Marketero · Entrevistas
LEAKED: Street millionaire employee training...how he REALLY got rich..
37 ideas de marketing sacadas de «LEAKED: Street millionaire employee training...how he REALLY got rich..», de Alex Hormozi. Sobre todo de estrategia y…
- 37 ideas despiezadas
- Fuente Alex Hormozi
- Dura 47 min
- Publicada en 2021
Ver la entrevista entera en YouTube
De qué habla
Las 37 ideas de esta entrevista se reparten así entre las etapas del marketing. El reparto es lo que distingue una entrevista de otra: dice en qué se detuvo de verdad quien hablaba.
Las 37 ideas, con su cita y su minuto
Cada una está sacada de un punto concreto de la entrevista. El enlace del titular lleva a
la página de esa idea, donde se ve quién más la dice por separado; el del pie salta al
segundo exacto del vídeo para que la compruebes tú.
Paso 1: fondo de emergencia antes de pagar deudas
Estrategia y decisiones de negocioEl primer paso es ahorrar entre 1.000 y 5.000 dólares de fondo de emergencia, y hacerlo antes de empezar a pagar deudas. Sin ese colchón el primer imprevisto rompe la racha de pagos y ya no se retoma; el imprevisto es 100% predecible y la única variable es cuándo, no si.
Number one is that you have to start saving money and you do that before you start paying debt off. All right. And you're like, how much do I save? What you save is something called an emergency fund. And the reason you start there rather than paying off your debt is because something will come up. And if you learn the habit, stopping to pay off your debt, you'll stop paying it off. It's like going on vacation. And so think of this as the vacation fund for your financial fitness is that we need to plan for the vacation that's going to come so that we don't get off base. For most people, that…
Escúchalo en el minuto 21:47
Ponerle a cada compra su precio en dólares de jubilación
Estrategia y decisiones de negocioHormozi lleva una calculadora de interés compuesto guardada en el móvil y traduce cada compra a lo que valdría al jubilarse: unas Jordan de 100 dólares son 22.000 dólares a los 75 años, y dejar de comer fuera tres días por semana (unos 140 dólares al mes) equivale a 31.000. Su remate es que nadie hace esa cuenta antes de comprar.
man, them shits are sexy. So you take your a hundred dollars and you think, well, I could either have these Jordans or when I retire, I could have $22,000. Which would you prefer? The 22 grand. I agree with you. I would as well. I made similar decisions throughout my life. Now, if you looked at going out to dinner, for example, or going out to lunch and maybe just going out to lunch three days a week, right? It's an extra, let's say 12 bucks a day, right? Three times a week. So it's 36 bucks times four. So you're looking at like 130, 140 bucks just by not eating out. $31,000. And that's just…
Escúchalo en el minuto 10:54
Ver cada gasto por su valor compuesto futuro, no por su precio
Estrategia y decisiones de negocioLa tecnica es traducir mentalmente cada compra a lo que ese dinero valdria invertido durante decadas: un par de Jordans deja de costar su precio y pasa a costar 22.000 dolares, y una salida de 20 dolares con los amigos pasa a costar 6.000 dolares. El precio de etiqueta se sustituye por el coste de oportunidad.
where you look, Marcos, at that pair of Jordans. Instead of seeing a pair of Jordans, you see $22,000. That's what you have to see. When you see go getting beers with the boys on the weekend for 20 bucks, right? Of course, you wouldn't do that because you're 19 and that's below the legal drinking limit. So the non-alcoholic beer that you get, because you're a crazy person. Why would you drink that non-alcoholic beer, you weirdo? Anyways, so you go get your non-alcoholic, O'Doul's, right? For 20 bucks. And instead you see that that's $6,000. $6,000 K-speed, very expensive.
Escúchalo en el minuto 40:50
Paso 2: pagar las deudas de menor a mayor, no por interés
Estrategia y decisiones de negocioDespués se paga toda la deuda salvo la hipoteca, empezando por el saldo más pequeño aunque otra tenga el doble de interés. Matemáticamente conviene atacar la del tipo más alto, pero quien llegó hasta aquí no venía tomando decisiones racionales: hace falta la victoria emocional y el impulso de ir tachando líneas para sostener el plan.
mortgage, you pay off all your debt. And it is my two cents that it's better to pay off the smallest debts you've got. Even if you've got one that's, let's say, 20% and you've got another one that's 10% and the 10% one is smaller, despite it mathematically making more sense to pay off the higher debt one, no one here has made any fucking rational decisions up to this point. So why would we make them now? The point is that we need to get the emotional victory. We need to lose some weight. We need to tighten our belt. All right. And you need the first win so that you can see that you can do…
Escúchalo en el minuto 23:28
Estrategia y decisiones de negocioEl tercer paso es acumular de tres a seis meses de gastos de vida según la tolerancia al riesgo: quien no tiene hijos ni pareja puede quedarse en tres, quien sí los tiene debería guardar más. El cuarto es revisar el tren de vida: devolver el leasing del coche y pasarse a uno de 5.000 dólares, y mudarse a un barrio más barato si es posible.
start crossing out line items. All right. Step two, step three, you save up three to six months of living expenses. It's up to you. Depends on your risk tolerance. Marco can probably save three. You don't have kids or a wife. If you've got kids and a wife, you might want to save up more. It's up to you. Step four, you look at what you're living with. So if you have a lease on a car, trade it in, get a $5,000 car and live on that period. If you can downgrade where you live and what
Escúchalo en el minuto 38:12
Estrategia y decisiones de negocioHormozi pide a cada persona del equipo que escriba en el chat su vicio: la categoría concreta de gasto que le da un chute de dopamina y le vacía la cuenta (zapatillas, comer fuera, ropa, alcohol, café, cuidado de la piel). El diagnóstico empieza por nombrarlo en público, porque el enemigo número uno del ahorro siempre es un gasto identificable, no una vaguedad.
it. It is your number one nemesis. For some people, it's sneakers. For some people, it's eating out. For other people, it's clothing. And so the question that I have for you guys is, first off, in the chat, if you guys will be open and honest with me, what is your vice? What is the thing that eats into your accounts? What is that thing that you love spending on and you feel guilty, but you get that dopamine rush every time you buy it? What is that? Please put it in the chat. The more honest we can
Escúchalo en el minuto 6:22
Convertir el ahorro en un juego contra el mes anterior
Estrategia y decisiones de negocioLa mecánica que propone es gamificar un solo número: cada mes hay que batir el total de gasto del mes anterior y buscar qué más se puede recortar. En cuanto no gastar se vuelve divertido el hábito se sostiene solo, y si hay pareja los dos tienen que jugar o no funciona.
both have to do this together if you are married. But if you do commit to this and you can play a game, which is the game is how little can we spend and see if you can beat your last month's total every month, see what else you can trim, see what else you can not spend money on because it becomes fun and interesting. And as soon as you can make not spending money fun, I promise you, you will have more money than you ever need. You'll be able to eliminate the stress in your life around money.
Escúchalo en el minuto 8:55
Paso 5: invertir el 15% del ingreso bruto en el S&P 500
Estrategia y decisiones de negocioEl quinto paso es invertir el 15% del ingreso antes de impuestos en el S&P 500, que en los últimos 80 años ha subido entre un 9% y un 10% anual. Hormozi acompaña el consejo de un descargo explícito: no es asesor de inversiones y cada adulto decide por su cuenta qué hace con su dinero.
Step five is where you invest 15% of your pre-tax, pre-tax income into the S&P 500. Again, I'm not an investment professional. I do not recommend that you listen to me in any way. You should consult your own professional advisors for any investment advice. And this is not a recommendation at all because I don't know what I'm doing. And so you can make your own decisions as an adult to choose to do with your money, which you want to do. If you look at the last 80 years of the S&P 500, it's gone up by about nine to 10% per year for that entire period of time.
Escúchalo en el minuto 35:04
Estrategia y decisiones de negocioLa acción más fácil de ejecutar ya es entregar antes de tiempo el leasing del coche y comprar uno de 5.000 dólares al contado, ahorrando para ello si hace falta. El esfuerzo se hace una sola vez y los 100 o 200 dólares mensuales de cuota se convierten en un flujo permanente que suma al patrimonio el resto de la vida.
So the number one, the easiest thing you can do is if you have a lease, you can turn it in early and you can buy a car for $5,000 in cash. You can save up for it. Okay. But once you do that, remember that a hundred dollars a month, that $200 a month that some of you guys are paying. As soon as you save up and you do that one time, that $200 a month becomes a constant flow that for the rest of your life is adding towards your network. And then you can choose to downgrade and not live in
Escúchalo en el minuto 31:10
Liquidar la deuda pequeña para recuperar la atencion que consume
Estrategia y decisiones de negocioCon el primer sueldo que cobro como empleada, tras cerrar las ventas del gimnasio de Hawai, Layla pago de golpe toda su deuda restante. El motivo no era financiero sino de atencion: quedaba poco saldo, pero esa deuda le ocupaba espacio mental todos los dias.
was the attention of money, the attention of debt. And so with the first paycheck I got from when Alex just paid me like an employee, when I had made all the sales in the gym in Hawaii, I paid off all my debt with that. And so the reason for that was like, I only had a very small amount left. It was just like the attention that was going towards that debt. Right.
Escúchalo en el minuto 41:55
Estrategia y decisiones de negocioLa riqueza es la razón entre lo que se gana y lo que se gasta, no una cifra absoluta. Con cualquier nivel de ingreso se puede llegar a ser rico controlando el gasto, y por eso Hormozi encuadra el asunto como elección propia y no como victimismo.
clear about my view on this. And it's one of victor rather than victimhood. We all make choices and independent of what we make, wealth is a ratio of what we spend versus what we earn. Therefore, if you earn anything, you can become wealthy by controlling what you spend. So that's stat number
Escúchalo en el minuto 5:00
Estrategia y decisiones de negocioLa deuda de tarjeta al 10, 12 o 16% anual es la octava maravilla del mundo funcionando en contra, machacando cada día en vez de levantar. Si a alguien le ofrecieran una inversión al 16% anual estaría encantado: eso es exactamente lo que hacen los bancos, convertir a la persona endeudada en su inversión.
working against you because it's compounding. And for many of you, you know, credit card debt, 10, 12, 16% per year. If you could get it, if you could get a, an investment that 16% a year, you'd be fucking stoked. And that's what exactly what every single bank did in the world is they make you the investment that they get 16% compounding in. We cool. I was like, I have
Escúchalo en el minuto 21:21
Enseñar finanzas personales al equipo como palanca de gestion
Estrategia y decisiones de negocioHormozi dedica una formacion interna entera a decisiones financieras personales, en vez de a liderazgo o a como llevar reuniones, con el objetivo explicito de bajar el estres de cada persona del equipo. La meta es operar como una empresa de gente que sabe cuanto gasta, cuanto gana y que gana mucho mas de lo que gasta.
This was different than leadership and management stuff and how to run meetings, which are all very important as well. But my goal is if I can decrease the stress of everyone on this call by helping everyone make good financial decisions, then, you know, eventually we can operate as a company of people who are not stressed. Wouldn't that be nice? Because we realize that no matter what, we're secure and we know exactly what our expenses are. We know exactly how much we earn and we know that we make far more than we spend. And we also understand that we are a hundred percent in control
Escúchalo en el minuto 43:50
Estrategia y decisiones de negocioA un empleado de 19 años le enseña en directo que si ahorra 25.000 dólares este año, los mete en el S&P 500 y no vuelve a aportar un solo dólar, llegaría a los 75 con 5,5 millones. Un único esfuerzo temprano pesa más que décadas de aportes tardíos.
saved up. So this is for you, Marcos. Let's say you save $25,000 by the end of this year, because you do a great job and you live like a cheap ass. All right. And you put no more money in for the rest of the life. All right. And you start because you're 19 years old. That's how much money you can have. $5.5 million. If you just save $25,000 today and put it in the S&P and never
Escúchalo en el minuto 15:40
Pedir reseña solo a quien le gusto el producto
Retención y relación con el clienteAl cerrar, Hormozi invita a comprar 100M Offers en Amazon y pide reseña solo si el libro gusto: si lo odias, por favor no dejes reseña. Es un filtro explicito dentro de la llamada a la accion que sesga la prueba social hacia los clientes satisfechos.
And if you guys do get a chance, grab a copy of our sponsored book, $100 million offers. You can find it on Amazon in the link. And if you feel so compelled to leave a review that's good, then please do so. If you hate the book, then please don't leave a review. Anyway, lots of love,
Escúchalo en el minuto 46:31
Todo lo que acumulas te cobra en atencion, no solo en dinero
Estrategia y decisiones de negocioCuando crece la distancia entre lo que tienes y como vives, la tentacion es llenar el hueco con cosas, pero cada cosa nueva reclama atencion. El ejemplo propio: un Toyota vuelve del taller en una semana, mientras el coche caro que tienen ahora lleva ocho semanas sin arreglarse.
something that we gotten the opportunity to learn as of more recently. Like we had one car, we had a small apartment, we had all these things when we first started the companies. And then over time, you think, well, there's such a large discrepancy in between how I live and then what I have that maybe I can fill it a little bit. And then what happens is that you have attention on those things, because if you get a car that's more expensive, you can afford it, but it's the attention it takes, because that like, for an example, a Toyota you take into the shop takes a week to fix. We have a car…
Escúchalo en el minuto 42:17
El 1% empieza en uno a cinco millones en activos
Estrategia y decisiones de negocioSegun Hormozi, entrar en el 1% requiere entre uno y cinco millones de dolares en activos, nada mas. Acaba de mostrar en directo que su empleado Marcos llega ahi ahorrando 25.000 dolares al año.
the 1%, in case you're curious, one to $5 million in assets is the 1%. That's it. And we just showed Marcos here how to do that with $25,000. And so when here, if you're like, man, but I've got,
Escúchalo en el minuto 44:40
Los primeros 100.000 dólares son los más duros
Estrategia y decisiones de negocioHormozi abre la formación con la cita de Charlie Munger: reunir los primeros 100.000 dólares es brutal, pero hay que conseguirlos como sea, aunque toque ir caminando a todas partes y no comprar nada sin cupón. Después de ese hito se puede levantar un poco el pie del acelerador.
the first $100,000 is a bitch, but you got to do it. I don't care what you have to do. If it means walking everywhere, not eating anything that wasn't purchased with a coupon, find a way to get your hands on $100,000. After that, you can ease off the gas a little. Charlie Munger, Vice Chairman,
Escúchalo en el minuto 2:28
Estrategia y decisiones de negocioLa ejecución concreta que da es descargar Robinhood, que es gratis, conectar la cuenta bancaria y depositar directo en un índice desde ahí. Sostiene que no hace falta asesor porque sus comisiones acaban matando el retorno.
And if yes, you're curious about like what the tactics around this are, all you do is you download Robinhood, which is the app, which is free, connect your bank account, and you can deposit straight into an index off there. It's very straightforward. You don't need an advisor. They're just going to charge fees, which are actually going to kill your returns. So don't worry about it. S&P 500. Again, this is not investment advice. Do whatever you want with your
Escúchalo en el minuto 37:22
Estrategia y decisiones de negocioQuien cobra el salario minimo gana alrededor de un millon de dolares en toda su vida laboral. En el ejemplo que acaba de mostrar, quien aporta 5 dolares al mes termina poniendo 240.000 dolares y generando 3 millones.
that. Minimum wage makes a million dollars over their lifespan. And I showed you the contribution of the $5 a month person. It's $240,000 and it created $3 million. So the question is,
Escúchalo en el minuto 45:51
La deuda multiplica por cero en un horizonte largo
Estrategia y decisiones de negocioUn inversor mucho más rico que él le enseñó que la deuda aumenta el riesgo y que el riesgo, en un horizonte suficientemente largo, se come el retorno extra que dio el apalancamiento: cualquier número, por grande que sea, multiplicado por cero sigue siendo cero. En el desplome de 2008-2009 casi todos sus amigos emprendedores lo perdieron todo y tuvieron que volver a empezar desde cero.
wealthier than me. They said, debt increased risk. Risk, if expanded over a long enough time horizon, will eat away the returns that the additional leverage gave you. Because anything, any number, no matter how big, multiplied by zero is still zero. So it doesn't matter how good you are and how much you saved. If you take on too much risk, which is what debt is, over a long enough time horizon, it will multiply you by zero. Which some of us are old enough, Marcos, you're not, but some of us are old enough to remember the 2008-2009 collapse. I will tell you that just about every entrepreneur…
Escúchalo en el minuto 24:57
Estrategia y decisiones de negocioLa pregunta que cierra la charla es si quieres aparentar que vives como un rey o vivir realmente como uno. Para Hormozi vivir como un rey es la paz mental, y esa es la funcion que el dinero cumple para el; cada uno tiene que decidir para que le sirve su dinero, si es que le sirve para algo.
do you want to look like you live like a King or actually live like a King? And I think that living like a King comes from the peace of mind that you get. And for me, that is how money serves me. So I guess you have to figure out how money serves you or whether money serving you at all.
Escúchalo en el minuto 46:04
Esos 74 millones se van a generar igual: decide si los haces tu
Estrategia y decisiones de negocioLos 74 millones de dolares que Marcos puede acumular a lo largo de su vida se van a generar de todas formas con ese dinero. Lo unico que esta en juego es quien se los queda.
But that $74 million that Marcos has potential to make over his lifespan, that money is being made. The question is whether or not you want it to be you who makes it. All right. My sermon is over.
Escúchalo en el minuto 46:15
Refinanciar a 15 años fijos y la exención de la vivienda habitual
Estrategia y decisiones de negocioQuien no quiera mudarse debería refinanciar la hipoteca a un fijo a 15 años: la cuota sube, pero la mayor parte del pago pasa a capital y el patrimonio crece de verdad. Además, en EE.UU. no se pagan plusvalías al vender la vivienda habitual si se ha vivido en ella más de dos años, así que la revalorización se puede reinvertir entera en la siguiente casa.
renegotiate the mortgage, you can refinance right now because right now interest rates are nothing and try and get a 15 year fixed. That will make your mortgage go up. But the vast majority of the money will be going towards something that you own. And so your principal will start, you will be increasing your net worth. Fun fact, you don't pay capital gains on selling the house that you own. So if your primary home increases in value and you live in it for over two years, and then you sell it and decide to go upgrade because it's gone up and you can buy a hundred percent of your new house…
Escúchalo en el minuto 33:48
Confrontar al prospecto con la contradiccion entre lo que gasta y lo que dice querer
ConversiónEn el gimnasio, cuando alguien decia estar endeudado y con sobrepeso, Layla le señalaba las uñas, el pelo y las pestañas hechas y le proponia poner ese dinero en lo que si quiere cambiar. La respuesta habitual, que hace esas cosas para sentirse mejor consigo misma, abre la conversacion real: se siente mal justamente por la deuda y por el peso.
So for example, I used to tell people when they would come into the gym, they'd be like, I'm in debt and I'm overweight and this and that. I'd be like, well, you have your nails done, your hair done, your eyelashes. Like, why don't you just put those things on? We're like, they're like, well, I don't feel good about myself because of those things. Right. I do those things to feel better about myself. I'm like, but the reason you feel bad about
Escúchalo en el minuto 42:54
El yo soy diferente no existe: la matematica es la matematica
Estrategia y decisiones de negocioAnte el pero yo soy distinto, Hormozi responde con la analogia del metabolismo especial: si de verdad lo fueras, habrias resuelto la obesidad y el hambre en el mundo. Nadie ha encontrado la manera de gastar menos de lo que gana y aun asi endeudarse mas.
that you have that somehow cause you to not lose weight when you stop eating, right? Somehow you've cracked arithmetic and somehow figured out a way to spend even to somehow lose money and go into more debt despite spending less than you earned, right? Like you're not special. The math is the math,
Escúchalo en el minuto 45:22
Estrategia y decisiones de negocioComprar el Bentley es su arrepentimiento financiero número uno: no le da ningún disfrute y echa de menos el Prius abollado y con el parabrisas rajado que compartía con Layla cuando ya eran millonarios. Una participante de su mastermind les soltó al verlos llegar en ese Prius que pensaba que eran ricos, y él respondió que lo era, que mirara su cuenta bancaria.
point B in the exact same amount of time. It was also the biggest regret of my life is buying the Bentley that we have. Number one financial regret I have. I get zero enjoyment out of it. I miss our little broken Prius that had a dent on the side door and had a crack through the windshield. And for context, just so you guys know that I'm drinking my own Kool-Aid. When we owned that car as the only car that Layla and I split, we were millionaires. And I had a lady who was in our mastermind named Monica Patar, who saw us pull up to our mastermind in the Prius with a cracked windshield and the…
Escúchalo en el minuto 30:09
Los vicios tapan el dolor corto y agrandan el largo
Estrategia y decisiones de negocioLos gastos que funcionan como vicio cubren un dolor, miedo o inseguridad inmediata, pero alimentan el problema de fondo. Ahorrar duele mas en el corto plazo y devuelve mucha mas atencion y mucha menos ansiedad en el largo.
I do those things to feel better about myself. I'm like, but the reason you feel bad about yourself is because you're in debt and you're fat. So what the hell? And so I think that a lot of times those things that are like vices, for example, cover like a short-term pain, fear, anxiety, insecurity we have, but it's actually just dialing into the long-term one. And so it's like in the short term, it might feel worse to save that money, but in the long-term you'll have way more attention and way less anxiety if you do. So I just want to share that. I think it's,
Escúchalo en el minuto 43:08
Dormía en el suelo del gimnasio ganando 35.000 al mes
Estrategia y decisiones de negocioLa historia conocida de Hormozi durmiendo en el suelo de su gimnasio esconde la otra mitad: su segundo mes ganó 5.000 dólares de beneficio, el tercero 10.000 y siguió subiendo de 5.000 en 5.000 hasta 35.000 mensuales, siempre en beneficio. Seguía durmiendo en el suelo porque gastar cualquier parte de lo que entraba le producía una ansiedad tremenda y quería que todo fuera a la cuenta.
didn't have enough money, right? What you don't know is that I was making $5,000 my second month in business in profit. The third month I made $10,000. The third month I made $15,000. The next I made $20,000. The next I made $25,000. The next I made $30,000. The next I made $35,000. And that was in profit. And I was sleeping on the floor. And that was because for me, I get tremendous amount of anxiety if I spend any amount of the income that I earn that is negligible. And so I wanted to take as much of that money that was coming in and adding it to my bank account. And so for me and for…
Escúchalo en el minuto 7:52
Por las manos de cualquier trabajador pasa más de un millón
Estrategia y decisiones de negocioUn trabajador estadounidense de salario mínimo acumula más de un millón de dólares de ingresos a lo largo de su carrera aunque nunca reciba un aumento, y quien gana el ingreso mediano supera los 3 millones de por vida. El dinero ya pasa por sus manos: la diferencia está en controlar ese flujo.
one. Stat number two, the average US minimum wage worker will accrue over a million dollars in earnings over their career if they lived and worked minimum wage the entire time and never got a pay raise. Which barely even makes sense because with every four years, minimum wage goes up anyways. Right? So think about that for a moment. That means a million dollars is going to flow through the hands of basically any worker who works full time throughout their career in the US. All right? Next one. The median US income earner will make over $3 million. They will earn that over their
Escúchalo en el minuto 5:19
Nadie va a venir a salvarte, aunque te haya tocado la peor mano
Estrategia y decisiones de negocioAunque sientas que otro controla tu situacion o que te toco la carta corta, a nadie le importa y sigue siendo tu responsabilidad. Nadie va a venir a rescatarte, y esa es tambien la buena noticia: el control de tus finanzas es cien por cien tuyo.
of our finances. And so my, my plea to you is that if you've ever felt like someone else is in control or you feel like you've been dealt the shit at the stick, right? Or you drew the short straw that no one fucking cares. And it's still up to you. Like no one's going to come to save. No one's going to come to save. But the good news is that what you need to do in order to become
Escúchalo en el minuto 44:20
Los bancos cobran una regalía del 35% sobre tu vida
Oferta y precioEl 35% del sueldo del estadounidense medio se va en intereses, y ese es el mayor drenaje de patrimonio después de los impuestos. Hormozi lo compara con Subway, que cobra un 10% a sus 10.000 franquiciados y los asfixia porque en comida no hay margen: los bancos se llevan tres veces y media más, y no sobre un local sino sobre el sueldo de toda una vida.
paycheck goes to this one thing. Yes. Laura LaRose. Interest. 35%. So for context, imagine, right? Imagine where you had a franchise, right? And so I, I own, I'm the franchisor of Subway. I have, I license out my business model to 10,000 restaurants. Subway gets 10% and they kill their franchisees because there's no margin in food. Do you know who's killing them three and a half times more? The banks. 35% of the average American paycheck goes to interest. That's it.
Escúchalo en el minuto 16:20
Este año ganaron mas con sus inversiones que con sus empresas
Estrategia y decisiones de negocioHormozi cuenta que en el año en curso el y Layla ganaron mas dinero con su dinero invertido que con sus propias empresas. Lo comparte de forma deliberadamente transparente para demostrarle al equipo que el patrimonio invertido puede superar al ingreso operativo.
Right now, Layla and I, for this year, made more money on our money than we did from our companies. And I'm being transparent about this because I want to show you that it's possible. You also,
Escúchalo en el minuto 40:21
Abrio su primer gimnasio con 4.000 dolares en total
Estrategia y decisiones de negocioHormozi recuerda que tenia 1.000 dolares ahorrados en el banco y 4.000 dolares en total cuando abrio su primer gimnasio. Lo usa como prueba de que el punto de partida importa menos que la disciplina de las decisiones diarias.
if you read the book, see that I had $1,000 in my bank account saved up. And when I started my first gym, I had $4,000 total. You can do this. It just takes discipline. It just takes making choices
Escúchalo en el minuto 40:38
Estrategia y decisiones de negocioAunque tengas dinero de sobra para comprar, las cosas añaden complejidad y la complejidad añade ansiedad. La ironia es que perseguimos mas dinero para tener mas cosas y acabamos sintiendonos peor igualmente.
even if you have the money to get stuff, stuff adds complexity, which adds more anxiety. And so it's like, we all want more money so we can have more stuff, but then you just feel worse anyways. So it's just, it's just ironic. Was this guys, was this valuable for you guys?
Escúchalo en el minuto 43:34
Casi quebraron al arrancar Gym Launch y contrataron un coach financiero
Estrategia y decisiones de negocioLayla cuenta que al empezar Gym Launch estuvieron a punto de quebrar, cargados de deuda de tarjeta de credito, y que fue ahi cuando contrataron a un coach que les enseño el concepto de la atencion que consumen el dinero y la deuda. Los dueños de la empresa tambien vienen de la ruina.
There's a few things I want to point out, which is one, when we first learned about money and money as attention was when we were literally like, we had, it was when we first started gym launch, we went almost bankrupt, like in credit card debt, like all that stuff. That's when we got a coach who taught us a lot about money. And one of the biggest things that he talked about was the attention of money, the attention of debt. And so with the first paycheck I got from when
Escúchalo en el minuto 41:38
Los tres primeros años de hipoteca no amortizan casi nada
Investigación de mercado y clienteEn una hipoteca a 30 años, los tres primeros años apenas van al capital: cerca del 97% de cada cuota se lo queda el banco. Como el estadounidense medio se muda cada tres años, en la práctica le alquiló la casa al banco, que después mete a otro inquilino con la misma mecánica.
the average American and you move in three years, which is what the average American does. They move every three years. Do you have any idea what percentage of all those quote mortgage payments that you're making are going towards principal, which means the actual amount of the house. Dominic. Correct. You have a 30 year mortgage, your first three years, you're paying jack shit towards your principal, which means you just leased it from the bank and then they get somebody else in and then they, and they, and 97% of the dollars that go in there go to them and the bank holds the note on
Escúchalo en el minuto 18:16
Seguir leyendo
Esta es una de las 1872 entrevistas despiezadas. Puedes
ver todas, leer las ideas por tema o
empezar por la ruta guiada si no sabes por dónde.