PARE DE INVESTIR: uma visão sobre a utilidade marginal do dinheiro
Canal do Holder
22,525 views
👉 Learn how to invest with me in Brazil and abroad: https://membros.canaldoholder.com.br/...
Before investing another penny, answer this fundamental question for those seeking long-term success.
Many investors focus only on choosing assets, but forget the most important question for financial success: do you need another glass of water? This reflection on the marginal value of money is essential for those who wish to build wealth consistently. Understanding this dynamic helps adjust your strategy and align your expectations with market reality.
The habit of investing is the first step, but the true engine of your financial growth lies in increasing your monthly contributions. Throughout this content, we discuss how the evolution of your wealth depends less on abrupt movements and more on continuous discipline. If your goal is to invest safely for the long term, now is the time to reassess your focus and ensure you are prioritizing what truly delivers results in your wealth accumulation.
In this video:
00:00 How much should you invest for the long term?
03:31 When contributions stop making a difference to your net worth
05:59 Free time, age, and the marginal utility of money
08:48 Building phase: contributions or profitability?
13:33 Transition phase: Increase income, save more, or enjoy life?
15:34 Maintenance phase: when investing less makes sense
18:24 How to balance wealth, contributions, and quality of life
How I got here...
17 years old - I started investing in the Brazilian stock market, buying my first stocks and Real Estate Investment Trusts (REITs).
18 years old - I enrolled in the Civil Engineering course at the University of Brasília.
19 years old - I started my entrepreneurial journey in the real estate market.
20 years old - I developed the habit of investing my monthly earnings in companies on the stock market for the long term.
21 years old - After much study, I decided I wanted to work in the financial market.
22 years old - I graduated in Civil Engineering.
23 years old - I went to Harvard to study Accounting and Macroeconomics.
23 years old - I got my first job as an equity analyst in the financial market.
24 years old - I made my first investment in dollars and created a routine of investing every month in the US market in Stocks, REITs, and ETFs.
24 years old - I worked as an equity analyst at one of the largest pension funds in Brazil.
25 years old - I completed my MBA in Finance from the Brazilian Institute of Capital Markets (IBMEC).
26 years old - I created the Holder Channel to teach ordinary people how to invest for the long term.
27 years old - The income from my investments already exceeded all my monthly expenses.
28 years old - I quit my last job in the financial market to work 100% of the time teaching online.
28 years old - I created the From Zero to Holder course, which had 175 students in the first class.
28 years old - More than 100,000 investors were subscribed to the Holder Channel (today we are more than 300,000).
29 years old - I expanded my teaching network to other platforms besides YouTube (@fabio.holder on all of them).
30 years old - I created Dollar Masters, the best teaching program for those who want to build wealth in dollars, and we had 415 students in the first class.
31 years old - Our student platform reaches the mark of 3,000 students.
32 years old - I took a sabbatical year to reflect on what was really important in my life.
33 years old - I returned to producing content on all my social networks.
Today: Thanks to starting to invest early and with a lot of discipline, I can live a life of peace and tranquility.
To all the holders here, know that we are all in the same boat and building our stories – inside and outside the stock market.
Having money isn't everything in life, but building wealth helps you have security, achieve your dreams, and help others.
If you're new here, make yourself at home. To those who are already part of the family, welcome back.
Start investing and never stop.
Fabio Holder
(CNPI n. 6770)
In this lesson, I share my investment method that I have used for the last 16 years investing in the stock market and that has allowed me to invest my money in the best possible way to live off the income. This is the Holder Method of Wealth Accumulation.
20 Comments
Tenho 36 anos, esposa, filha. 5,83% dessa sua conta e tenho recentemente me questionado sobre esse tema.
Muito obrigado pelos ensinamentos.
Desde 2019 que te acompanho e seu conteúdo foi importantíssimo para a minha mudança de vida. Muito obrigado e muitas bençãos para você e sua família.
Nasceu pra ser professor, mesmo.
Parabéns!
PARE DE INVESTIR: uma visão sobre a utilidade marginal do dinheiro
Canal do Holder
22,525 views
👉 Learn how to invest with me in Brazil and abroad: https://membros.canaldoholder.com.br/...
Before investing another penny, answer this fundamental question for those seeking long-term success.
Many investors focus only on choosing assets, but forget the most important question for financial success: do you need another glass of water? This reflection on the marginal value of money is essential for those who wish to build wealth consistently. Understanding this dynamic helps adjust your strategy and align your expectations with market reality.
The habit of investing is the first step, but the true engine of your financial growth lies in increasing your monthly contributions. Throughout this content, we discuss how the evolution of your wealth depends less on abrupt movements and more on continuous discipline. If your goal is to invest safely for the long term, now is the time to reassess your focus and ensure you are prioritizing what truly delivers results in your wealth accumulation.
In this video:
00:00 How much should you invest for the long term?
03:31 When contributions stop making a difference to your net worth
05:59 Free time, age, and the marginal utility of money
08:48 Building phase: contributions or profitability?
13:33 Transition phase: Increase income, save more, or enjoy life?
15:34 Maintenance phase: when investing less makes sense
18:24 How to balance wealth, contributions, and quality of life
How I got here...
17 years old - I started investing in the Brazilian stock market, buying my first stocks and Real Estate Investment Trusts (REITs).
18 years old - I enrolled in the Civil Engineering course at the University of Brasília.
19 years old - I started my entrepreneurial journey in the real estate market.
20 years old - I developed the habit of investing my monthly earnings in companies on the stock market for the long term.
21 years old - After much study, I decided I wanted to work in the financial market.
22 years old - I graduated in Civil Engineering.
23 years old - I went to Harvard to study Accounting and Macroeconomics.
23 years old - I got my first job as an equity analyst in the financial market.
24 years old - I made my first investment in dollars and created a routine of investing every month in the US market in Stocks, REITs, and ETFs.
24 years old - I worked as an equity analyst at one of the largest pension funds in Brazil.
25 years old - I completed my MBA in Finance from the Brazilian Institute of Capital Markets (IBMEC).
26 years old - I created the Holder Channel to teach ordinary people how to invest for the long term.
27 years old - The income from my investments already exceeded all my monthly expenses.
28 years old - I quit my last job in the financial market to work 100% of the time teaching online.
28 years old - I created the From Zero to Holder course, which had 175 students in the first class.
28 years old - More than 100,000 investors were subscribed to the Holder Channel (today we are more than 300,000).
29 years old - I expanded my teaching network to other platforms besides YouTube (@fabio.holder on all of them).
30 years old - I created Dollar Masters, the best teaching program for those who want to build wealth in dollars, and we had 415 students in the first class.
31 years old - Our student platform reaches the mark of 3,000 students.
32 years old - I took a sabbatical year to reflect on what was really important in my life.
33 years old - I returned to producing content on all my social networks.
Today: Thanks to starting to invest early and with a lot of discipline, I can live a life of peace and tranquility.
To all the holders here, know that we are all in the same boat and building our stories – inside and outside the stock market.
Having money isn't everything in life, but building wealth helps you have security, achieve your dreams, and help others.
If you're new here, make yourself at home. To those who are already part of the family, welcome back.
Start investing and never stop.
Fabio Holder
(CNPI n. 6770)
In this lesson, I share my investment method that I have used for the last 16 years investing in the stock market and that has allowed me to invest my money in the best possible way to live off the income. This is the Holder Method of Wealth Accumulation.