Valuetainment - September 26, 2026


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

Hosted by
Mentioned
"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

125


Transcript

Transcript generated with Whisper (turbo).
Hosts, guests, and mentioned names generated with spaCy (en_core_web_sm), reconciled against Wikidata.
00:00:00.040 Okay, when I sell my business, I want the best tax and investment advice.
00:00:04.800 I want to help my kids, and I want to give back to the community.
00:00:07.940 Ooh, then it's the vacation of a lifetime.
00:00:12.200 I wonder if my out-of-office has a forever setting.
00:00:15.740 An IG Private Wealth Advisor creates the clarity you need
00:00:19.060 with plans that harmonize your business, your family, and your dreams.
00:00:23.480 Get financial advice that puts you at the center.
00:00:26.440 Find your advisor at igprivatewealth.com.
00:00:30.000 Let's talk investments.
00:00:30.940 Question.
00:00:31.840 So, you know, you said something.
00:00:33.880 You said $2,500 earlier, right?
00:00:36.020 Nowadays, when they change it, it can go all the way down to $25,000.
00:00:39.260 I remember when it used to be a $2,500.
00:00:41.580 I'm sorry, $2,500.
00:00:42.700 $25,000 was a number where 10, 15 years ago we were talking about,
00:00:46.060 my God, I talked to who was the former comptroller general of the U.S.?
00:00:49.720 David Walker, I think was his name.
00:00:51.440 And he was working with this one man who was running a portfolio
00:00:57.020 that you can put $30,000, and that was a big deal.
00:00:59.420 So $2,500.
00:01:01.040 Walk me through levels, okay?
00:01:03.440 I only have $10,000.
00:01:05.840 I'm making $80,000 a year.
00:01:07.760 I only have $10,000.
00:01:08.840 Go to $100,000.
00:01:09.940 Go to $1 million.
00:01:10.920 Go to $10 million.
00:01:11.920 Does it change at all on what you would consider me doing?
00:01:15.820 And the age I will choose, for the $10,000, put me at $30,000.
00:01:20.400 For the $100,000, put me at $40,000.
00:01:23.180 For the $1 million, put me at $50,000.
00:01:25.580 For $10 million, put me at $60,000.
00:01:27.420 What do you do with your investment?
00:01:28.400 The answer is it absolutely should change over time
00:01:31.560 if somebody gets closer to retirement.
00:01:33.180 It should be based on the amount of time they have
00:01:35.660 to be invested in something.
00:01:37.300 You don't invest in a professional sports team
00:01:39.440 or Andrel or something like that for a couple of weeks.
00:01:42.180 You just don't do that.
00:01:43.260 That's trading.
00:01:44.140 You can trade Bitcoin if you want to,
00:01:45.440 but you don't invest long-term for that.
00:01:47.640 So what I tell everybody all the time
00:01:49.300 is don't think dollars, right?
00:01:52.340 Don't think dollars at all
00:01:53.440 because it's all not relevant.
00:01:55.360 Only thing that matters is percentages.
00:01:57.440 So for the $10,000 portfolio, investing 5%, you are going to invest 500 bucks.
00:02:04.780 Obviously, at $100 million, you're going to be doing $5 million.
00:02:07.380 The key is to not get tripped up by the dollar amount being what's driving somebody.
00:02:13.160 Because what happens to that same person, like I remember when I only had 10 grand.
00:02:17.100 So 10 grand is a whole lot of money to me.
00:02:19.140 Well, if you got 100 million, 10 grand is not going to move your portfolio one iota.
00:02:23.840 So you need to make sure that you think in percentages.
00:02:25.800 And that also removes the emotion from the equation.
00:02:28.380 What happens to so many investors is they get stuck with the emotion.
00:02:32.060 Like, oh, I bought NVIDIA.
00:02:33.980 It went up a little bit.
00:02:34.700 I got to sell it.
00:02:35.360 Or it went down a little bit.
00:02:36.300 I got to get out.
00:02:37.820 Whatever it may be, that's a bad decision to make.
00:02:40.580 They need to understand why they own something, size it correctly, and that allows them to stay with it over time.
00:02:47.320 So that $10,000 investor, you absolutely have room in your portfolio for a lot of things.
00:02:53.400 I wouldn't probably suggest $2,500 of the 10 to go into something that's not totally liquid,
00:02:59.580 simply because you might need it. Once you get to $100,000, absolutely you should have
00:03:03.900 alternative investments in your portfolio. Again, assuming the age that you gave of 40.
00:03:08.220 And then as you get more and more wealth, you should have a larger and larger percentage
00:03:12.180 because you don't need as much liquidity. I'll tell you a story. I had a gentleman that literally
00:03:16.080 started with me in 1992 as an investor. He's now worth well over $500 million. When I started
00:03:23.080 he was worth like 500 grand okay what a great testimony no i mean obviously i didn't make all
00:03:28.100 that i understand but was he holding paper or how did he make it from business and obviously
00:03:32.820 compounding wealth over time and we have done a very good job can i stop you right can you so can
00:03:36.740 you do me a favor because he said something he said 10 years ago he was worth 400 million and
00:03:40.560 he had access but not as much as he's got access today sometimes when you're a good earner you're
00:03:45.780 not a good investor and and i had to shift that mindset and realize look i know how to make money
00:03:50.720 I don't want to make money.
00:03:51.420 No, this can really grow.
00:03:53.100 Of the half a billion net worth that he has today, how much of it came from his exit?
00:03:58.160 How much of it came from the investment compounding?
00:04:01.620 Probably about 400 of it came from his business, either through earnings or his exit that he had.
00:04:07.760 And over 100 million of it came from earnings on his investments over time.
00:04:12.040 Because obviously a lot of it happened later with his exit.
00:04:14.460 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.
00:04:29.420 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.
00:04:35.660 I'm like, dude, you're worth $100 million.
00:04:37.880 Putting a million dollars now is not a lot of money.
00:04:40.960 Gets to $250 million.
00:04:42.220 I'm putting a million dollars in.
00:04:43.900 Well, that's crazy.
00:04:44.920 It's not even relevant.
00:04:46.480 The psychology, going back to what Tony said,
00:04:49.400 is that he remembers how hard it was to make his first million.
00:04:53.260 And so he was literally stuck with, I can't do more than a million
00:04:56.920 because if I lose it, I'm just going to just beat myself up all day long
00:05:00.560 because I know how much a million dollars is.
00:05:01.660 He needs this guy if he's got a limiting belief.
00:05:03.460 Well, he had me, fortunately, because I learned a lot from this guy.
00:05:05.580 That makes sense.
00:05:06.000 And so I was able to tell him, look, do this.
00:05:08.840 Just put 20 basis points of your net worth into this investment.
00:05:11.860 Now put 40 basis points.
00:05:13.380 That's a better strategy.
00:05:14.660 Absolutely.
00:05:14.980 The percentage.
00:05:16.360 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.
00:05:22.900 So that is the psychology that somebody has to have.
00:05:25.560 So somebody can do that when they look at the overall percentage of their portfolio.
00:05:29.120 Maybe it's 10% to begin with.
00:05:30.960 We talked about with Secretary Sonderling yesterday about 401ks.
00:05:34.720 There's $14 trillion in 401ks that cannot invest in alternative investments today.
00:05:40.280 That's about to change.
00:05:41.300 That's totally changing.
00:05:42.320 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.
00:05:51.820 But you have to have the psychology of what's the right percentage.
00:05:55.220 And I know Tony gave earlier, but I just want to remind the audience.
00:05:58.420 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.
00:06:10.960 they don't need as much liquidity so they have a larger percentage giving them the opportunity to
00:06:16.560 make a higher rate of return that's what i would advise anybody along their path to remember by
00:06:21.200 the way just said okay go ahead i just want to mention the most people's biggest reason for
00:06:27.000 losing money has nothing to do with the capacity of the investment it's their emotions so they you
00:06:33.100 know the average year in the last hundred years the market has had a 14 correction at some point
00:06:37.920 14%. In some areas, it's bigger. But most of those never turned to a 20 or 30. They didn't
00:06:42.520 turn into bear markets, right? The vast majority did not. But people get panicked. Since they can
00:06:47.060 push a button, since they have liquidity, they do. And that's how they get in pain. Most people
00:06:51.900 make money on their own private real estate, their own home that they own. Why? Because they can't
00:06:55.820 push a button and get rid of it. So a portion of your investments, you should be thinking in terms
00:06:59.860 of long term. And as a result of that, you're going to have a higher rate of return if that
00:07:04.280 money is tied up potentially with a place where they're producing greater results, but you don't
00:07:08.240 have as much liquidity. So that's the balance that has to be found for anybody. Okay. When I sell my
00:07:13.720 business, I want the best tax and investment advice. I want to help my kids and I want to
00:07:18.260 give back to the community. Ooh, then it's the vacation of a lifetime. I wonder if my out of
00:07:25.320 office has a forever setting. An IG private wealth advisor creates the clarity you need with plans
00:07:31.560 that harmonize your business, your family, and your dreams.
00:07:35.380 Get financial advice that puts you at the center.
00:07:38.340 Find your advisor at idprivatewealth.com.
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