저자: 미상 · 외국인
요약 보기
이 영상은 찰리 망거(Charlie Munger)의 부자 되기 원칙을 소개하며, 부자가 검소해 보이는 이유와 소득을 현명하게 쓰는 방법을 다룬다. 부의 3가지 경로로 복권 당첨, 상속, 근면한 노력이 제시되며, 복권과 상속은 통제 불가능하므로 노력이 가장 현실적이라고 설명한다. 영상은 망거가 1961년 Otis Bus와 함께 20만 달러 규모 부동산 투자로 400% 수익을 냈다고 언급한다. 핵심 원칙은 지출을 낮게 유지하고 부를 과시하지 않으며, 부자는 지출보다 자산 증식을 우선한다는 점이다. 부유층은 벌고, 저축하고, 투자하고, 소비하는 순서를 따르지만 빈곤층은 벌자마자 소비한다고 비교한다. 권장 지출 비율로 저축·투자 최소 20%, 주거비 소득의 25% 이하, 식비 등 필수품 15% 이하, 차량·교통 10%, 오락 10% 이하, 여행 5%가 제시된다. 차량은 도요타·혼다 같은 실용적 브랜드가 유지비 측면에서 유리하다고 한다. 부자 유형은 저축·투자형, 유니콘 기업 근무형, 전문가(버츄오소)형, 꿈을 쫓는 기업가형 네 가지로 나뉜다. 영상은 자신의 유형을 고려해 경로를 선택하고, 투자 시 위험을 신중히 고려하라고 조언한다. 영상에 특정 종목이나 자산에 대한 가격 방향 예측은 없다.
다듬은 글
Charlie Manga's Wisdom: Why Millionaires Seem Broke and How to Earn and Spend Money Wisely. Are you curious to learn how millionaires get rich? Perhaps you dream of living and spending like them. If so, then this video is just right for you to gain insights into their secrets and make your millionaire dreams come true.
In this video, I'll show you how Charlie Manga managed to rise from a low-income household to the heights of wealth. You'll learn why many millionaires seem to have no money and how they actually use the money they have. Finally, the video will show you some of the most effective money-making tactics used by millionaires and how you can adopt them to improve your financial status.
Let's begin. Charlie Manga is one of many millionaires who show that anyone can become rich. There are three well-known methods to achieve wealth: Number one: Acquiring a fortune through a lottery win. Number two: Receiving an inheritance from a deceased relative. Number three: Working extremely hard and smartly for your money, even though options 1 and 2 may seem like the easiest way to become wealthy.
Ironically, they are the least effective option when it comes to number one. The chances of winning the lottery in life are about the same as being struck by lightning 47 times. That 's obviously an exaggeration, but it shows how difficult it is to win the lottery compared to the number of giant trees in a desert.
It might be tempting to choose the second option, but that's not in your hands. I would strongly advise you not to depend on someone else's death to finance your ambitions. There's also no guarantee that your wealthy family member has included you in their will. Instead of dreaming and waiting for something beyond your control, it's better to focus on what you can control.
That leaves only one last option: to exert yourself and work hard and smartly. This is how Charlie Manga increased his fortune from 0 to millions. The best part is that you can do it too. Even if you don't consider yourself particularly gifted, you can work your way up the wealth ladder if you have a sharp mind and the ability to understand language.
Before we explore the secrets of climbing the wealth ladder... Let's take a look at the life lessons of Charlie Mango. Charlie Mango achieved great financial success primarily through investments in real estate and stocks. In 1961, Mango made the unlikely leap from poverty to the middle class when he partnered with Otis Bus to acquire real estate.
This venture proved to be a turning point in his life. Just a few years earlier, Charlie Mango had been in a less than ideal financial situation, having had to part with a significant portion of his assets after his divorce. Fortunately, Otis Bus came along at just the right time, leading to an ideal business partnership for both of them.
In 1961, Charlie Mango and Otis Bus were able to achieve an astonishing 400% return on their $200,000 real estate investment. Charlie Mango used the knowledge he had gained from building and reselling properties to make a name for himself. He believed this was an efficient way to quickly become wealthy, which ultimately proved true.
Unlike many other investors, Charlie Mango and Otis Bus chose to reinvest the profits from their real estate investments. Mango observed that apartments in the lower... Since apartments on lower floors were in higher demand than those on upper floors, he dedicated himself to building apartments on the lower floors, knowing that the demand for these apartments was so high that people would be willing to pay a higher price for them.
Thanks to his dedication and smart decisions, Mangel was able to climb the ladder from average person to millionaire. After following the same steps, his net worth multiplied from millions to billions in just a few years. His path to the top had some stumbling blocks, but his determination and perseverance were unwavering.
Ultimately, these qualities were crucial to his success. So what helped Mango become a millionaire and eventually a billionaire in such a short time? The key to becoming a millionaire is n't magic, but an open secret followed by everyone who has achieved wealth. The key is to keep your expenses low.
It's so simple: you're not envious, you're not resentful, you don't overspend your income, you remain charitable despite your problems, you associate with reliable people, and you do what you need to do. You should, and all these simple rules contribute to improving your life. If people cannot follow this principle, they may gain financial wealth in the short term, but lose it again within a few years.
You must resist the temptation to flaunt your wealth when you come into it. Wealthy people focus on increasing their wealth before increasing their spending. Middle-class people strive to protect their income by trying to save and preserve what they have earned. The less fortunate tend to spend what they have earned quickly and miss out.
The following describes the spending habits of people from different socioeconomic backgrounds, for example, the wealthy, the middle class, and people in poverty. Wealthy people earn, save, invest, spend. Middle-class people earn, save, spend. People in poverty earn, spend, earn even more, spend even more.
So, if you meet a wealthy person who seems to be broke, you should n't assume they are making bad financial decisions. Their strategic financial decisions, combined with their financial expertise, have helped them get to where they are now. If you want to join the millionaire club soon, you should strive to save and invest more money than you have been used to.
People with limited financial resources often fail to set aside money for savings and investments, leading to financial instability. Ideally, you should set aside 20% or more of your annual income for savings. It's also best to keep housing costs as low as possible. You don't have to settle for the most expensive houses if you're not already a millionaire.
In general, millionaires prefer to limit their housing costs to no more than 25% of their annual income. This gives them flexibility in saving and investing money. The goal of those who are financially savvy should be to accumulate wealth, not just appear wealthy. No more than 15% of total income should be spent on food and other necessities.
If you're spending more than 15% of your income on food, it's time to rethink your budget and look for ways to cut costs. A good way to reduce food expenses is to eat out less often and look for more affordable but high-quality restaurants. Now that the cost of food and housing is increasing... Once your basic needs are met, you should consider how you want to use the rest of your income.
Doing nothing with it is not a good option. You have many options when it comes to your expenses, for example, transportation, cars, vacations, entertainment, and much more. Generally, 10% of your income should be allocated to motor vehicles and transportation-related costs such as fuel, insurance, and so on.
However, this percentage can vary slightly depending on specific circumstances. Your place of residence and the frequency of your commute have a significant impact on the amount. Most wealthy people prefer practical cars like Toyota, Honda, and others, as these are cheaper in terms of maintenance and operating costs than luxury brands like BMW or Mercedes.
Even if these products may not look flashy or stylish, they can still help reduce maintenance costs and offer added value to users. When it comes to entertainment, it's best to limit yourself to 10% or even less. Entertainment, unlike basic needs such as food and shelter, is more of a pleasure than a necessity.
It's not advisable to spend a large portion of your earnings on something that only provides short-term enjoyment. On the other hand, it can be important to take a break and have fun, because too much work without a break can be detrimental to your health. And mentally exhausting. Many millionaires spend 5% of their income on vacations.
You could easily apply this approach as well. The remaining 15% of your income could be distributed between investments and an emergency fund. People with higher net worth tend to set aside an emergency fund for unexpected events. They approach saving and investing differently. Some use a portion of their savings for investments, while others keep their wealth and savings separate.
Regardless of the strategy, it's important to leave some money uninvested to protect it from stock market fluctuations. So you're wondering how you too can become a millionaire. To know how to become a millionaire, you first need to understand the different types of millionaires. Generally, millionaires can be divided into four different categories.
It's likely that every millionaire you know fits into one of these groups. The first category is savers and investors. These people focus on saving and investing and are constantly looking for creative ways to increase their wealth. They may have a regular job, but their financial knowledge gives them an advantage over their colleagues.
Investor millionaires are most comparable; they don't possess any special skills or contacts to achieve this status, but they know how important knowledge and consistency are to reach it. The second category is the millionaires who have amassed their wealth by working for a unicorn company. By contributing to the business and expanding their connections, they managed to reach the top.
They are fully dedicated to their work and always strive to give their best. The next category is the virtuosos. This group of millionaires possesses an impressive level of expertise in their field and is duly rewarded for their skill and know-how. To be a virtuoso, one must complete formal training.
Chris Du, the founder of Founder, is a prime example of such excellence. The last category is the dreamers among entrepreneurs. These people have enormous ambitions and big dreams, ranging from starting their own company to becoming a big singer or car dealer. They enjoy their work and will continue to do it regardless of whether they ever earn a cent.
They are driven by love and passion, and their earning potential is limitless. Ed Sheeran and FAS Golden are two of the most influential people in the world, both known for their ambitious entrepreneurial goals. Therefore, they can be described as dream entrepreneurs. After learning about the four categories of millionaires, ask yourself which one you belong to.
If you want to reach the top of the career ladder and work in one of the world's leading companies, you should consider becoming a high-flyer. If you want to excel in your academic studies to become a leader in your field, then becoming a virtuoso millionaire is a good option. If you have a skill or ability that you pursue with passion and joy, becoming a dream entrepreneur could be worthwhile.
If you are looking for a more traditional path with less competition, investing as a saver might be more suitable. As a saver, you have investment options such as high-yield stock ETF portfolios or funds like the SNP-FI fund available to you. Before deciding on a path, you should consider the potential risks and proceed prudently.
If you want to become a millionaire, you must ensure that your money is not wasted, including on investments. I hope you have taken something away from this video. Thank you for watching and see you next time! By the way, we have two more videos here that you might also be interested in
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