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These are the user uploaded subtitles that are being translated: 1 1 00:00:01,631 --> 00:00:05,464 (rhythmic instrumental music) 2 2 00:00:35,276 --> 00:00:36,109 Welcome to the complete 3 3 00:00:36,109 --> 00:00:38,886 personal finance course, and thank you. 4 4 00:00:38,886 --> 00:00:41,874 Please, ask me as many questions as you want to during 5 5 00:00:41,874 --> 00:00:44,708 and after you take this course because I am here 6 6 00:00:44,708 --> 00:00:48,588 24 hours a day, seven days a week forever to humbly help. 7 7 00:00:48,588 --> 00:00:51,260 So by the end of this course you will be armed 8 8 00:00:51,260 --> 00:00:55,383 with many tools that will help you accomplish three goals. 9 9 00:00:55,383 --> 00:00:57,438 Number one, save more money. 10 10 00:00:57,438 --> 00:00:59,093 Number two, protect more money. 11 11 00:00:59,093 --> 00:01:01,027 And number three, make more money. 12 12 00:01:01,027 --> 00:01:04,039 So this is actually three courses in one. 13 13 00:01:04,039 --> 00:01:06,819 And there's many exercises in this course, 14 14 00:01:06,819 --> 00:01:09,794 most of which are in the following spreadsheet 15 15 00:01:09,794 --> 00:01:11,863 that is attached to this lecture, 16 16 00:01:11,863 --> 00:01:14,614 which is called the complete personal finance dashboard. 17 17 00:01:14,614 --> 00:01:17,124 line:15% And it's in Excel format, of course. 18 18 00:01:17,124 --> 00:01:20,263 line:15% The purpose of every exercise in this course 19 19 00:01:20,263 --> 00:01:22,795 line:15% is to either help you save more money, 20 20 00:01:22,795 --> 00:01:26,256 line:15% protect your money, or make more money. 21 21 00:01:26,256 --> 00:01:29,142 line:15% And so this course contains no theory. 22 22 00:01:29,142 --> 00:01:30,970 It's actually based on my work experience, 23 23 00:01:30,970 --> 00:01:34,391 as I've managed over a billion dollars in my career. 24 24 00:01:34,391 --> 00:01:36,657 I've also worked for, met with, 25 25 00:01:36,657 --> 00:01:39,216 and partnered with many billionaires in my career. 26 26 00:01:39,216 --> 00:01:41,569 I'm certainly not one of them. 27 27 00:01:41,569 --> 00:01:43,762 And I will share their secrets, 28 28 00:01:43,762 --> 00:01:45,822 and their best practices with you in order 29 29 00:01:45,822 --> 00:01:50,030 to humbly help you save, protect, and make more money. 30 30 00:01:50,030 --> 00:01:51,701 Now, before I worked on Wall Street 31 31 00:01:51,701 --> 00:01:54,550 at Goldman Sachs, and at a top hedge fund, 32 32 00:01:54,550 --> 00:01:57,512 and in the venture capital industry, 33 33 00:01:57,512 --> 00:02:00,761 I used to be a programmer focused on making programs 34 34 00:02:00,761 --> 00:02:02,794 for the financial services sector 35 35 00:02:02,794 --> 00:02:05,453 when I worked in tech consulting at Accenture. 36 36 00:02:05,453 --> 00:02:08,804 And I mention this as I created your attached 37 37 00:02:08,804 --> 00:02:12,444 complete personal finance dashboard Excel spreadsheet 38 38 00:02:12,444 --> 00:02:16,202 based on my experience working in the technology sector. 39 39 00:02:16,202 --> 00:02:18,171 Now, I was actually also a beta tester 40 40 00:02:18,171 --> 00:02:20,732 for Microsoft on their financial products 41 41 00:02:20,732 --> 00:02:24,141 in the 1990s, I'm dating myself there. 42 42 00:02:24,141 --> 00:02:28,093 As such, in this course I will teach you based 43 43 00:02:28,093 --> 00:02:31,432 on my cumulative experiences, and make it very easy 44 44 00:02:31,432 --> 00:02:34,803 for you to save, protect, and make more money. 45 45 00:02:34,803 --> 00:02:36,862 You don't need to have any experience 46 46 00:02:36,862 --> 00:02:41,143 with Excel or in finance at all to complete this course. 47 47 00:02:41,143 --> 00:02:44,223 I also want to stress that I made the concepts 48 48 00:02:44,223 --> 00:02:48,261 in this course generic enough, and helpful enough, 49 49 00:02:48,261 --> 00:02:50,561 regardless of what country you live in. 50 50 00:02:50,561 --> 00:02:52,630 This is not a US only course, okay, 51 51 00:02:52,630 --> 00:02:56,989 this is meant to be used in every country in the world. 52 52 00:02:56,989 --> 00:03:00,751 And the advice is generic enough to be applied globally. 53 53 00:03:00,751 --> 00:03:02,912 Okay, so it's important for me to stress that, 54 54 00:03:02,912 --> 00:03:06,072 as I have students in 195 countries. 55 55 00:03:06,072 --> 00:03:10,400 Also, tax codes and finance laws change all the time, 56 56 00:03:10,400 --> 00:03:13,859 but the general concept of personal finance does not. 57 57 00:03:13,859 --> 00:03:16,411 And it's similar in every single country. 58 58 00:03:16,411 --> 00:03:18,523 As such, this course will help 59 59 00:03:18,523 --> 00:03:21,344 you understand everything you need to know 60 60 00:03:21,344 --> 00:03:24,733 about personal finance from a high level perspective, 61 61 00:03:24,733 --> 00:03:27,112 regardless of what country you live in. 62 62 00:03:27,112 --> 00:03:29,627 The concepts of saving, protecting, 63 63 00:03:29,627 --> 00:03:32,653 and growing money, and compound interest, 64 64 00:03:32,653 --> 00:03:35,744 and minimizing expenses are universal. 65 65 00:03:35,744 --> 00:03:38,669 And this will be a lot of fun in this course, so you'll see. 66 66 00:03:38,669 --> 00:03:41,174 So I've worked and filed taxes, 67 67 00:03:41,174 --> 00:03:42,875 and set up retirement accounts, 68 68 00:03:42,875 --> 00:03:46,436 et cetera, in several different countries. 69 69 00:03:46,436 --> 00:03:49,424 Now, there's well over 100 tips on how 70 70 00:03:49,424 --> 00:03:52,446 to save much more money in this course. 71 71 00:03:52,446 --> 00:03:54,305 And if you end up using just one, two, 72 72 00:03:54,305 --> 00:03:57,665 or three of these 100 save money tips, 73 73 00:03:57,665 --> 00:04:01,832 then this course has paid for itself over many, many times. 74 74 00:04:02,929 --> 00:04:05,929 Many companies, I have to stress, try to take as much money 75 75 00:04:05,929 --> 00:04:09,671 as they can from you through hidden fees and marketing. 76 76 00:04:09,671 --> 00:04:13,952 And you'll be amazed at how much of your hard-earned money 77 77 00:04:13,952 --> 00:04:15,926 that you are giving up without even knowing 78 78 00:04:15,926 --> 00:04:18,448 about it through all these hidden fees. 79 79 00:04:18,448 --> 00:04:22,271 I want to make sure that this does not happen to you. 80 80 00:04:22,271 --> 00:04:26,672 Also, everybody has a bias when it comes to money. 81 81 00:04:26,672 --> 00:04:30,972 Anybody on TV that you see talking about stocks has a bias 82 82 00:04:30,972 --> 00:04:33,810 because they want you to buy that stock. 83 83 00:04:33,810 --> 00:04:35,443 Or they're a CEO of a company, 84 84 00:04:35,443 --> 00:04:37,889 and they're supporting their stock. 85 85 00:04:37,889 --> 00:04:42,354 So in this course, we're gonna tune out the noise and focus 86 86 00:04:42,354 --> 00:04:46,629 on how to save money, and also how to protect money. 87 87 00:04:46,629 --> 00:04:48,617 And you'll be amazed at the power 88 88 00:04:48,617 --> 00:04:51,989 of compound interest, and the future value of money. 89 89 00:04:51,989 --> 00:04:54,858 And just how easy it is to protect your hard-earned money, 90 90 00:04:54,858 --> 00:04:57,970 and make it grow very, very quickly over time. 91 91 00:04:57,970 --> 00:05:02,575 And in the next lecture, we're gonna discuss how to use 92 92 00:05:02,575 --> 00:05:06,822 your attached personal finance Excel dashboard file, 93 93 00:05:06,822 --> 00:05:09,004 and how we can customize this to work 94 94 00:05:09,004 --> 00:05:13,046 in every single country in the world, if applicable. 95 95 00:05:13,046 --> 00:05:15,254 As a side note, towards the end 96 96 00:05:15,254 --> 00:05:19,283 line:15% of this course, in this section right here, 97 97 00:05:19,283 --> 00:05:22,397 line:15% I will teach you how to create and customize 98 98 00:05:22,397 --> 00:05:26,310 line:15% the Excel dashboard file included in this course. 99 99 00:05:26,310 --> 00:05:28,927 line:15% In case you wanted to further customize it, 100 100 00:05:28,927 --> 00:05:32,374 line:15% so it can help you save, protect, and make more money. 101 101 00:05:32,374 --> 00:05:34,802 line:15% And I promise you that by the end 102 102 00:05:34,802 --> 00:05:38,383 of this comprehensive course you'll be much more confident 103 103 00:05:38,383 --> 00:05:40,888 in your abilities to save, protect, and make money. 104 104 00:05:40,888 --> 00:05:43,116 So thanks a lot for your commitment 105 105 00:05:43,116 --> 00:05:45,446 to this journey that we will take together. 106 106 00:05:45,446 --> 00:05:48,228 And please know, again, that I am here 24 hours a day, 107 107 00:05:48,228 --> 00:05:52,106 seven days a week, during and after you complete the course 108 108 00:05:52,106 --> 00:05:55,809 to help you save, protect, and make your money work for you. 109 109 00:05:55,809 --> 00:05:56,892 Let's begin. 10034