How The Economic Machine Works by Ray Dalio
Economics 101 -- "How the Economic Machine Works."
Created by Ray Dalio this simple but not simplistic and easy to follow 30 minute, animated video answers the question, "How does the economy really work?" Based on Dalio's practical template for understanding the economy, which he developed over the course of his career, the video breaks down economic concepts like credit, deficits and interest rates, allowing viewers to learn the basic driving forces behind the economy, how economic policies work and why economic cycles occur.
To learn more about Economic Principles visit: www.economicprinciples.org.
[Also Available In Chinese] 经济这台机器是怎样运行的: • Video
[Also Available In Russian] Как действует экономическая машина. Автор: Рэй Далио (на русском языке): • Как действует экономич...
For more from Ray:
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I have an Economics Degree from NYU, this video pretty much summed up my entire bachelors degree.
Agreed 👍
Ikr!
And finally you realized what the economy was about.
Damn. 4 years in 30 minutes.
Then after 20 years working in economics having a PhD, you finally learn the austrian theory of economic cycles and see how many mistakes this video has, even if the conclusions are usually correct.
Can we all take a moment to appreciate the quality of the animation here!! Simply extraordinary
its amazing
animation is very simple, but brilliant
The audio and sfx are pretty sweet too!
Yeah, it's super amazing! I loved it!
Daddy Dalio must have had a skillshare coupon code for an Adobe Animate course.
This 30-minute video is worth more than my 4 years of studying economics combined
Fr
Didn't you learn calculus or programming or something useful?
Yes this 30 minutes great simple teaching and easier to understand, thanks.
wait really?? I'm starting my economics degree next year! Is it really that worthless?????
@henwoda some exaggeration was implied, of course, in my comment. I was just complementing the simple yet effective way of the explanation in the video.
I feel investors should be focusing on under-the-radar stocks, and considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises of plummeting stocks which were once revered and i don't know where to go here out of devastation
Safest approach i feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown
No doubt, having the right plan is invaluable, my portfolio is well-matched for every season of the market and recently hit 100% rise from early last year. I and my CFP are working on a 7 figure ballpark goal, tho this could take till Q3 2024.
Please can you leave the info of your lnvestment advsor here? I’m in dire need for one
’Monica Shawn Marti’. is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
I love the fact that this KZhead video doesn't have ads... no distraction, full consistent focus, maximum understanding. Way to go!
It doesn't have ads because its misinformation. The 1% wants you to believe this crap. They dont need shitty ads to pay them for spreading these propaganda videos. They're billionaires.
The Architect FX what’s misinformation?
@@axie4605 Take this from a guy who used to believe all this stuff. I studied economics I know the content in this video very well. It's only now starting to get debunked in the discipline. This whole video is misinformation. It's just presented in a more polished way than your typical conspiracy theory video but its just as fraught with unfactual information. Basically imagine if a conspiracy theorist channel on KZhead had a $billion budget, that's what this is. In the end it's suppose to get you to believe that giving money to banks, and corporations is the solution to all your problems. Look at what that has caused: mkorostoff.github.io/1-pixel-wealth/
Yeah so viewers can get the full effect of the indoctrination, without a break.
Allow me to give a plug; " Do you not know it is the Lord who gives the power to gain wealth " Dueteronomy 8:18
This is a video to be watched over and over again for optimal understanding.
Yea
They should play this at schools so kids know what's up as they get older
@@DESTRAKON lol you think they actually want kids to learn about actual actual real life?😂😂😂 Nah bro just give em the text book on Pythagoras theorum or sumn. FINANCIAL INTELLIGENCE WHO!?🤷🏼🤷🏻♂️🤷🏼♀️
@@timeless_heritage jokes aside, there's teachers that are fed up with it and doing something about it themselves, I had 2 teachers in highschool like that which I thought was pretty dope
@@DESTRAKON That is heartwarming progress. I respect those two teachers! Unfortunately though, any systemic problem, like financial non-literacy, stems from the top down. What I mean by that is, they're gain is the general masses loss, and they need that to maintain power. Educational systems designed for creating indebted and reliant workers, instead of self reliant (practitioners, specialists, proffesionals, and most effectively, business owners and investors) is something deliberately designed to remain the same way, in one way or another, by those at the top in power. Positive change is possible, I live for it, and like your example, from the grassroots level, has already started forming. But there are a lot of people stuck in the matrix, many if which who like to talk, but aren't willing to take the action necessary to unplug.
It's really wonderful to come across people who freely share valuable information online. You never know what kind of knowledge you might stumble upon that could have a lasting impact on your life.
Don't procrastinate when it comes to saving and investing. Don't wait for the perfect timing; start now because the current moment is the best time to invest.
What specific type of investment are you referring to? I'm aware that making money through investing is not as straightforward as it may appear.
Cryptocurrency trading appears to be quite lucrative. Despite the constantly changing nature of Bitcoin, it's evident that the cryptocurrency community is here to stay. John Joseph, you're doing an excellent job.
I apologize for interrupting, but I have been searching for assistance with this type of trading as my work consumes most of my time, leaving me with limited opportunities to focus on trading. How can I get to know him?
INSTAGRAM
Recessions are part of the economic cycle, all you can do is make sure you're prepared and plan accordingly. I graduated into a recession (2009). My 1st job after college was aerial acrobat on cruise ships. Today I'm a VP at a global company, own 3 rental properties, invest in stocks and biz, built my own business, and have my net worth increase by $500k in the last 4 years.
You need a Financial Advisor my friend so you don't get ripped off in the market. They provide personalized advice to individuals based on their risk appetite, placing them among the best of the best. There are bad ones, but some with good track records can be very good.
I agree with you totally, Yes they can be positively impactful to an individual's portfolio. I started with a trust Financial Adviser named “DELLA MORLEY PRATHER”. She is verifiable. Her approach is transparent, allowing full ownership and control of my portfolio with very reasonable fees relative to my portfolio earnings.
I know I've wanted to start investing for a few months, but just haven't had the courage to start because the market has been down for most of this year. Please how can I reckon with such skills and what are her services like?
Be my sugar daddy?
Absolute nobody needs a financial advisor. All you need is to invest in worldwide ETFs like a MSCI World. That's it. @@stevensmiddlemass2072
Who's watching in 2020? This is the best economics lesson I've ever gotten.
I'm here!
The feds just dropped the interest rate to near zero just like Ray mentioned at 18:22! We are entering the deleveraging phase of the US economy.
@@DavidGasparDC Absolutely!!! You're so right!!
Totally. I've had multiple Economics classes in college but this 30 minute video taught me 10x more than what I learned back in college.
@@mellenndomanais you guys realize that beautiful deleveraging is a beautiful lie. This guy is wrong about it working. It did not really work in the 1990, the 2000 .com crash, the 2008 crash, and it will not work now in 2020. The Central banks around the world have no real control of interest rates....
Less than 5 minues into this and I already feel so much more educated and I have finished a whole page of notes. Oddly enough this is actually fun. Why isn't school like this??
Because teacher don't get paid much to create interesting adobe after effect
It's very interesting, the thought process of others. When I was younger I thought education was a waste and I didn't need it but going through experiences and realizing education is better than being dead in the street & broke, I slowly started realizing that indeed every topic of knowledge there is to know is important to our driving force. Point is everything is fun if you look at it and focus on the bigger picture that it's feeding into.
I'm having trouble concentrating - fighting the urge to forward this to my daughter.
Ya
My teacher actually made us watch this video as our assignment
At 42, I've come to realize that money is a tool. I’ve worked so hard over the years to realize that if you don’t make money work for you, you can’t experience true freedom. I’m glad I found that out although it was later in life, but that marked the turning point in my finances.
I'm in my mid 30’s. Once I get paid, I begin to spend on irrelevant things. I work hard for my money, so I believe I can spend it on what I like. The older I get, the more my perspective shifts. I want to take my finances into consideration and put myself in order before it's too late. How are you doing it, Sir?
Herman Jonas is the brain behind my success. I've gotten into a plethora of assets with $43k spread across stocks (options and futures) for the short term and Roth IRA, index funds, and ETFs, for the long term. Now I sit back, and just reinvest at intervals while I handle my other businesses.
There is a risk of losing the principal investment if the market takes a downturn like the current situation of the market, especially if investments are not diversified.
@@OlineFarms I agree, and for that reason I prefer to have a financial consultant like Herman make my day-to-day investment decisions. Given that his entire skill set is based on going long and short at the same time as well as employing risk for the asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis he's got, it's nearly impossible to not out-perform. I've been using him as my financial consultant and the rate of accrual on my portfolio has been positive over the years.
Hello, how can I reach him, please? I need help with investing.
The most important thing that should be on everyone mind currently should be to invest in different sources of income that doesn't depend on the government. Especially with the current economic crisis around the word. This is still a good time to invest in various stocks, Gold, silver and digital currencies
The key to big returns is not big moving stocks. It's managing risk in relationship to reward. Having the correct size on and turning your edge as many times as necessary to reach your goal. That holds true from long term investing to day trading
Even with the right technique and assets some investors would still make more than others, as an investor, you should’ve known that by now, nothing beats experience and that’s final, personally I had to reach out to a market analyst for guidance which is how I was able to grow my account close to a million, withdraw my profit right before the correction and now I’m buying again
@@joesphcu8975 who is your financial coach, do you mind hooking me up?
@@lawerencemiller9720 The coach I use is actually quite known, Eileen Ruth Sparks, she has a wide presence on the web, so you can just search her.
She really seem to know her stuff. I found her online-page, read through her resume, educational background, qualifications and it was really impressive. She is a fiduciary who will act in my best interest. So, I booked a session with her.
I think one needs to be a genius in order to be able to explain such an incredibly complex thing in such a beautifully simple way.
Yeah, generally it's a good measure of someones grasp of an idea. For most people if they can explain something quite well, in a manner most people will easily understand, then they probably have an excellent grasp of said thing (or are very good story tellers). If someone can't explain something to you very well (unless it's say, quantum physics level abstract) then they either don't really know what they are talking about or have a communication issue. Concerning this video, at first I thought: 'Oh no... he's going to grossly oversimplify and miss stuff'. By the end of it I was thinking: "I hope I can explain economic ideas half this well one day...".
Ray Dalio is a genius
Just remember that the federal reserve wants you to think it's important. Remember that it was originally not allowed to exist because the founding fathers of America did not want central banks
@@JanjayTrollface I think this is a good rule of thumb for people learning a new topic (how well you can explain it = how well you understand it) but applies less well to experts who may understand something very deeply but be terrible at explaining it to a layman because they assume background knowledge or a level of fluency with the relevant concepts that the listener might not have. Professors often say that the most difficult thing for them to teach is their own research
@@jamescresswell6013 Yeah, that's what I sorta meant by 'quantum physics level abstract'. Unless they have the time to start from the beginning and explain a plethora of terms and the ideas or theory behind each, then it can be like speaking another language with some topics.
The moral of the story: Debt is for investment, not expenditure.
Moral of the story 2.0: People who borrow a lot and spends without Investing, are not financially mature, they're like babies... meaning they need to grow up an stop asking mammy & daddy (aka the Bank) for lines of credit & credit card increase to buy a new car instead of INVESTING that F$$%# money for profit. that's why they put the baby crying 8:24 in the video!
In your opinion, what is the cutest baby animal EVER? We love them all! 💙
How is an investment not an expenditure??
@@DHanzzP If an investment has a reasonable chance of generating a return on investment, it is not an expenditure as you are net gaining. An investment that will not generate a return is sunk capital.
@@EcclesiastesLiker-py5ts The act of spending funds is called--expenditure. Doesn't matter if it's funds expended on table dances at the strip club or swiss gold bullion. And no, it has nothing to do with ROI. And no, your description of sunk capital wrong too. Do you know what a dictionary is and how to used it?
If we are to survive in this economy, we need assistance right away. The ETF and stock markets are still quite volatile, just like the property market. My $370,000 portfolio is crumbling, what’s the best way to take advantage of the market?
Many people are still getting fantastic returns on their investments during this time. Simply maintain a strong sense of reality or ask for professional assistance.
I made more than $320K during this slump, demonstrating that there are more aspects of the market than the average individual is aware of. Having a Financial consultant is now the best line of action, especially for those who are close to retiring.
I need a guide so i can salvage my port-folio due to the massive dips and come up with better strategies. How can one reach this advisor?
Having a good FA is essential for portf0lio diversification. My advis0r is *Sharon Louise Count* who is easily searchable and has extensive knowledge of the financial markets.
Found her online page by searching her full name, I wrote her an email and scheduled a call, hopefully she responds
All these bank crisis and recession are all the signs of 2008 market crash 2.0, so my question is do I still save in the US dollar or is it okay to move all emergency and savings to precious metals?
Keeping some gold is usually a wise decision. You would be better off keeping away from equities for a bit or, even better, seeking advice from an expert given the current market conditions and everything that is at risk with the current economy.
@@margaritasbunny True, the idea of a portfoIio-coach used to sound generic, but a new study by investopedia actually found that demand for portfolio-coaches sky-rocketed by over 41.8% since the pandemic and based on firsthand encounters, I can say for certain their skillsets are topnotch, I've raised over $700k from an initially stagnant reserve of $150K all within 14months
@@ladymariangray that's impressive!, I could really use the expertise of this advisors , my portfolio has been down bad....who’s the person guiding you.
@@emilybrown2719 credits to Elizabeth Pan Holt, one of the best portfoIio manager's out there. she's well known, you should look her up
@@ladymariangray Thank you for this tip. it was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé.
KZhead is the world's Biggest University.
Agreed, but while this video gave some valuable insights, it's wrong to imply that there is such a thing as a beautiful deleveraging. Millions of people suffer when they take on debt. I've had a habit of only spending half of what I make, and investing the rest. I'm getting through this financial crisis just fine as a result. Other people aren't. Central banks exploit the weakness of undisciplined people. Their desire for immediate gratification. Everything you buy with borrowed money costs more because of the interest payments, so your hard work ends up buying less over the long run as a result. A lot of your hard work ends up benefiting the lenders, not you. Taxes would be far less if governments operated the same way I do, only spending half of what they make until there is enough saved to easily get through the times like this. Lower taxes would result in everyone having more money to spend. The only time money should be borrowed is when someone has a sure-fire business plan. An idea for an enterprise that is sure to make a sustainable profit. Consumers should NEVER borrow. People should just live with their parents until they save up enough to buy a car, and then a home with cash. If you live a life of austerity early in life, you end up FAR WEALTHIER in life. That's true for individuals AND governments. The central banks are siphoning wealth from people on a MASSIVE scale. Dalio should be telling people to DETHRONE this system, but he won't because he profits from it. Watch this video for better insight. >>> kzhead.info/sun/nKp9lZmjjIevh2g/bejne.html&feature=emb_title
You need to be really careful to pick the right content, though. e.g. Alex Jones
No, that costs money;) Library?
@@RamonBalthazar Are you saying Alex Jones is an example of the right content or the wrong content?
@@someguy7376 I’m saying that Alex Jones is an example of something bad
This is probably the most educational video I have ever watched about economics.
economics*
This, in my opinion, just helps point out how important it is for us to have an edge when investing because going with a trend is not an effective strategy. I've been hesitant to invest in this present market, but I also believe it's the perfect moment to get started; what are your thoughts?
Since the crash, I've been in the red. I’m playing the long term game, so I'm not too worried but Jim Cramer mentioned there are still a lot of great opportunities, though stocks has been down a lot. I also heard news of a guy that made $250k from about $110k since the crash and I would really look to know how to go about this.
I agree, my profit has been consistent no matter the market situation, I got into the market early 2019 and the constant downtrends and losses discouraged me so I sold off, got back in Dec 2020 this time with guidance from an investment adviser that was recommended by a popular economist on a subreddit, long story short, its been 2years now and I’ve gained over $850k following guidance from my investment adviser.
@@ThomasHeintz I’ve been down a ton, I’m only holding on so I can recoup, I really need help, who is this investment-adviser that guides you?
My advisor is ‘’Elise Marie Terry’’ she’s highly qualified and experienced in the financial market. She has extensive knowledge of portfolio diversity and is considered an expert in the field. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market
@@ThomasHeintz She appears to be well-educated and well-read. I ran a Google search on her name and came across her website; thank you for sharing.
“A banker is a fellow who lends you his umbrella when the sun is shining, but wants it back the minute it begins to rain.” ― Mark Twain
With the borrowed umbrella you can go to work when it rains, then get paid for your work and buy your own umbrella
then don't borrow umbrella when you don't have cash.
@@williampan29 just bc u said ?
😂😂 reading this Mark Twain comment posted just made my morning!
@@Igordrifit clearly u don't understand the quote
It's incredible how much real education we can get for free. Unbelievable! Thank you Ray
You're paying for your internet connection right? You paid for the device you're consuming it on. You're paying for the electricity powering the device. Nothing's free man.
@@deathrowlemon7367 the content is free. If you try to get this information from a class in college, you have to pay for expensive tuition. Plus you still need to for your books and pencils.
La naturaleza de los ciclos va más allá de las variaciones sazonales, y lo que está en juego aquí es la visión yanqui, fundamentalmente distorsionada de cómo funciona el crecimiento, el pico y la muerte de un sistema en el planeta en el que vivimos. La visión yanqui de los sistemas económicos y sociales que crecen y sólo se detienen con una acción "catastrófica" es el error fundamental que cometen. Así, desde el punto de vista yanqui, las civilizaciones caen a causa de un desastre que las afectó, como un tsunami, una erupción volcánica, una invasión bárbara, un terremoto o incluso por variación climática. Creen ellos en un funcionamiento ad perpetum expansivo y constante de cualquier sistema, y que solo una catástrofe o agotamiento de recursos puede interrumpirlo. Nada podría estar más equivocado. En oposición a esta visión catastrófica, está el enfoque del agotamiento de las interacciones que produce cualquier sistema, que, "naturalmente", se agotan en medio de sus procesos naturales de crecimiento, auge y muerte como lo es para el ser humano. Los sistemas socioeconómicos, civilizadores o incluso geológicos no se acaban por falta de recursos sino por el agotamiento de sus procesos de crecimiento y muerte. Esto significa que cuanto más rápido crecen, más rápido se agotan a pesar de la abundancia de recursos. Esto es exactamente lo opuesto a la visión yanqui que considera virtuoso el rápido crecimiento. De esta manera, desde el final de la Guerra Civil estadounidense, pasando por la primera y la segunda guerra mundial, luego con el aumento de los precios del petróleo, y más aún, el crecimiento absurdamente exagerado de la China comunista; el sistema económico propuesto por los yanquis llegó a ser visto como virtuoso y de inmensos méritos, ocultando, sin embargo, una naturaleza fundamentalmente viciada y fallida que nos condujo a esta actual crisis de agotamiento de los procesos económicos. Nada puede crecer indefinidamente o ser detenido solo por una “catástrofe”, sino por el crecimiento, que, yendo más allá de la cuenta, acelera su fin no por el colapso sino por el agotamiento natural. Como un deportista que muere de "muerte súbita". Lo que los Yankees ven como virtuoso está fundamentalmente sesgado, y producen una escalada de apuestas increíblemente altas hasta llegar a esos alucinantes cuatro quatrilliones de dólares en los mercados de valores y derivados de Wall Street. Aquí se puede apreciar claramente que estos valores no pueden representar acumulación de riqueza, sino más bien un signo preocupante de agotamiento de los procesos económicos que la derivaron. Además de eso, un inmenso proceso de industrialización forzada de la China comunista que agota todos los recursos industriales del planeta que empobrece a todos menos a la China comunista. En 2008, la escalada de los precios del petróleo alcanzó unos formidables 138 dólares desde los 5 dólares el barril en 1971. Recordando que los dinosaurios no se extinguieron por ninguna colisión meteórica sino por agotamiento natural. Por lo tanto, Estados Unidos corre un grave riesgo de ver agotados sus procesos económicos mucho antes de tener que utilizar sus arsenales militares o ver agotados sus recursos naturales u observar cualquier cambio climático. Los procesos antrópicos de intercambio de energías termodinámicas en esta etapa de la evolución de la Tierra, no han permitido hace mucho tiempo cambios bruscos en nada, sino un lento agotamiento de los procesos de crecimiento, pico y muerte de cualquier sistema.
Pppppp
@@Shotaro73 and not forgetting the time and energy that I will need to pay to actually get my ass to class early in the morning...
According to Bipan Rai, North America director of FX strategy at CIBC Capital Markets, "there is growing concern that incoming data is showing that the Fed may be slightly behind the curve than perhaps they expected heading into this year." More red than green is seen in my portfolio. How are other people in this making huge sums of more than $350K in this dowturn?
Sincerely, unless you're shrewd yourself, it would be wise to seek advice straight away. We are in a severe recession, and everyone is running out of money, I can tell you as a business owner in both the service sector and as an eBay reseller of all product categories.
@@trazzpalmer3199 I agree, that's the more reason I prefer my day to day invt decisions being guided by a init-coach, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using a init-coach for over 2years+ and I've netted huge.
@@hannahdonald9071 we’re only just an information away from amassing wealth, I know a lot of folks that made fortunes from the Dotcom crash as well as the 08’ crash and I’ve been looking into similar opportunities in this present market, could this coach that guides you help?
My Financial Advisor is MARIA JULIANA RAMIREZ. I found her on a CNBC interview where she was featured and reached out to her afterwards. She has since provide entry and exit points on the securities I focus on. You can run a quick online research with her name if you care for supervision. I basically follow her market moves and haven’t regretted doing so.
I'm literally holding onto straws right now, so your tip couldn't have come at a better moment! I plan to call her after doing a quick internet search for her.
More immediately than a collapse in the stock or real estate markets, inflation directly impacts people's standard of life. It is hardly surprising that the present market attitude is so negative. If we are to live in this economy, we are in dire need of assistance. ETF and stock markets are still unpredictably volatile, just like the housing market. My $370,000 portfolio has been reduced to rubble.
A lot of people are still making huge returns on investment this period. You just have to be very grounded or solicit the help of a professional.
we’re only just an information away from amassing wealth, I know a lot of folks that made fortunes from the Dotcom crash as well as the 08’ crash and I’ve been looking into similar opportunities in this present market, could this consultant that guides you help?
Lisa has the appearance of being a great authority in her profession. I looked her up online and found her website, which I reviewed and went through to learn more about her credentials, academic background, and employment. She has a fiduciary duty to protect my best interests. I set up a call with her so I could use her services.
Passive income communism cult A bank promising everyone can be Paul collecting interest rates in a rob Peter to pay Paul is a scheme. Pay attention to the "rob" part. Where in reality, there has to be Peters out there paying those intrest rates. A bank promising everyone can collect interest rates will need a bailout. The third-party bank promising everyone can get in passive income communism mailbox money. But in reality, it's a cult exploiting it's members financially. The white-collar criminals don't want to talk about the Peters stuck paying those intrest rates. It's true a third-party bank needs to cover its operating costs. But all the bank's members cannot collect interest rates. Some have to pay those intrest rates. The 70,000 employees at Disney World need a third-party bank to making it possible for a car loan and a mortgage. Those 70,000 employees need to see a financial advisor to receive a car loan and a mortgage. #FBI #KZhead
The global economic situation we’re in now, makes this video give me chills
It should give you confidence!
@Ranjit Tyagi Hi, 2 days later it is massacre
@Ranjit Tyagi Blood on the floor is the time to buy.
2-3 years of a depression coming. If you got out of the stock market at the right time, congrats. I lost about 7%, but if I kept it in I would have lost about 40% and it would take 5-10 years to return to baseline. That 5-10 years can be bought at the lower point in recovery and make more money in the long haul.
Why do still most of you swallow that economies breathe of their own!? This BS you are served is BS! The simple solution to this raping of humanity is to get rid of the FILTHY CRIMINAL JOO PRIVATE BANKS(Federal Reserve Bank) and instate legit PUBLIC BANKS!!! In the U.S only North Dakota has a legit PUBLIC BANK - only state which can claim the great ( ORCHESTRATED) 1929 depression, they never felt! See their charter on their web site.
This taught me more about economics in 30 minutes than all my years at school.
Thats because the US government passed a law back long ago that the economy MUST NOT be taught in common grammar schools this is so people borrow too much and dont understand how to make money ...keep the poor poor as they say
True, True.
I swear I was just thinking this same thing
you should've probably been paying attention than
@@offlogic3790 Well I guess that makes 2 of us as you can't even string a sentence together without spelling mistakes 😂
A recession as bad it can be, provides good buying opportunities in the markets if you’re careful and it can also create volatility giving great short time buy and sell opportunities too. This is not financial advise but get buying, cash isn’t king at all in this time!
You’re right! The current market might give opportunities to maximize profit, but in order to execute such effective transactions, you must be a skilled practitioner.
@@alexyoung3126 On the contrary, even if you’re not skilled, it is still possible to hire one. I am a project manager and my personal portfolio of approximately $750k took a big hit in April due to the crash. I quickly got in touch with a financial-planner that devised a defensive strategy to protect and profit from my portfolio this red season. I’ve made over $150k since then.
@@checkforme234 I need guidance so i can salvage my portfolio due to the massive dips and come up with better strategies. How can I reach this advisor?
@@lawerencemiller9720 Having a coach is key in a volatile market, My advisor is “EILEEN RUTH SPARKS” You can easily look her up, she has years of financial market experience...
@@checkforme234 I did check her out, I see why you said she's probably booked up, her creds/resumé is topnotch. I booked a consultation with her regardless.
I am 14 years old, English is not my first language, I am learning business in the IB curriculum. It took me 3 watches to understand the video but I'm thankful it's all starting to make sense now. Thanks to the animator and Ray Dalio for explaining complex concepts for us!
It's truly beautiful that you as a 14 year old non-native speaker can access such quality educational material. Really shows how far the world has come :) By the way, do not at all worry if this took you a few tries to understand. The vast majority of grown adults I've met do not understand how the economy works to this degree. So you are well ahead of the curve :)
@@theWebWizrd hey, thanks! That's really nice of ya
Amazing that your 14 watching this. Keep it up and learn as much as possible now so later you can begin your investments RESPONSIBLY and hopefully be very successful!!!
I am 15 and im trying too
@@JackKevOfAllTrades thank you!!! I will
let's give a time to appreciate the animator also :)
I feel like this person worked for the game Fallout or maybe just played the game a lot as a kid.
Yup, the artstyle is a lot similar to it.
Yes some of those animations were just delicious
Yes
@@googiegress7459 They were sexy too
"Most of what people thought was money, was actually credit"... This applies to much more than just the economy.
That's our society in a nutshell right there
Gold is Money. Everything else is Credit - J P Morgan
@@ericnipas49 et 🙏
@@edwinl423 a
That's right. Everything isn't money it is "tradable bank liabilities" Financial system is a house of cards each card a promise to repay. Pull too many cards out and the thing collapses
For 2023, it’s hard to nail down specific predictions for the housing market is because it’s not yet clear how quickly or how much the Federal Reserve can bring down inflation and borrowing costs without tanking buyer demand for everything from homes to cars.
I suggest you offset your real estate and get into stocks, A recession as bad it can be, provides good buying opportunities in the markets if you’re careful and it can also create volatility giving great short time buy and sell opportunities too. This is not financial advise but get buying, cash isn’t king at all in this time!
Given current recession pressures, it is unlikely that the stock will yield substantial returns in the near term. However, it may be a suitable investment opportunity. I will monitor market conditions and consider purchasing when there is an improvement in the relevant economic indicators, any idea which stocks this may be?
@Zahair O'Brian Thats quite Impressive! can you share more info?
@Zahair O'Brian thank you so much for this tip! Finding your coach was a breeze and I was really impressed with all the research I did on her credentials before scheduling a call. It's clear from her résumé that she's extremely knowledgeable and skilled, and I'm so excited to have the chance to talk to her!
It's almost like the government shouldn't be involved in the housing market...
Don't get me wrong, I know the economy is in shambles and in order to break even and make profit, we have to ride it out until stock recovery, but how are some folks in the same stock market as me still able to pull off substantial profits of as much as 650K within months, what am I doing wrong?
You're not doing anything wrong, you just don't have the required skillset to profit off a down market, folks that are making profit in this market are pros and experts with in-depth knowledge and skillset
@@glenbert1396 There are a lot of strategies to make tongue-wetting profit especially in this down market, but such sophisticated trades can only be carried out by proper market experts
Exactly why i enjoy my day to day market decisions being guided by a portfolio-coach, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not outperform, been using a portfolio-coach for over 2years+ and I've netted over $800k
@@gagnepaingilly Mind if I ask you to recommend this particular coach you using their service?
@@smithmurphy JILL MARIE CARROLL is the coach that guides me, you probably might've come across her before, she's quite known in her field, look-her up.
Introduction 0:00 Credit 3:28 Cycles 6:20 Short-term Debt Cycle 11:58 Long-term Debt Cycle 14:34 Deleveraging 16:51 A Beautiful Deleveraging 26:18 In Closing 29:37
Divorce decides that in any modern world maybe
Thanks.
this video is epic
Thanks for the timestamps. Will be very useful!
Thanks
With markets tumbling, inflation soaring, the Fed imposing large interest-rate hike, while treasury yields are rising rapidly-which means more red ink for portfolios this quarter. How can I profit from the current volatile market, I'm still at a crossroads deciding if to liquidate my $125k bond/stock portfolio
Focus on two key objectives. First, stay protected by learning when to sell stocks to cut losses and capture profits. Second, prepare to profit when the market turns around.I recommend you seek the guidance a broker or financial advisor.
@@bobbymainz1160 Please can you leave the info of your investment advisor here? I’m in dire need for one.
@@joesphcu8975 My advisor is "Eileen Ruth Sparks " You can easily look her up, she has years of financial market experience.>
@@bobbymainz1160 That's fine, I curiously looked up the name and came across her webpage, her credentials/testimonials seem solid with positive reviews, I just left her a note. Thanks a lot
This channel is really trying to teach our mind to see value that cannot be altered by anything, even the wisest economists. It's all mental conditioning once you start to see the physical objects as interfaces for the real value stored in your crystal brain.
The financial markets are full of opportunities, but I’ve learned a lot over the past few years. The key is knowing where to focus and also having a good mentor. like mrs ann fiocca and robert to lead us down the right part.
Wow. I'm a bit perplexed seeing her been mentioned here also Didn't know she has been good to so many people too this is wonderful, i'm in my fifth trade with her and it has been super.
I'm new at this, please how can I reach her?
I was skeptical at first till I decided to try. Its huge returns is awesome. I can't say much
she's mostly on Telegrams, using the user name
Managing money is different from accumulating wealth, and the lack of investment education in schools may explain why people struggle to maintain their financial gains. The examples you provided are relevant, and I personally benefited from the market crisis, as I embrace challenging times while others tend to avoid them. Well, at least my advisor does too, jokingly.
Investors should exercise caution with their exposure and exercise caution when considering new investments, particularly during periods of inflation. It is advisable to seek guidance from a professional or trusted advisor in order to navigate this recession and achieve potential high yields.
This is superb! Information, as a noob it gets quite difficult to handle all of this and staying informed is a major cause, how do you go about this are you a pro investor?
Through closely monitoring the performance of my portfolio, I have witnessed a remarkable growth of $483k in just the past two quarters. This experience has shed light on why experienced traders are able to generate substantial returns even in lesser-known markets. It is safe to say that this bold decision has been one of the most impactful choices I have made recently.
Wow, that’s stirring! Do you mind connecting me to your advisor please. I desperately need one to diversified my portfolio.
I’ve actually been looking into advisors lately, the news I’ve been seeing in the market hasn’t been so encouraging. who’s the person guiding you?
I recommend everyone to watch this at least 5 times
Why would you watch this so many times?
Better take notes and just read them...
Once is enough. Watch other videos that are more technical on the same topic to get deeper understanding of Credit - Debt and Central banks - Commercial banks. :)
@Christian Ketterl and gather knowledge then get back to this video.
10:02 - "Rembemer, in the economy without credit, the only way to increase your spending is to produce more." - Seems fair enough to me, there is no such thing as free lunch, you want something, go and produce it. Money should be backed by real productivity, earned by real productivity - this is good money. When the money is created out of thin air, the creator of money is cheating everyone's productivity by inflation. Do not get me wrong, it is okay for credit to exist, to borrow money. But money should be lent by someone who earned it by being productive, not by creating it out of thin air. So in the end lender is shifting his purchasing power (or his result of being productive) onto the borrower, but in the entire economy the purchasing power stays the same, because no money was created and the credit was created out of existing money, not from money created out of thin air. This is what you need remember: good money = earned by productivity or borrowing it from someone who earned it by being productive; bad money = created out of thin air not backed by real productivity and putting a burden of inflation on everybody (without their consent) who is already productive; good debt = backed by good money; bad debt = backed by bad money; So in the end, in this fraudulent system of privately owned bank called with public name of Federal Reserve Banking creating money out of thin air, it is not about being productive, it is about knowing, which assets will be inflated (increasing in price) after their money creation process. Yeah, and we are here not even talking about fractional reserve banking by commercial banks, which is creating even more money out of thin air. That is why you have always this unnecessary cycles of recessions - bad money. This is what Ray Dalio forgot to tell you all. You are welcome.
This video should be mandatory in every school!
I agree
If everybody has the same knowledge and proceeds to do the same things making the same financial decisions than how's it going to work out?
@@deathrowlemon7367 One is the winner and one is the loser,yes if everyone is making the same financial decisions then the powerful change the rules .
School is brainwashing
@@berth2505 You wouldn't be able to write this comment or form that thought even without having had schooling.
Every family have that one person whom will break their financial burden, hope you are the person. Spend less, invest more💰💰 May Allah protect us all
Noted! And what are the actions needed to be successful?
I've heard alot about crypto currency investments and how effective it can grow your income! Any recommendations on a guide?
@@markaustin5229 I'm glad you asked,I can recommend an Expert named Warren T Sonia Financial analyst at New York Stock Exchange
Facebook 👇
WARREN T SONIA
The Treasury have to sell Bonds to cover the trade imbalance and the government spending imbalance. In order to sell them they have to raise interest rates and the old long-term, low risk, low interest, AAA investments (including Treasury Bonds), held by the banks (often due to government regulatory policy), become next to worthless. The next milestone is the 15th when the government issue a new batch of Bonds. I have approximately 350k stagnant in my portfolio that needs growth. What is the best way to take advantage of this downturn?
This seems like the worst period.Even the markets are very unpredictable.started investing recently when the market prices were a bit high,today i am more than 60% down
The current situation is incredibly dire for people in the United States and other countries. The global economy is facing a significant downturn, with increasing inflation rates and unemployment figures.
Having an investment advisor is the best way to go. Based on a direct encounter with a CFP named Kate Elizabeth Amdall, I can say with certainty that their skills are excellent. She helped raise over $580,000 in 18 months from an initially stagnant portfolio of $150,000
Fantastic! can u share more details?
Cant reveal much info, she is the shrewd advisor responsible for my portfolio success, it's only right you look her up and confirm yourself.
“Too many people spend money they haven't earned, to buy things they don't want, to impress people that they don't like.” ― Will Rogers
It’s WILL SMITH
@@malavpatel4705 Brad Pitt
I know a friend who does this. KEKW
Yeah but it's not just on the consumers yk, that's a thing to keep in mind
IKEA
I've a degree in economics from UC, and still have the books from school on my shelf. I thought I would add my two cents. This is so well done, it's stunning. It's a terrific introduction to the basic concepts of the market economy and presented in a very digestible, easy to listen-to form. Because it's easy to listen to and understand, the material is assimilated by the brain very well. So, even though there is no higher level math here, it's enough to get someone started in the field-- and a higher level course is useless if the viewer cannot understand the material, no matter how high quality the material may be. This video does so much with so little time. At least, it casts light on something that many would find hopelessly obscure. Mr. Dalio hit this one out of the park.
so where are we now?? a bubble??
@@jorgepalacio2388 most developed countries are At or Near 0% int. rates... so yep! Tail end of the long term debt cycle- heading for a global Deleverage - depression
Javier Luna Given how severe the last recession was, the next contraction will probably be milder.
@@estebanperalta8880 depends what country you're referring too. Some countries continued to grow/accumulate even more debt during 2007/8 I'm from Australia; it's definitely coming here hard. Other countries that will get hit this time around include- Canada, Sweden, New Zealand, South Korea, Belgium, and Maybe- China (this one is a tricky one- they might be able to push it's date back)
@@unprotectedhex1716 makes no diffence which country. The last growth phase since 2008 was about 2% average except china but those figures cant be trusted. Usually after a recession the growth is 7-8%. for the last 10 years it equates to 3 years of a normal upturn.Yet house prices and stock market doubled. So why did we get stock market and housing bubble without growth? Lowest interest rates in history, making cheap money for real estate loans and company stock buy backs. So corporations got more debt but no real productivity growth just less creditors in the form of stocks but move this liability to the lenders. The fiat currency is created by central banks from nothing and then charge the government interest on it. Central banks are privately owned yet control the currency for countries???? very smart oligarchs
A crash and bullish market provides equal high-yield potential, it's all about information and strategy application, I've seen folks make huge 7figure profit in a crashing market and pull it off much easily in a bull market , Unequivocally the crash is getting somebody somewhere rich..
Your videos has been great !! I am part of your viewers and i’ve been watching your videos lately. I’m interested in investing but I still can’t figure out the right investment to engage in . I’ll appreciate any help out here.
Yes, it's true, there's been a lot of talk about investing lately, but I'm new and also curious how I can get started. Can anyone explain how to invest and how to get started ?
In my opinion, investing isn't about getting rich, it's about gaining financial independence. You need a financial advisor to help you become a professional investor. I became successful by following the directions of my US based financial advisor (Raymond W Rudorfer). So far I have no regrets.
@@Alfred_brwnAmazing, such an amazing information you got. Can you share more details on how to get in touch with your Financial Adviser? Like I said , I’m very interested and will start if I can get help out here.
He is on instagram
@Raymondrudorfer
Wonderful summary. Finance should be mandatory with reading, writing, math and science.
And a whole lot less English class!! Anybody ever had someone come up and ask......can you tell me where the noun is in this sentence? Me neither.
@@terryseiber970 you wouldn't understand this video if English wasn't emphasized on and guess what you'd be left out on this knowledge .Never undermine the power of language
@@exampaperplanes ok, so tell me.... How many people have asked you in your normal every day life, where is the noun, verb, pronoun, adjective or prepositional phrase at in a sentence? Many people have asked me how to spell a word or just stand around with a stupid look on their face when posed with a simple math question if no calculator is present. Spelling, math and reading very important. I learned to speak three languages in my life, while not having a damn clue where nouns, adjectives and such are in a sentence. Writing is learned in my opinion, from being able to READ. Your reply to my previous message is proof that I have mastered the art of writing, simply because you understood what I said. Language is simply communicating. Spelling on the other hand is imperative, if one cannot spell at least somewhat correctly then nobody on the planet will know what the hell you just wrote. Unless you want to be an English teacher or maybe an author sentence structure is just a waste of time, hell even if you are an author, someone else is going to edit your book eh? Many books I've read that have gone through this publishing process still have spelling mistakes and that always makes me smile. You remind me of my 12th grade English teacher. She would always get on me when I said "ain't", ain't isn't a word she said, of course it is I replied, if I say it and you in turn understand what I said, it absolutely is a word. So in closing, English was invented by people that thought they were more sophisticated and intelligent than those more "simple" folk around them. A self imposed feel good to say.... I'm better than you scenario. I SAY BULLSHIT TO THIS HORSE SHIT.
I'm quite sure economics is required at pretty much every public school in the US. The problem is not what is required, but rather that you can skate by without paying attention and cramming for tests; immediately dumping the information from your brain the moment the test is over I know plenty of people who didn't even do that, they simply were allowed to graduate because of the "no child left behind" bullshit.
If it was banks would t make money in fees
Literally amazed at myself that I was able to understand such complex topics so easily. Released in 2013 but watched in 2021. I wish we have more teachers like him in the education system.
Cuz it was made for idiots...
@@noxiansummoner1730 like you
Lol bro they literally made it so regular people can understand
⁰
Yeah they made it easy to understand. Stop selfthumping
youtube really needs to do something about these advanced comment bots shilling portfolio managers
I appreciate your approach to teaching.. To my understanding this just proves how much we need an edge as investors because playing the market like everyone else just isn’t good enough, we just need to hold onto our hopes and wait to see how things turn out because market movements are almost always unpredictable. In my portfolio, I'm noticing more red than green and my retirement is edging closer by the day.
As with an my big financial decision ,it’s important to keep your guard’s up for economic risks. However,smart planning,time management and seeking advise from a financial adviser can help keep you and your money safe and also help plan your retirement.
@@Alejandracamacho357 I'm in my late 50s and I'm more interested in investments that could set me up for retirement in my 60s, my goal is atleast $2million, i want to buy a big enough for i and my grandkids, I also have a dog
@@Alejandracamacho357 Right now the markets are going berserk right now. This is the best time to watch them, get to know them better, and strike when the opportunity presents itself. I learned that from my mentor, ’Susan Agnes Hancock’ she's seen dozens of market cycles over the past few decades, and she has a feel for how they move, why they move, and what comes next.
@@LuisVargas-ih5vm Fantastic! can u share more details?
@@billybrannon6394 She’s a hlghIy-sought out advlser, so I’m not certain she’s acceptlng new intakes, but you can give it a shot. It wouldn’t be proper to just Ieave her number Iying around, but she has a webpage you can look at if you googIe her name.
自分用 1:17 Transactions 3:27 Credit 6:19 Cycles 11:58 Short Term Debt Cycle 14:35 Long Term Debt Cycle 16:51 Deleveraging 21:03 Depression 26:18 A Beautiful Deleveraging 29:37 In Closing
Thank you
Homie a god
I made my own money though Bitcoin trading
Expert Anastasia is my broker and she has been my saviour so far, she made me profits of over $15,000 every week with just little of $3,000 I normally invest
She made success easier for me and my family especially in this pandemic
This is the most stimulating piece of education I have ever seen recently
No adoubt
The way I see it this recession most likely has an external cause. The United States is losing influence as a federal currency for the first time in decades. They don't have any more economies to utilize to control their inflation, and less money is being spent on stock and oil trading than previously. They all lend credence to the hypothesis that a new multilateral world order may be in the works.
The professionals are crushing it right now because they have both the necessary approach to pull off a profit in this market plus access to insider market knowledge that isn't made public.
It’s vital you make sure to Keep this in your back of mind guys. There are both happy and unhappy days. It's a zero-sum game, but always remember this advice: Spend carefully, invest intelligently, and diversify your holdings so that when one performs poorly, the others will. You can do this by hiring a knowledgeable specialist whose platform offers a variety of investment options. You leave little space for regrets by doing this, and you might even gain more.
overlay that hypothesis with Zeihan's data around collapsing demographics in Russia & China, and the plot gets more interesting...
In light of the ongoing global economic crisis, it is crucial for everyone to prioritize investing in diverse sources of income that are not reliant on the government. This includes exploring opportunities in stocks, gold, silver, and digital currencies. Despite the challenging economic situation, it remains a favorable time to consider these investments.
The pathway to substantial returns doesn't solely rely on stocks with significant movements. Instead, it revolves around effectively managing risk relative to reward. By appropriately sizing your positions and capitalizing on your advantage repeatedly, you can progressively work towards achieving your financial goals. This principle applies across various investment approaches, whether it be long-term investing or day trading.
@@Patriciacraig599
@@roykings Please can you leave the info of your investment advisor here? I’m in dire need for one
@@thomasgreen8224 I am being advised by CHRISTNE MARIE ROCKE , an experienced financial professional. If you're interested, you can easily find more information about her as she has accumulated years of expertise in the financial market.
@@roykings Thank you for the guidance. It was straightforward to locate your contact. She appears highly skilled and adaptable. I have scheduled a call session with her.
I swear I’ve learnt more during this quarantine than all the years I was in school 🙌🏽 I’m a new woman lol
I was just on a quarantine walk outside thinking the same thing
Congratulations lady!
FATHER NATURE it did but I’ll probably have to watch a couple more times to really retain the info long term 🙏🏽
javier landry 😌😘
Likewise
Man, I can't grasp it all in one time, I need to watch this video again.
3rd time here
I'm on my sixth time. Just when I think I've got it, I go back and watch again.
look up some of the stuff on Investopedia in between
We should make a religion out of this and coerce people into the finance church each week.
@@abasis.baruti9819 You're doing better than most. You don't fool yourself and just admit it takes you longer to understand.
The trick is to get your money to do the working, I've read success stories of people that grew a profit of over $3million within 2years and that motivated me to get started as an investor, so I'd appreciate more tips and clues on how to make huge profit
discipline, consistency and lack of instant gratification, that's how you get there.
You can reach out to an investment consultant, they're good at helping people invest
I agree, just get in touch with a financial consultant or professional to guide you and set you up with really profitable portfolios, I personally got in touch with a consultant and through her assistance, I’ve exponentially grown my portfolio to $380,000 within 4months, far from a million which is my goal but I’m definitely getting there.
@@PaxtonthePerfect I have a good mentor assisting me so I can totally relate
@@PaxtonthePerfect Please who is your financial consultant, how do i get access to him?
I HAVE INCURRED SO MUCH LOSSES TO TRADE ON MY OWN,I TRADE WELL ON DEMO BUT I THINK THE REAL MARKET IS MANIPULATED.
You are absolutely right I keep loosing in real trade but win in Demo. Should I give up on Trade? What should I do? How may I do better? What I'm I doing incorrectly?
here is my problem I have been making losses trying to make trade. I thought to trade demo is just like the real..can anyone help me out or at least tell me on what to do.
I always advice new members to have an orientation on how it works before getting involved. Trade offers more benefits than just holding.
Kate Floretta in stagram
Kate Floretta Face book
What a wonderful era where you can learn from the top people on their field anywhere in the world
This video sums up what took me about 4 years of gradual self learning to know in only 30 minutes!
so you can sleep well at night knowing the fed will save the day? good for you fool!
+Dan Dan Of course not. I'm not an idiot. you have to understand the mechanism first to know why it's not working!
uv10100 一
uv10100 😂😂 3 years in my case
I would not be too excited about what you may have learned, the information that was left out is where the real knowledge to be gained is. Is it natural for a sovereign nation with a fiat, non-convertible, currency to have private institutions control 95% of money (credit) creation (out of thin air) and be the primary beneficiary from its seignorage? Is it natural to lend to people with a high debt burden on mass? Is it natural for risk managers to not mange risk? Was the 2008 housing crisis a natural part of the long term debt cycle? Was it natural to have the credit rating agencies lie about the mortgage backed securities they were rating? Is it natural for the banks to bet BIG against the very securities they are selling? Is it natural for credit default swaps to be leveraged beyond any reasonable level that could possibly be recovered? Is it natural to repeat the same mistakes over and over again? Is it natural to save failing businesses and not change a thing after they almost bring down the house? Is it natural for the central bank to always be behind what is going on in the real economy and not ahead of it? Is it natural for a private institution to act in the publics best interest when their sole fiduciary duty is to their shareholders (all while being permitted to hold a fundamental public privilege)? Is it natural for banks to focus 80% on their resources on unproductive transactional activities even when we know real value of credit is when it is put to work for productive means (which does not produce cycles)? Is it natural for the smartest financial minds in the world also be the most ignorant in areas of their expertise... at the same time?
I can't believe it's posted 9 years ago. It's a video I think everyone on this planet should watch. It's to nice to see how a video can educate people so well. Thanks to Ray Dalio, the animator and youtube for providing a platform like this.
Why don't you believe that it was produced 9 years ago? Did you find it first in 2023? The principles of economy doesn't change over centuries.
This video should be mandatory for every politician and businessman in the world to watch.
When your parents are foreign or uneducated and school doesn’t educate you, youtube is always the #1 source.
Agreed
20 years ago, when ordinary TV was still a thing, a teacher told us in class: "TV makes smart people smarter and dumb people dumber". Nowadays this applies to KZhead.
we are late but better late than ever
@@Dornavver you say so? Well making you smarter maybe but doesnt guarantee you will get better job or a raise?
Be careful to understand how central banks work to influence monetary policy. They are not as fixed as you might think
This is one of my all time favorite videos. Better than my degree.
Feel sorry for your degree if you consider this video decent:)
Lmao You've played yourself with that degree.
Dm Mas considering this is free. Way bettdr
Road Kamelot lol Dj Khaled
da fuq was your degree, dude?
I thought I knew Economics after finishing some undergrad level econ courses but then came across this masterpiece. His fundamentals about the economy and what key variables to focus are very important. Its probably the best intro to economics ever
Nobody can become financially successful overnight. They put in background work but we tend to see the finished part. Fear is a dangerous component, hindering us from taking bold steps we need in other to reach our goals. you have to contend with inflation, recession, decisions from the Feds and all. I was able to increase my portfolio by $589k in months. You have to seek for help in the right places.
I think it's not always about fear. Sometimes realistic factors discourage people from reaching their goals in life. For example, I have tried to invest in the stock market several times, but have always been put off by fluctuations in the value of shares.
@@Aziz__0 Given that we are not accustomed to such uncertain markets, the fact that the US stock market has been on its longest bull run ever makes the widespread anxiety and excitement comprehensible. There are opportunities if you know where to go, as you noted that it wasn't difficult for me to earn more than $780k in the previous 10 months. Since I was aware that I would need a reliable and strong plan to get through these tough times, I engaged a portfolio advisor.
@Margaret "NICOLE DESIREE SIMON" is her name. I initially came across her on a CNBC report then on an investment newsletter and at once searched her on the internet, best decision I've made to stay afloat these crazy times. She has been exemplary.
It's amazing how everyone in the comments section is smarter than one of the greatest financial minds alive.
+Millennial Thoughts So true.......
+Millennial Thoughts great words !
+Millennial Thoughts Being smart is not the problem... sometimes it's just necessary to see a bigger picture and this is something experts tend to have a problem with. For instance, in all this description of our economy and how it works and how it should work, there is the assumption that the productivity is growing. While this is something certainly desirable, it's also something completely impossible in a limited system as is our planet.
Gabriel Ionescu
+Millennial Thoughts The only problem here is every piece of currency that has been created has been borrow so all the currency in our global economy is debt.
Who's watching amidst the corona crashes of 2020?
Me bro me
@@DeathAtlas_t - be me too
me
The quantitative easing won’t work
@@yihangli6241 can you explain
He says understanding Credit is not as simple as it sounds. I am seeing this now more then 6 times and it still lights up few dark areas each time. Not sure how many more attempts I will make. Ray is a genius and feel gratitude for him to share his wisdom of more then 50 years just like this. 🙏🏼🙏🏼
I love how open minded you are about investing, I read an article of investors that made upto $500,000 within 2months from options, so please I'd really love more tips and clues on how to outperform the market and make such profit using options.
you need a good level of skillset to trade options.
option isn't for rookies.
That's right, option isn't for rookies but that doesn't mean they have to stay off options, I started as a rookie and in my first 5 months, I made a profit of about $380,000 with no funny strategies, I basically was just following the steps and guideline of my mentor/consultant, so as long as you've professional help, you're good to go.
@@PaxtonthePerfect This calmed my anxiety thinking about options 😊
@@PaxtonthePerfect Hi, please how do i get in touch with the consultant that helps you out?
This should be mandatory knowledge in high school
@Glid According to what the video explains, in the long run, you're correct. But looking at the economy and its debt cycles show how people can spend more more money (on credit) than they actually have, which creates cycles. The long-term rate of growth in the economy does track with the long-term rate of productivity growth of its population (which is the citizens "creating stuff") But, the video explains more than this, it shows three facets of the economy: productivity growth, as well as the short-term debt cycle and the long-term debt cycle. These cycles show that when the rate of spending on credit (creating more credit from thin air) rises faster than incomes increase, the debt burden grows larger since people are over consuming and buying more than they can afford. When this credit bubble is too large, it pops. To decrease the debt burden, debts are restructured or forgiven and more money is printed which causes inflation. Credit is borrowing, and borrowing creates cycles. Because of these cycles, while long-term GDP growth does generally track with productivity growth, there are also cycles in the economy that show how spending on credit does "drive the economy".
I'm with you!
In the Netherlands we learn this in High School
@Glid The word demand is more appropriate here than spending. There must be demand for more commodities to be produced and that drives the economy. Makes sense now?
@Glid Without spending, you can't make the cycle continues. If people don't want to spend more, then the money is stuck on that part. No matter how much you produce, if people can't buy your products because they don't have money, then that product would basically be a loss to you. So, he's right that spending drives the economy, but we must not forget productivity is the real value creator at the same time.
Equities (stocks) at this point in time are extremely high risk. Best to be your own central bank.
I don't participate in buy and hold. Im shorting with the trend. When the sentiment changes and so does the trend I'Il get back with buy and hold crowd. The ones panicking and squealing like rats are the ones buying and holding. There's so much they could be doing such as risk reversals and collars etc on their shares.
@@MIchaelGuzman737 Problem is you will never know when its going up or down, topping or bottoming out. Nobody gets hurt on a roller coaster, unless they jump off mid ride. Dollar cost average in blue chip stocks and etfs and you will match or beat the index.
Time will tell, we are uncertain times and with that it's hard to see what the future will look like however I know most investors in stocks are stimulus investors and don't have the mindset to wait and don't have the wallet to hold themselves over for a few months. learn the process first, the market comes with alot of tornadoes
@Linda Nemirow In order to reduce my overall risk profile, I diversify stocks from different industries and as well other securities such as bonds, commodities, crypto & real estate. These various assets work together to reduce my overall risk exposure and portfolio volatility. Credit to my Financial-Advisor '"Theresa Mary Chamblee" she made me understand that strategy is the key, & she is quite the genius in portfolio diversification.
Thank you ray dalio, i have been reading your book and i love principle as it has been guiding me for a better understanding about a lot of better thing especially on personality things. This video is also helping me for understanding how the economic for me as an engineer who doesnt know much about economy. Your video animation and explanation is easy to understand . I love it ❤️👍
Putting well-earned money into the stock market can be over emphasize for first time investors,unlike a bank where interest is sure thing! Well, basically time are uncertain, the market is out of control,and banks are gradually failing. I'm working on a ballpark estimate of $5m for retirement, and I've a good 6 figure loaded up for this, could there be any opportunity a boomer like me?
Investing in a stock is a good idea, a good trading system would put you through many days of success.
There are a lot of strategies to make tongue wetting profits especially in a down market but such sophisticated trades can only be carried out by proper market experts.
That’s true , I’ve been getting assisted by Jessica Katherine Ellis for almost a year now , I started out less than $200k and I’m just $19,000 short of half a million in profits.
@@Christopher-fd4geHow can I reach out to this coach? Because I’m seeking for a more effective investment approach how good is this person at portfolio diversification, particularly with regards to digital assets?
*JESSICA KATHERINE ELLIS* is easily searchable on Google. She has extensive knowledge of the financial market.reach out to her through her Google page.
This was an aesthetically beautiful video. Very well crafted.
Yes but it assumes that debt is necessary
If you listen carefully it doesn't. Just explaining how it works right now. It mentions that without "debt money" we would have stable growth with rising productivity.
@@danpt2000 I don't think it assumes that debt is necessary; it only says that debt is a form of money and it could be used for good purposes, like increasing productivity.
Shame it's not about actual economy
hob976 reminds of the monopoly aesthetic
This should run on continuous loop in high school and college. The country needs more of this of practical financial education.
Agreed
It's too late. Nice thought. Too late. See, "Stump v Sparkman". That was the beginning of the equity theft of, Americans post bring taken off the gold standard. They used human mutilation as the high bar so you got the message, "We will rob you free from any liability". Who is "we"? The, U S. Lawyer cartel.
@@MJ-it8ru good g
I mm
you know this is something we learn in finance in college right? It doesn't have all the details, but it's a good introduction...
We desperately need more teachers like this in our education system."I must commend the outstanding graphics in this video! The visuals are incredibly well-crafted, adding a visually captivating dimension to the content. Great job!"
Watching this every half year is an excellent way to make sense of what’s happening in a complex economic environment. Cuts out so much of the noise
A weak dollar can signal an economic downturn, making me to ponder on what are the best possible ways to hedge against inflation, and I've overheard people say inflation is a money-eater thus worried about my savings around $200k
The stock market is a way to hedge against inflation. Most notably amidst recession, investors need to understand where and how to allocate funds to hedge against inflation and still make profits.
in my opinion, the impact of the rise or fall of the U.S. dollar on investments is multi-faceted but learning how to grow your money has never been easier than now that you can explore and experience a truly diverse marketplace passively by using a well-performing portfolio-advisor
@@TeresaBrickle I agree, having a portfolio-advisor for investing is genius! Not long ago amidst the pandemic crash in March 2020, I was really having inveesting nightmare prior touching base with a license portfolio-advisor. In a nutshell, i've accrued over $550k with the help of my advisor from an initial $120k investment thus far.
@@velayuthman Nice one mate, what is the procedure with the inveestment adviser like?
@@Curbalnk It's a fairly simple process, my portfolio only reflects what she trades, not just some particular securities of my choice. "KATHERINE DUFFY BURKE" has been amazing so far, she has influenced my portfolio a lot.
Pro tip:- watch this video 10 times probably every week You'll get more in your head
Please don't. This is a bored rich guy's pet project. He's not an economist, a professor, or in any way qualified to teach economics. Don't let pretty graphics seduce you, this is not how the economy works.
@@shiny_x3 how dose it work or where can i find out
I was thinking of watching it again later lol
shiny x You're right. He's only the head of the biggest and most successful hedge fund in the world, I'm almost certain he has a valid point when it comes to how the economy works.
pro tip- watch it at 2x speed
I wish I was shown this video in my first economics class as an Econ major. It’s one thing to study for a test and pass it, but this video helped me understand economics more intuitively, something that my Econ degree failed to do.
Thank you mr Dalio for giving me an economic education I never had growing up. I struggled to understand from textbooks as I have a learning disability and difficulty learning through texts. Simple graphics like the above helps me to learn 100X faster and better, and I retain it. I really appreciate your free lectures.
“Formal education will make you a living; self-education will make you a fortune.” --Jim Rohn
I like this one!
Excellent!
By this quote I'm going to be drowned in gold and silver. Awesome quote!
Jim was brilliant with wonderful earthy insights into almost everything in life ,,one of tony robbins original mentors ......so who your around is who you become ,,,etc etc
i should be a bazillionaire then, where's my money ?
This video should be shown in schools before they start to teach the textbook economics !! Most people don't know how the economy actually works, I was one of them before watching this video,but slowly my understanding of economics is increasing !!! Thanks RAY DALIO !!! 💐💐💐👍👍👌👌
Make sure you also seek out how the IMF and central banks work together. This video does not make apparent certain truths
@@ceoatcrystalsoft4942 can you suggest some books on that??
10 years before someone was editing videos like this 😢
I never understood a country's economics in my entire life. With this video I feel like I know everything that needs to be understood. Thank you from the bottom of my heart for explaining this in the most beautiful way. This one lecture is worth years of educational degrees.
Always great to know how a billionaire of the finance sector sees the economy. Thank you for making this, Mr Dalio.
I thought this was sarcasm. It's always great when a billionaire talks about how you need to see the economy.
Shared knowledge gives everybody a small advantage. :D
The lecture was delivered in a way, even untrained minds could grasp it so easily. One of the best I have ever experienced.
true that, props to ray for really simplifying a usually very poorly explained concept
Just love this explanation. Ray Dalio seems to have a clear understanding of the major forces in the economy. This is my second time watching this video earlier I watched in 2013. Because of increased level of understanding of finance it was easy to grasp this time. Looking forward for more videos like this from Ray. As far as 3 rules mentioned in the last goes. I have put all my efforts in last 8 years to increase productivity by learning new skills and knowledge.
To my understanding this just proves how much we need an edged as an investors because playing the market like everyone else just isn’t good enough. I’ve been quite ensured about investing in this current market and at the same time I feel it’s the best time to get started on the market,what are your thoughts?!
There are a lot of strategies to make tongue wetting profits especially in a down market but such sophisticated trades can only be carried out by proper market experts.
Impressive can you share more info?
She appears to be well-educated and well-read I ran a google search on her name and came across her website; Thank You for sharing.
I feel like I should pay some money to this guy after watching this video.
he's the world's highest earning fund manager. i'm sure he'll be fine :)
You can pay me, I'll send it across to him.
I think he'll be just as happy if you stole his book! LOL!
+CLKlasse- Ray Dalio has a net worth of 19.4 Billion Dollars you fucking dolt.
@@243wayne1 are you serious?
I'm an engineering major and never understood economics. This video has completely changed my perception. Thanks Ray!
building block video
Except its total BS. Central banks pump and dump the credit system to crash markets and stealwealth. Hedge funds are part of that fraud. Try Dr Ricarcard Werner for how it really works.
@@shareefcondon4122 - It feels like your one of those people who believe in conspiracy theories
Abhishek Ranjan. This video is also largely deception and propaganda, but we are so propagandized our entire existence, it is very hard for almost all to figure out what is the truth. Call me at 248-214-8505 to get more references to learn from, and more insight. There is relative remedy to all this nonsense.
forex trader and engineering major buddy
You work for 40yrs to have $1M in your retirement, meanwhile some people are putting just $10K in a meme coin from just a few months ago and now they are multimillionaires....
I’m celebrating a $30k stock portfolio today. I started this journey with 6k. I have invested on time and also with the right terms now I have time for my family and the life ahead of me
Wow, really. I was able to make my $25k on investment
@@tracyholian2944I’m looking for something I can venture into on a short term basis, I have $15k sitting in my savings
Assets that can make you rich *FX *Btcoin *Stocks *Gold *Real estate
You’re right but a lot of people remain poor due to ignorance
I have some “eclectic” economic opinions, but if I had to give anyone 30 minutes of economic education, I’d use this. What an absolutely masterpiece.
This should be taught in every school across our nation
Correction : Across every nation
@fynes leigh what is your point?? You mean this should not be taught in schools?
@fynes leigh here in india it is taught in grade 11 and 12.
@fynes leigh moreover who is talking about advanced economics. Just the basic,essential ,practical stuff
They wouldn't do this because it holds to much knowledge that frees people of ignorance.
eyyy quarantine got me getting smart out here
You were always smart, now you have time on your hands to realize your greatness.
Ayyy props man
💪🏿
Transactions and spending id the key... that is why they pump up the virus situation to get the peoples fear and make the stay home.... method to reduce spending
well we are the ones whos going to rock it, since the majority rather spend it on tik tok, social media bulshitting etc etc...
Probably my favorite video on youtube, it pop up as an ad a few years ago, and i've been coming once a year, to review the basics. ♥ Ray Dalio was my inspiration to learn about economy
I'm so happy that 2 years ago, when I got a great bump in pay, decided to reduce debt, instead of buy. Now unemployed, it served me well to eliminate some monthly debts
Great work!
Have you heard of UBI?
By unemployed do you mean like you are the boss of your own work?
@JUSTINIAN - BANKING Wut?
Just work on wall street. You don't have to do anything but loot the treasury. The stock market is fully socialized or hadn't you heard?
The Bottom Line / The Summary 1. Don't have debt rise faster than income - your debt burdens will eventually crush you. 2. Don't have income rise faster than productivity - you will eventually become uncompetitive. 3. Do all that you can to raise productivity because that's what matters most.
+Cheri Watts (Dr. Cheri) But the question is: How do you increase our individual productivity while maintaining a healthy work/life balance?
MyLifeForAuir87 Improve your time management skills. You get 86,400 pieces of gold (aka seconds of time) distributed to you every day just like Oprah, Mark Zuckerberg and Kelly Ripa. Use them very wisely.
Cheri Watts yes but at the risk of sounding stupid, How? what do you actually do to use them wisely?
Cheri Watts thats pretty good advice. Thakns. I'll try and remember to follow you up on your offer. God bless you too
+Cheri Watts (Dr. Cheri) Tony Robbins/Stefan Pylarinos/Brian Tracy??
about 3 months ago, I marked a milestone on starting this new journey, this video was one of the first lectures i choosed to learn from. Frankly, it was not so easy for me to understand at all, though Mr.Dalio explained it so simple. Now i can proudly of myself that i can understand it more wholely and specifically.
I just watched this video again two times today... so much refreshing... Always grateful for Mr. Ray Dalio for this great gift for the world.
The public school system sucks. I get all of my education on KZhead.
Same haha
until you can't pay for YT anymore and now have to read books.
***** You may be very well correct about deflation, as I am very new to learning about economics, but in concern to public education, it is very terrible, I have learned more in 1 year of youtube and shows and even games (yah I know), than the public school education system. A system which only benefits certain types of learners and varies teacher to teacher. The alternative is expensive private schools or expensive colleges (when older), which are not an option because without education on things like economics you are prone to not make much money, unless your education is paid for which is possible but not in most situations. It's almost a trap that keeps those who were born without less money in a situation that prevents them from learning how to make more. But, it is possible to get out of this by pursuing education through other means such as youtube, or books if you learn well that way.
That's not by accident BTW.
Highschool in the netherlands sucks too. The productivity of the lessons are way to low. I see in my environment many people wanting to learn much, but the schoolhours stops you from learning. People are made be curious and wanting to learn. So let them make only the central exams which gives you a diploma of a equal level, and give them more freetime. More freetime = more knowledge.
It's a blessing to have the founder of the world's largest hedge fund dedicate so much of his time trying to educate and help people. Ray Dalio has been, and will always be a model and a source of inspiration for me throughout my life.
@Jesus has given you all. Repent or die. Jesus also flipped the money changers table over . . . . . usury is a crime far as I'm concerned .
@Jesus has given you all. Repent or die. Jesus is a mushroom . 🍄
No. This video is very bad because it doesn't include the most crucial part - that is printing money for governemnt's spending. It shows that central bank prints money for people and businesses that in the end create value. But governemnt doesn't create value - it only spends. Money printed for government = theft of everyone's money. Simple example: Imagine there are no taxes at all. Goverment doesn't get money to spend. What they do? They print money (through central bank). What happens? They have money to spend -> Your money is less valuable and they caused inflation. This video doesn't explain this CRUCIAL part of "economy" (economy of theft) and how it influences everyone's life. I call manipulation. It shows only ONE variable in the sea of much more important ones.
@@ilove2learn783 Thanks for your comment. Any more advanced economy theories you could point me to?
@@ilove2learn783 you didn't expect the worlds largest hedgefund manager to tell you this nugget did u?