My stormy year 2020
Today I’m going to talk a little bit about something that has changed in my investment perspective, it’s more like talking about how my mindset changed in 2021 and how it is positively affecting my life.
In January 2020 I worked for a month for a guy and he didn’t pay me, I had spent his credit card to go to work, eat and anyway, I was counting on his payment to be able to pay the card, but he didn’t pay me and I had to use part of my emergency reserve.
at that moment I decided that I would no longer work as anyone's employee and I started trading on the stock exchange again, at the beginning I was able to profit a lot from the shares thanks to the fall of the stock exchanges in March, I doubled my capital and as it was working I opened a YouTube channel in less a month I managed to reach the 1k subscriber mark and everything was going well.
so I decided to go back to daytrade in future markets and here things start to go wrong. the first month was good, the channel was going very well, everything was going well, so in the third month I had to create a course to sell on youtube, the problem was that I was extremely perfectionist and I was never able to finish creating the classes Always I thought it was bad, the time passed and in the third month I was negative on the daytrade that discouraged me and started to fall like a snowball I started using the money I earned in March to pay the bills, but I couldn't finish the classes.
another month has passed the channel started to grow more slowly I had another negative month in the daytrade relationship problems, pandemic and then in the fifth month I was already in a "bournout" state my head was not working properly the channel was no longer 2k from subscribers I still hadn't finished classes, and with that I was losing money on the daytrade.
there in august 2020 i had a lot of problems, the money was gone i was losing a lot on the daytrade i had not finished classes.
in september i had already finished my emergency reservation and i was paying my bills with a credit card, in the beginning of november i broke my daytrade account i had a debt on my credit card i couldn't make the videos on youtube anymore and i didn't launch my course.
In December I had no money, I had nothing to eat, it was very difficult months until the end of the year, my bills were late, I didn't even have internet at home, I got into a very depressive crisis, and because of pride I didn't want to look for a job. .
In 2021 I decided to completely change my life, I left the market, I got a job in a restaurant during the day and at night I worked to earn money, from Monday to Monday, I started working from 7 am to 11 pm, whether making deliveries at ifood, design for other people and anything that could generate income for me, I started to save all the money and invest in the long term in simple investments looking for little profitability but with security.
In just four months I managed to get my financial life right, my mental health is up to date and my fridge is always full, I started making money from my investments and I am seeing my bank account grow every day. and now I’m relaxed and focused on my goals.
I had to hit rock bottom to wake up and start making the right choices.
And all of that only changed because I stopped thinking about the short term and started to aim for the future, one day at a time doing what needs to be done to pursue my longed-for financial freedom. no crazy strategies to get rich overnight, but going step by step with patience, focus, discipline and self-control. I started to follow easier paths and with a greater probability of success. expose myself less to unnecessary risks and think rationally about each decision, doing the math on paper before acting.
I am still far from my goal, but I take it one step at a time. I hope that in a year I will be able to come back here in this post and see that I am closer to where I want to go.
And my conclusion is: don't be a proud idiot. Because who will suffer the consequences of this is you.
Thanks for reading so far, sorry for the bad English. I felt that I needed to share my story with someone, I never told this to my friends, but I feel like sharing it here with you from the community, thanks for everything and we are going to grow the POB community.
Versão em português
Hoje vou falar um pouco sobre algo que mudou na minha perspectiva de investimentos, é mais um desabafo sobre como minha mentalidade mudou em 2021 e como isso esta afetando minha vida positivamente.
Em janeiro de 2020 trabalhei durante um mes para um cara e ele nao me pagou, eu tinha gastado o cartão de credito para ir pro trabalho, comer e enfim, estava contando com o pagamento dele para poder quitar o cartao mas ele nao me pagou e tive que usar parte da minha reserva de emergencia.
nesse momento decidi que nao iria mais trabalhar de emrpegado para ninguem e voltei a fazer trade na bolsa de valores, no começo consegui lucrar bastante com ações graças a queda das bolsas em março, dobrei meu capital e como estava dando certo comecei um canal no youtube, em menos de um mes consegui atingir a marca de 1k de inscritos e estava tudo dando certo.
então eu decidi voltar a fazer daytrade em mercados futuros e aqui as coisas começam a dar errado. o primeiro mes foi bom o canal estava indo muito bem tudo dando certo, então la pelo terceiro mes eu tinha que criar um curso para vender no youtube, o problema que eu era extremamente perfecionista e nunca conseguia terminar de criar as aulas sempre achava que estava ruim, o tempo foi passando e no terceiro mes fiquei negativo no daytrade isso me desanimou e começou a virar bola de neve fui ultilizando do dinheiro que tinha ganhado em março para pagar as contas, mas não conseguia finalizar as aulas.
mais um mes passou o canal começou a crescer mais devagar eu tive mais um mes negativo no daytrade problemas no relacionamento, pandemia e então no quinto mes eu ja estava em um estado de "bournout" minha cabeça nao estava funcionando direito o canal nao passava dos 2k de inscritos ainda nao tinha terminado as aulas, e como consequencia estava perdendo dinheiro no daytrade.
la por agosto de 2020 eu estava bem encrencado, o dinheiro tinha acabado estava perdendo muito no daytrade nao tinha terminado as aula.
em setembro ja tinha acabado minha reserva de emergencia e estava pagando as contas com o cartao de credito, no começo de novembro eu quebrei minha conta de daytrade tinha uma divida no cartao de credito nao conseguia mais fazer os videos pro youtube e nao lancei meu curso.
Em dezembro nao ja não tinha nada de dinheiro, nao tinha nada o que comer, foram meses muito dificeis ate o final do ano, minhas contas estavam atrasadas, nao tinha nem internet em casa, entrei em uma crise depressiva muito forte, e por orgulho nao queria procurar um emprego.
Em 2021 decidi mudar completamente minha vida, larguei o mercado consegui um emprego em um restaurante durante o dia e a noite eu trabalhava para conseguir ganhar dinheiro, de segunda a segunda, comecei a trabalhar das 7 da manhã as 23 da noite, seja fazendo entregas no ifood, design para outras pessoas e qualquer coisa que pudesse me gerar uma renda, comecei a poupar todo dinheiro e investir a longo prazo em investimentos simples buscando pouca rentabilidade mas com segurança.
Em apenas quatro meses consegui acertar completamente minha vida financeira, estou com a saude mental em dia e minha geladeira esta sempre cheia, comecei a conseguir ganhar dinheiro com meus investimentos e estou vendo minha conta bancaria crescer diariamente. e agora estou tranquilo e focado em meus objetivos.
Eu precisei ir ate o fundo do poço para acordar começar a fazer as escolhas certas.
E tudo isso só mudou por que parei de pensar a curto prazo, e comecei a mirar no futuro, um dia de cada vez fazendo o que precisa ser feito para buscar minha sonhada liberdade financeira. sem estrategias mirabolantes para ficar rico da noite para o dia, mas sim indo de degrau em degrau com paciencia, foco, disciplina e auto-controle. comecei a seguir caminhos mais facil com uma maior probabilidade de acerto. me expor menos a riscos desnessessarios, e pensar racionalmente sobre cada decisão fazendo as contas no papel antes de tomar uma atitude.
Ainda estou longe do meu objetivo, mas sigo em frente um passo de cada vez. espero daqui a um ano poder voltar aqui nesse post e ver que estou mais perto de onde quero chegar.
E minha conclusão é não seja um idiota orgulhoso. Pois quem vai sofrer as consequencias disso é voce.
Obrigado por ler ate aqui. senti que precisava compartilhar minha historia com alguem nunca contei isso nem para meus amigos mas me sinto a vontade de poder compartilhar aqui com voces da comunidade, obrigado por tudo e vamos crescer a comunidade do POB.
I've never tried to start a Youtube channel so I don't know the metrics, but this seems like pretty solid progress for a fresh start on the platform.
Glad to hear that you were able to take back control of your life and put yourself in a stable position, it's not easy. I can relate with you on this a lot.
You'd not believe how many 'rock-bottom' moments I've had in life, lol. If anything, every instance builds character which you'll struggle to replicate in any other way. Keep up the progress bud.
Friday it was a year since I started the channel the last video I posted was on January 19th I managed to reach 3k subscribers. in the beginning the metrics were very good. I found a space where there was a demand for videos and there was no one talking about it, so I used some tools to go up the seo and the audience came spontaneously, so I settled down, I believed that doing the same thing would continue to have the same result, but hype and I couldn't reinvent myself.
Thank you so much man, being in control of your life is a great feeling. let's keep it that way I know it's hard sometimes but what matters is having a routine that keeps you focused on your goals, we are together in this fight.
it is difficult but each time I believe that you have risen stronger and prepared for things. a phrase that saved me from that was ... "when you reach the bottom of the well, you have nowhere else to fall. now just go up."