14 Years of Investing: Everything I Learned

13:48 - Should be per month not per year*

here's my free investing course 'Index Funds For Beginners': https://financialinterest.com/index-funds-for-beginners/

The funny thing about investing is that the less exciting it is, the more money you usually make.

Increasing tax rates are the reason I rolled over my 401k to a Roth. I don’t want to be 59 paying taxes on current income on withdrawals made from my retirement account. I'm now seeking best possible areas or strategy to keep my retirement contributions on track to my $5m goal.

Honest question — how long did it take everyone here to feel genuinely confident in their strategy? I feel like nobody talks about the mental side of investing

0:17 I think he chose two great pieces of wisdom.

Caught the bubble. …… we all did.

All your videos say the same thing🤣🤣🤣

I’m so grateful for your videos, as I don’t think I would have started investing without it! I’ve been wondering whether it’s worth maxing out a stocks and shares lisa every year for the £1k gov bonus before going through to trading 212. Have you got any thoughts on that?

Hi l just watche one of your videos am l to old l am now in stock and shares ISA in vangaurd all world l was going to cash in and come off due to lots of comments on media as a 61 year old lm old but due to listening to you lm now going to carry on so thanks for your thoughts that in our 60s were not to old to invest.

A lot of people chase "early retirement hacks," but this really flips the script build the foundation first, then create income streams that actually support early freedom. After working with a financial advisor, she really changed my approach to money and helped shape my growth, especially around strategies like real estate cash flow and low-turnover funds instead of trying to outsmart retirement rules.

Investing in the longest bull run in history is blooming easy. Good luck for the next fourteen.

I appreciate that you don’t use AI for your scripts

thanks for that. this is the first video of yours ive seen so ive subscribed and will be working my way through your backlog. FWIW, i think the trick to successful investing is being able to sleep at night not worrying what your investments might be doing. ive tried but am not suited psychologically/emotionally to running a share portfolio because i worry constantly about it. recently decided to just put my ISA money in a portfolio of global Vanguard index trackers and let the planet work for me. as long as nobody starts WW3, ive eliminated the risk of a catastrophic loss and have enough in cash funds to ride out any global downturns. Thats the plan anyway!

Seriously, what is this obsession passive investors have with "the average stock" or "the average fund," as if you picked a stock or fund at random and could never leave it no matter how badly it did?

Saying that "96% of stocks in the Russell 2000 will experience a 70% drop they won't recover from" over an extremely long period doesn't mean this is likely to happen to you, since you can actually use the brain God gave you and examine a business to see how shaky it is before you invest in it. You aren't forced to buy "the average company," and the fact that a company might statistically experience a 70% drop over a 50 year window doesn't mean it's likely to happen during the time you own it.

Ditto with mutual funds. Indexers are forever telling us that "the average actively managed fund" underperforms, or that "80-90% of actively managed funds don't outperform the S&P 500" as if there is nothing in the world you could do to find and get yourself into a better fund.

This claim is, in fact, disingenuous, since it lumps together a wide range of funds with a wide range of objectives meant for a wide range of risk tolerances. A fund may be optimized for dividends, current income, lower risk, lower volatility, or exposure to a specific market sector--all of which might cause a fund to have lower long-term returns than the S&P 500 even if they're fulfilling the goals of their investors. Comparing these funds to an index is like comparing family sedans to a Formula 1 racing car and then saying "most cars aren't as fast as Formula 1 racing car"--technically true but quite beside the point, since a family sedan serves different purposes and is optimized for different things.

When you take out those funds, and look just at actively managed funds actively attempting to compete with their relevant index, the percentage who underperform drops tremendously.

Essentially, passive investors simply assume investors won't do the very things that constitute investing before they put their money into an investment--which is a bizarre way to go about investing, to say the least.

Fire 🔥

The first video I watched of yours, in the first few moments, I honestly thought, "eh, this is just another no-name YouTuber who talks to people without knowing what's really going on". I can see I was quite wrong. Your advice and thoughts are highly articulated and considered, and appreciated. Thank you.

Another shitty ultra long video.

Love this channel. Thanks for that. I also follow the Ramsey Show and they have the same basic principles of diversifying investments and consistently invest over the longterm rather than 'timing it'.

I've marked your videos as essential viewing for my children. Everything they didn't learn at school, they'll learn from you. A massive inflation beating thanks!!

Love your video, pls more!!