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After starting this new adventure, there was one single question that popped up in my mind, all the time:

“How could I explain to people what I discovered and what to do, in a simple way, considering that most of the people I know and I care about have no time at all, and in many cases do not have financial profiles?

That question is, pretty much, what I devoted myself to do.

In every market, there is a barrier of entry, constraints making more or less difficult to compete in that specific environment. For subjects you want to get into and understand, there are similar barriers as well.

In the financial world, there are tons of specific terminologies, sophisticated techniques of trading, investing strategies for a portfolio, all imaginable ratios to calculate everything you could think of. The barrier is tough thick.

All of that perceived complexity, many times real, constitutes a barrier to understand. And in order to jump over it you have to dedicate time and will. That barrier prevents non-technical people to get to understand the subject.

And practically speaking, most people do not even want to deal with it.  In many ways, a good number of people perceive money as a burden, as a “negative or complicated aspect” in their life, even if many of them “desire” to have it.     

Well, that’s the deal, desiring is easy, but not understanding money and how it works, puts you in a weak position to run your finances and, to some extent, preserve your well-being as well. I believe it is fair to say that not wanting to know prevents you to have it.

Money is important in your life. There are many aspects way more important in it, but still, money matters in your life, for the good or the bad.

Due to that, all that many people who do not want to understand give the responsibility (and factual ownership too), to somebody else, relying on a third party to take care of it.

In most of the cases, that third party is a bank, can be a broker, an investment firm, or similar.

Considering what many banks have done in our late history, and the way that they have manipulated markets and placed a huge burden of debt on us and on future generations, with the connivance of governments and people falling into the debt trap, I have serious doubts about the main interest of a Bank being to protect you, your family or your well-being in general… just analyze the facts and the history of economic events from the 90’s until today.

So the call to action, handle your money yourself.

Some people will tell you, “What, are you crazy??, risking your money??” “You do not have a degree, knowledge, you are not broker…! You have services and people, professionals for that matter”

Well, they said that to me too… risk is always there until you jump of the cliff and start understanding, educating yourself, trying, learning… then, after time, you realize that the risk is way more present on the “safe side”. That is indeed quite a Paradox. Again, we come back to Paradoxes.

Looking at facts again, I can tell you that the only money I have related to a big brokerage firm (I have had a life insurance tied to it for some time, prior to starting my personal discovery, and I still have it, unfortunately), is by far, the money giving me the worst poorest performance. BY FAR (very big FAR, I mean). Supposedly, my money is in top tier funds, reserved to their top notch platform, and the investment return is supposed to pay for the insurance premium… complete BS, it did not, not one single month.