cover of episode The Ultimate Guide to Finding Financial Success in a Rigged World (5 Principles) - Rob Dix

The Ultimate Guide to Finding Financial Success in a Rigged World (5 Principles) - Rob Dix

2023/8/17
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Deep Dive with Ali Abdaal

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A
Ali Abdaal
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Rob Dix
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Ali Abdaal: 长期以来对金融体系运作机制缺乏了解,意识到储蓄并不能保证财富增长,甚至可能导致购买力下降。他认为,年轻时的收入能力是最好的金融资产,而理解金融体系的运作机制对于做出明智的财务决策至关重要。 Rob Dix: 2008年金融危机和2020年疫情期间的经济政策变化,促使他深入研究经济学,并写书分享自己的理解。他认为,现今的金融体系对普通人来说是不利的,因为储蓄必然导致购买力下降,而负债则受益于通货膨胀。他提出了五项原则,帮助人们在操纵的金融世界中获得财务成功。这五项原则是:忘记通过储蓄积累财富;负责任地承担债务;避免固定收益投资;投资于实际资产;以平淡无奇的方式投资股票市场。 Ali Abdaal: 他与Rob Dix讨论了金钱的本质、金融体系的运作机制、通货膨胀和利率等问题,并探讨了政府借贷和印钞的利弊。他还与Rob Dix讨论了财富税、租金管控等政策问题,以及如何管理夫妻双方的财务。 Rob Dix: 他详细解释了金钱的本质,指出金钱是一种社会约定,其价值并非固有,而是人们共同赋予的。他还解释了银行如何创造货币,以及政府如何通过调整利率来控制货币供应量。他分析了通货膨胀的原因和影响,指出通货膨胀对负债累累的政府来说是灾难性的,而储蓄则会因为通货膨胀而导致购买力下降。他认为,投资于实际资产(如房地产、黄金等)是应对通货膨胀的一种有效方式。

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Chapters
The episode begins with an introduction to the complexities of the money system, highlighting the lack of financial education and the impact of inherited money blueprints.

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When it comes to building wealth and getting rich, a lot of us want a quick fix answer / that miracle thing that will make us a millionaire. But really there’s no secret formula to get rich quick and personal finance is actually pretty straightforward, but a lot of us tend to shy away from learning about how money really works and where it comes from because we find it boring or because it requires us to do that slightly scary thing of projecting 20 years ahead. So today we have a guest to help us simplify all things money and finance in a digestible way. Rob Dix is an investment fund adviser, co-presenter of one of the UK’s most popular business podcasts (The Property Podcast) which I’m a big fan of, and the author of four best-selling books about property investment. Rob’s most recent book The Price Of Money: How to Prosper in a Financial World That’s Rigged Against You, is the book he wished he had on the topic money growing up, because despite the fact humans spend their entire lives trying to earn more money very few of us understand how it works and the best way to use it.

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