{"id":26194,"date":"2023-11-24T04:47:31","date_gmt":"2023-11-24T04:47:31","guid":{"rendered":"https:\/\/catalinx.ro\/wordpress\/?p=26194"},"modified":"2023-11-25T09:40:19","modified_gmt":"2023-11-25T09:40:19","slug":"sunt-fanul-1-al-lui-domnu-guda-despre-cum-sa-fii-sarac-cu-bani","status":"publish","type":"post","link":"https:\/\/catalinx.ro\/wordpress\/?p=26194","title":{"rendered":"Sunt fanul #1 al lui domnu’ Guda, despre cum s\u0103 fii s\u0103rac cu bani"},"content":{"rendered":"
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A scris omul o carte, lucreaz\u0103 la o aplica\u021bie despre cum s\u0103 \u021bii banii pe fug\u0103 – el zice altfel, nu-mi pas\u0103. \u0218i are un podcast <\/a> , reclam\u0103 la carte \u0219i la aplica\u021bia care \u00eenc\u0103 nu e gata \u0219i care zice el c\u0103 te va \u00eembog\u0103\u021bi. <\/p>\n\n\n\n

Are c\u00e2teva idei bune, mai bune dec\u00e2t aia cu s\u0103 te zg\u00e2rce\u0219ti la ce ap\u0103 bei, am s\u0103 le men\u021bionez \u0219i e cinstit s\u0103-l apreciez pentru asta. <\/p>\n\n\n\n

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  1. C\u0103 la \u00eenceput de carier\u0103 \u0219i de via\u021b\u0103 de munc\u0103 cea mai bun\u0103 investi\u021bie pe care o po\u021bi face nu e \u00een ac\u021biuni, burs\u0103, cripto \u0219i alte obiecte financiare care-\u021bi trec prin cap, ci s\u0103 investe\u0219ti \u00een tine, ca s\u0103 po\u021bi face mai mul\u021bi bani. <\/strong><\/li>\n<\/ol>\n\n\n\n

    Cu at\u00e2ta lucru sunt de acord, e bine c\u0103 o spune, lumea \u00eentreag\u0103 e a\u0219a cum e c\u0103 suntem at\u00e2t de limita\u021bi \u00een competen\u021b\u0103 \u0219i cunoa\u0219tere. A\u0219 completa c\u0103 mereu cea mai bun\u0103 investi\u021bie dac\u0103 po\u021bi s-o faci este \u00een tine C\u0102 PENTRU TINE TR\u0102IE\u0218TI, COAIE, nu s\u0103 faci bani pentru b\u0103nci \u0219i mai \u0219tiu eu ce. Cel pu\u021bin p\u00e2n\u0103 faci copii, dup\u0103 care, dac\u0103 decizi asta, cea mai bun\u0103 investi\u021bie este \u00een acei copii, c\u0103 ei sunt viitorul, nu profitul la burs\u0103 sau fonduri mutuale. <\/p>\n\n\n\n

    2. Din to\u021bi banii produ\u0219i trebuie s\u0103 \u0219i economise\u0219ti. Oric\u00e2t de pu\u021bin. Acest lucru este corect , din p\u0103cate poate fi imposibil, c\u00e2nd la final de lun\u0103 nu reu\u0219e\u0219ti s\u0103 duci balan\u021ba pe zero, dec\u00e2t dac\u0103 dormi \u00eentre cartoane. \u0218i s-ar putea s\u0103 ajungi at\u00e2rnat de grind\u0103 dac\u0103 for\u021bezi nota prea tare.<\/p>\n\n\n\n

    <\/p>\n\n\n\n

    Dup\u0103 care domnul vine cu 2 idei de aur despre cum s\u0103-\u021bi ob\u021bii independen\u021ba financiar\u0103 \u00een 15 ani:<\/p>\n\n\n\n

      \n
    1. S\u0103 investe\u0219ti tot timpul 25% din ce c\u00e2\u0219tigi<\/li>\n\n\n\n
    2. S\u0103 o faci cu un randament de 10%<\/li>\n<\/ol>\n\n\n\n

      \u0218i doar \u00een mintea lui acestea sunt posibile. <\/p>\n\n\n\n

      Am s\u0103 fiu cinstit \u0219i-o s\u0103 recunosc c\u0103 nu sunt cel mai ordonat om, nu investesc 25% din ce c\u00e2\u0219tig, cred – de\u0219i nu-s multe lucruri care m\u0103 \u00eempiedic\u0103 s\u0103 fac asta , dar s\u0103 zicem c\u0103 nu inten\u021bionez s\u0103-mi c\u00e2\u0219tig independen\u021ba financiar\u0103 \u00een 15 ani, am ratat demult borna aia , din alte motive , cum ar fi c\u0103 a fost imposibil s\u0103 investesc 25% \u00een ceva ce produce bani ( altceva dec\u00e2t mine) pentru foarte mult timp, c\u0103 unii dintre noi au facut copii la 24 de ani nu la 37, lol, c\u0103 prefer s\u0103 tr\u0103iesc dec\u00e2t s\u0103 duc un r\u0103zboi de independen\u021b\u0103 de 15 ani. A\u0219 putea investi jum\u0103tate sau mai bine, dar prefer s\u0103 bag banii \u00een cas\u0103, s\u0103 tr\u0103iesc – mi-a pl\u0103cut asta – \u00eentr-o cas\u0103 mare ( de fapt) \u00een mai multe, lol, \u0218I S\u0102 MUNCESC PENTRU ASTA, <\/strong> dec\u00e2t s\u0103 muncesc pentru independen\u021ba financiar\u0103 \u0219i s\u0103 tr\u0103iesc cum viseaz\u0103 el, \u00eentr-un apartament de 2, 3, 4 camere \u0219i PESTE 10 ANI s\u0103-mi construiesc o cas\u0103 din RANDAMENTUL portofoliului de investi\u021bii, gen du-te \u00een pula mea, a\u0219tep\u021bi p\u00e2n\u0103 la 48 de ani ca s\u0103 te mu\u021bi \u0219i tu \u0103ntr-o cas\u0103, ca omul , <\/strong> iar p\u00e2n\u0103 atunci \u00ee\u021bi exerc\u021bi independen\u021ba financiar\u0103 tr\u0103ind ca un \u0219obolan \u00een apartamente de Bucure\u0219ti. Hei, nu o spun ca s\u0103 jignesc pe nimeni – AM TR\u0102IT A\u0218A, este o exagerare, se poate tr\u0103i, de ce nu, dar NU IMI PERMITEAM MAI BINE. Sub nicio form\u0103 n-am tr\u0103it vreodat\u0103 ca un \u0219obolan , cu banii \u00een buzunar sau la banc\u0103 \u0219i nici m\u0103car nu-s vreun om care vrea s\u0103 tr\u0103iasc\u0103 pe picior mare, cu aere de nobil sau ceva. <\/p>\n\n\n\n

      \u00centrebarea e pentru ce vrei independen\u021ba aia financiar\u0103? Ca s\u0103 stai \u00een cutii de chibrite, s\u0103 n-ai casa ta, s\u0103 te mu\u021bi din cote\u021b \u00een cote\u021b \u00een ideea de optimizare economic\u0103? <\/p>\n\n\n\n

      DAC\u0102 asta vrei, ca om, cine sunt eu s\u0103 spun nu, \u00eens\u0103 s\u0103 o vinzi ca pe un model de via\u021b\u0103…<\/p>\n\n\n\n

      Dup\u0103 care randamentul de 10% s\u0103 fie musai garantat. Omul are re\u021beta economic\u0103 clasic\u0103 – ETF, mai exact indicele BET ( bursa din Romania ), care pe ultimii 25 de ani<\/strong> omul vorbeste de randamentul mediu anual de aproape 13%. Nici nu-l verific. Ave\u021bi aici secretele economiei cu Guda. <\/a>
      Raportat la anul 2022, ultimul pe care cunoa\u0219tem randamentul, 25 de ani sunt din 1997. <\/p>\n\n\n\n

      Ce nu spune omul e c\u0103 INFLA\u021aIA MEDIE ANUAL\u0102 PE ULTIMII 25 DE ANI , ADIC\u0102 DIN 1997 P\u00c2N\u0102 ACUM, B\u0102 GUDO, A FOST DE CIRCA 18%<\/strong><\/a>. <\/p>\n\n\n\n

      Cum are veni c\u0103 dac\u0103 investeai \u00een indicele BET al pizdii \u00een ultimii 25 de ani nu erai niciun independent financiar, ci aveai mai PU\u021aIN\u0102 VALOARE ( EQUITY) dec\u00e2t ai investit, \u00een cazul \u00een care a uitat, a trebuit s\u0103 t\u0103iem ni\u0219te zerouri de la bani de bine ce mergea treaba. <\/p>\n\n\n\n

      Dar Guda \u0219tie el cum s\u0103 ai randament 10% – \u0103sta ar trebui s\u0103 fie peste infla\u021bie. \u00cenfla\u021bia a fost 13.8% \u00een Rom\u00e2nia anul trecut , futu-i mor\u021bii m\u0103-sii de treab\u0103. <\/p>\n\n\n\n

      De aia oamenii de felul \u0103sta v\u00e2nd re\u021bete de faliment. C\u0103 ei \u00ee\u0219i imagineaz\u0103 mai mult dec\u00e2t pot reproduce dup\u0103 re\u021beta lor. Nu e c\u0103 ceea ce spune el musai gre\u0219it – p\u00e2n\u0103 la un punct,revin mai jos. <\/p>\n\n\n\n

      Dar de la un nene cu doctorat \u00een economie m\u0103 a\u0219tept la mai mult de at\u00e2t. <\/p>\n\n\n\n

      Punctul \u0103la nasol e c\u0103 omul pune toate problemele \u00een contextul de ce s\u0103 cheltui bani c\u00e2nd pot s\u0103 \u00eei pun s\u0103 fac\u0103 al\u021bi bani pentru mine , c\u0103 s\u0103 fiu independent financiar \u0219i s\u0103 nu mai depind de munc\u0103. <\/p>\n\n\n\n

      Nu e nimic \u00een neregul\u0103 \u00een a depinde de munc\u0103, b\u0103. Cu excep\u021bia cazului \u00een care nu \u00ee\u021bi place munca. Nu e c\u0103 dac\u0103 nu mai po\u021bi munci, pentru aia exist\u0103 asigur\u0103ri. <\/p>\n\n\n\n

      Este c\u0103 p\u00e2n\u0103 la v\u00e2rsta la care trebuie s\u0103 te retragi c\u0103 nu prea mai e\u0219ti util sau nu \u00ee\u021bi mai po\u021bi \u021bine b\u0103\u0219inile \u00een p\u00e2ntece e OK s\u0103 depinzi de munc\u0103. Nu s\u0103 tr\u0103ie\u0219ti de azi pe m\u00e2ine, dar altfel, e chiar indicat. <\/p>\n\n\n\n

      Are dumnealui mai multe logici de genul \u0103sta prin care te \u00eendeamn\u0103 s\u0103 m\u0103n\u00e2nci c\u0103cat \u0219i s\u0103 fii un fel de Hagi Tudose \u0219i hei, eu chiar sunt a\u0219a, in unele repere, dar nu \u00eemi calzulez totul \u00een c\u00e2\u021bi bani o s\u0103 ob\u021bin \u00een 11 ani daca investesc suma asta in loc s\u0103 incheltuiesc? In 11 ani o s\u0103 fiu b\u0103tr\u00e2n. At\u00e2ta \u0219tiu. Iar nenea nu pare c\u0103 \u0219tie. <\/p>\n\n\n\n

      Ultima chestie de men\u021bionat este aia cu casa. Omul spune c\u0103 a luat un fel de \u021beap\u0103 cu ceva garsonier\u0103 prin 2008 \u0219i se vede c\u0103 e marcat de treaba asta. Dar nu e c\u0103 a \u00eenv\u0103\u021bat ceva, ci c\u0103 a c\u0103p\u0103tat un bias. To\u021bi am c\u0103p\u0103tat , care am tr\u0103it criza aia . <\/p>\n\n\n\n

      El zice c\u0103 nu investe\u0219te \u00een case dec\u00e2t \u00een cas\u0103 \u00een care locuie\u0219te \u0219i \u0219i acolo cu limite. Zice el c\u0103 pre\u021burile \u00een Bucure\u0219ti acum sunt mari , c\u0103 salarii – c\u0103 vor sc\u0103dea, c\u0103. Habar nu are ce vorbe\u0219te. E evident c\u0103 nu \u0219tie nici c\u00e2t e infla\u021bia, dar mi se pare amuzant c\u0103 vorbe\u0219te de independen\u021ba lui financiar\u0103 , dar locuie\u0219te \u00eentr-un apartament \u0219i are \u0219i un copil. <\/p>\n\n\n\n

      Po\u021bi fi u\u0219or independent financiar dac\u0103 tr\u0103ie\u0219ti toat\u0103 via\u021ba \u00eentr-o cutie de carton. Mie \u00eens\u0103 asta \u00eemi spune doar c\u0103 e\u0219ti o lepr\u0103 \u0219i nu \u00ee\u021bi place munca, sau poate nu ai investit destul in tine \u0219i e\u0219ti un pic in urm\u0103. P\u0103rerea mea. <\/p>\n\n\n\n

      <\/p>\n\n\n\n

      <\/p>\n","protected":false},"excerpt":{"rendered":"

      A scris omul o carte, lucreaz\u0103 la o aplica\u021bie despre cum s\u0103 \u021bii banii pe fug\u0103 – el zice altfel, nu-mi pas\u0103. \u0218i are un…<\/p>\n","protected":false},"author":2,"featured_media":26518,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[621,3499],"tags":[5694],"class_list":["post-26194","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articole","category-economie","tag-economia-lui-guda"],"views":1208,"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2023\/11\/branza-guda.jpg","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p4Eq23-6Ou","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/26194","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=26194"}],"version-history":[{"count":2,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/26194\/revisions"}],"predecessor-version":[{"id":26316,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/26194\/revisions\/26316"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/media\/26518"}],"wp:attachment":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=26194"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=26194"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=26194"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}