Charlie Munger : "If You're 50 With Less Than $500K - This Will Terrify You" скачать в хорошем качестве

Charlie Munger : "If You're 50 With Less Than $500K - This Will Terrify You"

If you're fifty years old with less than five hundred thousand dollars saved, the math is terrifying. I'm ninety-nine years old, and I've watched thousands of people hit fifty thinking they had time—only to realize at sixty-five that retirement is impossible. This isn't about judgment. This is about cold, hard numbers that most financial advisors won't show you until it's too late. By the time you finish this video, you'll understand exactly why being fifty with less than five hundred thousand dollars puts you in serious danger—and more importantly, what to do about it starting today. 🎯 WHAT YOU'LL LEARN: → Why five hundred thousand dollars at fifty leaves you eight hundred thousand dollars SHORT of a basic retirement → The terrifying math behind the "twenty-five times rule" that most people ignore until it's too late → Real comparison: Two people at fifty with similar savings, one retires comfortably at sixty-five, the other works until seventy-five (the difference will shock you) → Maria's comeback story: How she went from ninety thousand dollars at fifty to one point seven million at sixty-five → The brutal truth about Social Security and why it only covers thirty-five percent of your actual needs → Why your fifties are the most financially dangerous decade of your life → Ten specific actions you must take THIS WEEK if you're behind (not generic advice—concrete steps) 📊 REAL EXAMPLES COVERED: • David's story: Fifty years old, four hundred seventy-five thousand dollars saved, thinks he's fine—the math proves he'll run out of money at seventy-three • Richard's story: Same age, slightly more saved, makes five critical changes—retires comfortably at sixty-five with money lasting until ninety-five • Maria's remarkable turnaround: Ninety thousand dollars at fifty, facing financial disaster, implements the comeback plan, retires with one point seven million at sixty-five 💡 KEY LESSONS: → The "magic number" formula: Why you need twenty-five times your annual expenses, not what financial magazines tell you → Healthcare reality: Average couple needs three hundred fifteen thousand dollars JUST for medical costs in retirement → The fifteen-year window: Why ages fifty to sixty-five are either your salvation or your financial death sentence → Catch-up contribution power: How to legally shelter an extra seven thousand five hundred dollars per year after fifty → Side income acceleration: Real strategies that add one thousand to three thousand dollars monthly without quitting your job → The pension replacement gap: What happened to retirement security and why YOU must fill this void yourself ⏱️ TIMESTAMPS: 👥 WHO THIS IS FOR: ✓ Anyone between forty-five and fifty-five who feels behind on retirement savings ✓ Professionals earning good income but with less than five hundred thousand dollars saved ✓ People who've been focused on mortgages, kids' educ