Marketero · Entrevistas
31 Years of Wealth Knowledge in Just 18 Minutes
12 ideas de marketing sacadas de «31 Years of Wealth Knowledge in Just 18 Minutes», de Sharran Srivatsaa. Sobre todo de estrategia y decisiones de negocio.
- 12 ideas despiezadas
- Fuente Sharran Srivatsaa
- Dura 18 min
- Publicada en 2026
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Estrategia y decisiones de negocioPara alcanzar la independencia financiera se debe progresar peldaño a peldaño mediante cuatro preguntas diagnósticas: 1) Ingreso activo (¿los ingresos superan consistentemente a los gastos?), 2) Excedente (¿se deriva automáticamente un porcentaje antes de gastar?), 3) Activos (¿se poseen bienes o instrumentos que pagan por tenerlos?), y 4) Pasivo (¿los ingresos pasivos cubren progresivamente el costo de vida?).
start today. The big question is, where do you start? I would start by figuring out where exactly you are on the wealth ladder. Use the wealth ladder as the exact process to go from rung to rung to rung, because it'll give you the blueprint that you need to get to the financial security space that you truly want in life. And if you don't know where you are on the wealth ladder, start with these questions. In the active rung, you may ask, is my active income consistently greater than my expenses? In the surplus rung, you may ask, am I automatically routing a percentage of my income before I…
Escúchalo en el minuto 17:17
Pagarse a uno mismo primero invirtiendo la fórmula tradicional del beneficio
Estrategia y decisiones de negocioPara garantizar la acumulación de excedente y la rentabilidad, se debe invertir la fórmula tradicional (Ingresos - Gastos = Beneficio) y aplicar 'pagarse primero' (Ingresos - Beneficio = Gastos permitidos), obligando a que la estructura de costos y estilo de vida se ajusten al remanente.
two of the wealth ladder, which is the surplus. Here's the biggest mistake that people make. They pay themselves last. If you're an employee, you're thinking income minus expenses is equal to your savings. If you're a business owner, you're thinking income minus expenses is equal to profit. But is there a better way? The book Profit First actually introduces this idea, which is a very powerful one because the bad way is to pay yourself last. Income minus expenses is equal to profit. The good way is to pay yourself first. Income minus profit is equal to your expenses. I actually think
Escúchalo en el minuto 4:24
Estrategia y decisiones de negocioPara iniciarse en la inversión sin gran capital, conviene empezar acumulando pequeños activos generadores de ingresos (TIGAs, como fondos de dividendos o inmobiliarios). Estos permiten construir la infraestructura mental y el conocimiento financiero cobrando desde el inicio, para luego reinvertir y apilarlos hasta convertirlos en activos de gran escala.
I didn't have a large amount of money to buy real estate or invest in companies, which is why I chose to invest in funds. I liked VNQ, which is a ticker for a basket of real estate properties, which gave me exposure to the real estate market. I also invested in SCHD, which is a fund that invests in dividend paying stocks of US companies. This was my TIGA entry point. It was a tiny income generating asset. They gave me an entry point into actually starting to invest in real estate and companies because both of them paid me to own them. Both of them were assets in the wealth ladder for me. By…
Escúchalo en el minuto 10:08
Estrategia y decisiones de negocioPara construir patrimonio de forma sostenible, la ecuación financiera debe priorizar la inversión antes que los gastos: descontar un porcentaje fijo directo a inversión en cuanto entra el ingreso y financiar el estilo de vida únicamente con el remanente.
out how to get paid while you sleep, you will work until you die, which means we have to pay our future selves first. Because the best invest first. So the equation is income minus investments is before profit first. Because profit first pays you today and future first pays you forever. And most people Let's talk about the general investment formula. How does this work? Let's say you have an income of $8,000. And you choose that you're going to put 20% into investments. That's $1,600. So you would start with $8,000. And he would subtract $1,600 for your investments for the future. And then…
Escúchalo en el minuto 5:03
Estrategia y decisiones de negocioAntes de manejar sumas grandes o instrumentos complejos, conviene empezar con microactivos generadores de ingresos (incluso desde 100 dólares al mes) para entrenar la mecánica del flujo de caja y evitar pérdidas por falta de experiencia previa.
two, I need good credit to buy large assets. Or number three, I have only $100 a month. What do I do with it? This is exactly the point because our job is to create income from smaller assets. You would not ski on a black diamond on day one, you would need a bunny hill. This allows you to learn how assets root cause. This is why I came up with this idea called TIGA, Tiny Income Generating Assets. The entire job of a tiny income generating asset is the bunny hill. It gets you started on investing, even though you don't have a large amount of money to spend right away. This is how the TIGA…
Escúchalo en el minuto 7:51
Superar los gastos mediante el desarrollo rápido de una única habilidad rentable
Estrategia y decisiones de negocioEl primer escalón hacia la solidez financiera consiste en lograr que el ingreso activo supere los gastos fijos. La vía más rápida para conseguirlo no es cambiar aleatoriamente de carrera, sino adquirir con rapidez una habilidad concreta de alto valor por la que el mercado esté dispuesto a pagar.
surplus, which means that your active income covers your expenses. This is the state that we want to get to because when your active income is greater than your monthly expenses, you've achieved rung one of the wealth ladder. It's easy to say, but it's extremely hard to do. And the fastest way to grow your active income is to focus on one new skill, not a new job, not a new career, one profitable skill one certificate. This one skill doubled his income in under 90 days. Nothing, and I mean absolutely nothing, is more important in creating more income than rapid skill development. But here's…
Escúchalo en el minuto 1:18
Estrategia y decisiones de negocioEl ingreso pasivo real no surge de la nada, sino que requiere una prefinanciación: o bien se prefinancia mediante esfuerzo inicial (crear productos con regalías, acuerdos de afiliación o estructuras de reparto de ingresos) o mediante capital directo (compra de inmuebles de alquiler o acciones que pagan dividendos).
can stop working until the day you die. And this is passive income. Now, what is passive income? Passive income is pre-funded income. It is either pre-funded with effort or it's pre-funded with money. Now, let's take effort. Maybe you build a revenue share organization in a multi-level marketing company, or you create an affiliate revenue stream, or you create a product and you receive royalty. Those are all effort-based things that you pre-fund upfront, and then you start to receive passive income in the back end. Or you write a check to buy an asset. Maybe you write a check to buy a…
Escúchalo en el minuto 11:28
Estrategia y decisiones de negocioPara impedir que la inflación erosionante del 2,5 % al 3 % reduzca el poder adquisitivo del capital estancado, se deben utilizar instrumentos respaldados como los TIPS (Treasury Inflation Protected Securities), cuyo capital se ajusta automáticamente según el índice de precios al consumidor (CPI).
to work. And third, inflation is the silent killer. Inflation is real and it's going to eat away at your savings. In fact, the government targets 2.5 to 3% inflation in its best years. And so no matter what, your money is losing its purchasing power every single year, which is why you must start now. There are ways in which you can protect your assets against inflation. My favorite way to do this is to use TIPS, which is Treasury Inflation Protected Securities. And what it does, it's a government-backed security that automatically adjusts to inflation based on CPI. So if inflation grows, your…
Escúchalo en el minuto 16:07
Criterio de activo de flujo de caja frente a especulación
Estrategia y decisiones de negocioPara alcanzar libertad financiera, un activo se define como aquello que genera un pago recurrente por el mero hecho de poseerlo (como dividendos o rentas inmobiliarias); si el rendimiento solo se produce al venderlo, califica como especulación y no como activo generador de flujo.
stage three of the wealth ladder, which is the asset stage. Well, what is an asset? An asset is drive it off the lot. So it's probably not an asset. Let's do an asset check. Is a rental property an asset? Yes, you get a monthly check and it pays you to own it. Is a dividend stock an asset? Yes, it pays you quarterly dividends. So it pays you to own it. Is an index fund an asset? Well, about gold? Well, they don't pay you to own it. If it only pays you when you sell it, that is probably speculation and not an asset in our terms in the wealth ladder itself. Because that actually tells game. You…
Escúchalo en el minuto 6:44
Estrategia y decisiones de negocioComenzar a invertir a una edad más avanzada permite obviar la fase inicial lenta de aportaciones pequeñas e interceptar directamente el tramo medio y acelerado de la curva de interés compuesto, apalancándose en una mayor capacidad de generación de ingresos y en la extensión de la expectativa de vida.
things hit me at the same time. First, it's never too late. There are three reasons why it's never too late. You can start in the middle of the compounding curve. Well, what does that mean? We've been taught to put a small amount of money over a long period of time. And we hope that it starts to add up. But now, if you have not done that, you can still intercept the middle of the curve. Because you're older, you're wiser, you're probably making more money. And you can bypass the entire early part of the curve by just intercepting the curve. You have not lost any of the early compounding. You…
Escúchalo en el minuto 15:19
Estrategia y decisiones de negocioPoseer acciones de una empresa rentable genera mayores retornos a largo plazo que administrarla como empleado de alto nivel: mientras que el CEO de Coca-Cola (James Quincey) percibe alrededor de 26 millones de dólares anuales entre salario y bonos por gestionar la operación, Warren Buffett (Berkshire Hathaway) recibe más de 816 millones de dólares al año únicamente en dividendos como accionista.
dividends. Let me tell you a story about Warren Buffett. Berkshire Hathaway owns a large amount of Coca-Cola stock. In fact, more than 400 million shares of Coca-Cola stock. And Coca-Cola is known to pay a high annual dividend rate. Berkshire Hathaway's stake alone is close to $816 million per year in dividends. And you must be thinking, that must be nice, right? Well, here's the thing. Not many people know the CEO of Coca-Cola, James Quincy. This is the same company that generates the same amount of dividends that he's the CEO of. James Quincy runs the business. He has a salary of $16-ish…
Escúchalo en el minuto 12:42
Estrategia y decisiones de negocioLa mayor parte de los patrimonios sostenibles a gran escala se construyen a través de dos vehículos principales: la posesión de participación accionaria (equity) en empresas y el equity en bienes raíces.
you to the golden stairways, the two documented ways that people across the economic spectrum have created financial security. And they are to own equity in a business and to own equity in real estate. Because the Forbes 400 list is dominated by business and real estate tycoons. And we have something to learn from that. If the best of the best, the wealthiest of the wealthiest have figured something out, they've figured out the most efficient vehicles for them to create that wealth. And that is equity in their business and equity in real estate. Because both of them have built in equity and…
Escúchalo en el minuto 9:07
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