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/

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#KNCNTRT #VERNЫЙ

V $ X V PRiNCE – MONEY (Lyrics)
ПРИПЕВ:
Если мы вместе… (Ююю)
Как черви с крести! (Ююю)
Летим под 200… (Ююю)
Одно и то же каждый день!
Тут дело чести – Деньги!!!
Money, Money, Money…
Money, Money, Money…
Money, Money, Money…
Money, Money, Money…
Money, Money, Money…

1 – КУПЛЕТ:
Деньги поднимай, деньги поднимай бро!
20, 10, 5, 2 или касарь бро…
Папа тоже хочет сына одеть в Nike бро!
Деньги поднимай и много не базарь бро…
Деньги поднимай, деньги поднимай бро!
20, 10, 5, 2 или касарь бро…
По любому это дело не бросай бро!
Деньги поднимай и много не базарь бро…
День и ночь, день и ночь купюры…
Деньги мощь! Я хочу целую фуру!
День и ночь, день и ночь купюры…
Липнут руки, липнут всякие дуры!
День и ночь, день и ночь купюры…
Руки прочь от моей Хип-Хоп культуры!
День и ночь, день и ночь купюры…
Липнут руки, липнут всякие дуры!

ПРИПЕВ:
Если мы вместе… (Ююю)
Как черви с крести! (Ююю)
Летим под 200… (Ююю)
Одно и то же каждый день!
Тут дело чести – Деньги!!!
Money, Money, Money…
Money, Money, Money…
Money, Money, Money…
Money, Money, Money…
Money, Money, Money…

2 – КУПЛЕТ:
Хорошие ребята-та-та, Плохие манеры…
Коплю на Мэрсэдэс, не играю в миллионера…
Я знаю даже дурка не излечит мои нервы!
Всё что успокоит, чтоб они кричали VERNЫЙ!
Сёдня богатый фуршет, завтра заточу шаверму…
Обножают своё тело с первой встречи стервы…
Весь из дешёвый BullShit штопается как консервы…
Если надо Делай! Если быть то Первым!
Я знаю людей! Тех кто упали…
Они продавали всё за медали!
Я знаю детей! Без комментариев!
Папы не было у них, они мечтали!
Я знаю блядей! Кем они стали?
Скольким пацанам их души продали?!
Я знаю людей! Всех кто упали…
А вы думали что в сказку попали?!
Я знаю людей! (Ююю)

ПРИПЕВ:
Как черви с крести! (Ююю)
Летим под 200… (Ююю)
Одно и то же каждый день!
Тут дело чести – Деньги!!!
Money, Money, Money…
Money, Money, Money…
Money, Money, Money…
Money, Money, Money…
Money, Money, Money…
Если мы вместе… (Ююю)
Как черви с крести! (Ююю)
Летим под 200… (Ююю)
Одно и то же каждый день!
Тут дело чести – Деньги!!!

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Broiler – Money (Broiler remix)

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Broiler:
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🎧 Pop – http://bit.ly/CBBPOP
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😱 Bass – http://bit.ly/CBBbass
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Video by Austin:
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TimeStamps:
00:00 Intro
00:28 Kevin Warsh Senate Hearings – Bitcoin & Rate Cuts
05:59 US Military Testifies that Bitcoin is A Matter of ‘National Security’
08:48 Trading Bitcoin – The Bear Flag
10:06 Ethereum News – Arbitrum Freezes $71M ETH in Exploit

***********************************************************************
#Bitcoin #Cryptocurrency #News #Ethereum #Invest #Metaverse #Crypto #Cardano #Binance #Chainlink #Polygon #Altcoin #Altcoins #DeFi #CNBC #Solana

***NOT FINANCIAL, LEGAL, OR TAX ADVICE! JUST OPINION! I AM NOT AN EXPERT! I DO NOT GUARANTEE A PARTICULAR OUTCOME I HAVE NO INSIDE KNOWLEDGE! YOU NEED TO DO YOUR OWN RESEARCH AND MAKE YOUR OWN DECISIONS! THIS IS JUST ENTERTAINMENT! USE ALTCOIN DAILY AS A STARTING OFF POINT!

Bitunix, WEEX, Binance are exchange partners for the channel.

*The channel is not responsible for the performance of sponsors and affiliates.

Disclosures of Material holdings:
Most of my crypto portfolio is Bitcoin, then Ethereum, but I hold many cryptocurrencies, possibly ones discussed in this video.

Material holdings over $5000 (in no particular order): BTC, ETH, SOL, DOT, SUPER, LINK, INJ, METIS, BNB, LMWR, WMTx, HEART, BORG, COTI, ADA, ONDO, SUPRA, CELL, CTA, COOKIE, RSC, ATH, TAO.

This information is what was found publicly on the internet. This information could’ve been doctored or misrepresented by the internet. All information is meant for public awareness and is public domain. This information is not intended to slander harm or defame any of the actors involved but to show what was said through their social media accounts. Please take this information and do your own research.

bitcoin, cryptocurrency, crypto, altcoins, altcoin daily, blockchain, best investment, top altcoins, altcoin, ethereum, best altcoin buys, bitcoin crash, xrp, cardano, 2026, ripple, buy bitcoin, buy ethereum, bitcoin prediction, cnbc crypto, bitcoin crash, cnbc, crypto news, crypto crash, crypto expert, best crypto, crypto today, bitcoin price, bitcoin crash, bitcoin ta, crypto expert, fox business crypto, ethereum news, trading crypto, crypto crash, clarity act, crypto bill, cnbc crypto, kevin warsh, senate hearing, fed chair, rate cuts

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▶️ Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/apply
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These are some fun words: Caleb Hammer, financial audit, Graham Stephan, Dave Ramsey, Ramsey Show, George Kammel, Rich Dad Poor Dad, Podcast, Budgeting, Investing, Stock Trading, IRA, Roth IRA, 401k, health savings, HSA, 403b, college costs, student loans, debt, snowball, avalanche, pension, retirement, financial independence retire early.
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The Clarity Act faces new uncertainty after the House of Representatives canceled its late September session.

The House of Representatives has officially canceled the final two weeks of the September calendar. This scheduling shift creates immediate procedural hurdles for the progress of the Clarity Act, which many in the sector hoped would see movement before the end of the month.

Lawmakers are prioritizing time back in their districts for campaign activities, leaving the future of pending US crypto bill legislation in limbo. We examine why these delays matter for the broader landscape of crypto regulation and what this signals for potential legislative timelines heading into the final quarter.

Subscribe for weekly market breakdowns, and share your thoughts on whether this delay impacts your outlook on the sector in the comments below.

━━━━━━━━━━━━━━━━━
🔗 Contact
▸ Telegram: https://telegram.me/Crypto_Sensei_Team
▸ Email: partnerships@cryptosensei.net
▸ Socials: https://linktr.ee/Crypt0Sensei
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🔴 Full Legal & Regulatory Disclaimer
▸ https://docs.google.com/document/d/1T_wTsSkXDZqdgKDUOKfIEKF-a7ur2kX8gw-e3aAq_Q4/edit?usp=sharing

#XRP #Ripple #Crypto #Blockchain #CryptoNews #xrpledger #xrpnews #cryptocurrency #altcoins #blockchaintechnology #cryptotrading #ripplexrp #xrpholders #xrparmy #xrptoday #xrpupdate #cryptosensei

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Do you want financial freedom? #finance #business #Bangladesh #Bangla #shorts #fyp #reels

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Versan Aljarrah explains why market-cap math fails for XRP — settlement inventory isn’t priced like a meme coin.

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=============================
*Chapters*
=============================
00:00 Intro
02:00 Jobs & Income
05:40 Everything Is NOT Okay
07:35 Bros Hiding COLLECTIONS From Her??
10:33 They / Them Are Kinda Gay Apparently
12:55 Hes Paying For An AI Girlfriend…
17:40 Nothing Of Value Was Said lol
26:20 Ah Yes, The Good Ol’ Anime P**n
28:38 They Can’t Even Afford Diapers..
30:30 Brother Is Not Catching A Break lol
31:42 He’s Literally Speechless
33:30 Bro Ran Away..
37:25 Hes Breaking Down In The Green Room
45:45 That’s Very Proactive Of Her, Surely It Won’t Go Wrong!!
52:00 This Is ACTUALLY A Financial Audit First.. Stolen Valor.
59:00 HE CANT EVEN KEEP THE LIES STRAIGHT
01:08:00 They Only Had $8 In Their CASHAPP Checking Account lol
01:11:00 Weaponized Incompetence.
01:18:49 Collections Left And Right, There’s So Many…
01:23:24 Budget!!
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*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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