Morgan Housel - The Psychology of Money, Picking the Right Game, and the $6 Million Janitor

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  • Опубликовано: 21 ноя 2024

Комментарии • 150

  • @timferriss
    @timferriss  8 месяцев назад +2

    Brought to you by AG1 all-in-one nutritional supplement drinkag1.com/tim
    Show notes: tim.blog/2022/03/01/morgan-housel-the-psychology-of-money/

  • @akki11ify
    @akki11ify 2 года назад +15

    If you look at the window it's day and by the time they finish recording it's night . That's how long they spoke for just love these guys.
    Morgan is just phenomenal , a clean and a uncluttered mind

  • @snehilsinghal6312
    @snehilsinghal6312 2 года назад +159

    Warren Buffett vs. Jim Simons. [06:43]
    What do people get wrong about the partnership between Warren Buffett and Charlie Munger? [13:45]
    The size is the strategy. [16:59]
    Six years after writing his “Financial Advice for My New Son” article for The Motley Fool, are there any points Morgan would add or amend? [20:27]
    While there’s no way of knowing what kind of adults our kids will grow up to be, how might we instill in them the value of money and the ability to control how it affects their lives? [23:43]
    What unorthodox career decision did Morgan’s father make in his 30s, and how did the family’s life change as a result? How did earlier lessons of frugality give Morgan’s parents more options later on than their more steadily affluent peers? [28:28]
    How Morgan’s career path meandered from Denny’s greeter to investment banker to reluctant writer. [34:18]
    After finally hitting his stride as a writer at The Motley Fool, what compelled Morgan to join the Collaborative Fund team? [42:15]
    What’s a Markel and how did Morgan get involved with it? What was it hoped he could bring to the table there? [49:07]
    How does Morgan approach risk? [56:32]
    What “fin tweet” game is Morgan playing, and what are the rules? Who are the top players in this space, and what makes them worth your attention no matter the medium? [58:59]
    Investors Morgan respects - even if he wouldn’t try to emulate them. [1:03:33]
    Don’t beat yourself up too badly if you’ve ever been gamed by the market. Even Warren Buffett still makes mistakes. But would his younger version have made the same decisions he makes today? What made the early days of the pandemic such an uncertain time for even the most seasoned investors - Buffett and Housel alike? [1:09:37]
    Sometimes it’s the counterintuitive bets that elevate an investor into deity or demigodhood in the pantheon of the money-minded - whether it’s Benjamin Graham, Walt Disney, or Michael Moritz. [1:19:11]
    Notes on leverage and the “buy, borrow, die” approach to investing, and making sense of conflicting, diametrically opposed advice from seemingly intelligent, rational parties with differing opinions. [1:28:37]
    Sometimes peace of mind matters more than profit. [1:33:44]
    Is it better to be an antediluvian penny pincher who dies rich, or a high-roller who casts fistfuls of dollars into the sea only to pass away penniless? Maybe the middle ground is healthier than either extreme. [1:36:01]
    How does Morgan recommend someone of means ensure their children don’t grow up to be horrible, entitled, and generally useless to society? [1:40:13]
    Biographies and memoirs Morgan recommends (and what they can teach us about current events). [1:48:19]
    How can you increase the likelihood that you will not respond in moments of panic by doing what cripples you financially? Morgan weighs in. [1:52:26]
    In Morgan’s experience, how does someone who comes into money effectively allow themselves to enjoy it without succumbing to the all-too-common temptation to sink it all under a mountan of status symbols nobody really cares about? For his own part, what does his financial comfort allow him to enjoy, and how does he scratch the itch when he’s pestered by such temptations? [1:57:27]
    Preparing for financially bumpy long hauls, and “understanding the difference between a fee and a fine.” [2:07:15]
    A handful of journalists and writers Morgan would choose as trusted informants in a world without Twitter or in-depth news sources. [2:10:37]
    Morgan’s hall of fame for books about investing and finance, and how Dan Gardner’s book The Science of Fear has made him think about fear. [2:17:02]
    Morgan’s advice for helping someone (like me) regain a regular cadence of writing if COVID or other life interruptions have derailed such efforts, and a glimpse into what his own writing process looks like. [2:19:18]
    Tolerance for petty annoyance as a valuable life skill. [2:25:48]
    How did training as a competitive ski racer prepare Morgan for USC and, eventually, a world-class writer for The Motley Fool? [2:30:53]
    What does Morgan think is true, but is actually just good marketing? [2:39:17]
    What looks unsustainable, but is actually a new trend we haven’t accepted yet? [2:40:57]
    What has been true for decades that will stop working, but will drag along stubborn adherence because it has such a long track record of success? [2:43:50]
    Which of our current views would change if our incentives were different? [2:45:46]
    What are we ignoring today that will seem shockingly obvious in a year? [2:48:11]
    Money is not spreadsheets. It’s dopamine and cortisol. [2:49:06]
    Thoughts on near-future innovations both frightening and fascinating. [2:50:10]
    Websites Morgan thinks are worth your while. [2:55:23]
    Stories or points in The Psychology of Money Morgan wishes people paid more attention to. [2:57:39]
    Parting thoughts. [2:59:02]

  • @jackskellingtron
    @jackskellingtron 2 года назад +16

    I love Morgan's attitude of empathy and humility:
    "Maybe that's my fault as a writer, and I should have explained it better..."
    "Maybe I would be a better writer if I had some kind of stricter process, but this is what works for me..."
    I'm thrilled he's getting notoriety.

  • @Nicoandthepage
    @Nicoandthepage 2 года назад +102

    I am an hour in and I just now take a look and see that this podcast is 3 hours long... BEST. FEELING. EVER. Thank you for another incredibly interesting podcast Tim!

    • @charliesmusic270
      @charliesmusic270 2 года назад +2

      Same boat. 1 hour in. 2 hours left. What the…

    • @MorganhouseI
      @MorganhouseI Год назад +2

      Thank you for watching this video. I am looking at preaching the news of community more often.

  • @chrisalmighty
    @chrisalmighty 2 года назад +7

    This interview is the best gift Morgan Housel has given to us who follow his writing and thought perspective on life in general. Thanks Tim and Morgan

  • @teamvigod
    @teamvigod 2 года назад +8

    Awesome interview. Ferris and Housel is a fountain of wisdom. Amazing six months in just 100,000 views. This interview is one of the top most valuable hidden gems in behavioral finance and investing. Morgan’s book is timeless gold as are his blog posts.

  • @danamarie7359
    @danamarie7359 2 года назад +30

    This was an extremely enjoyable interview to watch. Tim is an excellent interviewer and Morgan is very eloquent and knowledgeable. Thank you both.

  • @Faralizoh
    @Faralizoh 2 года назад +3

    Some points you mentioned, it's already in my life running my days and nights but I would never have thought those as positive ones until I heard you on this podcast.. it really feels good ! The Jim Simon vs Warren Buffet expression is therapeutic for those who believe more is better. Kudos to you for this food of thought!

  • @AmanKumar-et7rw
    @AmanKumar-et7rw Год назад +4

    One of the best podcasts ever. Listening to the both of you talk was like going through an insightful book.

  • @RunwithSung
    @RunwithSung 2 года назад +17

    I think this was one of the best interviews you did regarding finance and also broadly about what a good or successful life means. Thank you Tim!

  • @chrisalmighty
    @chrisalmighty 2 года назад +2

    Morgan is something else. He writes with clarity and simplicity 👌🏾. I have followed him ever since I came across him

  • @fashion4point0
    @fashion4point0 2 года назад +3

    This is the one time I didn’t regret clicking on a 3 hour long podcast! Great video

  • @Pcgerente
    @Pcgerente 2 года назад +4

    Morgan Housel is such a brilliant thinker, his book is awesome. Great guest.

  • @johnmccauley5767
    @johnmccauley5767 2 года назад +1

    This Housel interview was phenomenol! I have read numerous stoic and philosophic books over the years, his discussions of money helps me lead my spending of time . Time is our greatest money.
    Thank you for the most engaging moments of my month.
    Is he writing another book?
    John McCauley

  • @JayFairbrother
    @JayFairbrother 2 года назад +9

    Excellent discussion, guys! I've been a big fan of Morgan's ever since he was at the Motley Fool. The Psychology of Money is one of the best books I've read in the past year, financial or otherwise!

  • @peteweishaupt
    @peteweishaupt 2 года назад +6

    “History is a constant chain of surprises.”

  • @Jeanwang4
    @Jeanwang4 2 года назад +1

    I read The psychology of money last year,and lately the stock market in mainland China is insane.... Trying to read this book again and find some consolation in books 😂😂😂. Very enjoyable interview! Thanks to both of you~

  • @didafm
    @didafm 2 года назад +1

    I agree with everything he said. This podcast should be mandatory for all Guys in their 20s and 30s to listen too

  • @lairdgarvin1170
    @lairdgarvin1170 2 года назад +1

    As an old time MKL/BRKA shareholder I'm really happy to listen to this interesting interview. On a technical point relative to mortgages. The right decision for an affluent person, relative to financing a home, is to "not" finance since a financing decision should be made while comparing similar risk free rates. The confusion is that many amateur practitioners compare home financing rates to investment hurdle rates which dont really apply. While I could bore the reader with the details, Mr. Ferris could merely interview Lawrence Kotlikoff. To summarize, loan rates are 2.8% and risk free treasuries are 2.24% so one would go with cash. The other point is if you are like many people and you have a $1MM mortgage and a $5MM stock portfolio you have unwittingly geared your equity portfolio.

  • @DeepSukhwani
    @DeepSukhwani 2 года назад +6

    I think Buffett's liquidating his airlines portfolio during Mar 2020 crisis is often misunderstood. In fact during the following Annual meeting he himself clarified his thought process which made a lot of sense.
    His thought process is that when the govt looks at an airline having a very wealthy large shareholder they are much more likely to get that large shareholder to jump in to bail out the airline vs they themselves bailing out the airline. And buffett is not comfortable being pushed into bailing an airline at that stage or for that matter being pushed into anything.
    We often look at things through one lens but what I have noticed is that our lens is often limited by our own imagination and thought process which is often very puny specially when its about judging someone else's actions as we don't know what all run's through that someone else's mind given the experiences they have had in the past and the obligations/fiduciary duties are feel obliged to fulfill now.
    For Buffett specifically, each time I have tried to judge this man with my lens of the world, I have only been made to feel more humble about my abilities and outsized by his ability and world view.

  • @upgradedbrain
    @upgradedbrain 2 года назад +2

    Some misunderstandings on Buffett from Housel. For example, in around 1:11:00 he says that even Buffett panic sells and uses airlines as an example. Buffett sold because he thought there was a chance that the government would ask its rich shareholder Berkshire Hathaway to bailout the airlines and that wasn’t a risk he was willing to tolerate for his shareholders.

  • @sharonwyus1
    @sharonwyus1 Год назад

    Thanks for the interview, Morgan and Tim!
    Can anyone who has read the book share if the interview content covers most of the book?

  • @Gabrielle..
    @Gabrielle.. 2 года назад +23

    Good video Ferris. Alternatively, perhaps you think you’ve been doing all the right things but you still haven’t quite figured out how to use the Law of Attraction to get money. You need to be positive to actually attract things you want. The law of attraction is one thing, having the belief that you can actually attract what you want. Belief is key to everything we do in life. Everything we do in life comes with planning. I’m not here to convince anybody about anything..

    • @lordviraj
      @lordviraj 2 года назад

      I totally agree with you, the financial (stocks) market is the most profitable venture I ever invested in, I reached my goal of $500k yearly trade earnings. Setting realistic goals is an essential part of trading . I had help from an expert anyways😃

    • @c.moeller
      @c.moeller 2 года назад

      Truly mate! I started making money (maximum gains) when Williams T. Kevin started managing my investment. he enjoys teaching Investment strategies to students to empower them to successfully trade stocks, currencies, futures and options . after developing his own proprietary trading strategy. I became the head-trader at his company so that he could share his passion of technical analysis and day trading with the rest of the world.

    • @RDavid.
      @RDavid. 2 года назад

      Wow I trade too and it’s highly lucrative. I personally think it’s best to have guided strategies of a professional instead of going out bad and making the wrong investing decisions. How do I get in touch with this said professional of yours?

    • @c.moeller
      @c.moeller 2 года назад

      @@RDavid. Earnwithkevin.

    • @RDavid.
      @RDavid. 2 года назад

      Thanks for the recommendation, will reach out to him immediately.

  • @thomasferradini3549
    @thomasferradini3549 2 года назад +2

    Just realised that the guy has been holding a microphone by hand for the entire 3 hours of interview - that's tough ahaha
    (Incredibly insightful thanks Tim for making me discover this super interesting man!)

  • @Historyteacheraz
    @Historyteacheraz 11 месяцев назад +1

    Great video and interview of a great author. Another good investing book is A Teenager’s Guide on how to Invest Like Warren Buffett and Charlie Munger.

  • @hrhsophiathefirst4060
    @hrhsophiathefirst4060 2 года назад +4

    Such a great podcast, I thoroughly enjoyed the Psychology of Money and this interview revealed why!

  • @AlejandroSalgadotx
    @AlejandroSalgadotx 2 года назад +5

    Looking forward to reading the book. Thanks again.

  • @PortfolioAutomotive
    @PortfolioAutomotive 2 года назад +3

    A must listen for everyone… period.
    Thank you for sharing! 🥂

  • @jobkiruhi259
    @jobkiruhi259 2 года назад

    Morgan is a great communicator and full of wisdom

  • @vaughanmoody
    @vaughanmoody 2 года назад

    Wow. I’m 80 minutes in and have to say this interview is so good. Commenting to say that, and also for the algo, to give my little boost where I can.

  • @LXBalla4414
    @LXBalla4414 2 года назад

    His book has really impacted me.
    Really changed how I perceive money and value.

  • @WA_YT
    @WA_YT 2 года назад +1

    I'm 40mins in and honestly this is such a good talk.

  • @charithagunasekara1927
    @charithagunasekara1927 Год назад +2

    This was an extremely enjoyable interview to watch

  • @gugabelger88
    @gugabelger88 2 года назад

    Probably the best podcast I have ever seen...

  • @gabriel_augustob
    @gabriel_augustob 2 года назад +2

    One of the best episodes for sure

  • @damssen3234
    @damssen3234 2 года назад +8

    buffet addressed why he sold airlines. it wasn’t fear. he knew with berkshire (and it’s massive war chest) standing behind the airlines, the government would have acted very differently towards them. he was protecting his shareholders from hippies.

  • @pawel_guzewicz
    @pawel_guzewicz 11 месяцев назад

    Phenomenal podcast episode! Thank you so much, both of you!

  • @MukeshChhabra
    @MukeshChhabra 2 года назад +1

    Loved every bit of it, just like the book.
    Tim has such amazing questions.

  • @Matt-gf4gd
    @Matt-gf4gd 2 года назад +1

    What a great episode! Just bought Morgan's book. Thanks Tim!

  • @Silvertestrun
    @Silvertestrun 2 месяца назад +1

    Thank you!

  • @Auronintheforest
    @Auronintheforest Год назад

    Wow 18 month ago you made an amazing accurate predictions on drone wars and AI!
    Well done….

  • @DadWisdomBites
    @DadWisdomBites 2 года назад

    Didn't think I had time for 3 hours. But here I am at the end.

  • @AmilcarSilvestre
    @AmilcarSilvestre 2 года назад

    One of the best talks that I’ve watched on RUclips. Thank you guys!

  • @rodrigovinhas4650
    @rodrigovinhas4650 2 года назад

    It’s one of The best episodes ever. Thank you Tim!! 🙌🏻🙌🏻🙌🏻

  • @sabisp007
    @sabisp007 2 года назад

    One of the best interview of tim..

  • @ryanimal011
    @ryanimal011 2 года назад +4

    Can someone explain why they both said paying off your mortgage is technically (on a spreadsheet) a bad financial decision? (But one that gave them both comfort).

    • @albert_kempowillenborg1707
      @albert_kempowillenborg1707 2 года назад +4

      Its math vs behavior. Its good behavior and rewarding to pay off. Math wise, the money used to pay off could have generated more $ investing it. Could have.

    • @stachowi
      @stachowi 2 года назад +2

      One less thing to worry about and when you have money peace of mind is worth more than having more money…

  • @pataleno
    @pataleno 2 года назад

    Superb podcast listened to every minute. Bravo Tim

  • @tigreytigrey8537
    @tigreytigrey8537 Год назад +1

    Morgan housel: "no one looks at the guy driving the nice car, no one cares. They just want to imagine themselves in the car"
    Also morgan housel: 2:35:17 "that guy driving the rolls royce is so cool!"

  • @frankli7848
    @frankli7848 11 месяцев назад

    The man who solved the market

  • @akki11ify
    @akki11ify 2 года назад

    You took a long time to bring him Tim but a great job anyway !
    Thanks for this .
    Love Morgan

  • @MyLatinLife
    @MyLatinLife 2 года назад +2

    Thanks Tim!!

  • @BinanceUSD
    @BinanceUSD 4 месяца назад

    The guy who had the sports car is cool because he created the money to have that car. Its not easy. You have to admire that.

  • @charliesmusic270
    @charliesmusic270 2 года назад

    Damn, this is A+ quality podcast, even from Tim, thanks guys!

  • @SergioRaya
    @SergioRaya Год назад

    Man, this is a great episode.

  • @anitapaul7267
    @anitapaul7267 Год назад

    An epic episode. You are both wise men!

  • @michaelschasteen2407
    @michaelschasteen2407 2 года назад +1

    Thank you, guys, for the great talk

  • @bobbullethalf
    @bobbullethalf 2 года назад +2

    Great interview and some wise words!

  • @JamesSmithGrattan
    @JamesSmithGrattan 2 года назад

    Fantastic insights on the importance of emotions over brains in investing. The writing tips were also stellar. Thanks, Tim/Morgan!

  • @Cinerouquine
    @Cinerouquine 2 года назад

    What a fascinating conversation. Again. :)

  • @ashdinbharucha
    @ashdinbharucha 2 года назад

    I have used Graham’s techniques and formulae and NOT failed.

  • @RunwithSung
    @RunwithSung 2 года назад +1

    Liking this before starting.. Morgan is a gem! Thank you for this episode

  • @sirjanasubba845
    @sirjanasubba845 2 года назад

    thoroughly enjoyed listening to you guys.

  • @tarunnarang9701
    @tarunnarang9701 2 года назад

    Such a positive interview

  • @victorv9500
    @victorv9500 2 года назад

    There is an interesting telling that I have came across many times. Business man comes to fisherman & explains how can he expand his fishing business only to come to the pace where he already is, fishing peacefully & spending time with his family. Maybe this compounding thing is reasonable if we prolong out longevity drastically, otherwise I want to enjoy life today, tomorrow & in the month, not in 30-50 years…

  • @adamserfozo
    @adamserfozo 11 месяцев назад

    Can someone pls link the website that Morgan recommends that aggregates financial news? I can't find it in the show notes or the video. Thanks!

  • @barbbrazes869
    @barbbrazes869 2 года назад

    Great episode! Thanks!

  • @YSFmemories
    @YSFmemories 2 года назад

    the story of the vanderbilts sound very much like a story in one of the four great chinese classics; hong lou meng, or red chamber of dreams

  • @jrp6313
    @jrp6313 2 года назад

    Jim Simmons? Wow... Need to look him up

  • @breft3416
    @breft3416 2 года назад +2

    I think that one of the things America has lost is the facilities that housed the people that could not handle "normal" society life. Most of the time you committed yourself (not that there weren't abuses). Every city had them. In the seventies they were abandoned in favor of not spending money, personal freedoms and medication. And the streets. I think more than one of society's ills today (incarceration, homelessness, drug use) are a result.

  • @nathaliebasile6168
    @nathaliebasile6168 5 месяцев назад

    Amazing 🤩

  • @BTCSowhat
    @BTCSowhat 2 года назад +1

    Loved This

  • @jannie629
    @jannie629 2 года назад

    SO EXCITED FOR THIS!!

  • @dmdyahiya214
    @dmdyahiya214 2 года назад

    Great video

  • @rajvadheraju3568
    @rajvadheraju3568 2 года назад

    I am an hour in, felt like 10 mins!

  • @rhc287
    @rhc287 2 года назад

    19:42 the hell you know what im thinking

  • @therealjohnnyb2151
    @therealjohnnyb2151 2 года назад +1

    Alright Ferriss...I gotta know...who is this friend that makes the "deliberate decisions" that told you to pay off the mortgage? Seems like this fellow would have a great story to tell. (My guess: KR?)

  • @srsrinath
    @srsrinath 2 года назад

    2:37:00 very humble

  • @justincrasi4638
    @justincrasi4638 2 года назад

    this is gold

  • @SweeneyDaniel1
    @SweeneyDaniel1 2 года назад

    Heads up your allform link is slightly broken!

  • @adk12357
    @adk12357 2 года назад

    great stuff

  • @TheEtrepreneur
    @TheEtrepreneur 2 года назад +1

    As for man, his days are like grass;
    As a flower of the field, so he flourishes.
    When the wind has passed over it, it is no more,
    And its place acknowledges it no longer.
    But the lovingkindness of the Lord is from everlasting to everlasting on those who fear Him,
    And His righteousness to children’s children.
    To those who keep His covenant
    And remember His precepts to do them.
    Psalm 103 : 15 - 18

  • @stoicismcore
    @stoicismcore 2 года назад

    Super!

  • @vasili851
    @vasili851 2 года назад +1

    What's the name of the book of the children who spent 400 billion?

  • @cassyblaise6048
    @cassyblaise6048 5 дней назад

    Interesting

  • @amanahmed6057
    @amanahmed6057 2 года назад

    i am reading psychology of money

  • @deadpool_saying
    @deadpool_saying 2 года назад

    you can skip questions and directly go to the responses :-) ....

  • @mylor1066
    @mylor1066 2 года назад +1

    Leverage.
    If you are smart you don't need it.
    If you are dumb you shouldn't use it.
    1hr 26m

  • @johnsarti9565
    @johnsarti9565 2 года назад

    The reason that Buffett sold the airlines was because he was worried that they would of got screwed out of the Govt handouts if Brk held a significant position

  • @bachatainfluence8479
    @bachatainfluence8479 2 года назад

    Merci

  • @SamuelBSR
    @SamuelBSR 2 года назад

    1:29:49 It might be rational in some cases. Sometimes countries fight one another and if you as an investor ended up with stocks of your country's enemy country (or enemy alliance), you might loose your assets. The enemy country might use foreign investments (including yours) as a weapon in an economic warfare. This happened with foreign investors, who invested in Russian stocks and with Russian investors who invested in US stocks. This might happen between US and China as well.

  • @caseykittel
    @caseykittel 2 года назад

    16:20. You mean to tell me there’s no “debt obligations” type of spread sheet. Come on.

  • @veugeler72
    @veugeler72 2 года назад

    There's a joke in there somewhere about old board members and macular degeneration and their lenses being foggy

  • @melaneehenderson3760
    @melaneehenderson3760 2 года назад +1

    Ok I’m like what you are educating- but really you both accumulated a certain wealth but let’s talk about reality for an average investor. Give us some reality tips

  • @Eternal_Truth8
    @Eternal_Truth8 5 месяцев назад

    2:23:00

  • @serenemary873
    @serenemary873 2 года назад

    2:09:56

  • @ryancrownholm
    @ryancrownholm 2 года назад +1

    I usually speed up these videos to 1.5X but no need with Morgan....lol

  • @abelflores1929
    @abelflores1929 6 месяцев назад

    Nobody saw it coming 😂😂😂😂

  • @LRG53
    @LRG53 2 года назад

    @:29:00

  • @accqpqp2339
    @accqpqp2339 2 месяца назад

    33:00