00:00I am currently studying Finance as a Master's degree program.
00:03In this context, I have heard many interesting theories and statements.
00:07Some of them really blew me away and changed my perspective forever.
00:12I want to share these amazing findings with you now.
00:15Today I'm going to present three statements from my finance professor that changed my life forever.
00:20And I bet you, the same will happen to you.
00:23Especially the last statement.
00:25So it's worth sticking with it.
00:26Welcome back.
00:27I'm here today to tell you a story that will change your understanding of money, investing, and financial freedom.
00:34will always change.
00:35It is the story of three simple moments.
00:38Three simple statements from my finance professor that changed my life forever.
00:44Statements that were so simple yet so profound that they turned my entire perspective upside down.
00:49And I promise you, if you watch the video to the end, you will see the world with different eyes.
00:54You will understand why so many people fail to make financial progress despite working hard, and how you can break this cycle.
01:01But beware!
01:02Once you've heard these perspectives, you won't forget them, and it's hard not to be moved by them.
01:07to inspire them.
01:08So let's start with the first statement.
01:12Statement 1
01:12Each of us invests in silver, whether consciously or unconsciously.
01:17That statement confused me a lot at the time.
01:19I always thought investing was a conscious decision, something you do actively.
01:24But my professor explained to me that we are all constantly investing in silver without even knowing it.
01:29How does it work?
01:30Very easy.
01:31Silver is not just a shiny precious metal that you buy in the form of coins or bars.
01:36It is an indispensable part of our modern world.
01:39An industrial super-metal found in almost every electronic device you own or use.
01:45Think about your smartphone.
01:47It contains tiny amounts of silver, which are crucial for conductivity and performance.
01:51The same applies to laptops, tablets, and even the screens you are currently looking at.
01:55But it gets even further.
01:57Electric cars, the future of mobility, require much more silver than conventional combustion engines.
02:01The photovoltaic industry, which provides us with clean energy, is a huge consumer of silver, which is used in solar cells for power transmission.
02:08is used.
02:09Also in medical technology, in computer chips, in mirrors, switches and keyboards.
02:14Silver can be found everywhere.
02:15Industrial demand for silver accounts for almost 60% of total global demand.
02:21This means that every time you buy a new smartphone, drive an electric car, or benefit from solar energy, you are directly contributing.
02:27contributes to the demand for silver.
02:29In these cases, you are subconsciously investing in the precious metal because you consume the products that contain it.
02:34That's a fascinating insight, isn't it?
02:37It shows how deeply rooted precious metals are in our everyday lives.
02:40Far beyond mere investment value.
02:43And I'll explain the real reason why silver is so important right now in just a few minutes.
02:48But first, let's turn to a mathematical impossibility that will change your life.
02:53The next statement will leave you completely speechless.
03:02When my professor said that, I thought he was joking.
03:06220,000 is not half of a million.
03:09Mathematically speaking, that is obviously wrong.
03:11But he wasn't talking about half the amount, but rather half the time it takes to complete one.
03:16to reach one million euros.
03:18And this is where the incredible power of compound interest comes into play.
03:20Imagine you save 500 euros every month and achieve an average annual return of 7%.
03:26A perfectly realistic scenario in a broadly diversified market.
03:30You will find that the path to your first million is not linear.
03:33Reaching the first 220,000 euros takes 18.5 years in this scenario.
03:38That's a very long time, and many give up at this point because progress seems too slow.
03:43But this is precisely where the error in thinking lies.
03:45To reach the first half million, i.e. 500,000 euros, you will need about 28 years under these conditions.
03:52And now comes the kicker.
03:54To go from 500,000 to one million euros, you don't need another 28 years, but only...
04:00about 9 years.
04:01Yes, you heard right.
04:03You can reach the second half of a million in less than a third of the time it took for the first half.
04:08You needed it.
04:09In total, it only takes about 37 years to reach one million.
04:14And 18.5 years is indeed exactly half of 37 years.
04:18Thus, a professor arrives at the statement that 220,000 is half a million.
04:23This is the magic of compound interest, which is often referred to as the eighth wonder of the world.
04:26In the beginning, your money works slowly for you.
04:29But over time, when your interest itself generates interest, growth accelerates exponentially.
04:35Your money starts working for you.
04:37And always faster and more effectively.
04:39The biggest mistake almost everyone makes is giving up too soon.
04:43They fail to see that most of the growth will only take place in later years.
04:47Once you understand this, you're a huge step ahead of many others.
04:51And now there is a third, perhaps the most important lesson, that my professor taught me.
04:56And she explains why your painstakingly saved money actually melts away like ice in summer.
05:01Statement 3. The return on gold and silver is the loss of our purchasing power.
05:06This statement may sound negative at first, but it contains the fundamental truth about precious metals and our financial system.
05:14Many people view gold and silver as investments that yield high returns.
05:18But my professor explained to me that the true return on precious metals does not lie in an increase in value,
05:24but in maintaining purchasing power in times of inflation and currency devaluation.
05:28Gold and silver do not produce cash flow. They pay no interest, no dividends.
05:33From a purely rational and logical point of view, the value of tangible goods cannot increase.
05:37Because the matter always remains the same.
05:39If I leave an ounce of silver for a year, it's still the same ounce.
05:44The same applies to a house that I buy and leave standing for five years.
05:47That's supposed to increase in value? Highly unrealistic.
05:50No, their value does not increase because they become more productive,
05:53but because the paper money in which we measure their value is losing value.
05:57Imagine that, 100 years ago you could buy a good tailored suit with one ounce of gold.
06:02Today, 100 years later, you can still buy a good tailored suit for an ounce of gold.
06:06The amount of gold hasn't changed, but the amount of paper money has.
06:09The price you have to pay for this suit or for an ounce of gold has increased drastically.
06:14This is the loss of our purchasing power.
06:16Again, tangible assets do not increase in value. They simply cannot.
06:20They only cover the loss of purchasing power.
06:23Inflation is a creeping expropriation of your money.
06:26Every year, your savings lose value if they are not working and keeping pace with inflation.
06:31Precious metals serve as a kind of insurance against loss of purchasing power.
06:34They are a tangible asset that has proven its intrinsic value over centuries.
06:38because it has intrinsic value, while currencies come and go.
06:42The price increase of gold and silver is therefore not primarily a gain for the metal itself.
06:46but rather a reflection of the loss of purchasing power of our fiat currency.
06:50Tangible assets preserve your wealth rather than increasing it in the sense of interest and dividends.
06:55This is the crucial difference you need to understand in order to protect your assets in the long term.
07:00These three statements have changed my view of the financial world forever.
07:03Let me summarize them for you again.
07:06Firstly, you are already investing in silver, whether you want to or not, through the products you use daily.
07:12Secondly, the power of compound interest is exponential, and you can reach the second half of a million in a fraction of a time.
07:19the first.
07:20So stay tuned.
07:21And thirdly, gold and silver are not return-on-investment machines in the classical sense.
07:25but preserve your purchasing power.
07:27A protective measure against inflation.
07:29And they also clearly show you how high the inflation actually is.
07:33If you haven't internalized these truths, you have an invaluable advantage on your path to financial freedom.
07:39What is your biggest takeaway from the video?
07:42Which statement moved you the most?
07:44Write it in the comments, I'll reply to each one.
07:48If you don't want to miss any more exciting videos on the topic of financial education,
07:52Then subscribe to the channel now.
07:54And if you now want to see what silver price I consider realistic in the long term,
07:58Watch this video.
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