Money | Mindset | Investing

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Basketball made LeBron James a millionaire, but his business mindset off the court made him a BILLIONAIRE!

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Start your thriving online business just like I did, with KAJABI!

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This scene from Stranger Things is a metaphor for life. From the importance of friendship to never giving up, this will move you emotionally and is paired with the perfect song, Running Up That Hill!

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Fidelity Investments is the only mobile app that gives me the ability to trade for free, pay bills, manage cash, make bank transfers, deposit checks, check the financial news, buy fractional shares for as little as $1, and more in an easy user friendly design. It does everything, and that’s why it’s the best investing app.

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President Biden along with Fed Chair Powell are determined to combat inflation. Learn why a commodities ETF, bond market index fund & stock market index fund can help you weather the inflation storm!

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Discover how to get motivated instantly. It all comes down to knowing the reason behind why you’re doing what you’re doing. You need to know your why. Do this to get motivated instantly.

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Do This To Get Motivated Instantly

✅ How can I get motivated? And then how do I stay motivated? It all comes down to knowing the reason behind why you’re doing what you’re doing. You need to know your why, and if that isn’t strong then the motivation is gone.

✅ So the bottom line is that getting motivated comes down to knowing in your heart the deep and meaningful reason why you are doing something. When you lack motivation it's because you forgot why you're doing what you're doing in the first place. This is normal and happens to everybody. Write down your why and remind yourself of that purpose when you're feeling tired, weak, lazy, or uninspired.

✅ Pro tip, if your why is for a loved one it will be ten times more motivating than if it’s for yourself. This is because people will do more for others than they will do for themselves.

✅ If you really want to get motivated instantly then anchor your why to the most powerful emotion in human existence. Love. Write it down, keep a picture on your phone or a quick video you could pull up to remind yourself why you do what you do. See the people you’re doing it for, hear their voice, anchor the feeling deep in your heart and I guarantee you that motivation will come rushing like a hurricane.

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Go beyond the surface of Travis Barker's home tour to catch a glimpse into his optimized mindset, and relationship with Kourtney Kardashian.

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I’ll break down what could possibly happen next for the deal to come together, or fall apart. I’ll also show you how to profit in the short term using call options, and what I recommend instead for the long term. Everything you need to know about Twitter stock and Elon Musk is right here.

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Discover why more money won't solve all your problems unless you work on your mindset first. Learn the power to change your habits, so that money actually can help you solve problems.

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Can More Money Solve My Problems?

✅ Can more money solve my problems? No. That’s the short answer because money is just a tool that affords your quality of life. If you have poor spending habits with a little money, you’ll also have poor spending habits with a lot of money. So unfortunately your financial problems are only going to get bigger. The good news is that you have the power to change your habits, and it all starts with your mindset. Let’s examine how Evander Holyfield, Nicholas Cage, and Heidi Montag went from fortune to misfortune.

✅ World Champion boxer Evander Holyfield took his fair share of punches not only in the ring, but also in life. Despite earning an estimated $230 million over his career, including a $33 million purse for fighting Mike Tyson, Evander Holyfield continues to fight financial collapse. So what went wrong?

✨First was lifestyle. He overspent his money on a lavish lifestyle that was simply not sustainable.

✨Second was gambling

✅ Nicolas Cage was one of the top grossing actors in the 90’s and early 2000’s. He was worth a whopping $130 million from films such as Gone in Sixty Seconds, National Treasure, Snake Eyes and more. Rumor has it that in the year 2009 alone he made $40 million! So what happened?

✨Lifestyle creep, which means the more money he made the more money he spent.

✅ Heidi Montag. This reality TV star got really popular through her role as Lauren Conrad’s best friend turned enemy on the show “The Hills.” She earned most of her fortune from that show over four years, plus her appearances on other reality TV, including “Celebrity Wife Swap.” At the peak of her career, she had accumulated a $10 million fortune. Here’s what went wrong.

✨First, an expensive debut album failed as she attempted to break out in the music business.

✨Second. Lavish spending, including an estimated $1 million dollars on handbags and an additional $1 million on clothes.

✅ Do you notice the pattern? Lavish spending, lifestyle creep, poor spending habits…whatever you want to call it, this is why more money can’t solve your problems. Unless…

✅ …You work on your money mindset to develop good money habits such as keeping a monthly budget, and saving and investing for retirement. The more you can automate these habits and create a money routine for yourself the better.

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Asset bubbles burst when money begins to tighten and that’s exactly what is happening in the crypto market crash of 2022. Panic selling in TERRA exposed the instability of LUNA, resembling an old fashioned "run on the bank."

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The stock market is crashing in 2022 because the Federal Reserve is tightening monetary policy. In other words interest rates are rising which makes the stock market less attractive relative to other investments such as bonds, real estate or even cash.

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Discover how to fight low energy from the moment you wake up. Learn the blueprint to feeling energetic and ready to dominate the entire day. Do this tomorrow morning for tons of energy.

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Low Energy? Do This Tomorrow Morning

✅ How do I get more energy? I’m always tired and exhausted and I feel like I’m on a treadmill that keeps going faster. How do I fight the low energy feeling as soon as my alarm clock starts screaming in my ear to wake up?! Don’t worry I’m going to show you how to fight low energy from the jump and give you the blueprint to feeling energetic and ready to dominate the entire day. I’ve watched and learned from the most successful and celebrated people in the world and I realized that what sets them apart are their daily routines and habits. Specifically, in the morning.

✅ Kevin Hart seems to have energy that never quits. So how does he do it? He has a consistent morning routine designed to produce the energy he needs for his crazy ambitious schedule. Before many of us are even awake Kevin Hart has already hit three anchoring rituals in his morning routine.

✨ Wake up early

✨ Eat a healthy breakfast

✨ Get in a great workout

✅ Rihanna is a very busy and ambitious woman, so how does she find the energy for all of this? According to Rihanna it all starts with her daily routine and habits. In other words there are three key rituals that anchor her morning routine.

✨ Wake up early

✨ Eat a healthy breakfast

✨ Workout.

✅ Dwayne Johnson, The Rock, is arguably the hardest working person in entertainment. Clearly there isn’t an issue with low energy but that’s not because it’s gifted to him, but rather it’s a result of his morning routine. Again the same pattern emerges, so if you’re ready to fight low energy then do this tomorrow morning.

✨ Wake up early

✨ Eat healthy

✨ Work out

✅ My morning routine looks like this and I’ve broken it down into 4 key anchors.

✨ First I wake up one hour earlier than I “have to,” which is 5:30am.

✨ Second, I work out for at least 20 minutes.

✨ Third, I do what I like to call a gratitude prayer for 3 minutes. This is where I dedicate time to thank God for anything that pops into my head that I’m grateful for. It could be anything at all, big or small, and I do this because it puts me into a really positive head space which I find to be very energizing.

✨ Fourth, I drink my breakfast which is a really healthy smoothie I mix in the Nutribullet. It’s a plant based powerhouse of mixed greens, frozen fruit, nuts, seeds, soy milk and water.

✅ The bottom line is to set up rituals and routines in the morning that get your mind, body and spirit ready to conquer the day. After that, you’ll be unstoppable.

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Discover how to stick with your budget and learn exactly what you need to succeed. Find out the key ingredients successful people use to stay disciplined. This is budget discipline that actually works.

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Budget Discipline That Actually Works

✅ OK, so I made a budget but how do I stick with it? What’s the budget discipline that actually works? Don’t worry I’m going to show you how to stick with your budget and give you exactly what you need to succeed. I’ve done the research on budgeting and discovered the key ingredients successful people use to stay disciplined. The best part is that this stuff actually works.

✅ Pro tip number one. Create your monthly budget before you get paid. In other words don’t react to your paycheck arriving to start creating your budget. Instead know how much money is coming into your bank account and when it’s going to hit, so that you already have a plan in place.

✅ Pro tip number two. Set up regular check-ins. Open up your Google calendar and set up meetings to ensure you’re on track. These meetings can be mid-month, weekly, or whatever works for you. And be sure to include anyone else in your household that impacts the budget.

✅ Pro tip number three. Automate as much as possible. It’s never been easier to move money around on autopilot with the features offered at most online brokerages and banks. Utilize the automatic withdrawal feature to move money from one account to another. Then use the automatic investment feature to invest your money on autopilot. Set it up once and run it forever.

✅ Pro tip number four. Set up credit card alerts. A great way to stay on track is to set up automatic alerts that either text or email you when you’ve spent a certain dollar amount. This takes the onus off of you to check your recent transactions and instead puts it on the credit card provider to notify you when you’ve spend 500 bucks, a thousand bucks, or whatever threshold you decide.

✅ Now if you’re one of those people out there that have already tried these tactics and you’re still having trouble sticking to a budget, stick with me for the next 30 seconds as I show you some next level strategy.

✅ First of all, set the standard. This works for anything in your life, not just budgeting. If you set a high standard for something you will become that or achieve that goal. If you tell yourself I have a budget, I stick with my budget and I am a person who has budget discipline then it will be real.

✅ And after you set high standards you need to understand why you’re budgeting in the first place. If it’s a vague and unimportant reason like I want a million dollars you’re going to have to dig deeper than that. Maybe you want to take your family on a Disney vacation while your kids are still young; maybe you want to surprise your fiancé with a new car with a big red bow on it like in the commercials, or maybe you just want to eat at the really nice restaurant once a month to connect with the people you love and have quality time.

✅ Whatever the reason is; know your why. It will help you tremendously with budget discipline that actually works.

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Discover the easiest budget you can start using right away. Learn how to budget using the pay yourself first method.

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Easiest Budget Method

✅ How do I make a budget that is so easy I can do in on the back of a napkin in just a few minutes? Don’t worry I’m going to show the easiest budget method you can start using right away. I did the research on every possible budgeting method in order to find the easiest one for super busy people that don’t have time to waste on the small details that don’t really matter in the grand scheme of things.

✅ The pay yourself first method is really simple. The idea is to decide how much of your monthly income you want to dedicate to saving and investing for your future goals, and how much you want to dedicate to getting out of debt. The rest you just spend freely as you wish.

✅ This is by far the easiest budget method and it also happens to be my personal favorite for three reasons.

✨ First of all, it’s really fast and in today’s world where it seems like time is going by at ten times the speed that it used to that’s really important. I mean seriously, you just make two decisions and you’re done budgeting. Move on with living life, and at the end of the day isn’t that what really matters?

✨ Second, the pay yourself first method puts the priority on saving and investing for your future. This is the biggest area that people usually forget about but it’s the most important for building wealth.

✨ Third, the pay yourself first method puts the second priority on getting out of debt.

✅ Quick Example: Here’s Lester the Investor to demonstrate exactly how easy this budget really is. Lester makes $3,500 per month.

✨ In step 1, Lester decides to dedicate $1,000 to saving and investing for his future and big money goals.

✨ In step 2, Lester makes the decision to dedicate $500 each month to getting out of debt.

✨ That leaves the remaining $2,000 for Lester to spend however he wants.

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Discover the most accurate budget you can start using right away. Learn how to budget using the zero based budget.

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How to Budget | Most Accurate

✅ How do I make a budget that is so accurate I’m going to know where every single dollar is going before my paycheck even hits my bank account? Don’t worry I’m going to show the most accurate budget you can start using right away. I did the research on every possible budgeting method in order to find the best one for analytical people that really want to get into the details.

✅ The idea behind a zero based budget is simple. Money in minus money out must equal zero. By using this budget method you are creating a plan for every single dollar.

✅ Quick Example: Xavier the saver is here to demonstrate how to put together a zero based budget.

✨Step one; write down your monthly income. Xavier’s is $4,000

✨Step two; write down all your monthly expenses. These include your necessities, plus all the stuff you want, and finally your financial stuff (like saving, debt payments, and investing) • Food - $500 • Mortgage - $1,725 • Utilities - $300 • Transportation - $100 • Clothing - $50 • Netflix - $10 • Disney+ - $10 • SiriusXM - $5 • Date nights - $100 • Amazon - $30 • Car payment - $300 • Roth IRA - $100 • Donation to charity - $20 • Student loans - $100 • Emergency fund - $100 • Vacation fund - $500 • Mani Pedi - $50

✨Xavier’s expenses total $4,000 which leads us into step 3. Make sure that the income minus the expenses net to zero. And they do. Boom!

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Discover the most beginner friendly budget you can start using right away. Learn how to budget using the 50/30/20 rule.

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How to Budget | Beginner Friendly

✅How do I make a budget if I’ve never done this before? Don’t worry I’m going to show the most beginner friendly budget you can start using right away. I did the research on every possible budgeting method in order to find the best one for beginners.

✅ At the end of the day budgeting is important because it helps you be good with money. Think about it for a minute. If you don’t have an organized system for tracking your spending, then you’re probably going to spend too much in the wrong places and not have enough for some really important stuff.

✅ But if you’re a beginner then the best way to make a budget is to use the 50/30/20 rule. The 50/30/20 rule is simple because it divides your monthly income into 3 sections. 50%, 30% and 20%.

✅ The first section is reserved for you to spend 50% of your income on necessities.

✅ The second section is the fun stuff because these are the things you want. With this budget method you’ll have 30% of your income to spend on this category.

✅ The third and final section is reserved for you to save or invest 20% of your income.

✅ So by using the 50/30/20 method you’ll be ahead of the game because you won’t have to stress when an emergency pops up or about how you’re going to survive in retirement.

✅ Quick Example: In the next 30 seconds Boomer the Consumer is going to show you how to budget as a beginner using this method. So Boomer makes $5,000 per month.

✨ Using the calculator on his phone he does $5,000 x .5 = $2,500. This goes in his 50% category for needs.

✨ Next he does $5,000 x .3 = $1,500. This goes in his 30% category for wants.

✨ And last he does $5,000 x .2 = $1,000. This goes in his 20% category for saving and investing. Boom!

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One simple thought to change your money mindset is to think of your income as your employees. So if you’re going to make $5,000 this month, I want you to think about having 5,000 employees ready to work for you.

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Train Your Brain To Make More Money

✅Did you know that our brains are biologically hard wired to spend money?

✅ To solve this problem you need to think of your income as your employees. Think of every single dollar in your paycheck as an employee that works for you.

✨Investing is putting your employees to work for you

✨Saving is giving your employees unlimited vacation

✨Spending is firing your employees

✅ Your spending becomes someone else’s income

✅ A subtle shift in how we view our income can drastically increase the likelihood that we keep what we earn, and make more money. Train your brain to view your income as your employees, and put them to work by investing.

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Learn what real estate investing is, why you want to invest in real estate, plus the easiest and best way to do it. Easy real estate investing for beginners!

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Easy Real Estate Investing for Beginners

✅What is Real Estate Investing?

✨ Owning property for cash flow, appreciation, or both

✨ Can be active (landlord) or passive (REIT)

✨ Foreign equity investing

✅Why Invest in Real Estate?

✨ Cash flow = When the rent payments you collect are greater than the expenses of operating the property

✨ Appreciation = When the value of the property goes up

✨ Diversify assets

✅How to Invest in Real Estate?

✨ Active = Buy real property and operate a hands on business as a landlord

✨ Passive = Invest in REITs (real estate investment trusts)

✨ Vanguard Real Estate Index Fund (VNQ)

✨ Fidelity Real Estate Index Fund (FSRNX)

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Learn what it means to invest outside of the US, why you want to invest internationally, plus the easiest and best way to do it. Easy international investing for beginners!

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Easy International Investing for Beginners

✅What is International Investing?

✨ Investing outside of the US

✨ Developed & Emerging Markets

✨ Foreign equity investing

✅Why Invest Internationally?

✨ Lower overall portfolio risk

✨ Diversify

✨ Growth

✨ Income

✅How to Invest in Internationally?

✨ Index fund

✨ Fidelity ZERO International Index Fund, symbol FZILX

✨ Vanguard Total International Stock Index Fund, symbol VGTSX

✨ 10-20% of total portfolio

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Learn what commodities are, why you want to invest in them, plus the easiest and best way to do it. Easy commodities investing for beginners!

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Easy Commodities Investing for Beginners

✅What are Commodities?

✨ Materials used in production

✨ Have the same value no matter where they come from

✨ Oil, corn, copper, wheat, cattle, coffee, silver, etc.

✨ Raw materials, agricultural products & precious metals (among other things)

✅Why Invest in Commodities?

✨ Lower overall portfolio risk

✨ Diversify

✨ Economic growth

✨ Inflation rising

✅How to Invest in Commodities?

✨ ETF

✨ Tracks the broad commodities market

✨ PDBC or COMT

✨ 5% of total portfolio

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Learn why you want to invest in gold, plus the easiest and best way to invest in gold. Easy gold investing for beginners!

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Easy Gold Investing for Beginners

✅What is Gold?

✨ A precious metal

✨ A commodity

✨ A reserve asset

✅Why Invest in Gold?

✨ Lower overall portfolio risk

✨ Safe haven asset

✨ Diversify

✨ Economic growth

✨ Inflation rising

✅How to Invest in Gold?

✨ ETF

✨ Passively tracks the entire gold market

✨ GLD or IAU

✨ 5% of total portfolio

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Learn what a bond is, plus the easiest and best way to invest in bonds. Easy bond investing for beginners!

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Easy Bond Investing for Beginners

✅What's a Bond?

✨ Bond = A loan

✨ Also called fixed income

✨ Treasury bonds are most common\

✨ Investor agrees to loan money in exchange for regular interest payments made by the bond issuer

✨ Investor gets back principle at end of the bond term

✅Easiest & Best Way to Invest in Bonds:

✨ Index fund

✨ Index fund advantages:

✨ Very low cost

✨ Automatic reinvestment

✨ Diversification

✨ Easy & effective

✨ No date tracking

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Learn what a stock is, why you’d want to invest in stocks, and how to invest in stocks the easiest and best way! So easy, an 8 year old can do it!

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Easy Stock Investing for Beginners

✅What's a Stock?

✨ Ownership in a company

✨ Also called equity, shares, common stock

✅Why Invest in Stocks?

✨ Growth = share price increases over time

✨ Income = regular payments called dividends

✅3 Ways to Invest in Stocks:

✨ Buy individual company shares

✨ Buy an ETF

✨ Buy an Index Fund. This is the easiest & best method

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Learn the 3 step plan to make $1 million investing in the Fidelity Multi-Asset Index Fund (FFNOX)!

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The Best Index Fund That Will Make You Rich

✅Fidelity Multi-Asset Index Fund (FFNOX):

✨ 7 index funds in 1

✨ 85% equities

✨ 15% bonds

✨ Automatic rebalancing

✅7-in-1:

✨ Fidelity 500 Index Fund

✨ Fidelity Extended Market Index Fund

✨ Fidelity International Index Fund

✨ Fidelity Emerging Markets Index Fund

✨ Fidelity US Bond Index Fund

✨ Fidelity Long-Term Treasury Bond Index Fund

✨ Fidelity International Bond Index Fund

✅3 Steps to $1 Million:

✨ Buy $325 of FFNOX

✨ Every 30 days you’re going to buy $325 more

✨ Repeat for 30 years. At a 12% rate of return you will finish with over $1 million

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Episode 10: Mutual Fund vs. ETF vs. Index Fund

Mutual Funds vs. ETFs vs. Index Funds | Which One Is Easy & Best | Which One To Avoid

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Mutual Funds vs. ETFs vs. Index Funds

✅Mutual Fund:

✨Long-term

✨Fund manager actively tries to beat the market

✨96% fail to beat the index benchmark

✨Expensive

✅ETF:

✨Short or long-term

✨Most are passively managed

✨Mostly low cost

✨Plays a role to specialize in certain asset classes

✅Index Fund:

✨Long-term

✨Passively managed

✨Lowest cost

✨Easiest

✨Best performance over time

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Episode 07: Ray Dalio's Life & Career | Mind Blowing Investment Strategies | Billionaire Advice

You'll learn all this and more in this show!

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Transcript:

Hey what’s up everybody? I’m Mike Germinario and I teach investing.

In this show we’re going to learn about Ray Dalio. Who he is. What he does. How he does it. Then we’re going to talk about Dalio’s advice for individual investors, people like you and me.

So here we go. Ray Dalio is a billionaire investor who founded what became the world’s largest hedge fund Bridgewater Associates. Dalio is also a generous philanthropist as he joined The Giving Pledge – which is a pledge for billionaires to donate over half their wealth to charity. Aside from donating his wealth, he also shares his knowledge both on social media and through published books. These include:

How the Economic Machine Works
Principles: Life and Work
Principles for Navigating Big Debt Crises
The Changing World Order: Why Nations Succeed and Fail

So much more than a typical fund manager, Dalio worked with McDonalds in the 1980’s to help launch their Chicken McNuggets. Behind the scenes, suppliers were concerned about selling chicken to McDonald’s at a fixed price because the cost of feeding all those chickens is variable. So if the prices of corn and soy meal rose, the suppliers would have to eat the loss. Dalio helped put together a custom futures contract that allowed the suppliers to be comfortable selling their chicken at a fixed price. Basically, a guarantee against future rising prices of corn and soy meal. No Ray Dalio. No McNuggets.

And check this one out. In 1997, when the US Treasury issued inflation-protected bonds for the first time, guess who they turned to for help on how to structure them? None other than Ray Dalio. Without Dalio, TIPS as we know them today may not exist.

As an investor, Dalio is probably best known for figuring out a storm-proof investment strategy, designed to perform no matter what happens.

His “All Weather” or “All Seasons” strategy answers this question:

“What kind of investment portfolio would one need to have to be absolutely certain that it would perform well in good times and in bad – across all economic environments?”

So whereas most investors say “I think this is going to happen, so I’ll invest in XYZ.” Dalio flips the script and says “I can’t be certain of what will happen, so I’m going to weatherproof my portfolio to win.”

The “All Weather” strategy works like this. According to Dalio there are only four things that move the price of assets:

Inflation
Deflation
Rising economic growth
Falling economic growth

So if we sketch out four boxes, each representing 25% of risk, we’ll have “Growth” and “Inflation” in the column headers; and “Rising” and “Falling” in the row headers.

So the first box is Growth Rising. Dalio says that the assets that perform here are:

Equities
Commodities
Corporate Credit
Emerging Market Credit

The second box is Inflation Rising. Dalio says that the assets that perform here are:

Inflation linked bonds
Commodities
Emerging market credit

The third box is Growth Falling, and Dalio says the assets that perform here are:

Nominal bonds
Inflation linked bonds

The fourth and final box is Inflation Falling and Dalio says that the assets that perform here are:

Equities
Nominal Bonds

That’s the “All Weather” portfolio and as you can probably tell it’s a little advanced for most mom-and-pop investors like me and you. That’s why Dalio shared his “All Seasons” portfolio in the book “Money, Master the Game” written by Tony Robbins.

Here he has a simplified version that gets a similar result for everyday investors to utilize. And it goes like this:

Invest 40% in long-term bonds
Invest 30% in stocks
Invest 15% in intermediate-term bonds
Invest 7.5% in gold
Invest 7.5% in commodities

Here’s why we should care about this. Because the All Seasons strategy provides reliable returns with minimal volatility. In other words, we’re getting bond-like risk with equity-like returns.

Going back to Tony Robbins book he has some really cool stats comparing the S&P 500 vs. All Seasons. Let’s take a look at some of them now.

So from 2013 going back 75 years the S&P lost money 18 times. All Seasons only lost money 8 times.

In that same period, the S&P’s largest single loss was -43%. All Seasons was just -4%.

And the average loss for the S&P was -11%. For All Seasons it was only -2%.

Now check this out. For the period 1928 to 2013…

The S&P lost money 24 times. The All Seasons only 14 times.

In the heart of the depression the S&P lost -64%. The All Seasons lost only -21%.

The average loss was -14% for the S&P, and only -4% for All Seasons.

The wisdom Ray Dalio has shared has definitely taken my investment game to the next level, and I hope it helps you out too.

If you learned something please click the subscribe button. I also have a free guide for you – 5 simple rules of investing. Click the link in the show notes to get your copy.

I’m Mike Germinario, never leave money on the table of life and I’ll cya next time!

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Episode 06: Who is Warren Buffett? What does Buffett invest in? How does Buffett invest? Buffett's Best Advice. You'll learn all this and more in this show!

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Transcript:

Hey what’s up everybody! I’m Mike Germinario and I teach investing.

In this show we’re going to learn about Warren Buffett. Who he is. What he does. How he does it. Then we’re going to talk about Buffett’s advice for individual investors, people like you and me.

So here we go. Warren Buffett, the Oracle of Omaha, is the owner and CEO of Berkshire Hathaway. With $874 billion in total assets Berkshire Hathaway is one of the top 10 largest publicly traded companies in the world. A household name, almost everybody has heard of Warren Buffett in some capacity as he is considered to be one of the greatest investors of all time. With a net worth of $102 billion he is in the top 10 of the world’s wealthiest people.

Buffett is also a generous philanthropist, as he pledged to donate 99% of his wealth to philanthropic causes. He also founded the Giving Pledge alongside Bill Gates, which is a charitable program for billionaires to pledge to give away at least half their fortune.

As an investor, Warren Buffett buys stakes in other businesses through Berkshire Hathaway. That makes Berkshire a conglomerate, which is a company that owns other companies. In Buffett’s 2020 letter to shareholders he wrote…

“Charlie and I want our conglomerate to own all or part of a diverse group of businesses with good economic characteristics and good managers. Whether Berkshire controls these businesses, however, is unimportant to us…our conglomerate will remain a collection of controlled and non-controlled businesses. Charlie and I will simply deploy your capital into whatever we believe makes the most sense, based on a company’s durable competitive strengths, the capabilities and character of its management, and price.”

By the way, Charlie is Charlie Munger, Buffett’s partner at Berkshire Hathaway in case you were wondering.

Warren Buffett’s investing philosophy is called “value investing,” a system he learned from his mentor Benjamin Graham. He finds value by analyzing these questions:

Is the company performing?
What is the company debt?
Does the company have a robust profit margin?
Has the company been around long enough?
Does the company rely on commodities?
Is it cheap?

He’s not concerned about the day-to-day moves in the stock market, but rather he narrows his focus down to the company level.

This investment strategy is not easy. It requires a tremendous amount of research, skill and experience. That’s why Buffett recommends a different approach for individual investors, like you and me.

From the book “Money, Master the Game” by Tony Robbins Buffett says…

“It’s so simple. Indexing is the way to go. Invest in great American businesses without paying all the fees of a mutual fund manager and hang onto those companies, and you will win over the long term!”

So the Oracle of Omaha’s advice is to invest in the index as the easiest, most effective and cheapest option.

In fact, the instructions for his wife and their trust for after he passes are to put 10% in short term government bonds and 90% in a very low cost S&P 500 index fund. Buffett says…

“I believe the trusts long-term results from this policy will be superior to those attained by most investors – whether pension funds, institutions, or individuals – who employ high-fee managers.”

Buffett is obviously very confident in that advice. To showcase his belief in indexing further check this out. In 2008 Buffett made a bet with a hedge fund called Protégé Partners. The bet was a $1 million wager that over a 10 year period Protégé couldn’t beat the S&P 500 index fund.

Well…the ninth year into the bet, Buffett’s S&P 500 index fund was up $854,000 vs. Protégé’s active fund selections $220,000. Without even making it to year ten, Protégé conceded defeat saying…

“For all intents and purposes, the game is over. I lost.”

The money of course went to charity, the “Girls Incorporated of Omaha” since Buffett won.

Thanks for hanging out with me today. If you learned something please click the subscribe button. I also have a free guide for you – 5 simple rules of investing. Click the link in the show notes to get your copy.

I’m Mike Germinario, never leave money on the table of life and I’ll cya next time!

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Episode 05: Best Investing Advice pt. 2 - Swensen, Kiyosaki & Cramer. Learn 1 amazing tip from each G.O.A.T. investor. David Swensen, Robert Kiyosaki & Jim Cramer.

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Transcript:

Hey, what's up, everybody? I'm Mike Germinario and it is my mission to show you how to build an indestructible, automatic, investing machine, working for you 24/7, so you can have the life you dream about.

In today’s show I’m going to share some of the best investing advice I ever heard. And this advice didn’t come from a fortune cookie, or fortune teller. This advice comes from the greatest investing minds of all time. I’m talking about legends like Warren Buffett, Ray Dalio, Jack Bogle, David Swensen, Robert Kiyosaki & Jim Cramer. This is part two which covers Swensen, Kiyosaki & Cramer. Check out part one for Buffett, Dalio & Bogle.

These legendary minds have taught me so much and the advice they give is timeless, so I’m pumped to share it with you today.

Before we jump in I just want to point out how important it is to seek out mentors, coaches & influencers that are best in class at the skill set that you are trying to learn. This applies to anything, not just investing.

Find the people that are crushing it, that have demonstrated mastery and ask them how they did it.

So here we go, let’s hear one piece of advice from each of my greatest teachers.

This legend sadly passed away in 2021. He was the chief investment officer for Yale University since 1985 where he grew $1 billion to over $30 billion! He did this by developing an investment model known as the “Yale Model” now, which divides an investment portfolio up into about 5 or 6 equal parts, and then invests each part in a different asset class.

This principle is commonly referred to as asset allocation, or diversification. So many people don’t understand this, yet it is ridiculously important if your goal is to stay in the game for the long-haul.

If your portfolio only has stocks, for instance, then you aren’t diversified and you aren’t applying asset allocation. This is seriously the best advice I learned from David Swensen. Asset allocation is necessary because none of us are smart enough to time the market. So don’t just hold stocks. You need bonds, real estate, international & emerging markets too. That’s how you get consistent returns that make an impact.

The next guy is a best-selling author that wrote a book so impactful that it changed the mindset of millions of people around the world. It definitely changed my mindset and I am so grateful I read “Rich Dad, Poor Dad” by Robert Kiyosaki.

The best advice I learned from Robert Kiyosaki is that the rich buy assets and the poor and middle class buy liabilities. When I first read that I thought to myself…hmm…what do I want to buy? And at the time it was things like a luxury car, trendy sneakers, the latest tech, and big fun expensive nights out. I said to myself, “Wow! I am thinking with a poor and middle class mindset.” And the light bulb went on and it was one of those “ah-ha” moments. And I immediately shifted my mindset to focus on buying assets.

Stocks, real estate, things like that that would pay me and make my assets grow. So, so grateful for that book, thank you Robert Kiyosaki.

And last but not least, he’s been a staple on CNBC, appeared in movies, and is best known as the host of “Mad Money” since 2005. I’m talking about Jim Cramer and the best advice I ever got from Jim was actually two things.

Have fun. Jim’s show “Mad Money” was a blast to watch. He made a boring subject fun, entertaining and educational. He influenced millions of people, myself included, to get in the game and enjoy it.
When a crisis hits, like in 2008-2009 or again in 2020, lots of great companies stock go down. This can be an incredible opportunity to buy these stocks at a huge discount. Especially if they pay out a nice dividend. Basically you’re walking into your favorite store and buying an awesome product that you LOVE for 30, 40, 50% off! Then you’ll get paid (through the dividend) to wait patiently for the market to go back up once the crisis runs its course. I’ve used this strategy in times of market panic and it works better than words can describe.

So thank you to Jim Cramer.

Until next time, never leave money on the table of life.

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Episode 04: Best Investing Advice pt. 1 - Buffett, Dalio & Bogle. Learn 1 amazing tip from each G.O.A.T. investor. Warren Buffett, Ray Dalio & Jack Bogle.

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Transcript:

In today’s show I’m going to share some of the best investing advice I ever heard. And this advice didn’t come from, like, Uncle Bob, okay? This advice comes from the greatest investing minds of all time. I’m talking about legends like Warren Buffett, Ray Dalio, Jack Bogle, David Swensen, Robert Kiyosaki & Jim Cramer. This is part one which will cover Buffett, Dalio & Bogle. Part two will cover Swensen, Kiyosaki & Cramer.

These legendary minds have taught me so much and the advice they give is timeless, so I’m pumped to share it with you today.

Find the people that are crushing it, that have demonstrated mastery and ask them how they did it.

So here we go, let’s hear one piece of advice from each of my greatest teachers.

Warren Buffett is considered one of the greatest investors in the world and has a net worth of over $102 billion. He’s one of the wealthiest people in the world and he’s also a very generous philanthropist. Warren Buffett taught me about the power of compounding. Compounding is a phenomenal investing principle that is the foundation of building wealth. And it goes like this…

Step 1. You invest in an asset that pays you either interest or dividends.

Step 2. You don’t spend the interest or dividends, but instead reinvest them back into the asset.

Step 3. Hold forever – never sell.

Three steps to building generational wealth right there, and it’s called compounding! Let me explain it like this…

You’re on top of a huge snowy mountain and it takes a really long time to get all the way down to the bottom. You make a tiny snowball (that’s like you’re initial investment). Then you roll it down the mountain. As it rolls down, your snowball gets bigger (that’s like reinvesting the interest & dividends). Finally, a really long time later your snowball reaches the bottom. Except it’s no longer a snowball. It has transformed into a massive snow behemoth bigger than you could imagine. That’s compounding. Thank you Warren Buffett.

Ray Dalio started what came to be the world’s largest hedge fund, Bridgewater Associates. His unconventional style and persistence has made him one of the greatest innovators and influencers in the investing world. He’s also one of the most generous human beings on the planet, sharing not only his wealth but also his knowledge.

The best advice I learned from Ray is that you don’t know what you don’t know. You hear people all the time making predictions about what’s going to happen next, but Ray figured out that nobody knows anything, really. It’s impossible to perfectly predict the future and place bets on it if you want to stay in the game for the long-term.

That’s why he created the “All Weather” or “All Seasons” strategy. With this strategy Ray is saying to build a portfolio that can handle any weather. In other words no matter what economic event is coming our way, our portfolio is built to handle it.

I love this advice and when I applied it to my investing it totally transformed my life and the way I approach everything. If you want to invest like a billionaire and never lose sleep at night, check out Ray Dalio’s “All Season’s” or “All Weather” strategy.

Jack Bogle is the godfather of the index fun. He was also the founder of the Vanguard Group, which is one of the most popular brokerages today. The best advice I learned from Jack is to buy index funds. And if you don’t know…an index fund is one easy investment to capture an entire market.

For example, the S&P 500 US Stock Market has 500 companies in the index. You could buy individual stock in all 500 companies, which would be a very unpleasant and time-consuming process. OR…you could just buy an S&P 500 index fund. This is the easiest and most effective way to invest. Jack Bogle also made it the most affordable, as he always led with the small-time individual investor in mind. Jack passed away in 2019. Thank you Jack Bogle and may you rest in peace.

Until next time, never leave money on the table of life.

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Episode 03: Investing vs. Saving. Learn about them both, compare them side-by-side & find out which one is better!

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Transcript:

By the end of this blog post you’re going to understand the difference between investing vs. saving. So first, let’s separate these two terms and define what each of them mean.

Let’s start with investing. What is investing? What does that mean? Investing is when you take your money and you buy some sort of asset because you expect that asset to go up in value. -OR- You expect that asset to hold its value and pay you an expected amount on a schedule. Let me explain with two quick examples.

Let’s say Tesla’s stock price is $1,000 but you expect it to go higher all the way to $2,000. You may decide to buy shares in Tesla as an investment for appreciation. Or let’s say that there’s a rental house for sale in your neighborhood that you expect will hold its value, but you’ll be getting rent checks every month from your tenants. You may decide to invest in the rental property for the income. In both examples you’re using your money to buy an asset. That’s investing!

Now let’s talk about saving. What is saving? What does that mean? Saving is when you take your money and park it somewhere, just for safe keeping. You don’t want to spend it, but you also don’t want it to grow. A common example is when you have your money sitting in a checking account or savings account at a bank. It’s there for safe keeping, but it’s not doing much of anything. Hey, how about when you were a kid and you used to put money into a piggybank. That’s a perfect example of saving money.

So now that we know what they mean, investing vs. saving, let’s compare the two side by side.

Your money has the potential to grow (also called appreciation) when you’re investing. Not saving.
Your money has the potential to earn regularly scheduled income when you’re investing. Not saving.
You can build generational wealth by consistently investing over time. Not saving.

Check the scoreboard. We have a clear winner. Investing is better than saving! To illustrate the point let me hit you with this…

In fitness terms investing is like working out, whereas saving is like watching TV.

In terms of having fun investing is like a day at the water park, whereas saving is like getting sprayed with a garden hose.

In car terms investing is like your dream car, whereas saving is like your first car.

I think you get the point. The bottom line is this. There are more savers than investors because that is all of our starting point. You have to walk before you can run. Saving is easy and comfortable, but all the growth is in investing. Until next time, never leave money on the table of life.

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