Cómo piensan los ricos: 18 claves imperecederas sobre riqueza y felicidad

Cómo piensan los ricos: 18 claves imperecederas sobre riqueza y felicidad

  • Downloads:7532
  • Type:Epub+TxT+PDF+Mobi
  • Create Date:2021-08-19 08:15:58
  • Update Date:2025-09-23
  • Status:finish
  • Author:Morgan Housel
  • ISBN:8408246127
  • Environment:PC/Android/iPhone/iPad/Kindle

Summary

En cuestiones de dinero, lo que importa no es lo listo que seas sino cómo te comportas。 Tendemos a pensar en la inversión o la gestión de las finanzas personales como una disciplina matemática, en la que los datos y las fórmulas nos dicen exactamente qué hacer。 Sin embargo, el rasgo que define a las personas que logran enriquecerse no es su destreza con los números, ni su salario o su talento, sino su historia personal, sus motivaciones y su visión única del mundo。

Un genio que pierde el control de sus emociones puede ser un desastre financiero。 Y lo mismo vale en caso contrario: gente de a pie sin formación en finanzas puede enriquecerse si cuenta con unos cuantos patrones de comportamiento。 Esto, impensable en otras disciplinas como la arquitectura o la medicina, es fundamental en el campo de las finanzas。

Este libro, llamado a convertirse en un clásico de las finanzas personales, nos provee del conocimiento esencial para entender la psicología del dinero y nos invita a hacernos una pregunta fundamental que raramente nos hacemos, cuál es nuestra relación con el dinero y qué queremos realmente de él。

A partir de 18 claves imperecederas, Morgan Housel nos enseña cómo funciona la psicología del dinero y cuáles son los hábitos y conductas que nos ayudarán no solo a generar riqueza, sino, más importante aún, a conservarla。

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Reviews

KRuss

Fast, effortless, thought-provoking read。 I enjoyed the way this book was formatted and written for easy reading (or listening)。 I found the analysis and takeaways interesting and valuable - Housel’s book leaves the reader a lot to consider and think about if they’ve only previously read works on stock picking and making classic “investing” decisions。 For readers more familiar with Boglehead ideas/principles and the work of JL Collins and Thomas Stanley/William Danko, the ideas presented within Fast, effortless, thought-provoking read。 I enjoyed the way this book was formatted and written for easy reading (or listening)。 I found the analysis and takeaways interesting and valuable - Housel’s book leaves the reader a lot to consider and think about if they’ve only previously read works on stock picking and making classic “investing” decisions。 For readers more familiar with Boglehead ideas/principles and the work of JL Collins and Thomas Stanley/William Danko, the ideas presented within this work should be a complementary presentation of well-known principles - live below your means, have your own personal investing policy statement, time in the market/compound interest is crucial to investing success, not every financial decision is rational (and that’s okay), and saving for financial independence ($&!# you money, according to Collins) is imperative。 I recommend! 。。。more

Chandana Shilpa

This is my bible to a healthy financial life。 It made me realize the difference between being rich and being wealthy。 I've always been someone who wasn't much into investing and taking it one year at a time。 Thanks to this book, I can look beyond a year from now and understand the importance of investing and saving for the future。 This book is organized into 20 easily digestible chapters with interesting stories of real people。 Each chapter deals with one aspect of money/our relationship with mo This is my bible to a healthy financial life。 It made me realize the difference between being rich and being wealthy。 I've always been someone who wasn't much into investing and taking it one year at a time。 Thanks to this book, I can look beyond a year from now and understand the importance of investing and saving for the future。 This book is organized into 20 easily digestible chapters with interesting stories of real people。 Each chapter deals with one aspect of money/our relationship with money。 Highly recommend this book to any adult who wants to have a healthy relationship with money。 I will definitely come back and revisit this book a few more times in my life。 。。。more

Justine

4。5。 Many interesting facts and perspectives; thoughtful and inspiring in a surprising way。

Abhishek Mehndiratta

My attitude about money has entirely changed。 I would strongly recommend it to everyone。

Anurag Bhandari

The book presents a collection of simple and neat ideas around how to think about managing your money。 Notice my emphasis on "how to think about managing" rather than "how to manage。" I guess the title itself makes it abundantly clear that rather than discussing "proven" formulae for increasing your wealth it will talk about the psychological or emotional part of wealth management。It's much like how the book Never Split the Difference: Negotiating As If Your Life Depended On It discusses the var The book presents a collection of simple and neat ideas around how to think about managing your money。 Notice my emphasis on "how to think about managing" rather than "how to manage。" I guess the title itself makes it abundantly clear that rather than discussing "proven" formulae for increasing your wealth it will talk about the psychological or emotional part of wealth management。It's much like how the book Never Split the Difference: Negotiating As If Your Life Depended On It discusses the various tactics of negotiating in the light of human behavior and emotions。 So, rather than giving you step-by-step techniques to increase money, it tries to convince you to change your mindset and lifestyle in order to be wealthy。 The author nicely backs his arguments up with some good real-world stories and examples。 I found it thought-provoking enough to take away a lot of ideas for my own good, and note them down in my personal diary。If I were to reduce the book to one or two lines, it would be this -- the only way to get rich is to save more, be consistent and patient with your investments, believe in the power of compounding, and the ideal financial goal is to be able to do whatever the fish you want to do in life。The postscript chapter on how the American economy became the biggest in the world through self-sustenance and internal growth is an interesting read。 Not to be skipped! 。。。more

Amanda

The Psychology of Money should come standard with the first paycheck of every person in America and the world。 How different our lives would all be if we took Housel's words to heart and put them into action! The Psychology of Money should come standard with the first paycheck of every person in America and the world。 How different our lives would all be if we took Housel's words to heart and put them into action! 。。。more

Chandan

this books take a different view on how money works and how you have to deal with your money, with the principles being the same as most financial help books

Jacqueline Boss

Excellent overview, simple。 Loved the re-framing of Warren Buffet's story as a tale whose main hero is time, to show that billions of dollars is actually a goal that is achievable for a person of average income in a single lifetime, if you're willing to literally just wait and do nothing with very modest monthly investments till you're 85。 Why ain't every family full of billionaires?!?"When most people say they want to be a millionaire, what they might actually mean is "I'd like to spend a milli Excellent overview, simple。 Loved the re-framing of Warren Buffet's story as a tale whose main hero is time, to show that billions of dollars is actually a goal that is achievable for a person of average income in a single lifetime, if you're willing to literally just wait and do nothing with very modest monthly investments till you're 85。 Why ain't every family full of billionaires?!?"When most people say they want to be a millionaire, what they might actually mean is "I'd like to spend a million dollars。" And that is literally the opposite of being a millionaire。" p72 。。。more

Awwwdrey

U think u are good at investment? U should read thisHelp u rethink about your investment strategy, what can go wrong, will go wrong。 Don’t take the risk u can’t afford

İlhan Aydoğan

Excellent book with some informative insights。I have taken what I've expected。Easy to read in English for a non-native。 Excellent book with some informative insights。I have taken what I've expected。Easy to read in English for a non-native。 。。。more

knizny。zavislak

Čo sa mi na Psychológii peňazí najviac páči je to, že by si ju mal (a môže) prečítať každý。 Dáva cenné rady ako pracovať s peniazmi, resp ako ich vnímať。 Je to taký trochu vyšší level finančnej gramotnosti, kde sa budete na celú situáciu pozerať z iného uhla pohľadu。 Teda nebudú to už pre vás len čísielka a papieriky。Zároveň je to neskutočne čítavé。 Je to prerozprávané cez príbehy iných ľudí, ale zároveň autor ide vždy k veci。 A postupne vás navnadzuje na ďalšiu a ďalšiu kapitolu。 Je to tak troc Čo sa mi na Psychológii peňazí najviac páči je to, že by si ju mal (a môže) prečítať každý。 Dáva cenné rady ako pracovať s peniazmi, resp ako ich vnímať。 Je to taký trochu vyšší level finančnej gramotnosti, kde sa budete na celú situáciu pozerať z iného uhla pohľadu。 Teda nebudú to už pre vás len čísielka a papieriky。Zároveň je to neskutočne čítavé。 Je to prerozprávané cez príbehy iných ľudí, ale zároveň autor ide vždy k veci。 A postupne vás navnadzuje na ďalšiu a ďalšiu kapitolu。 Je to tak trochu paradox, lebo chcete sa nad tým celým zamyslieť, ale zároveň chcete čítať ďalej a vedieť viac。Na druhej fotke môžete vidieť časť, ktorá sa mi naozaj páčila (a tiež aby ste videli ako skvelo to je napísané:D)。 Úplne som si v tom momente povedala "ci brehy, úplne to tak je"。 Viackrát ma táto kniha dostala a zároveň utvrdila。Psychológia peňazí je fascinujúca knižka。 Nedá sa prečítať na jedno posedenie a zároveň sa nedá len pasívne príjmať。 A nemusíte byť len čitateľom non-fiction, aby ste po nej siahli。 Fakt je dobrá a rozhodne sa dostáva do môjho zoznamu top kníh za rok 2021。 。。。more

Tirth Bodawala

Its mainly focused on how to think about money。 The way a wealthy man thinks, It has important lessons for everyone and one can learn a lot from it。3 stars, because it is very repetitive, and most of the topics are the same as everyone near the street corners in India discuss。

Ashley Marshall

Has a few good points but if you dont have interest in stocks or the stock market, a lot of the book can be irrelevant。

Itinerant Singh

ਬਿਨਾ ਸੰਤੋਖ ਨਹੀ ਕੋਊ ਰਾਜੈ ॥Money has been around a long time。 King Alyattes of Lydia, now part of Turkey, is thought to have created the first official currency in 600 BC。 Wealth is what you don’t see。 “Your kids don’t want your money anywhere near as much as they want you。 Specifically, they want you with them,” Pillemer writes。 Warren Buffett expressed a similar idea when he told Berkshire Hathaway shareholders in 2008: “I have pledged—to you, the rating agencies and myself—to always run Berkshi ਬਿਨਾ ਸੰਤੋਖ ਨਹੀ ਕੋਊ ਰਾਜੈ ॥Money has been around a long time。 King Alyattes of Lydia, now part of Turkey, is thought to have created the first official currency in 600 BC。 Wealth is what you don’t see。 “Your kids don’t want your money anywhere near as much as they want you。 Specifically, they want you with them,” Pillemer writes。 Warren Buffett expressed a similar idea when he told Berkshire Hathaway shareholders in 2008: “I have pledged—to you, the rating agencies and myself—to always run Berkshire with more than ample cash 。。。 When forced to choose, I will not trade even a night’s sleep for the chance of extra profits。” Nassim Taleb also explained: “True success is exiting some rat race to modulate one’s activities for peace of mind。”ਨਰ ਚਾਹਤ ਕਛੁ ਅਉਰ ਅਉਰੈ ਕੀ ਅਉਰੈ ਭਈ ॥Getting money is one thing。 Keeping it is another。 Planning is important, but the most important part of every plan is to plan on the plan not going according to plan。 What’s the saying? You plan, God laughs。 Years ago, Morgan asked economist Robert Shiller, who won the Nobel Prize in economics, “What do you want to know about investing that we can’t know?” — “The exact role of luck in successful outcomes,” he answered。 Risk and luck are doppelgangers。 For every Bill Gates there is a Kent Evans who was just as skilled and driven but ended up on the other side of life roulette。 Both flipped the same coin that happened to land on a different side。 。。。more

Hanie Noor

An excellent book on increasing wealth in the present。 Unlike some books that talks about the stock market together with the jargons and all that are not beginner friendly which may confuse some readers, this book is jam-packed with information that’s highly applicable by the readers。 The book is filled with sound advice for those who are just getting started in the stock market。 This won’t transform us into billionaires overnight, instead may assist us to build wealth over time in order to live An excellent book on increasing wealth in the present。 Unlike some books that talks about the stock market together with the jargons and all that are not beginner friendly which may confuse some readers, this book is jam-packed with information that’s highly applicable by the readers。 The book is filled with sound advice for those who are just getting started in the stock market。 This won’t transform us into billionaires overnight, instead may assist us to build wealth over time in order to live a comfortable life reaching the golden years。All of us might’ve came across numerous stories of people who have lost their fortunes as a result of their greed。Some personal highlights from the book:— the importance of having a wealth mindset— our behaviour regarding financial situations (how well you deal with money has nothing to do with how smart you are but your attitude/self-control)。— being observant of your surrounding/keeping up with what’s happening nowadays— understanding/learning/polishing on (few if not all) key behavioural skill 。。。more

Vipul

Loved it。Must read at an early stage。

Eveli Nõgu

Esimeste peatükkide jooksul olin ma kahevahel, kas see raamat on lugemist väärt。 Jutt kõik õige aga tundus nagu väga elementaarne info。 Siis mingi hetk läks huvitavaks ja lõpus väga huvitavaks。 Ilmselt oligi vaja vundamenti luua。 Kui sa plaanid investeerima hakata, siis kasulik lugemine, et mindset õigeks seada。 Kui sa ei plaani investeerimisega tegeleda - siis sinul soovitan seda eriti lugeda。 Igal juhul sain siit mõtteid, mis vajavad settimist。 Hea aju korrastamise raamat。

Vaish Behara

Short, sharp and digestible!

Kejal Shah

Simple but effective readEnjoyed reading the book。 Provided some validations and some new insights to how I dealt w money。 A must read for every individual

Kunal Kundu

It was similar to other books in the same genre with a bit more focus on the "people" aspect of things rather than just numbers。A short and actionable summary would be:- Resist peer pressure and don't buy unnecessary stuff。- Buy index funds and hold on to them even if market crashes。- Don't lose sleep over your investments。- It's not necessary to have goals to start saving。 Save to have options even during unpredictable circumstances。- Take risks but not ruinous risks。Pro-tip: You can just read It was similar to other books in the same genre with a bit more focus on the "people" aspect of things rather than just numbers。A short and actionable summary would be:- Resist peer pressure and don't buy unnecessary stuff。- Buy index funds and hold on to them even if market crashes。- Don't lose sleep over your investments。- It's not necessary to have goals to start saving。 Save to have options even during unpredictable circumstances。- Take risks but not ruinous risks。Pro-tip: You can just read the last chapter which has a good summary if you don't need the stories and stats。 。。。more

Michelle T

The best messages are the ones that are simple, concise but packed with wisdom。 Loved this quick read about human behaviour that usurps the conventional understanding of money and what it can do -- Chill out。 Nothing is that good and nothing is that bad- Only 4 things are certain: Money, Health, Death and Taxes- Financial success is not about getting rich quick。 It’s about the freedom to do whatever you want, whenever you want, and work with whomever you want - at nobody or no institution’s merc The best messages are the ones that are simple, concise but packed with wisdom。 Loved this quick read about human behaviour that usurps the conventional understanding of money and what it can do -- Chill out。 Nothing is that good and nothing is that bad- Only 4 things are certain: Money, Health, Death and Taxes- Financial success is not about getting rich quick。 It’s about the freedom to do whatever you want, whenever you want, and work with whomever you want - at nobody or no institution’s mercy。 It’s the luxury of controlling your time- Downturns are fees not fines to participate in the upside opportunity- Find the investment strategy that helps YOU sleep at night, not your aunty, uncle, neighbour, cousin, friend or coworker- We all make crazy decisions based how we understand the world to be。 But we aren’t crazy- Key catalysts are the black swans - Start compounding as early as possible。 One of the situations where ASAP can actually be used- Wealth and happiness = (expectations - reality) * consistency * frugalityWill be recommending this to friends and anyone interested in these areas of life 。。。more

Wes

Loved it。 Lots of common sense that I didn’t know。

Daniel

Having began my foray into the seemingly treacherous grounds of the stock market right at the peak of the GameStop and the dawn of the era of Meme Stocks, I've got a somewhat skewed perspective of how it operates, to say the least。。。 This work gave me a much needed, healthy dose of rationality and perspective with regards to understanding finances in general and a small glimpse of how the world, and perhaps more importantly, how people function with regards to them。 Majority of the principles ar Having began my foray into the seemingly treacherous grounds of the stock market right at the peak of the GameStop and the dawn of the era of Meme Stocks, I've got a somewhat skewed perspective of how it operates, to say the least。。。 This work gave me a much needed, healthy dose of rationality and perspective with regards to understanding finances in general and a small glimpse of how the world, and perhaps more importantly, how people function with regards to them。 Majority of the principles are interwoven with real-world stories about people either applying them or discarding them and the consequences that ensue。 This book was easy and enjoyable to consume, having minimal financial jargon, which was perfect for a layman like me。 The wisdom in this book feels timeless, and thus simple and elegant in its delivery。 。。。more

Yashaswi N

Honestly, I liked how the book started and was excited to complete it。 In the beginning, the book spoke a lot about money and savings。 What's the need for savings and what's the psychology when it comes to savings etc,。 But the book ended up with a lot of stock talks with a lot of many unnecessary examples。 2nd the half of the book I expected the author to suggest few ways how one can plan on investing and savings and more on what are the options of investing, considering the book is the basic l Honestly, I liked how the book started and was excited to complete it。 In the beginning, the book spoke a lot about money and savings。 What's the need for savings and what's the psychology when it comes to savings etc,。 But the book ended up with a lot of stock talks with a lot of many unnecessary examples。 2nd the half of the book I expected the author to suggest few ways how one can plan on investing and savings and more on what are the options of investing, considering the book is the basic level and for somebody who is very much of a beginner like me around the topics Finance and Savings。 Instead, the author at the end of the book suggested that investing is one's own priority and gave his own investing ideas, and justified what he is doing with saving is what satisfies him and is right!! Even a beginner in the topic might need few more details on savings and investments。 However, I guess it's a good start for me to explore more books on finance and personal savings。 3。5/ 5 stars to be precise 。。。more

Leonel

Quintessential read about finances。 Must read and 5 stars no doubt。 It´s that good。

Anin Sethi

A different yet insightful perspective about your perception of money。

Deepak Goswami

My first reading related to finance。 It introduces different concepts associated to the subject in a very succinct yet understandable manner。 Every chapter is independent in itself so one can start from anywhere。 I listened it on Audible and enjoyed the narration of reader。 Advised to all those newbies like me!

Nea the Nerd

Quite a good read on the topic of money。 I did find this to be informative and educational with a lot of practical advice。Though the chapters about stocks and investing wasn’t my cup of tea。 It may be something I look into in the future。Would still recommend it if you want to learn about making money, investments, stocks and just the history of money/economy in general。 (Though this does focus a lot on America so keep that in mind。)

Azzahra Aprilia

This book is a very very good book

Amit

The author did a great job at keeping the content simple to read。 Teaching you how to think than giving solutions or suggestions。As a person how has not studied finance this is great book to get started。 Learn basics。 Chapters are very well broken and it almost like watching a web series where would like to see (read) more。