Charlie Munger: Don’t Pay Off Debt After 60 — Do This Instead скачать в хорошем качестве

Charlie Munger: Don’t Pay Off Debt After 60 — Do This Instead

Is being "debt-free" actually a mistake when you are over 60? While conventional wisdom says to pay off your mortgage before retirement, the late Charlie Munger offered a more sophisticated view: Opportunity Cost. In this video, we analyze why rushing to pay off low-interest debt might be destroying your retirement liquidity. Munger famously believed in "inverting" the problem—looking at how to avoid ruin rather than just following the herd. We break down when it makes sense to hold debt, how to use that capital to generate superior returns (the Munger way), and the specific dangers of being "house rich and cash poor" in your golden years. Stop looking at debt as just a liability. Start looking at it as a tool for leverage, just like Berkshire Hathaway. In this video, you will discover: 🏠 The Mortgage Trap: Why paying off a 3% mortgage when inflation is higher is actually losing you money. 📉 Opportunity Cost Explained: Munger’s golden rule—why every dollar used to pay down debt is a dollar that isn't compounding for you. 🛑 The Liquidity Crisis: The danger of locking all your net worth into your home when healthcare costs and living expenses rise. 🧠 The "Inversion" Mental Model: How to calculate if your debt is "good" or "bad" based on your age and assets. 👇 SUBSCRIBE for more financial wisdom and investing documentaries: 📢 Let me know in the comments: Are you rushing to pay off your house, or are you investing the difference? What interest rate would make you pay it off immediately? #CharlieMunger #RetirementPlanning #DebtFree #MortgageTips #Investing #FinancialFreedom #WarrenBuffett #PersonalFinance #Over60 #OpportunityCost #WealthManagement