4 Myths Costing You Money
Aug 12, 2018How well do you have your financial situation handled? Do you know with certainty what your financial future will look like? Do you know what amount of income you will have in the next five to ten years or how much you will retire with?
If you haven't gotten organized in this area of your life, don't worry. Mastering finances is nowhere near as complicated as people tend to believe it is. And here is the good news: no matter what your level of income is, you absolutely can be financially free in your lifetime if you take the right steps. Financially free means that you can sustain your lifestyle without having to work, if you choose to.
It will take time and a bit of discipline, but once you understand the 7 Steps to Achieve Financial Freedom, it's actually incredibly easy to map out your financial future.
But you've got to get started right now! This is not something you can afford to put off. You deserve to never have to be limited in what you can do, who you can be, and what you can contribute to your family and the world.
This video outlines the four most pervasive and costly myths that people falsely believe and that rob them of their financial freedom, which is a great place to start in your financial education.
FURTHER EDUCATION
- Looking to get a better handle on your money? Check out my free introductory trainings here on how to handle this area for good.
- Looking to master money entirely and for good? See if you are a good candidate for my mastery-level course Financial Freedom University here.
VIDEO TRANSCRIPT
Alright so time to take action. Get that pen and paper out. First, I want to cover these four huge myths surrounding money that are costing you money right now. It's imperative if you want to get closer to achieving financial freedom that you understand these four myths, and they're very pervasive. I see them occupying the mental space of so many of the one-on-one clients that I work with when I map out with them their plan to financial prosperity, as well. So I want to challenge you and ask you "how many of these have you been buying into?"
The first myth that people will have that will hold them back from getting closer to achieving financial freedom Is the idea that the game is not winnable. And of course by the game I mean the game of money. And by the way, the individuals who live in abundance, who live in a place where they've got wealth and they're able to sustain their lifestyle and give some back... They very often look at money as a game. And it is very much an empowering way to look at it, because there are tried and trusted rules to the game of money. If you know what you need to do, if you know what those rules all are, then you can win the game. And if you don't know what the rules are or if you disobey those rules, then you will not have financial freedom or prosperity, and that's just the simple reality. And my aim is to make sure that you understand clearly what those rules are so you can abide by them and make sure that you are maximizing your prosperity.
But the first thing you've got to understand if you want to get closer to achieving financial freedom is that it is possible. As I often say, there is not a single successful something who did not first believe that they could actually achieve it, right? Having that sort of baseline faith and understanding that "there are people out there who've done it, and that means I can do it if I'm committed enough and I'm determined to figuring it out." If you've got that bedrock the place where you actually know what to do, but you first have got to understand that this is something that you can achieve.
And I don't know what your specific financial situation is. I don't know if you're unemployed. I don't know if you're making $15,000 a year or $500,000 a year. I don't know. And I've worked with people from a broad spectrum of different financial situations, but what I can tell you is that this training and the follow up mastery training that's available for you is distilled in such a way where it's applicable no matter what your economic situation is, and that's the beauty of it.
So let me give you one quick example to show you exactly how winnable the game is no matter what your situation is. Let's take an example. This is a fake person, but real numbers okay? So, let's assume we've got an individual named John, and John just makes $20,000 a year, and let's assume that he doesn't even get an increase in income which is very much not the norm for most individuals. You get a raise in income at least a few times in your life. If not, you know, several times or every 12 months or something along those lines, but let's assume just to show you how winnable the game is that John is making $20,000 a year and he doesn't get a single raise his entire life.
And so we open up a conversation with John and we say "John, we've got to get you on the path to financial freedom." "We've got to get you making investments. We've got to get you closer to sustaining that financial freedom lifestyle," and John says "How am I supposed to do that? I only make $20,000 a year. here's no way I could possibly, you know, become a millionaire or accumulate wealth of any sort of real stature." Well, what we can say is "John that's absolutely not true.
All we need to do is take 10 percent of your income and invest it in the right places, and there's going to be more details about where and when and how to do that coming up. But we take 10 percent of his income and we put it aside as a sacred piece that's going towards a fund dedicated to achieving his financial freedom, and we start getting that money working for him. Just $2,000 a year.
And if he does this every year and, let's assume for the sake of this example, an average return on investment or ROI for short of 8% a year, then what this will mean is that he will achieve financial freedom by age 57. What that means is that by age 57 his investments will be generating an annual return of investment that is equivalent to his current income – meaning he will start getting $20,000 a year just off of the interest of his investments. Make sense?
So what this means is even though he may be investing for several years, this means that he can sustain his lifestyle by a certain age and we know exactly when that would be even if he is on one of the lower strata of the economic scale in at least in the United State's standards. So the other thing is that by the time he turns 65, if he continues to invest, he would have accumulated Almost $570,000 that would be available for him in his "freedom fund" or his retirement plan or whatever it is that you want to call this.
The game is winnable. That's what I want you to understand, and this is just assuming 10 percent. Many individuals go 15, 20, 25 or more percentage points, but I wanted to give you this example because this is one that even for an individual who may be in that lower strata on the basic income AND assuming the worst case scenario that his income does not rise at all over the course of his entire life, which is incredibly unlikely, he could still achieve financial freedom. So, if John can do it is very much likely that you, yourself can do it as well. And the principles in this training and the masters course are specifically aligned to show you exactly how to set that up.
So the second financial myth that is incredibly pervasive and I can absolutely understand why it exists is that the financial game is too complicated. And here's what I want you to understand. There's a reason why this myth exists. It's because it makes it profitable for the individuals who want to manage your money. And this is not to say that individuals who, you know, work at hedge funds or brokerage firms or whatever else are bad people. That is definitely not what I'm trying to say. But what I am trying to communicate to you is that this idea that you need to take your money and you need to put it in the hands of a fund manager – somebody who's going to oversee it and pick specific stocks, for example, to invest your money in is a very dangerous idea. It's just not an idea that is supported by the data.
And what we find is time and time again, the individuals who put their money in such a situation like that as opposed to putting it in the different allocation that will be the recommendation of this program, their portfolios do not perform at the same level. And not only that, but you end up being subjected to a crazy amount of fees on your actual nest egg, and while that may seem low early on when you've got 1, 2, 3, or 4 fees that add up to a total of 3.5% of the amount of money you were putting in under management...
That ends of adding up incredibly when you factor in how that limits the amount that you can compound your interest over time. So to boil all of this down, what I want you to understand is winning the game is not that difficult. And I know you may not yet know the solutions as to how you actually get there but I swear, if you stick with me, if you stay with this process, you will see it is actually not too difficult.
And, in fact, it's actually a matter of making sure that your money is going to just a few specific places and really that you're consistent about putting a sacred amount of money into that specific place. You do not need someone who is actively managing your funds. That is the easiest way for your nest egg to get eaten up through fees and also through poorer returns. The individuals who go with those routes are paying more for an inferior product, and you just don't want to do that.
So understand it's winnable. Understand that people just like you are doing it right now, and understand if you're committed and determined with this process you will see exactly exactly the clarity you need on where to take this.
So the third big myth and this one is almost probably one of the most dangerous. I mean the one I just shared a minute ago costs you hundreds of thousands of dollars if not millions over the course of your life. This one will probably be the most expensive myth that you buy into and that is this idea that you can put off planning and investing for your future.
Unfortunately, especially in the age group of my peers in their early to mid 20's, there are people who think that this is something that they can just put off. You know, they think "Oh, I've got my whole life to plan for my future. I can do this later on." And the reality is you have absolutely no idea the predicament you're putting your future self in by putting off investments now. I don't care where you are, I don't care where you are at financially, whether you're making $500 dollars a year or $50,000 or $500,000, you cannot put off building the financial rituals of planning for your future.
What is imperative no matter how small you start is that you simply start. So in order for you to understand exactly how much of a predicament you are putting your future self in by not taking action early on, I wanted to show you this hypothetical example. Now this is again hypothetical in the sense that these are not real people but these are real numbers.
So let's assume that Tom at age 25, he earns $40,000 a year, and he begins investing $5,500 a year from age 25 to 40. So from 25 to 40 – 15 years – $5,500 every year. That's what he invests, okay? And then let's say he's got a friend Harry who puts off investing. He earns a little bit more: $45,000 a year, and he invests $5,500 a year, but only from age 40 to 65.
So Tom invested from age 25 to age 40, and then stopped. And then Henry invested from age 40 to age 65. So what this means is Tom only invested for 15 years whereas Henry invested for 25 years – almost twice as long. Who's going to have more money?
Well, you may have an idea where this is going. Tom by age 65 who invested $5,500 a year for 15 years but started early at 25 ends up with almost $1.5 million at age 65, or excuse me at age 40. Harry, however, who is now age 65, invested $5,500 dollars a year from 40 to 65. He ends up with a mere $419,000. He missed out on over one million dollars, my friends. He invested for 10 more years, but he waited. Because of the power of compounding interest, he failed to capitalize on those first 10 years, and because of that he has a nest egg that is now less than one third of the size of his counterpart who started 10 years prior.
So again, my friend, I don't know what situation you are in. I don't know how much you're making, but it doesn't matter. That's what I want you to understand. You cannot put this off a single minute later, because every day you do you are costing your future self tens of thousands if not hundreds of thousands or millions of dollars. The single dollar bills that you're holding on to today and not putting towards your financial future end up becoming hundreds for your future self. That can either be a gift to your future self that you start putting in place now, if you know what right things to do, or it's going to end up shackling your future self, and you will look back with regret that you did not get started immediately.
I put this example here hopefully to stir you up, almost get a little bit of pain inside of you, because if you've not started to take steps towards achieving your financial freedom now is the time. So, let's continue. Let me give you one more example as to why this is so powerful. So now let's assume that Tom is age 25. He earns $40,000 a year, and he invests $5,500 a year from 25 to 40, but, let's assume Harry now is investing $5,500 dollars a year from 40 to 65.
They're both investing for 15 years – so same amount of years – not the same as the last example, but in this case Tom starts at 25. Harry starts at age 40. Well Tom ends up with just over a million dollars and Harry ends up with that $420,000. So again, even if you started early and then stopped, which you would never do, and I would never advise, the point is you've got to get started immediately. And again, that was also assuming that they put in the same amount every year which is not going to be the case for most individuals. They will probably increase which will be a recommendation as well. We can't put this off anymore.
Here's the next common financial myths that is absolutely devastating. The idea that if you want to achieve financial freedom and you want to magnify wealth, what you should do is selectively pick stocks. This is essentially glorified gambling, my friends. This is no way to bank on your financial future. The probably single biggest and most significant financial mind alive today, Warren Buffet, who is probably the most keen and savvy investor walking planet Earth, has this to say about picking the right stocks. He very much agrees that it is a fool's errand to try to selectively pick stocks that will out perform the overall market performance.
In fact, what he did is nine years ago, at the time of this filming, he put out a challenge to the financial Industry, and he said that if there was any hedge fund company or group of hedge funds or individual who could put together a stock portfolio that would outperform the overall market's performance as measured by the S & P 500 index fund... If you don't know what that means don't worry I'll explain more in detail.
But he put out a challenge to say "If there is anybody or any firm that could create a portfolio that performs the S & P 500 index which is a collection of 500 companies from the country that is essentially kind of a slice of American capitalism right? Instead of investing in a single stock, it's investing in a portion of those 500 companies, so it's a big amount of diversification, therefore. If anybody could out perform it over the course of nine years, he would offer a million dollars to them.
And now that bargain is about to be closed again at the time of this filming, and it's not looking good. The one company that took it on had a portfolio that performed at about 22% return on investment whereas the S and P 500 index has had an 85% return on investment at the time of this filming. So that shows you that the idea that you can selectively pick stocks... It just doesn't work. And this is again an industry that took this on that are supposedly the best financial minds out there.
It just does not work like that. You cannot pick selective stocks to outperform the market. You have no ability to capture the amount of knowledge necessary to be able to do that. But what you can do instead is to simply invest in the strength of American capitalism which, although dips at certain points like 2008 or other periods of time, overall has a huge inclination.
And again you're going for the long game in the game for financial freedom, which means that you want to be a frequent, constant, consistent investor in those specific areas with a diversified set of companies that represents the marketplace. Not a select few companies that tries to outperform the market.
So I hope that make sense at a big picture level again. My purpose in this training is to give you the high level. We dive into a lot more detail on this in the advanced course as well, but don't believe that you're going to achieve financial freedom by picking the right stocks or by picking the right crypto currencies which is kind of the new fad of the day. That is no way to achieve your financial freedom, my friend. It might be fun... I'm not making it wrong, but in order for you to have assurance that your financial goals will be met, we're trying to set you up with a process that will help you win.
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