저자: 미상 · 외국인
요약 보기
워런 버핏이 말한 투자 실수 5가지를 소개하며 저축 습관, 시장 타이밍, 충동적 종목 투자, 부채 회피, 자기계발 투자의 중요성을 강조한 자기계발형 영상이다. 영상의 배경: 내레이터는 가난한 대학생 시절 부의 원천이 궁금해 버핏의 책·서한·인터뷰를 찾아봤고, 부자가 되는 핵심은 복잡한 기술보다 기본적 실수를 피하는 데 있다고 결론낸다. 실수 1 - 저축 습관 부재: 버핏에 따르면 가장 큰 실수는 저축 습관을 들이지 않는 것이다. 돈을 많이 벌어도 저축을 못 하면 가난에서 벗어나기 어렵다. 근거: 소득이 높아도 과소비로 남는 돈이 없는 사람들의 사례를 들었다. 실수 2 - 시장 타이밍: 젊은 투자자들이 소액 자산으로 시장 타이밍을 노리다 손실을 본다. 버핏은 시장 타이밍을 시도하지 않는다. 근거: 내레이터 본인도 여러 번 이 실수를 했고 원금 회복조차 못 했다고 밝혔다. 실수 3 - 충동적 종목 선택: 버핏의 말로 '10년 보유할 생각이 없으면 10분도 보유하지 마라'를 인용한다. 재무제표 확인 없이 유행만 보고 투자하는 것을 경계한다. 근거: FTX 사태를 예로 들어 실사(due diligence) 없이 투자하면 위험하다고 지적했다. 실수 4 - 과도한 부채: 부채 활용은 일부 경우 도움이 되지만 대부분은 규율이 부족해 파산한다. 연 18~20% 수준의 신용카드 부채는 파산으로 이어진다고 경고하며, 신용카드 빚을 가장 먼저 갚으라고 권한다. 근거: 레버리지 거래 한 번의 실패로 남은 자산까지 날리는 사례를 들었다. 실수 5 - 자기계발 투자 소홀: 자신에 대한 투자는 10배로 돌아온다는 주장을 펼친다. 주식을 고르기 전에 본인의 기술, 재무 지식, 사회성에 먼저 투자하라고 조언한다. 근거: 많은 사람이 주식 정보는 찾으면서 재무제표 공부나 기본 교육에는 투자하지 않는다고 비판했다. 결론: 특정 자산의 가격 전망이나 매매 추천은 없으며, 전체 메시지는 저축·장기투자·부채 관리·자기계발을 기본으로 삼으라는 일반 원칙이다.
다듬은 글
Back when i was a broke college student who received zero financial education from his parents, the only question that bothered my mind was - How on earth do these rich people make billions of dollars. while the fed is raising the rates, the stock market is collapsing, the housing market is about to implode, but this (Bernard Arnault) made 32 billion dollars.
I mean, if i would make just 1/10th of that money, i would be the happiest person in the world. even 1 percent of that money is 320 million dollars. thats the kind of money that can buy you literally anything you want, not only you but your kids, your grand kids. thats it! congratulations! you are forever rich!
no one in your next 3 or 4 generation at least be poor. So do i make that kind of money? I don’t have rich parents. in fact, despite that I absolutely love my parents, they taught me nothing about money, not because they didn’t want to do that, but because they are financially illiterate, because if they have been, they would have taught me something or gave me a small loan of a million dollars and i wouldn’t be a broke college student.
What i didn't understand is that, most people on this Forbes list have made so much money from nothing. Some time in the past, when they young teenagers or adults, they might have been as broke as me. so the question that i have been wondering is - if these people with no money in their pockets made so much money, why cant i make at least 1 percent of that money?
before jumping into anything, i first have to figure out what i need to do. So, here are the rich people who don’t share anything about their lives or business so i am going to completely ignore them because its a waste of time but here the rich people who took the time to share what made them so successful.
one of them is Warren Buffett. I am not a fan of being rich where i am so old that i cant enjoy that money, whats the point of that money if i cant use while I am a young, handsome and strong. There is no point of making money if you are not going to use on yourself, your family, or a cause you believe in, doesn't matter, helping poor people, saving the planet or pay tuition for kids who cant afford it.
But if i can make a few million dollars while i am young following his advice, the rest, i will figure it out. so i bought a bunch of books about warren Buffett. I went online i started reading his letters, watching his interviews, speeches and whatever i could find. i was surprised that becoming rich is often not repeating stupid, dumb mistakes.
if you just avoid some fundamental mistakes in your life, you are going to be rich. its sounds so simple that it feels like a scam. I decided to give it a shot. surprise surprise, i did not become a billionaire. By avoiding these mistakes and focusing on my business, I actually built something that made me financially free.
So it doesn't matter how you planning to get rich, it could be by building a business like in my case or building a sold career, the advice is the same. you should avoid these mistakes at all cost. Number 1. According to Warren Buffett, the single biggest mistake that most people make is is “not learning the habit of saving properly.” It sounds boring, and you have heard it a million times.
but everything comes down to this. it doesnt matter how much money you make, you going to stay poor unless you master this habit. i know people who make way more money than I do, and yet every time i talk to them, they complain they cant afford this or that. they are worried if they are going to get fired or the economy will fall into a recession.
The only question that i have, what on earth did you do with all of that money that you have made the last 5 years. You could achieve easily saved up that money and no matter what happens you would have been fine. But no, you satisfied your urges and bought expensive crap that today holds no value. Here is how people become rich, its very simple.
you patiently save enough money that makes enough money that pays for your basic bills, you are financially free. now you can afford to do whatever you want to make a lot more money. you are not tied to anyone, you are not accountable to any boss, you are obligated to waste your time doing anything that doesnt satisfy you or make you even more money.
so from there you are going to make hundreds of millions if not billions of dollars. but thats not going to happen, unless you master the habit of saving money. the second mistake that most people make is trying to time the market. With all of this brain power, experience, wisdom, you name it. He never tries to time the market and then you have these 20 year old kids who barely saved up a few thousand dollars are trying to make millions of dollars by timing the market and calling the people who actually made billions of dollars - fools.
When there is a market rally they are laughing because everything is growing and then out of nowhere the market collapse and they lose everything, because they have bet everything they saved. They avoided the first advice, save money, don’t gamble that money, your job is to build capital and not play with it trying to time the market.
When I got into the stock market for the first time, I did this mistake multiple times. Although I did make some money, but I have also lost a lot of money. I didn’t even remember beak even. So the question is, what kind of stocks you have to buy. That takes us to the next point. “If you aren’t thinking about owning a stock for ten years, don’t even think about owning it for ten minutes.” Nowadays people throw their life’s savings on something just because everybody talks about it.
Just because it’s trending, just because its cool. Yo Man! You barely saved that money! How could you possibly throw it into something you barely know anything about!? Did you read its financial statements? Did you analyse its income statement? Have you seen their latest cashflow? Do you have any idea how the company plans to grow in the next 5 or 10 years?
You haven’t done any of those things, but you still decided to bet your life’s savings. ftx is a great example, its crypto of course. But it had exposed us! We are willing to throw our money blindly into something we have no idea about it and then blame wall street for everything. Where were your due diligence.
So, before you invest in anything. Are you confident enough to hold that investment for 10 years? be it a business, real estate, stock or crypto. Trust me the answer is going to be NO in 9 out of 10 cases. You have no idea how much money you are going to save. the next one is simple and yet people fall for it every single time - avoid debt at all cost.
Its true that debt can be pretty helpful in some cases, but a lot of people don’t have the discipline to handle debt. Leverage gives you all these options, but the number of people who actually go broke because the reality didn't match with the their plans. But because they have leveraged their positions, that single trade or that single deal destroyed whatever was left off their wealth.
If you’re smart, you’re going to make a lot of money without borrowing.” And I didn't even mentioned the credit card debts. If you are borrowing money at 18 or 20 percent. You are guaranteed to go broke. you are not going to make it. So, if you have any kind of credit card debt, the first thing you should do is pay off that debt.
And finally, Anything you invest in yourself, you get back tenfold. I hear this all the time. What stock should I buy? What properties should I buy? Where should i invest my money? let me ask you a genuine question - when was the last time you invested in yourself? i am not talking you buying one single book on financial education 3 years ago.
If we take out school and college, how much money you actually put into developing yourself? Thats the problems with most people. They are ready to throw money into the stock market without having any clue of whatever besides watching someone online telling them to do so and so, but they hesitate to go to a webinar to improve their social skills or accounting class to learn to read financial statements.
You are a project! you are a project of your own. What you make out of yourself at the end of the journey is what matters the most. So, don't ignore yourself. Start by investing in yourself, in your skills, in your comfort, in your peace of mind.
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