7 DICAS INFALÍVEIS PARA GANHAR DINHEIRO INVESTINDO (COMO COMEÇAR A INVESTIR)

The more knowledge you have, the better you will invest. The better you are at investing, the higher your returns will be. The better your profitability, the greater your future assets.

The greater your assets in the future, the greater your chances of having a nice passive income and the greater your passive income, the greater your chances of making your dreams come true. But all this has a single starting point, which is knowledge. And that's exactly what I'm going to give you in this extensive and in-depth video today.

Before we get into these seven steps that will give you financial freedom, better investments, more wisdom to make decisions and more freedom, your only request is the usual one. Click on the button below, subscribe to the channel and like it. That's it.

Very simple, isn't it? Let's go, then. Let's start our first step.

The first step is for you to master your biases. What are your biases? Think of Mark Zuckerberg.

Mark Zuckerberg, he wakes up, he goes into his closet, he picks out an outfit, this outfit is a bit standard, isn't it? He puts on his black T-shirt, jeans, basic sneakers and every day he goes to work the same way. He goes to meet the president, it's the same.

He's always wearing the same clothes, except when he's going to a hearing, when he's wearing a suit. But apart from that, he always wears the same clothes. Why does he do that?

Because imagine that our brain makes a lot of decisions every day, all the time, for several moments. And when I have to make decisions, it's like my brain gets tired. And in order to save energy in my brain, because we have so many stimuli and so many decisions to make all the time, we develop selective tension.

Selective tension is, in a way, our brain paying attention to what it needs and for the rest it creates mechanisms so that it can replicate behaviors. Since every day I have the same habit, I go there, wake up, get the same clothes and put them on, I don't spend any energy on it. It's almost like when I go to work, well, have you ever stopped to think, it takes you an hour to get to work, you're driving, man, sometimes you don't even know, you turn left, you don't think, I'm going to turn left, I'm going to turn right, you're going on autopilot.

Why is that? Because your head has already learned that it's going to save energy and it pays attention to what needs to be done. One less decision your brain makes a day makes you more productive.

So, from here we have two conclusions. Firstly, simplify your daily habits. And the second is that your brain is tricky.

And it has many biases that will trick you, they serve to make you save energy, but it also has many biases that can help you if you understand how they work. I'll explain a bit more about that now. For example, there's something called the anchoring bias.

You go and buy a share at R$thirty, then it drops to R$twenty-five, what do you do? You buy more. It drops to R$twenty, what do you do?

You buy more. It drops to R$fifteen, what do you do? You buy more.

Why does this happen? Because your head has anchored the price at R$thirty, so we usually anchor it up there. The tip here is, anchor fundamentals and not price, because people do this and lose money every time, anchor fundamentals, never price.

Another bias, for example, is loss aversion. I was watching one of João Braga's finclasses, which I remember was the first finclass we ever recorded, very interesting, and he talks about an experiment by Daniel Kahneman, where he says, if it's heads, you win R$one hundred, if it's tails, you lose R$one hundred. And then Daniel Kahneman created a theory called prospect theory, which by the way, Daniel Kahneman passed away a few days ago, it's a shame, a guy who made great contributions to us.

And what he discovered is that human beings feel much more pain in losing R$one hundred than pleasure in winning R$one hundred. So in a game like this, human beings often decide not to take part, because fear hurts much more than winning. And in our case, the loss aversion bias does the following: the fear of losing makes us not take risks.

Therefore, it often prevents us from making intelligent decisions, and if we fail to do this, we fail to win. Look at the people who have become rich, look at me, for example, I've achieved financial freedom. Why?

Because I took risks. So, at some point I quit my job, at some point I left where I was, opened up this stability, went to work at dawn as a waiter, set up a company. It could have gone very wrong, like most entrepreneurs in Brazil, statistically they go bust, almost all of them, they go very wrong.

So I took a lot of risks, but that's what allowed me to get to where I am now. Look, for example, in October two thousand and thirteen, I bought almost a million reais in Bitcoin. I don't know if you remember that moment, Bitcoin had already risen a little, everyone was talking about halving, ETFs were being approved, attractive indicators, but while everyone was still afraid, I went and invested a million.

I've been buying crypto for a long time now. Bitcoin used to be worth around one hundred and forty thousand reais, today it's worth around three hundred and fifty thousand reais. So I invested more or less a million, it's turned into more or less R$two.

five, R$two. six million. Why was that?

Because I made a brave decision, whereas most people don't. These decisions are the ones that bring the most rewards into your life. So I'm going to put other important biases here on the screen, I'll take a screenshot too so you can see.

But you have the confirmation bias, which is a tendency to confirm the opinion you already have. You have the endowment effect, which is the tendency to value what you've already put a lot of effort into. Then there's the herd effect, recency, you name it, you've got it.

But hold on, if you want to delve deeper into each one, not just this video, you can go to Finclass, João Braga, he explains each of these biases in great depth and you can subscribe to Finclass at an anniversary price, Finclass is celebrating three years of existence now, you can subscribe for fifty percent off for just twenty-four hours. And it's only on April twenty-fourth. Click on the link below, enter your name and e-mail address and you'll be able to access the largest financial education platform with a fifty% discount and earn bonuses.

The second step is to understand the business world. It's very difficult to get rich selling your time. Why is that?

Because there are twenty-four hours in the day, you'll sleep for a few hours, you'll have leisure time for a few hours, you'll have your family, some commitments and there will be a number of hours left over for you to work. Let's say you work ten hours a day, for example. You can't work a hundred hours a day.

So how are you going to get rich? Your hourly rate has to be very high. Some people have this ability, some artists, some doctors who reach a very high level, but even for a doctor it's very difficult to get rich.

So you're going to have to undertake something so that you can multiply the number of hours in your day, so that you can buy other people's hours, so that you can sell and earn on profit, so that you can earn on productivity. And here you have to make a decision. Either you're going to do it yourself or you're going to do it through a third party.

Either you start your own business or you start it through others. If you go into business through third parties, which is generally the most recommended route, you'll become an investor, you'll buy shares. And what are you going to buy shares in?

The segment in which you have a competitive advantage. I can't understand why a doctor would want to buy shares in Petrobras and Vale do Rio Doce, or even Itaú. The doctor has to analyze the health company.

Why should they? Because they have an advantage. I'm going to analyze a company in the financial market.

A software engineer will analyze a technology company, because he'll have more of an advantage. So one way is to do business through third parties. When you buy a share, you now have an army of people working for you.

So you buy a small part of the company and you get a share of the profit too, which is a consequence, it's the fruit of those people who are working there. Now, if you're going to be an entrepreneur, you're going to have to delve into some very important business vocabulary. You have to learn about CAC, customer acquisition cost, Lifetime Value, what the EBITDA of the business is, what the profit margin is, cost of capital, CAGR, gross debt, indebtedness, asset DRE.

We talk to entrepreneurs and executives a lot. Most of them don't know what an EPS is, which is an Income Statement. Most small companies, SMEs, don't have a proper P&L and they need to.

So if you want to be an entrepreneur, you're going to have to learn about it. You're going to have to learn about management, people, culture, multiple mergers and acquisitions, organic growth, sales. You're going to have to learn.

So these are different skills. Thirdly, you have to manage your priorities. A day has twenty-four hours, you sleep an average of seven hours a day, you'll spend a couple of hours in traffic, breakfast, lunch, dinner, a shower, that's about two hours.

Brazilians work an average of ten hours a day, so that leaves three hours. These three hours are yours to do with as you please, so twelve point five percent of your day is yours, the rest you're selling or handing over to others. So your time is scarce.

So let's talk about two things here. First, you have tasks that are a priority or important. Imagine a board where you have things that are important and things that are urgent.

What's important and urgent, you do. What's important and not urgent, you schedule. What is urgent and not important, you delegate.

And what is neither, you don't do and you delete it from your agenda. This is an interesting way of getting a sense of your priorities. The second thing is, when you're going to invest, it's not just profitability that's important, because what would you prefer?

Not having a second of your day looking at investments and having a return of ten percent a year? Or to spend three hours a day studying investments and get a return of ten point five percent? Is it worth ninety hours a month to get a thousand percent more return?

You'll earn more money. But is that money so important that you don't have to work ninety hours, for example, to sell your time and earn more money? So you always need to think about that.

When you're going to invest, it's important that you understand that there is an axis of aptitude and an axis of time. What will take you less time and skill is to follow a recommended portfolio like the Finclass portfolio, for example. Finclass has recommended portfolios, so you can just follow the portfolio if you want to and in theory you'll get a good return, because analysts do this all day long.

Secondly, you can do something that will take a bit more time and you need to be a bit more skilled at, which is to put together an allocation portfolio like Arca with ETFs. So you'll buy a bit of Bova Eleven, IVVB, you'll mix your portfolio with ETFs. If you have more time and more aptitude, you'll do some screening, i.

e. you'll open up all the stocks on the stock exchange, real estate funds too, you'll filter by indicators to choose the best assets. You won't necessarily choose the best ones, but you'll be able to filter out the bad apples.

And if you have more time and more aptitude, you can go on to Valuation, which is you doing a discounted cash flow and so on, which in theory can make you a lot more money, but it will take a lot of your time and you also need to have aptitude, because not just anyone is going to do a successful Valuation. The fourth step is to control the turtles and rabbits. What do you mean?

There's a guy called Florian Bartunek, he's someone I admire a lot, he's even recorded Finclass for us, he's one of the greatest managers here in Brazil and he has a lot of wisdom. He said in Finclass that he recorded the following: imagine someone who has five rabbits and fifty turtles, who do you think would manage their animals better? Because the rabbit jumps, it's really fast, the turtle is super slow, but even if it's slow, you're going to lose some turtles, because they start, in a while you're going to say, oh my God, where are they all?

Five is very easy to look at, there are only five. When we look at the investment market, what happens is that there are people who have R$one,zero with fifty assets and there are people who have R$fifty million with ten. And what he teaches us is this: if you have fifty shares, your portfolio is pulverized.

If you have eight to fourteen, your portfolio is diversified. So the more concentrated your portfolio, the easier it is to manage and keep track of everything that comes out. There's no way you can have fifty companies and want to follow the balance sheets of all of them, or if they come out quarterly, four times a year, that's impossible.

It's good to be focused and diversify your assets, because you can't control the future. So whatever you do, diversify. Source of income, try to have more than one source of income, everything you can, diversify.

So, for example, in my Fimclass Fimbook, I say that there are three layers of diversification when we talk about investments. The first is intra-asset diversification, so it's not enough to have one stock, you have to have several. The second is asset class, so you have more than one asset class, real estate, shares.

And the third is intra-country, so you have different currencies. Step five is time alignment. I know that we all want immediate results, in the short term, we're immediatists, it's part of being human, I know that.

But it's important to have time alignment, because all great investors have something in common: they have white hair. In fact, I'm getting to know my first children with some white hair in their beards, how interesting. This is called wisdom.

So, for example, if you invest R$one hundred reais at twelve percent a year for ten years, you'll have R$twenty-two,zero reais, that's a lot of money, but you won't get rich. If you invest R$one hundred reais over forty years, you'll have R$nine hundred,zero. Now, if you invest R$five hundred a month, in twenty years you'll have R$four hundred,zero, and in forty years you'll have almost five million.

If you manage to invest R$three,zero a month, in twenty years you'll have R$two. seven million, and if you invest, for example, R$thirty,zero a month, in fifty years you'll have R$two. nine million.

That's a lot of money, huh? Quick. Boy, that's a lot of money.

Basically, what do you have to put in your head here? If you want a very quick result, you're a speculator. If you expect long-term results, you're an investor.

An investor is one who respects the law of the sower. He plants a seed, waters the seed, patiently keeps watering the seed until it grows into a tree and over time bears fruit. Then he takes the fruit and eats it, because he enjoys the result.

Then he takes the seed inside the fruit, plants it back in the ground, repeats the law of sowing. That's what an investor does. The sixth step is to read, read.

Read a lot, read a lot. Do you know why? It's such a waste what's happening today.

Think of someone who has lived a hundred years, had an incredible life, much more exciting than yours and mine. He came from nothing, started a business, came from another city, had no money, came with a chicken on his arm, starved, then started to stink and became a billionaire. Man, the guy became a billionaire, lived a hundred years, went through a lot, made a lot of mistakes, learned a lot.

And then he comes along and decides to write a book. And he writes a book about everything that happened. And then what do we do?

We leave the book on the shelf at the bookstore and don't buy it, for R$ thirty-nine reais. And we fail to learn everything this guy learned, because he recorded all of life's great lessons. But a lot of people like that left their learning behind and we don't study or learn.

What a mistake. But I understand. Apart from illiteracy, which is widespread, we have little time in the day.

At the beginning of the video I said that we have three hours a day to ourselves. The only three hours you have, are you going to use them to read? I know it's a matter of decision, but even so, if you were to use, I don't know, an hour for reading, that's still a lot of time compared to your free time, isn't it?

The tip is, either get the Books, study on platforms like Finclass, which has summaries of the books and people reflecting on them for you, or actually read the books. Read, look, you can't see how many books there are here, but there are a lot of cool books and they've made me a lot of money. I'll leave a video here, where I show you all the books that have made me a lot of money.

There have been books that have given me millions of reais, some books that have given me two hundred thousand reais, there are several here. The books changed my life. Step seven is tactical cash flow control.

There are companies that go bankrupt, not because they don't sell, there are companies that go bankrupt because they haven't managed their cash flow well. So, once, in my family, they bought a piece of land back in the day, generations ago, they had a lot of assets, they needed money for the hospital, they didn't have any, they had to liquidate the land for a low price, they lost the money to honor a commitment. When you're going to invest, when you're going to let go of capital, when you're going to take out a mortgage, when you're going to take out a loan, anything, cash flow.

You can't spend more than you earn, you can't get into a situation where you depend on something that's not in your control, that you don't even know will happen in the next few months. You can't get a raise and then want to buy something when it's announced that the money hasn't even come in. You can't go to the company and be told that you're going to get a PLR of so much and you haven't even earned it and you're already wanting to spend it, you're already committing yourself to future spending.

Do you know why? Firstly, because something could happen. Secondly, because your emotional frustration if it doesn't happen is also very high.

It's one step at a time. Is there anything I've left out? Help me in the comments, let's do something together, community, cousins.

Leave in the comments all the steps that can help us to have more financial freedom faster, with more quality, more security. Leave them in the comments. Thanks!