Enemies and friends of Kapitalich: loans, savings and investments.


I am certainly not the smartest. Everything that I share on my channel, I had to comprehend from scratch, partly from hopelessness, partly from the desire to change my life.

But what I understood for sure is that there is no such thing as little money, and then a lot. These are two extremes, between which there is a certain path of financial development.

Similar to school and class transitions. If you’re successful, transitions can happen faster. If you lag behind, you stay in the same class, comprehend and correct previous mistakes, and make up for lost sight.

In this article I will share very simple recommendations for ordinary people and novice investors, which you yourself know, but may not use.

A lot of people in the comments write about loans, which, in principle, is not surprising — the wave of borrowers grew proportionally «

The problem arises at the «sweat» stage. But not at all in view of the debt itself (this is an aggravating circumstance), but due to the fact that the money (I declare with 99% probability) was invested in # liabilities

No matter how smart the passive is (even if it’s the latest Audi), it doesn’t make you richer, but it makes you poorer.

In other words,

Investment is the ownership and management of assets. # an asset makes you richer, generates a small financial stream that flows into your pocket.

In the future, many of these streams will allow you to buy liabilities and service them without financial damage to themselves.

If you have credits and you are puzzling over how to get out of them — I highly recommend reading the book «

One blogger said that the more wacky advice (

The truth is that credit / debt slavery is not only a monetary phenomenon, but also a psychological one.

This creates mental pressure, devalues all human labor at the moment (

The other side is money. Again, a person needs to give what he doesn’t have.

If the amount significantly exceeds the income, then debt recovery will take a long time. But if a person manages to form several passive sources of income and send the same money to pay off, it will be possible to pay off debts faster, and to be in the black as a result (after all, a passive source of income, albeit small, will already be formed).

Another enemy of the novice investor is luxury goods and other expensive liabilities, in the absence of assets.

Everyone wants to live better than they do now, and there is nothing wrong with that. It is bad if a person’s entire monthly income is spent on expensive purchases of something that does not create added value, does not form # cash flow

Once again, I will note that I am not against liabilities, expensive things, etc. I am for a constant, regular, systematic increase in capital at the expense of a small part of my income.

Let it be small amounts, the same 10% of the monthly income (described in the book), but it will be exactly the money that will change your personal financial situation.

I’m kidding, of course, but the truth is close by.

Everything related to the financial path can be roughly divided into 2 strategies:

Professional growth.

Everything related to active income: work, business, business, projects, part-time jobs.

Strategies, depending on the direction of activity, are different. But all imply professional growth — something that is directly reflected in the level of income.

Accumulation, preservation and increase of capital.

Again, the directions are different: bank deposits, accumulative insurance and, of course, investments.

The first affects the amount of income, and the second affects the income itself.

So, the main friend of a novice investor who is in the stage of capital accumulation is

But I’m talking about other savings.

If your goal is to accumulate capital, then it is worth reconsidering your consumption pattern.


Fortunately, the competition in the market has given rise to a lot of such opportunities: here there is a bank # cashback on the card, and discounts in stores, promotions, etc.

It also includes tax deductions and benefits, as well as various benefits.

As an example: many individual entrepreneurs can go to self-employment (and pay less taxes), and those who are officially employed can use IIS of type «A», which allows them to receive 13% of the money deposited to their account annually (I described this in detail in another article).

Perhaps, using all the benefits of competition in the market, you will not be able to save a lot of money, but I will note again:

From this moment begins what Kiyosaki called synergy in one of his books — a combination of different factors and tools that allow capital to increase. Each individual element enhances the others and serves a common purpose.

Let’s say you decided to form an investment portfolio from stocks.

Your monthly income is 25,000 rubles.

By saving 10%, you will receive 2,500 in your account. And the shares you have chosen are worth, say, 3.300 (let it be a dividend story like MTS).

If 2,500 is all there is, then either you postpone buying the stock for the next month, or choose other stocks, which in principle may not be in line with your strategy.

By buying the same products, but with discounts, and using bank card cashback, you can save (and invest) the amount of money that you are missing.

With this money, you mentally said goodbye when you went to the store. So, nothing prevents you from postponing them for savings.

If you are just starting to engage in investment activities, then no matter who you listen to and who you believe, you will still make a bunch of mistakes.

Nobody is immune to mistakes. Buffett (one of today’s great investors) recently bought shares in the company the day before they plummeted 7%.

In general, mistakes are normal. If one treats mistakes correctly (to analyze the reasons and draw conclusions, and not to give self-flagellation or accuse someone or something else), then they form the basis of experience.

And experience is what forms the basis of clarity and allows you to make the right decisions in the future.

The lack of initial capital can also become a blessing, because as it is formed and accumulated, a person learns to manage this capital.

And finally. I don’t know how and why, but the financial life of a person who has taken up investments is changing for the better. Money is only a resource, but this resource becomes larger when a person begins to dispose of it correctly.

At the same time, I have heard such remarks more than once: «

By the way, I notice this tendency in everyday life. Life constantly throws us simulators on which we can learn and become better. But most of these simulators perceive through the prism of censure, condemnation and despondency.

I recommend reading my other articles on the topic:

I wish you a successful investment and good income.

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