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(rhythmic instrumental music) 2

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Welcome to the complete 3

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personal finance course, and thank you. 4

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Please, ask me as many questions as you want to during 5

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and after you take this course because I am here 6

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24 hours a day, seven days a week forever to humbly help. 7

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So by the end of this course you will be armed 8

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with many tools that will help you accomplish three goals. 9

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Number one, save more money. 10

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Number two, protect more money. 11

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And number three, make more money. 12

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So this is actually three courses in one. 13

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And there's many exercises in this course, 14

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most of which are in the following spreadsheet 15

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that is attached to this lecture, 16

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which is called the complete personal finance dashboard. 17

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And it's in Excel format, of course. 18

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The purpose of every exercise in this course 19

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is to either help you save more money, 20

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protect your money, or make more money. 21

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And so this course contains no theory. 22

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It's actually based on my work experience, 23

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as I've managed over a billion dollars in my career. 24

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I've also worked for, met with, 25

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and partnered with many billionaires in my career. 26

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I'm certainly not one of them. 27

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And I will share their secrets, 28

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and their best practices with you in order 29

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to humbly help you save, protect, and make more money. 30

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Now, before I worked on Wall Street 31

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at Goldman Sachs, and at a top hedge fund, 32

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and in the venture capital industry, 33

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I used to be a programmer focused on making programs 34

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for the financial services sector 35

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when I worked in tech consulting at Accenture. 36

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And I mention this as I created your attached 37

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complete personal finance dashboard Excel spreadsheet 38

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based on my experience working in the technology sector. 39

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Now, I was actually also a beta tester 40

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for Microsoft on their financial products 41

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in the 1990s, I'm dating myself there. 42

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As such, in this course I will teach you based 43

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on my cumulative experiences, and make it very easy 44

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for you to save, protect, and make more money. 45

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You don't need to have any experience 46

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with Excel or in finance at all to complete this course. 47

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I also want to stress that I made the concepts 48

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in this course generic enough, and helpful enough, 49

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regardless of what country you live in. 50

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This is not a US only course, okay, 51

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this is meant to be used in every country in the world. 52

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And the advice is generic enough to be applied globally. 53

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Okay, so it's important for me to stress that, 54

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as I have students in 195 countries. 55

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Also, tax codes and finance laws change all the time, 56

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but the general concept of personal finance does not. 57

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And it's similar in every single country. 58

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As such, this course will help 59

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you understand everything you need to know 60

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about personal finance from a high level perspective, 61

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regardless of what country you live in. 62

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The concepts of saving, protecting, 63

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and growing money, and compound interest, 64

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and minimizing expenses are universal. 65

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And this will be a lot of fun in this course, so you'll see. 66

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So I've worked and filed taxes, 67

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and set up retirement accounts, 68

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et cetera, in several different countries. 69

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Now, there's well over 100 tips on how 70

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to save much more money in this course. 71

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And if you end up using just one, two, 72

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or three of these 100 save money tips, 73

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then this course has paid for itself over many, many times. 74

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Many companies, I have to stress, try to take as much money 75

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as they can from you through hidden fees and marketing. 76

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And you'll be amazed at how much of your hard-earned money 77

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that you are giving up without even knowing 78

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about it through all these hidden fees. 79

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I want to make sure that this does not happen to you. 80

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Also, everybody has a bias when it comes to money. 81

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Anybody on TV that you see talking about stocks has a bias 82

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because they want you to buy that stock. 83

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Or they're a CEO of a company, 84

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and they're supporting their stock. 85

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So in this course, we're gonna tune out the noise and focus 86

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on how to save money, and also how to protect money. 87

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And you'll be amazed at the power 88

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of compound interest, and the future value of money. 89

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And just how easy it is to protect your hard-earned money, 90

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and make it grow very, very quickly over time. 91

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And in the next lecture, we're gonna discuss how to use 92

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your attached personal finance Excel dashboard file, 93

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and how we can customize this to work 94

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in every single country in the world, if applicable. 95

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As a side note, towards the end 96

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of this course, in this section right here, 97

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I will teach you how to create and customize 98

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the Excel dashboard file included in this course. 99

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In case you wanted to further customize it, 100

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so it can help you save, protect, and make more money. 101

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And I promise you that by the end 102

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of this comprehensive course you'll be much more confident 103

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in your abilities to save, protect, and make money. 104

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So thanks a lot for your commitment 105

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to this journey that we will take together. 106

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And please know, again, that I am here 24 hours a day, 107

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seven days a week, during and after you complete the course 108

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to help you save, protect, and make your money work for you. 109

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Let's begin.