Скачать или смотреть Charlie Munger: Why You Can’t Save Money (And It’s Not Your Fault)

Charlie Munger, the late Vice Chairman of Berkshire Hathaway and Warren Buffett’s indispensable partner, was renowned for his "multidisciplinary" approach to wealth. Rather than focusing on stock charts, Munger prioritized the psychology of human misjudgment. He famously argued that high intelligence is useless if it is constantly undermined by biological biases and poor mental infrastructure. By studying his 99 years of wisdom, investors can learn how to build systems that protect them from their own worst impulses.

This video explores 5 rules to hack your behavior with money, moving beyond the tired cliché of "willpower." You will discover why relying on discipline is a losing strategy and how to replace it with architectural changes to your financial life. From the math of automation to the concept of strategic friction, these principles are designed to turn your behavior into a compounding machine. Learn how to master your money behavior and avoid the common financial traps that keep the majority in a cycle of consumerism.

🔥 What You'll Learn:

✅ The "Fadiga de Decisão" solution: How automating your investments eliminates the biological cost of willpower and prevents the 100% failure rate of manual saving.
✅ The Power of Friction: Why inserting a mandatory 48-hour cooling-off period acts as a physical shield against the impulsive spending that destroys long-term compounding.
✅ Asset Owner Identity: How shifting from a "Consumer" mindset to an "Equity" mindset prevents you from losing 80% of your capital’s value on depreciating status symbols.
✅ Incentive-Caused Bias: Why an "Auditory Social" audit is required to stop your environment from subconsciously forcing you to spend 20% more just to fit in.
✅ The Error Log Strategy: How maintaining a "Cemitério de Decisões" prevents the repetitive psychological mistakes that cost Munger and Buffett billions in missed opportunities.

📚 Recommended Reading

If you want to understand Charlie Munger’s philosophy — and explore other bestselling books that expand your thinking on wealth, rationality, and long-term investing — here are some essential titles:

👉 Poor Charlie’s Almanack: https://amzn.to/4rbfqlQ
👉 The Tao of Charlie Munger: https://amzn.to/49vKdn0
👉 Seeking Wisdom (From Darwin to Munger): https://amzn.to/4o86kU6

📘 More Best-Sellers That Fit Munger’s Principles: (Decision-making • Mental Models • Psychology of Money)

👉 The Psychology of Money — Morgan Housel: https://amzn.to/49qa6EP
👉 Thinking, Fast and Slow — Daniel Kahneman: https://amzn.to/4pf9dU6
👉 Atomic Habits — James Clear: https://amzn.to/4ieBKaa
👉 The Art of Thinking Clearly — Rolf Dobelli: https://amzn.to/4pjqbk6

💬 Drop a comment with which money trap you've fallen into most often. Brutal honesty only.

👍 Hit like if this video exposed a behavioral flaw you were making with your money.

🔔 Subscribe for uncomfortable truths and mental models that actually build wealth.

About This Channel:

Charlie Munger (1924-2023) wasn't just Warren Buffett's partner—he was one of the greatest independent thinkers in finance and life. This channel distills his mental models, investment principles, and brutally honest wisdom into lessons you can actually use. No hype. No shortcuts. Just timeless principles from a man who lived 99 years proving them. If you're tired of financial noise and want clear thinking instead, you're in the right place.

⚠️ Content Disclaimer:

This video uses AI-generated voice and content inspired by Charlie Munger's publicly available wisdom, speeches, and writings. Charlie Munger passed away on November 28, 2023, at age 99. This channel honors his legacy by sharing his timeless principles. This content is for educational purposes only. Not financial advice. Always consult a qualified professional for personal financial decisions.

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