 750,000

plus expenses and

can save 200,000 every year,

it will take 50 years to save 10 million.

Therefore, it is basically impossible for

ordinary people to achieve the goal of early financial freedom by relying on monthly savings alone

. Since a job cannot make you financially free,

what you can do are four things.

First, increase your income.

Second, reduce expenses.

Third . , significantly lower the price tag of your financial freedom

, or even give up financial freedom.

If you are not planning to give up financial freedom, if

you choose one, two, or three,

there are actually a lot of things for us to continue to do.

What is our next step

?

Of course . Of course I have experienced it myself,

whether it’s when I get up,

when I’m working,

when I’m taking a break, when

I’m in the car, when I

go to the toilet, when

I’m aimlessly scrolling on the phone

, in short,

isn’t it just those pages that I keep refreshing?

But my fingers seem to be addicted and

know it. It’s a waste of time.

It’s still like this every day

. But when you look back

, many people say that they don’t have time to read.

Ask yourself

, apart from your regular job,

what do you do

when you are off

work

? Do most people say

to travel

and make appointments ? When your friends

are shopping

and eating,

check the phone and see

how many people will actually read books or courses on financial freedom,

financial management, entrepreneurial investment, etc. in the 30 minutes of free time on

the phone

? Then look at your expenses to see

if you haven’t done it yet. Rich people

are already doing it.

What about buying things that only rich people will buy?

Goals like 10 million or 50 million

in themselves will not change your life.

What can change your life

is what you do every day.

Simply put,

how much do you spend working hard every day

? The goal that takes the most time

to help you achieve

is to continue doing the work you don’t want to do.

Although you want to be free

, even if you have free time, what you

do is not the way to achieve financial freedom

because you are not using your time to increase your income

or reduce your expenses

. Think about

what you do every day

that will bring you closer to your goal.

Conversely, you can also write down

how much time you waste every day

before doing something that is further away from your goal.

I have made many videos

introducing different methods of passive income

. If you are interested, you can take a look

. So what can we do?

The first rule of financial management

is this 50, 30, 20 rule.

50% of your income should be used for your necessities and

20% should be used for things you want,

including study or The remaining 30% for leisure and entertainment

is used for your savings

investment or to pay off your debt.

So how can you make more money?

You may say

it is not investment?

Buy stocks or buy a house?

Are there any other ways to increase my income ? What about your income?

As a wage earner, you have very little time

and you have to research stocks and real estate.

Or should you just watch YouTube

and get stock numbers online

and win with one bet?

In your limited time,

I would suggest you sit down and think about it. I want to

seriously write down

5 ways you can possibly increase your income.

The advantage of writing down is that

you can basically know immediately

what your shortcomings are

and give yourself some daily tasks that you can do

to make up for these shortcomings

. For example, An extra income is that

I want to do a side job.

If you are good at designing pictures,

you can put some templates of

your designed things on the platform

and sell them to earn extra income.

So your daily task is

to compare different platforms.

Research

, and I have to draw and design for 30 minutes every day.

Another way is

if I want to start a business, your daily task is

to take some entrepreneurial courses

, read some books about marketing,

participate in some industry activities

, get to know people in the industry, etc.

If you are If you want to increase your income

by getting promoted and adding labor

, your daily task is to work harder than others, strive for performance

, learn,

and strengthen your ability and competitiveness to do things.

If you want to invest in stocks

to earn passive income,

then your daily task is If you want to learn about investing,

learn about the market

, understand what asset allocation is, etc.

, or read some investment books, I

already have Rain’s book list

in the information column below

, or you can sign up for our

7 must-know books for Zhuzhu to become a professional investor. Study

for 30 minutes every day

, yes! Earn more , yes! The so-called making more money

is a skill in itself

, which means that you need to learn, practice

and take time

to not make a profit for nothing.

You may turn around and say

Rain again. Some mothers are women's things,

yes! It sounds like a very simple principle

, but the fact is that

many people in the world

are still unable to achieve this financial freedom.

According to S&P research,

two-thirds of people in the world

are actually so-called

Financial illiterate

. Illiterates

tend to have insufficient income, pay

credit cards, etc.

Another thing I think needs to be done

is to establish a positive circle of influence from friends.

This is a study on the impact of rich friends

on ordinary people's finances.

If you know 10% more of these rich people My friend,

the possibility of you participating in this stock market investment will increase

, and your participation in savings will also increase.

About 1.5% of people in the world

are multi-millionaires.

It is unfair that they own nearly half of the world's wealth

!

You may They say they are unscrupulous

vampires

who have taken over so much wealth in the world

, but the fact is that

80% of these rich people

are actually self-made.

I am not calling you here

! If I want to find a circle of rich people,

I won’t look for the ones before. Friends,

the key point here is

not to hate rich people,

try to get to know them more

and learn their thinking about work and money.

Finding a rich person to be a mentor

is also a good start.

Do you want financial freedom

or do you need financial freedom? What?

They are two different things in themselves

, so I always

thank myself

for coming from a humble background

. Well,

that’s what the saying goes.

Money can't buy a poor boy,

right?

Haha ,

so being in adversity

is actually a big driving force for me.

You don't need a rich dad

to be successful.

Think and Grow Rich

is one of my favorite books. It also

points out that

the way to success begins with

a strong desire to succeed

, which means that many successful people

actually rely on a big fire in their hearts,

but a life that is too comfortable and mediocre

will only make you a mediocre person

. I definitely don’t think financial freedom

is an easy road.

I hope the Why?

How?

and What?

I just gave you

can help you

. I am working very hard to run RainIsHere, and I

often end up very late

in building my own business. Sometimes

you have to kick

everything as if it's none of your business,

so a good business management system

like Odoo

can improve your work efficiency

and reduce the burden of paperwork on your colleagues.

If you are interested,

you can click on the link below.

Use it for free for 15 days

or talk to an Odoo expert directly