Investing has been solved, but your brain is keeping you poor. Money Expert Ben Felix explains why most people make terrible financial decisions!

Ben Felix is a Portfolio Manager and Chief Investment Officer for PWL Capital, and evidence-based investing expert who translates academic finance research into practical decisions for everyday people. He is known for using data, behavioral science, and simple frameworks to help people build wealth without falling for the traps of the financial industry.

He explains:
◼️Why investing has already been “solved”
◼️How your brain quietly ruins your long-term financial decisions
◼️Why checking your portfolio too often can make you poorer
◼️Why buying a home is not always the smart investment people think it is
◼️Why young people may not need to save as aggressively as they’re told
◼️How to use money to build a better life, not just a bigger bank account
◼️The biggest financial mistakes that destroys your financial future

00:00 Intro
02:54 Why Most People Overcomplicate Finance
03:57 How Your Psychology Secretly Controls Your Investments
05:26 The Real Frameworks Behind Financial Freedom
07:14 Why You Don’t Need Much Money To Start Investing
09:40 The 10 Money Mistakes That Quietly Keep You Broke
13:17 How Monetizing Your Skills Can 10x Your Income
20:06 Why Most People Never Set Financial Goals
21:10 Are You Spending Money In Ways That Actually Improve Your Life?
21:46 Why Taking Investment Risks Matters More Than You Think
25:48 Is Buying A House Actually A Smart Investment Today?
33:27 Why Young People Are Rethinking Home Ownership
35:11 What Happens If You Delay Buying A House?
36:41 Are Homeowners Really Happier Than Renters?
37:35 Who Should Actually Buy A House
38:41 The Biggest Myths About Home Ownership – Debunked
39:01 What Happiness Data Really Says About Owning Vs Renting
39:53 The Hidden Criteria That Decide If You Should Buy
41:08 Why Common Advice About Home Ownership Falls Apart
42:37 Will House Prices Keep Rising?
44:37 How The Wealthy Legally Pay Less Tax
45:29 The Real Tax Strategies The Rich Don’t Talk About
46:05 What Happens Next To Housing Prices?
47:35 Ads
49:38 The Hidden Problems With Financial Advisors
50:41 Why Ignoring Estate Planning Can Cost Your Family Everything
51:37 Do You Really Need A Will?
52:02 How Your Partner Choice Impacts Your Financial Future
53:18 Why Some Financial Advice May Be Working Against You
54:27 Should Everyone Get A Prenup?
56:41 What Your Spending Habits Reveal About Your Future Wealth
58:24 The Real Reason Prenups Matter More Than You Think
01:00:29 Why People Underestimate Catastrophic Financial Risks
01:01:19 Stocks Vs Bonds: Which Is Actually Safer Right Now?
01:07:40 The Financial Products You Should Avoid At All Costs
01:09:43 Why Cash Loses Value Faster Than You Realize
01:10:58 Ads
01:11:31 Your Cash Under The Mattress Will Lose Value Fast
01:13:53 Do You Really Need A Retirement Plan?
01:15:25 Investments You Should Avoid!
01:17:04 Should You Invest In AI?
01:19:56 Crypto: Opportunity Or Risk?
01:21:45 How War Changes Investing
01:24:36 Remortgage Or Invest: Which Move Builds More Wealth?
01:25:52 Will AI Replace Your Job?

Follow Ben Felix:
Instagram – https://link.thediaryofaceo.com/3Mc4mML
X – https://link.thediaryofaceo.com/5XwRueU
YouTube (Renting vs Buying) – https://www.youtube.com/watch?v=j4H9LL7A-nQ&t=964s
Ben’s Company – https://pwlcapital.com/

Enjoyed the episode? Share this link and earn points for every referral – redeem them for exclusive prizes: https://doac-perks.com

The Diary Of A CEO:
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Smartphones and a marked change to our digital media environment are part of the reason for the demographic shift changing our world, including how low birth rates are shrinking the workforce. Chief data reporter John Burn-Murdoch presents his lastest findings on this challenge faced by most nations

#birthrate #digitaldevices #smartphones #demographics #population

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*Chapters*
=============================
00:00 Intro
01:23 Job & Income
08:00 Bro Owns A House??
10:56 Oh He’s A Simp Too lol
25:00 UUUUHH??
38:20 W Segue From Caleb
48:20 A F*cking HELOC
52:00 Why Are They Always Spoiled By The Parents Too..
01:00:20 CPS Needs To Step In
01:11:45 The Sh*ttiest Excuses Ever
01:18:30 You Can’t Make This Up… ZIPTIES FOR WHAT
01:29:36 Budget!!
01:34:45 Hammer Financial Score
=============================
Want more content?
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🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips

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*Connect with me!*
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TikTok: https://www.tiktok.com/@calebhammercomposer
X: https://x.com/sircalebhammer
IG: https://www.instagram.com/calebhammercomposer/
Facebook: https://www.facebook.com/calebhammercomposer/

=============================
*Want to be a guest on Financial Audit?*
=============================
👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply

*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice.

Sponsorship and business inquiries: business@calebhammer.com

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Twitter for more updates on the market!
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Instagram if you are interested in my lifestyle!
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Telegram for business inquires!
↳ @cryptoroveryt

DISCLAIMERS

1. High Risk: Bitcoin trading is very risky, with 80% of traders losing money. It is advised primarily for experienced traders.
2. Disclosure: I own a diverse cryptocurrency portfolio for transparency. The content here is for general information and not financial advice.
3. No Professional Advice: Opinions expressed are personal and not from a licensed financial advisor. Investing in cryptocurrencies involves a high risk of loss.
4. Public Information: The information presented is publicly sourced and reflects personal viewpoints. Viewers should conduct their own research before making decisions.

#Bitcoin #BTC #Cryptocurrency #Altcoins #Blockchain

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🔗 Entre no grupo exclusivo do Rosário da Madrugada
https://hesed.link/grupo-rosario

👉🏻 Torne-se membro do Exército de São Miguel:

Home

📲 Baixe o Aplicativo Hesed
• Android: https://play.google.com/store/apps/details?id=com.institutohesed.app
• iPhone: https://apps.apple.com/br/app/instituto-hesed/id1624975006

📲 CANAL DO WHATSAPP OFICIAL
https://whatsapp.com/channel/0029VaJAGzxIyPtWAvoEzd1U

——— AJUDE-NOS A CONTINUAR A MISSÃO ———

🙏 Ajude o Instituto Hesed a transformar vidas!

Doe através do PIX: pix@institutohesed.org.br

📌 Conta bancária para doações:
• Banco do Brasil: Ag. 0675-0 | C/c: 106.184-4
• Bradesco: Ag. 2572 | C/c: 318908-2
• Itaú: Ag. 3827 | C/c: 99864-6
• Caixa: Ag. 2558 | C/c: 3338-8 | Operação 003

Doe via BOLETO/CARTÃO
http://doe.institutohesed.org.br/

🌍 Mora fora do Brasil?
Doe via PAYPAL: https://www.paypal.com/donate/?cmd=_s-xclick&hosted_button_id=FHKZ2JN8K7MGQ

——— MAIS SOBRE O INSTITUTO HESED ———

Inscreva-se e seja notificado das nossas lives:
https://www.youtube.com/@institutohesed?sub_confirmation=1

Acompanhe o Instituto HeSed no Instagram:
https://www.instagram.com/irkelly_institutohesed_oficial

🎥 Canal de Cortes do Instituto Hesed:
https://www.youtube.com/c/ExércitodeSãoMiguelInstitutoHesedOficial

🌟 Conheça o Instituto Hesed e o Exército de São Miguel:
https://paginas.institutohesed.org.br/links

📧 Pedido de missão:
https://institutohesed.org.br/pedido-missao

📩 Envie seu testemunho:
WhatsApp: (85) 99921-0295
Email: testemunho@institutohesed.org.br
Ou pelo nosso Aplicativo Hesed

——— 🔴 LIVES DIÁRIAS ———

• Santo Rosário às 4h30
• Pausa para o Café às 6h30
• Santa Missa às 7h30
• Uma hora com São José pelas causas financeiras às 9h10
• Súplica a Santa Rita pelas causas impossíveis às 10h
• Oração para abençoar a sua casa às 11h
• Santo Terço | Novena Milagrosa de Nossa Senhora do Rosário de Pompeia às 12h
• Terço da Misericórdia às 14h20
• Terço do Combate às 19h

#hesedaovivo #institutohesed #rosariodamadrugada #anjos #fe #shorts

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Get the unfiltered memos I send my team as we scale Acquisition.com to $1B+: https://leilahormozi.com/subscribe

If you’re new to my channel, my name is Leila Hormozi.

I’m the founder and CEO of Acquisition.com, where we help ambitious people scale extraordinary companies.

A little about me..

10 years ago:
– Was 100lbs overweight.
– Had $1,000 saved after 19 months of work.

This year:
– We bought our first headquarters here in Las Vegas.
– We grew our holding company team at Acquisition.com to 65 people.

Success is accessible to anyone willing to do the work required.
Big visions never make sense to small-minded people.

If you want to have a greater impact. You’ll have to make greater sacrifices.

My message to you: Don’t let anybody kill your dreams ❤️

Information shared here is for educational purposes only. Individuals and business owners should evaluate their own business strategies, and identify any potentials risks. The information shared here is not a guarantee of success. Your results may vary. Copyright © Acquisition.com 2025.

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MASSIVE MANIPULATION & FRAUD WITH CRYPTO! HAPPENING NOW!

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🔥 BEST EXCHANGE I HAVE EVER USED! TREAT YOU LIKE A KING! 👉 https://bit.ly/austinbydfi

⭐️ GET AUSTIN’S FREE CRYPTO WEALTH NEWSLETTER 👉 https://crypto.austinhilton.net/ytm

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SPONSORSHIP REQUESTS: austinfluence@gmail.com

Join this channel to get access to special perks and benefits:
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✅ ABOUT ME ✅
My name is Austin Hilton and on this channel I teach you about personal finance and crypto investing. I work hard to bring you the latest crypto news, Bitcoin news, and crypto price predictions. I have two goals with this channel – to keep you updated with the latest crypto news today and to help you make more money in crypto.

COMMENT DISCLAIMER: I WILL NEVER CONTACT YOU IN ANYWAY (ON ANY PLATFORM). IF YOU GET CONTACTED BY ANYONE CLAIMING TO BE ME, IT IS NOT ME. FOR EXAMPLE, COMMENTS SHOWING WHATSAPP NUMBERS ARE NOT ME. ADDITIONALLY, PEOPLE HAVE THE ABILITY TO CALL YOU USING AI TECHNOLOGY SO IT SOUNDS LIKE ME. THIS AGAIN IS NOT ME. NEVER WILL I CONTACT YOU IN ANY WAY. PLEASE DO NOT CLICK ON ANY LINKS IN THE COMMENT SECTION BELOW. DO NOT RESPOND OR INTERACT WITH ANYONE ON ANY PLATFORM CLAIMING TO BE ME OR WORKING ON MY BEHALF – THEY ARE SCAMMERS.

DISCLAIMER:
This video is for educational purposes only. Please do your own research before making any decisions with your money. I will not be held liable for any losses or gains you may experience. I am not your financial or investment advisor. This is completely educational content and should be taken as such – the views expressed in the content are opinions. Nothing on this channel should be taken as a recommendation to buy a particular crypto asset. The information shared on this channel is not indicative of future results. Analyses are not absolute and are prone to change in accordance with present and future market events. Please do all of your own research before you buy any cryptocurrency or any financial product.

AFFILIATE LINKS:
Some of the links in this description are paid affiliate links. I will potentially receive a small commission if you click on the links and sign up. Thank you for your support!

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• Artist: LISA
• Song ♫: MONEY
• Album: “LALISA” 1st Single Album
• Released: 21.09.10
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Can you solve this 2021 Polity Previous Year Question (PYQ)? In this video, we test your knowledge on the Finance Commission of India—a key topic for UPPCS and UPSC exams.

The Finance Commission is a constitutional body (Article 280) that gives recommendations on the distribution of tax revenues between the union and the states.

Challenge: Who is the chairman of the 16th Finance Commission? Comment your answer below! 👇

Subscribe for daily Polity PYQs and current affairs shorts.
#PolityPYQ #FinanceCommission #UPSC #UPSCPreparation #Polity #IndianPolity #PYQ #UPSCShorts #currentaffairs #PCS #SSC #GovernmentExams #Constitution #UPSCMotivation #studyshorts #mpsc #bpsc #article280 #shortsfeed #uppcs2026 #yt #ytshorts #ytshortsindia #ytviral #trendingshort #upscprelims #sdm #iaspreparation #ipsias #studyonyoutube #bpsc #prelims2026 #studyonyoutube #uppcspreviousyearquestionpaper #uppcs_prelims #pyqs #thegrittyaspirant

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X (Twitter) – https://twitter.com/CryptooIndia
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#bitcoin #BitcoinAnalysis #BitcoinNews

DISCLAIMER

The Information provided on, from or through this channel is general in nature and is solely for educational purposes. The generic market recommendations provided by us are based solely on our personal judgment and should be considered as such. You’re advised to enter into any transactions relying on your OWN judgment. Any market recommendations provided by us are generic only and may or may not be consistent with the market positions or intentions of our channel and/or our affiliates. Any opinions, news, research, analyses, prices, or other information contained on this channel are provided as general market commentary, and do not constitute an investment advice. All information contained herein should be independently verified and confirmed. We do not accept any liability for any loss or damage whatsoever caused in reliance upon such information or services. Please be aware of the risks involved with any trading done in any financial market. Do not trade with money that you cannot afford to lose.

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