Charlie Munger: The 4-Question System That Made Me Billions (I Use This Every Day) скачать в хорошем качестве

Charlie Munger: The 4-Question System That Made Me Billions (I Use This Every Day)

Charlie Munger reveals the simple 4-question decision-making system he's used for over 60 years to make billion-dollar decisions—and how you can use it too. For six decades, Charlie Munger has used the same decision-making framework to evaluate investments, businesses, hiring decisions, and major life choices. The system is so simple that a 10-year-old can understand it. But it's so powerful that it's protected Berkshire Hathaway from catastrophic mistakes while helping identify world-class opportunities. In this video, Munger explains: The 4 simple questions he asks before ANY major decision Why your brain is designed to make terrible decisions (and how to fix it) Real examples of how the system saved billions and made billions How to use this framework for stocks, business, hiring, and life decisions Why most people ignore this system (and what it costs them) The psychology behind why this framework actually works How to apply this immediately to decisions you're facing right now THE FOUR QUESTIONS: Question 1: CAN I UNDERSTAND IT? If you can't explain it to a smart 12-year-old, don't do it. This filters out complexity masquerading as opportunity. Question 2: IS THERE A LONG-TERM ADVANTAGE? What's the competitive moat? What would protect this business if a competitor showed up tomorrow? Temporary advantages don't make you money. Real advantages do. Question 3: IS THE PRICE REASONABLE? Even the best business is a bad deal if you overpay. Price is just as important as quality. Sometimes more important. Question 4: ARE THERE DISQUALIFYING FACTORS? What could go really wrong? What red flags am I ignoring? One big red flag can destroy an otherwise good decision. WHY THIS SYSTEM WORKS: Your brain is powerful, but it's broken. It evolved to survive in a world of tigers and immediate threats, not to make complex decisions about investments and careers. Your brain: Makes decisions too fast (availability bias) Follows the crowd even when the crowd is wrong (herd mentality) Only shows you reasons why you're right (confirmation bias) Falls in love with ideas and ignores red flags (overconfidence) This 4-question system fixes those problems by: Forcing you to slow down Using different parts of your brain (logic vs. emotion) Protecting you from blind spots Making you think like a pessimist (protective) Preventing overconfidence REAL-WORLD EXAMPLES: The Dotcom Crash: Warren and Munger passed on companies everyone else was investing in because they couldn't understand how they'd make money. Most of those companies went to zero. The Boring Business That Won: They bought a business making everyday products nobody got excited about. 50 years later, it's one of their best investments. Boring, reliable, profitable. The Hiring Mistake: Munger once hired someone who lied in an interview. Ignored the red flag. That red flag became a bigger problem later. The lesson: don't ignore red flags. The Crisis Decision: They looked at a major investment that checked all the boxes. But something felt wrong about the credit situation. They passed. Six months later, the financial crisis hit. The investment would have been a disaster. ABOUT CHARLIE MUNGER: Charles Thomas Munger is the Vice Chairman of Berkshire Hathaway. Over his 60+ year career, Munger has helped transform Berkshire Hathaway from a struggling textile mill into one of the world's most valuable and successful companies. Known for his keen observations about human psychology, behavioral finance, and practical wisdom, Munger is considered one of the greatest investment minds of all time. HOW TO USE THIS SYSTEM: Write down the four questions (don't just think about them) Answer each question clearly for a decision you're facing If you can't answer a question clearly, that's usually your answer Get a second opinion - ask someone else the same four questions Remember: If something feels rushed, that's a reason to be MORE careful, not less. #CharlieМunger #DecisionMaking #InvestingFramework #WarrenBuffett #Berkshire #DecisionFramework #InvestingTips #BusinessWisdom #FinancialEducation #MentalModels #CriticalThinking #SmartDecisions #InvestmentPhilosophy #BusinessStrategy #PersonalFinance #FinancialIndependence #MoneyWisdom #InvestingSecrets #CharlieМungerWisdom #HowToMakeBetterDecisions DISCLAIMER: This video is for educational purposes only and should not be considered financial, investment, or legal advice. Past performance is not indicative of future results. The examples used are based on historical events and Charlie Munger's publicly available observations. Every individual's financial situation is unique. You should consult with qualified financial advisors, tax professionals, and legal counsel before making any investment decisions. SUBSCRIBE FOR MORE: Subscribe to this channel for more wisdom from Charlie Munger, Warren Buffett, and other legendary investors.