Valuetainment - September 26, 2026


＂Your Emotions Lose Money＂ - Tony Robbins Explains Why Investors PANIC and Sell

Hosted by
Patrick Bet-David
Mentioned
Tony David Walker Sonderling Bitcoin Gano
＂Worse Than a Recession＂ - Tony Robbins Breaks Down Ray Dalio's Warning on U.S. Debt ＂Mormons Figured This Out＂ - Tony Robbins on Why Young Americans Need to Serve

Episode Stats


Length

9 minutes

Words per minute

192.09

Word count

1,738

Sentence count

130


Transcript

Transcript generated with Whisper (turbo).
Hosts, guests, and mentioned names generated with spaCy (en_core_web_sm), reconciled against Wikidata.
00:00:00 Okay, when I sell my business, I want the best tax and investment advice.
00:00:04 I want to help my kids, and I want to give back to the community.
00:00:07 Ooh, then it's the vacation of a lifetime.
00:00:12 I wonder if my out-of-office has a forever setting.
00:00:15 An IG Private Wealth Advisor creates the clarity you need
00:00:19 with plans that harmonize your business, your family, and your dreams.
00:00:23 Get financial advice that puts you at the center.
00:00:26 Find your advisor at igprivatewealth.com.
00:00:30 Let's talk investments.
00:00:30 Question.
00:00:31 So, you know, you said something.
00:00:33 You said $2,500 earlier, right?
00:00:36 Nowadays, when they change it, it can go all the way down to $25,000.
00:00:39 I remember when it used to be a $2,500.
00:00:41 I'm sorry, $2,500.
00:00:42 $25,000 was a number where 10, 15 years ago we were talking about,
00:00:46 my God, I talked to who was the former comptroller general of the U.S.?
00:00:49 David Walker, I think was his name.
00:00:51 And he was working with this one man who was running a portfolio
00:00:57 that you can put $30,000, and that was a big deal.
00:00:59 So $2,500.
00:01:01 Walk me through levels, okay?
00:01:03 I only have $10,000.
00:01:05 I'm making $80,000 a year.
00:01:07 I only have $10,000.
00:01:08 Go to $100,000.
00:01:09 Go to $1 million.
00:01:10 Go to $10 million.
00:01:11 Does it change at all on what you would consider me doing?
00:01:15 And the age I will choose, for the $10,000, put me at $30,000.
00:01:20 For the $100,000, put me at $40,000.
00:01:23 For the $1 million, put me at $50,000.
00:01:25 For $10 million, put me at $60,000.
00:01:27 What do you do with your investment?
00:01:28 The answer is it absolutely should change over time
00:01:31 if somebody gets closer to retirement.
00:01:33 It should be based on the amount of time they have
00:01:35 to be invested in something.
00:01:37 You don't invest in a professional sports team
00:01:39 or Andrel or something like that for a couple of weeks.
00:01:42 You just don't do that.
00:01:43 That's trading.
00:01:44 You can trade Bitcoin if you want to,
00:01:45 but you don't invest long-term for that.
00:01:47 So what I tell everybody all the time
00:01:49 is don't think dollars, right?
00:01:52 Don't think dollars at all
00:01:53 because it's all not relevant.
00:01:55 Only thing that matters is percentages.
00:01:57 So for the $10,000 portfolio, investing 5%, you are going to invest 500 bucks.
00:02:04 Obviously, at $100 million, you're going to be doing $5 million.
00:02:07 The key is to not get tripped up by the dollar amount being what's driving somebody.
00:02:13 Because what happens to that same person, like I remember when I only had 10 grand.
00:02:17 So 10 grand is a whole lot of money to me.
00:02:19 Well, if you got 100 million, 10 grand is not going to move your portfolio one iota.
00:02:23 So you need to make sure that you think in percentages.
00:02:25 And that also removes the emotion from the equation.
00:02:28 What happens to so many investors is they get stuck with the emotion.
00:02:32 Like, oh, I bought NVIDIA.
00:02:33 It went up a little bit.
00:02:34 I got to sell it.
00:02:35 Or it went down a little bit.
00:02:36 I got to get out.
00:02:37 Whatever it may be, that's a bad decision to make.
00:02:40 They need to understand why they own something, size it correctly, and that allows them to stay with it over time.
00:02:47 So that $10,000 investor, you absolutely have room in your portfolio for a lot of things.
00:02:53 I wouldn't probably suggest $2,500 of the 10 to go into something that's not totally liquid,
00:02:59 simply because you might need it. Once you get to $100,000, absolutely you should have
00:03:03 alternative investments in your portfolio. Again, assuming the age that you gave of 40.
00:03:08 And then as you get more and more wealth, you should have a larger and larger percentage
00:03:12 because you don't need as much liquidity. I'll tell you a story. I had a gentleman that literally
00:03:16 started with me in 1992 as an investor. He's now worth well over $500 million. When I started
00:03:23 he was worth like 500 grand okay what a great testimony no i mean obviously i didn't make all
00:03:28 that i understand but was he holding paper or how did he make it from business and obviously
00:03:32 compounding wealth over time and we have done a very good job can i stop you right can you so can
00:03:36 you do me a favor because he said something he said 10 years ago he was worth 400 million and
00:03:40 he had access but not as much as he's got access today sometimes when you're a good earner you're
00:03:45 not a good investor and and i had to shift that mindset and realize look i know how to make money
00:03:50 I don't want to make money.
00:03:51 No, this can really grow.
00:03:53 Of the half a billion net worth that he has today, how much of it came from his exit?
00:03:58 How much of it came from the investment compounding?
00:04:01 Probably about 400 of it came from his business, either through earnings or his exit that he had.
00:04:07 And over 100 million of it came from earnings on his investments over time.
00:04:12 Because obviously a lot of it happened later with his exit.
00:04:14 But the point is, is that he always, always invested the same dollar amount every single time, whether he was worth $5 million, $10 million, $25 million, just as dollars, dollars, not the same percentage.
00:04:29 He just, he was like, in his mind, as it got older, as he got more wealth, he was like, I put a million dollars in everything.
00:04:35 I'm like, dude, you're worth $100 million.
00:04:37 Putting a million dollars now is not a lot of money.
00:04:40 Gets to $250 million.
00:04:42 I'm putting a million dollars in.
00:04:43 Well, that's crazy.
00:04:44 It's not even relevant.
00:04:46 The psychology, going back to what Tony said,
00:04:49 is that he remembers how hard it was to make his first million.
00:04:53 And so he was literally stuck with, I can't do more than a million
00:04:56 because if I lose it, I'm just going to just beat myself up all day long
00:05:00 because I know how much a million dollars is.
00:05:01 He needs this guy if he's got a limiting belief.
00:05:03 Well, he had me, fortunately, because I learned a lot from this guy.
00:05:05 That makes sense.
00:05:06 And so I was able to tell him, look, do this.
00:05:08 Just put 20 basis points of your net worth into this investment.
00:05:11 Now put 40 basis points.
00:05:13 That's a better strategy.
00:05:14 Absolutely.
00:05:14 The percentage.
00:05:16 So if that 30 basis points does have a bad outcome, you know, it's going to stink, but it's not going to be fatal.
00:05:22 So that is the psychology that somebody has to have.
00:05:25 So somebody can do that when they look at the overall percentage of their portfolio.
00:05:29 Maybe it's 10% to begin with.
00:05:30 We talked about with Secretary Sonderling yesterday about 401ks.
00:05:34 There's $14 trillion in 401ks that cannot invest in alternative investments today.
00:05:40 That's about to change.
00:05:41 That's totally changing.
00:05:42 So now you're talking about for these people that are making investments in their 401k, do the right percentage, allow it to grow, get all the tax benefits, et cetera.
00:05:51 But you have to have the psychology of what's the right percentage.
00:05:55 And I know Tony gave earlier, but I just want to remind the audience.
00:05:58 When you look at the results of the family offices, large family offices, endowments, foundations, they have anywhere between 35% and 60% of their net worth in alternative assets, in private assets.
00:06:10 they don't need as much liquidity so they have a larger percentage giving them the opportunity to
00:06:16 make a higher rate of return that's what i would advise anybody along their path to remember by
00:06:21 the way just said okay go ahead i just want to mention the most people's biggest reason for
00:06:27 losing money has nothing to do with the capacity of the investment it's their emotions so they you
00:06:33 know the average year in the last hundred years the market has had a 14 correction at some point
00:06:37 14%. In some areas, it's bigger. But most of those never turned to a 20 or 30. They didn't
00:06:42 turn into bear markets, right? The vast majority did not. But people get panicked. Since they can
00:06:47 push a button, since they have liquidity, they do. And that's how they get in pain. Most people
00:06:51 make money on their own private real estate, their own home that they own. Why? Because they can't
00:06:55 push a button and get rid of it. So a portion of your investments, you should be thinking in terms
00:06:59 of long term. And as a result of that, you're going to have a higher rate of return if that
00:07:04 money is tied up potentially with a place where they're producing greater results, but you don't
00:07:08 have as much liquidity. So that's the balance that has to be found for anybody. Okay. When I sell my
00:07:13 business, I want the best tax and investment advice. I want to help my kids and I want to
00:07:18 give back to the community. Ooh, then it's the vacation of a lifetime. I wonder if my out of
00:07:25 office has a forever setting. An IG private wealth advisor creates the clarity you need with plans
00:07:31 that harmonize your business, your family, and your dreams.
00:07:35 Get financial advice that puts you at the center.
00:07:38 Find your advisor at idprivatewealth.com.
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