Скачать или смотреть Why Most People Stay Broke Even When They Work Hard

Most people assume that financial success comes down to earning more money, working harder, or having better self-control.
That assumption is one of the most damaging myths in personal finance.

In this long-form audio episode, Charlie Munger walks through the real reason most people never build lasting wealth. Not because they lack intelligence or effort, but because their financial lives depend on motivation, memory, and leftover money instead of systems that run automatically.

This episode breaks down why budgeting fails under real-life pressure, why saving manually almost always collapses over time, and why the most important decision is not what you invest in, but whether investing happens without constant effort.

You’ll hear why delay quietly destroys compounding, why waiting to feel “ready” costs more than market volatility, and why people with average incomes often outperform high earners simply by removing choice from the equation.

This is not a list of tips.
It is a clear explanation of how financial systems actually work in the real world and why automation matters more than discipline.

If you’ve ever felt like you were doing everything right but still falling behind, this episode will help you understand why and what needs to change.

This is the first episode in a multi-part series focused on long-term wealth, retirement stability, and building a financial life that works even when motivation fades.

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