La Ardilla Inversora

Data & Analytics

[Boring_Business @BoringBiz_]

Big believer in the idea that only a handful of decisions determine your entire life. The rest is all just noise

The big decisions are generally:
1. who you marry
2. what career path you go down
3. saving and spending habits
4. how you take of your body and exercise
5. who you spend time with (friends)

If you get these 5 right, it’s really hard to go wrong in life

[Sahil Bloom @SahilBloom]

Your entire life will change the day you realize discipline is the highest form of self-respect. It’s choosing what you want most over what you want now. It’s keeping your word. It’s an act of service to your future self.

[Sahil Bloom @SahilBloom]

Everyone needs to hear this…

[Joseph Carlson @joecarlsonshow]

My biggest mistakes in investing have been exactly what Charlie Munger has highlighted: having a "willingness to bet heavily when the odds are extremely favorable"

Even when I realized Netflix was almost certainly going to be successful while others doubted, I still was hesitant to put much capital into it, I bought more, but very cautiously.

That's why I plowed a ton of money into Google when I finally came to the conclusion they were fine. Now Google is my biggest winner by a decent margin.

Having a great edge on a stock (realizing something will happen before wall street does) doesn't happen that often, so when it does, make the most of it.

[Kevin Dahlstrom @Camp4]

Listen to me:

I’m 54. I’ve been to the mountaintop, both literally and figuratively. I’ve run harder than most, for longer than most, and learned all the lessons (usually the hard way).

Here are 7 things that really matter:

1) Family
In a world gone crazy, it’s all we have. Find a good partner, get married, have kids—you’ll never know true love until you hold your own child. Burn the boats and go all in. Make family your top priority—not just in words, but with action. Want to change the world? Start at home.

2) Fitness
Humans are made to move. Hard physical labor is the cure for most of society’s ills. Work up a good sweat every day—it doesn’t matter how—and watch your life improve in every way. Your body is your only vessel for life’s journey, so treat it accordingly.

3) Nature
Humans have been around for 300,000 years, and only in the past century have we retreated indoors—living under artificial light, breathing recycled air. We evolved to live in harmony with nature—if you’re not spending time in nature and getting lots of fresh air and sunshine, you’re fighting biology (spoiler: you won’t win) and missing out on the best this world has to offer.

4) Helping
It’s the only thing we can do that defies the laws of physics: when you give energy to others, you don’t lose it—you gain more. Helping others is the best way to help yourself. Conversely, negative energy—even if it’s just a snarky comment on X—drains both you and them. Over time, it manifests in a very real way—in your health, your relationships, and even the way you look.

5) Creation
Consumption without creation is an empty existence. Each of us has an innate desire—and need—to make our own small dent in the universe. Art can take many forms—what’s yours? If you’re not creating beauty in the world, you won’t find lasting happiness.

6) Mastery
There’s nothing more satisfying than finding a pursuit that brings you joy and pursuing mastery over a lifetime. It’s a journey, not a destination. Even the simplest of pursuits teach us profound lessons about life. And the best part is: when you find your pursuit, you’ll also find your tribe.

7) Spirituality
Let’s start from first principles: the only thing we know for sure is that we know nothing of the mysteries of our universe. Literally… on a universal scale, the sum of all human knowledge rounds to zero. We’re sacks of meat, limited by five senses, inhabiting a speck of dust. The Bible is clear about this:

“As the heavens are higher than the earth,
so are my ways higher than your ways
and my thoughts than your thoughts.”

Christian or not, it seems obvious that there’s something greater out there—something beyond our comprehension. To believe otherwise is to suffer from an extreme lack of imagination. Think big thoughts. Seek truth.

I’ll leave you with a sobering truth:

Modern society pushes us away from these seven things. More than ever, people live isolated, sedentary, indoor, selfish, soulless, transactional lives.

What are you doing to be different?

[Ignacio @Ignaciopdr]

Se habla mucho sobre si somos más ricos o más pobres que antes

El INE lleva publicando los datos casi 20 años y parece que nadie los mira, así que aquí hoy vemos:

¿Cuánto gastamos de media al año?
¿Gastamos más en ocio que antes?
¿En qué gastamos más? ¿En qué menos?

Vamos allá

[La Ardilla Inversora @ardillainv]

@madrid_invest Quiero la guía

[EmpireED @EmpireEd]

How to Pay Yourself First in Life :

[Kimi @Kimi_WCH]

Dado que quiero estudiar periodismo y he vivido esta DANA en primera persona he decidido traeros un hilo con todos los archivos que he recopilado de la tragedia, cosas que no veréis en otros medios y que creo que ayudará a la gente a ver la situación en la que se encuentran los pueblos afectados.

RT se AGRADECE

[Finanzas en Acción 🚀 @BuscandolaLF]

¡Lo prometido es deuda! 🎉 Ya tenemos todo listo para enviaros el fichero. Si estás interesado, ¡síguenos y haz RT o comenta en este post! 💬 Te lo enviaremos por MD 📨

🚨Esto es solo el comienzo, ¡seguimos con las sorpresas! 🤑📈🚀
Espero que os guste, aquí os dejo un avance⬇️

[Ross Harkness @THEROSSHARKNESS]

Be delusional.

[Unamuno 📜 @UnamunoAgain]

Hola, me llamo Miguel, soy un pequeño artista que vive en Zamora y hago ilustraciones como estas. Cuesta 0 euros hacer RT y la verdad es que me ayudaría mucho, gracias 🥺🥺🥺

[Emérito/Numantia Patrimonio @foso_defensivo]

No gastes para parecer rico.
Ahorra para serlo.

[La Ardilla Inversora @ardillainv]

@dinerosinfiltro Los Manueles (imprescindible croquetón), Los Diamantes (pescado), Entrebrasas (carne)

[La Ardilla Inversora @ardillainv]

@la_autonoma_ Me lo puedes mandar? No me deja enviarte DM. Gracias!

[La Ardilla Inversora @ardillainv]

@la_autonoma_ Yo también vivo en Málaga! :)

[La Ardilla Inversora @ardillainv]

@alc2022 In what order? 😬

[From Growth To Value @FromValue]

DCA ON STEROIDS!

Dollar-cost averaging or DCA is very powerful, but I make it even more powerful by using it 'on steroids.' This is how I do this ↓

I invest money every two weeks. When the market is 'normal' (is it ever really?), I invest my regular amount, let's say $1,000 (which is called X in the visual).

If the market is down 10% from its previous high, I invest 20% more every two weeks, so $1,200. That happens once a year on average. Once the price reaches -5%, I return to normal.

If it's down 15% → I invest 30% more, so $1,300 every two weeks. This happens every two years on average.

Down 20% → 50% more, so $1,500.
Down 25% → 75% more, so $1,750.
This happens every 4 years on average, making it already a rarer occasion.

If the market is down 30% or more, only happening every decade on average, I invest as much as I can, doubling my bi-weekly contributions.

There are three sources the extra money comes from:
1. Frugality: I am more frugal in these periods, and I postpone buying certain things. I know that my reward will be higher, so this is not a big sacrifice to me.
2. The second step is not adding to my emergency fund anymore. I set aside money to have at least 12 months of expenses. That makes me more antifragile.
3. If there is a big drop, I even take money from the emergency fund, although I never let it go under 4 months of expenses.

That happened in 2022, for example. I was at 11 months of expenses when the market dropped so much (the Nasdaq was down 35%) so I took from my emergency fund to invest more.

Right now, I'm back to 'normal', which also means I'm contributing to my emergency fund again to grow it back to my 12-month goal.

Do you like this approach?
How do you do this? Let us know in the comments!

Invest on steroids and get even better investing results!

P.S. I never use leverage!

[Nudista Investor @NudistaI]

Mi propósito para 2024 es hacer cada día una cosa que…

1. Mejore mi estado físico.
2. Mejore la relación que tengo con mi familia y amigos.
3. Me acerque al f*ck you money.

Una sola cosa. Cada puto día. Todos los días. 1095 acciones. Sin excusas.

[Ezequiel Aranda @earandasaez]

Key takeaway of this 2023: Happiness = your perception of the events of your life – your expectations of how life should behave 🤞