Experto en Finanzas: Deja de Depender de la Nómina - Empieza Así a Crear Activos | Javier del Valle
La Orden del Dinero
83,919 views
📚 Exclusive gift for the Community:
https://laordendeldinero.com/javier-d...
➡️ You can learn more about Javier del Valle at:
► Instagram: Instagram: javieerdelvalle
► Website: https://jfpartners.net
The Order of Money is also on:
► Instagram: Instagram: laordendeldinero
► TikTok: TikTok: laordendeldinero
► Contact: laordendeldinero@gmail.com
Do you really need to earn more money, or do you need to learn how to create assets?
In this interview, Javier del Valle explains why having money sitting idle in the bank doesn't mean it's safe, how the monetary system really works, why inflation impoverishes the middle class, and why working, saving, and relying solely on a paycheck is no longer enough.
During the conversation, we discussed money, debt, inflation, the CPI, salaries, assets, savings accounts, equities, fixed income, gold, Bitcoin, real estate, index funds, ETFs, pension plans, the 60/40 portfolio, pawning assets, and how to start investing with as little as €150 a month.
Javier argues that we live in an asset-based economy, not just a wage-based one. Therefore, those who own assets can better protect themselves from the system, while those who only save in euros see their purchasing power gradually erode.
In this episode, you will learn:
✅ Why the money in your bank account isn't as "idle" as it seems.
✅ How money is created and why this affects the price of everything.
✅ Why your salary can increase and still make you poorer.
✅ What it means to live in an asset-based economy.
✅ Why the middle class needs to start building wealth.
✅ Which assets make sense for someone starting to invest?
✅ How to prioritize savings accounts, equities, fixed income, gold, Bitcoin, and real estate.
✅ Why fixed income isn't always as fixed as it seems.
✅ What are the problems with investing solely in the S&P 500 or the MSCI World?
✅ What returns can a conservative or aggressive portfolio aim for?
✅ Where to start if you can only invest €150 per month?
✅ What are the risks of pledging assets and why you shouldn't do it without understanding them?
⏱️ TIMESTAMPS:
00:00 Trailer: Salary, Assets, and How to Start Investing
01:02 What Is the Money You Have in the Bank, Really?
04:33 Why Financial Education Isn't Taught
09:47 Why We Should All Understand Money
11:10 How Money Is Created and Destroyed
12:17 The Monopoly Example and Inflation
17:22 Why Financial Assets Also Rise
21:12 Why Governments Prefer Inflation to Deflation
27:07 The Solution: Shifting from Salary to Assets
35:57 The Get-Round Culture and How to Build a Portfolio
36:46 What Is the CPI, Real?
39:12 Why Prices Don't Fall Even When Inflation Falls
40:12 Savings Accounts, Real Estate, Gold, Bitcoin, Stocks, and Fixed Income
41:18 Emergency Funds and First Steps to Investing
49:52 Fixed Income Explained Simply
53:07 Why the Traditional 60/40 Portfolio Has Failed
57:54 How to Start Investing in Stocks
01:05:15 How to Build a Core-Satellite Portfolio
01:06:46 Healthy Average Return for the Average Investor
01:15:21 Current Market Situation and Government Debt
01:27:22 Where to Begin Investing Education
01:31:15 Funds, ETFs, and Stocks: The Logical Order
01:41:53 Pledge: How Those with Assets Use Debt
01:42:21 The Risks of Pledge Without Understanding It
01:43:55 If You Save €150 a Month, Do This
01:45:51 Conclusions and Farewell
The opinions expressed during the interview belong to the guest and are for informational purposes only. This content does not constitute financial or tax advice, nor a personalized investment recommendation. Before making a decision, study the risks and consult with qualified professionals.
20 Comments
Experto en Finanzas: Deja de Depender de la Nómina - Empieza Así a Crear Activos | Javier del Valle
La Orden del Dinero
83,919 views
📚 Exclusive gift for the Community:
https://laordendeldinero.com/javier-d...
➡️ You can learn more about Javier del Valle at:
► Instagram: Instagram: javieerdelvalle
► Website: https://jfpartners.net
The Order of Money is also on:
► Instagram: Instagram: laordendeldinero
► TikTok: TikTok: laordendeldinero
► Contact: laordendeldinero@gmail.com
Do you really need to earn more money, or do you need to learn how to create assets?
In this interview, Javier del Valle explains why having money sitting idle in the bank doesn't mean it's safe, how the monetary system really works, why inflation impoverishes the middle class, and why working, saving, and relying solely on a paycheck is no longer enough.
During the conversation, we discussed money, debt, inflation, the CPI, salaries, assets, savings accounts, equities, fixed income, gold, Bitcoin, real estate, index funds, ETFs, pension plans, the 60/40 portfolio, pawning assets, and how to start investing with as little as €150 a month.
Javier argues that we live in an asset-based economy, not just a wage-based one. Therefore, those who own assets can better protect themselves from the system, while those who only save in euros see their purchasing power gradually erode.
In this episode, you will learn:
✅ Why the money in your bank account isn't as "idle" as it seems.
✅ How money is created and why this affects the price of everything.
✅ Why your salary can increase and still make you poorer.
✅ What it means to live in an asset-based economy.
✅ Why the middle class needs to start building wealth.
✅ Which assets make sense for someone starting to invest?
✅ How to prioritize savings accounts, equities, fixed income, gold, Bitcoin, and real estate.
✅ Why fixed income isn't always as fixed as it seems.
✅ What are the problems with investing solely in the S&P 500 or the MSCI World?
✅ What returns can a conservative or aggressive portfolio aim for?
✅ Where to start if you can only invest €150 per month?
✅ What are the risks of pledging assets and why you shouldn't do it without understanding them?
⏱️ TIMESTAMPS:
00:00 Trailer: Salary, Assets, and How to Start Investing
01:02 What Is the Money You Have in the Bank, Really?
04:33 Why Financial Education Isn't Taught
09:47 Why We Should All Understand Money
11:10 How Money Is Created and Destroyed
12:17 The Monopoly Example and Inflation
17:22 Why Financial Assets Also Rise
21:12 Why Governments Prefer Inflation to Deflation
27:07 The Solution: Shifting from Salary to Assets
35:57 The Get-Round Culture and How to Build a Portfolio
36:46 What Is the CPI, Real?
39:12 Why Prices Don't Fall Even When Inflation Falls
40:12 Savings Accounts, Real Estate, Gold, Bitcoin, Stocks, and Fixed Income
41:18 Emergency Funds and First Steps to Investing
49:52 Fixed Income Explained Simply
53:07 Why the Traditional 60/40 Portfolio Has Failed
57:54 How to Start Investing in Stocks
01:05:15 How to Build a Core-Satellite Portfolio
01:06:46 Healthy Average Return for the Average Investor
01:15:21 Current Market Situation and Government Debt
01:27:22 Where to Begin Investing Education
01:31:15 Funds, ETFs, and Stocks: The Logical Order
01:41:53 Pledge: How Those with Assets Use Debt
01:42:21 The Risks of Pledge Without Understanding It
01:43:55 If You Save €150 a Month, Do This
01:45:51 Conclusions and Farewell
The opinions expressed during the interview belong to the guest and are for informational purposes only. This content does not constitute financial or tax advice, nor a personalized investment recommendation. Before making a decision, study the risks and consult with qualified professionals.