# You're 28 Minutes Away From Never Being Broke Again

**Autor:** Alex Hormozi  
**Durată:** 28:02  
**Link:** https://youtu.be/6BQ3whjWG3M  
**Data salvare:** 2026-02-27  
**Tags:** @work @growth #investing #skills #compounding #entrepreneurship #learning-budget

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## TL;DR

Alex Hormozi argumentează că obiectivele financiare sunt prea mici pentru că ignori inflația. $1M în 50 ani = doar $170k putere de cumpărare. Soluția: 4 strategii - (1) crește venit, (2) cheltuiește mai puțin, (3) investește mai repede, (4) **investește în skills** (cel mai important!). $2,000 investiți într-un skill pot genera $35k/an extra PERMANENT. Hormozi a trăit ultra-frugal dar a cheltuit tot pe învățare (tutoriale, coaching, evenimente $30k+). "Skills = bridge", fiecare piesă contează. "Give 6h to get 1h from expert = worth it". Budget lunar pentru învățare = 1-10% din venit.

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## 📌 Puncte cheie

### Problema: Inflația distruge savings-ul clasic

- **$1 din 1975 = $6.20 astăzi** (6x în 50 ani, și conservativ!)
- Sfat clasic: Salvează $100/lună de la 18 la 67 ani → $1M la pensie
- **PROBLEMA:** Acel $1M = doar **$170k putere de cumpărare** (adjusted pentru inflație)
- Dacă vrei $4M când te pensionezi → de fapt ai nevoie de **$24M**
- Mesajul principal: **Rethink goals cu inflația în minte**

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### Compounding în ambele sensuri (CRITICAL!)

**Forward compounding (bun):**
- $1,000 astăzi (la 18 ani) = **$80,000 în 50 ani**
- Fiecare $1 economisit azi = **$13 când te pensionezi**

**Reverse compounding (rău):**
- $80k în 50 ani = doar **$13k în dolari de azi**
- $500 belt astăzi = **$40k în 50 ani** ($6,500 în dolari azi)
- Lease auto $500/lună x 3 ani (total $18k) = **$234,000 când te pensionezi**

**Diferența critică 18 vs 28 ani:**
- Start la 18 ani: **compounding 80x**
- Start la 28 ani: **compounding 33x**
- **Pierderea ultimilor 10 ani = diferență MASIVĂ**
- **Tinerii au TIMP** (asset-ul pe care bătrânii nu-l mai au)

**Quote cheie:**  
> "$1,000 today, if you're 18 years old, is $80,000 in 50 years. Every dollar you save today is worth $13 when you retire."

> "The difference of that last 10 years of compounding when you start at 18 versus starting at 28 is the difference between a 33x and an 80x."

---

## 🎯 Cele 4 strategii

### 1. Increase Income (cel mai important!)

- **Extra $1,000/lună investit = $10M la pensie**
- "There's zero between you and making nothing, **infinite above**"
- Side hustles: flipping stuff online, content creation (AdSense), affiliate marketing
- **$1,000/lună pare puțin DAR:** În 50 ani = $10M

**Quote:**  
> "You just have to make more. That's the only thing strong enough to break the cycle."

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### 2. Stop Spending So Much

- $500 belt = **$6,500 când te pensionezi** (40k în 50 ani)
- Lease auto 3 ani = **$234k pierdut**
- "Pregame harder, get soda with lime" (la club)
- **Nu trebuie să flex când ești tânăr** - toți cei mai în vârstă au oricum mai mulți bani (au avut timp să acumuleze)

**Quote:**  
> "Just because you make half as much or a third as much as you want to make right now, it doesn't mean that those dollars aren't worth more to you."

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### 3. Save Faster (3 metode)

**Metodă 1: Watermark**
- Ex: $5k în cont obligatoriu
- Tot ce e peste $5k → investit automat

**Metodă 2: Invest First (PREFERAT de bogați!)**
- Ex: $2k/lună investit OBLIGATORIU
- Trăiești pe rest
- "I'm going to go make that money to get that investment rather than take it out of what I got"

**Metodă 3: Increase Over Time**
- Ajustează pentru inflație (3%/an)
- Ajustează pentru creșterea earning power

**Observație:** Hormozi nu a inclus inflația în modelele lui → Dacă adaugi 3%/an creștere, ajungi la obiectiv MAI RAPID

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### 4. Invest in SKILLS (cel mai puternic!)

**Scenariul magic:**
- Investești **$2,000** într-un skill (ex: sales training, ads, copywriting)
- Skill-ul îți crește venitul de la **$30k/an → $90k/an** (diferență $60k)
- Post-taxes (US) = **~$75k/an**
- Cheltuieli $2,500/lună ($30k/an) → rămân **$35k/an investabil PERMANENT**

**Rezultat:**
- $3k/lună investit x 50 ani (zero raises, zero new skills) = **$31 MILLION**
- **Asta e doar UN skill!** Imaginează-ți 10 skills...

**Quote cheie:**  
> "$2,000 one time gave you a permanent $35,000 per year increase in investable income. That is how you get the absurd returns that can get you out of the cycle."

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## 🌉 Skills = Bridge Metaphor

**Conceptul:**
- Ești pe **malul trist** (sărac, blocat)
- Banii sunt pe **malul fericit** (libertate financiară)
- Bridge-ul = **collection of skills**

**Problema common:**
- Cumperi skill 1, 2, 3, 4, 5 → "Why can't I get across? Waste of money!"
- **NU e waste!** Bridge-ul e incomplet
- Apoi cumperi skill 6, 7, 8, 9 → "Oh, guy who taught skill 9, that guy is THE TRUTH!"
- **REALITATEA:** Toate skill-urile 1-9 erau necesare. 9 nu merge fără 1-8.

**Spanish 6 Example:**
- Profesor bun la Spanish 6
- TU nu ai Spanish 1-5
- Ești tu prost sau profesorul?
- **Answer:** Lipsa de Spanish 1-5 (skill gaps create different outcomes)

**Quote:**  
> "Was it a waste of money? No. Just like your arithmetic teacher wasn't a waste before algebra. You need stepping stones."

**Problema alternative education:**
- Mulți teachers cunosc doar "Spanish 6" (nișa lor specifică)
- Nu știu/teach "Spanish 1-5" (fundamentals)
- Rezultat: "1 out of 5 get results" → "Everyone else didn't try"
- **REALITATE:** Unii NU au skill-urile de bază necesare

**Mindset corect:**
- "See myself as the asset" → always going up
- **Collector of skills** (Hormozi's mindset)
- Bridge se construiește piesă cu piesă
- Odată complet → banii încep să curgă

---

## 💰 Story personal Hormozi

### Ultra-Frugal Living

**Cheltuieli minime:**
- Protein shakes + Chipotle (mâncare)
- **6 roommates, shared bedroom** (college dorm style)
- Used car 10 years old ($10k cash, zero car payments)
- Doar asigurare mașină (no lease, no payments)
- "Never there anyways, I was working all the time"

**Investiția:**
- **TOT excess cash → learning skills**
- "I almost had no savings for years and years because all my excess cash I just gave to people"

**Quote:**  
> "I lived on basically nothing and I spent all of my money... all my excess cash I just gave to people [for learning]."

---

### The $750/h Tutoring Story

**Context:**
- Hormozi nu știa ads la nivel avansat
- A plătit **$750/oră x 8 ore = $6,000** pentru tutoring 1-on-1
- Profesorul: cineva care FĂCEA ads la nivel înalt (charged $750/h, deci era bun)

**Rezultat:**
- Acele 8 ore l-au învățat ads la nivel expert
- ROI: **sute de milioane de dolari** (literal!)

**Quote:**  
> "Those eight hours, that tutoring, that skill that I was able to learn from that one-on-one tutoring made me hundreds of millions, not just hundreds of millions, literally."

---

### The $30k Event Story (CRITICAL!)

**Setup:**
- Event pentru business owners $10M+ revenue
- Hormozi abia începuse să facă bani ($300-400k/lună, 12 săptămâni înainte = $0)
- "I don't even know if I should be here, I'm definitely not making that"
- Plătea **~$30k** pentru access

**Ce a învățat:**
- Guy #1: "$35M revenue last year" → Hormozi: "WHAT? $35M?"
- Guy zice: "I have a learning budget. Every month, 1-10% of income, I force myself to spend it."
- **Lightbulb moment pentru Hormozi**

**Ce a făcut Hormozi:**
- Income $300k/lună → 10% = **$30k/lună learning budget**
- A crescut ad spend de la $400/zi → **$1,400/zi** (willing to lose money to experiment)
- **Rezultat:** $300k → $480k → $780k → $1M → $1.2M → $1.5M → $1.7M → $2M+/lună în **8 LUNI**

**Quote:**  
> "Part of me literally just being willing to lose the money unlocked my ability to spend more money which scaled the company."

---

### The "Give 6h → Get 1h" Strategy

**Mentalitatea:**
- Hormozi plătea $30k pentru access la high-level community
- **Strategy:** Oferă value MASIV gratuit celorlalți

**Ce făcea:**
- "I'm good at sales. Let me review your sales scripts, your sales calls, your sales process."
- **4-6 ore de muncă gratuită** pentru fiecare persoană
- Oamenii: "Dude, this is way too much. You didn't have to do that."
- Hormozi: "**Of course I didn't have to, but I want to learn what you have.**"

**Logica:**
- Dacă dau 6 ore → primesc 1 oră înapoi
- **DAR:** Ora lor = mai valoroasă decât 6 ore ale mele
- "I already know my stuff. 6 hours is just whatever."
- **Dar 1 oră de la expert = 1 AN de learning compressed!**

**Benefits:**
- Oamenii îl iubeau (over-delivered)
- Primea back 1h tutoring de la experți în diverse domenii
- **"Who's got the best stuff?"** → Ei îi spuneau unde să investească next
- Sărea peste "mess" → mergea direct la best teachers/programs

**Quote cheie:**  
> "Most people are too cheap with their time even though they're poor. You aren't making any money. What else are you doing? Give it to somebody else and they'll probably give you something back."

> "If I gave 6 hours, somebody might give me one. But their one hour was still more valuable... If I get one hour of that guy's time and he could teach me one little thing, I was just a collector of skills."

---

### "Golem of Skills" Mindset

**Mentalitatea colectorului:**
- "Ooh, this guy does affiliate marketing. **I don't even know what that is. Let me go learn.**"
- "This guy does AdSense. Let me compress a year of his learning into 1-2 hours."
- **Zero ego:** "I don't know = opportunity to learn"

**Quote:**  
> "I was just a little golem of skills. I was like, 'Ooh, this guy does affiliate marketing. I don't even know what that is. Let me go learn about that.'"

---

### "If Another Human Can Do It, I Can Do It"

**Revelația din high-level events:**
- Hormozi vedea oameni făcând $35M+/an
- **"These are real people. It took a lot of the magic away."**
- "I don't think they work harder than me."
- "I don't think they're smarter than me."
- **"The work that is required to make more money than me does not require superior intellect."**

**Concluzia:**
- Nu e magie
- Nu e IQ superior
- **E doar: they know more** (au mai multe skills)
- Dacă ei pot → EU pot!

**Quote:**  
> "If another human can do something, I can do it. I don't think they work harder than me. The work does not require superior intellect."

---

## 📚 Unde să găsești skills (Learning Ladder)

### Free ($0 - doar time)

- **School communities** (online, free to join)
- **Forums** (people teaching each other)
- **YouTube** (ex: Hormozi's 8h sales training - complet gratuit)
- **Limitare:** Doar content, fără feedback personalizat

**Quote:**  
> "If you want to learn sales, you can probably go through my sales, I think it's like 8 hours or something like that. It's free. You will get more help and move faster if you have feedback."

---

### Low-Ticket ($10-200/lună)

- **Low-ticket communities** (ex: School, Discord paid groups)
- Aggregated information + some feedback mechanism
- Nu feedback individualizat, DAR vezi alții primind feedback → extrapolezi

**Beneficiu:**
- Cheaper alternative to higher education
- Community already aggregates info for you

---

### Mid-Tier ($500-3k)

- **DIY + feedback** (lower-level coaching)
- Beginning of valuable stuff
- Poate include niște in-person events

---

### High-Ticket ($5k-35k) - UNDE HORMOZI A CHELTUIT CEL MAI MULT

**Ce primești:**
- **In-depth education** + **personalized feedback**
- **In-person events** (networking face-to-face)
- **Access to high-level community** (people way ahead of you)

**De ce e valoros:**
- **Seeing them in person** = "took magic away"
- "They're real people, not geniuses, just know more"
- **Networking at this level** = compressed learning
- Sift through mess: "Who's the best?" → straight to best teachers

**Quote:**  
> "This is kind of just an idea... these sometimes also come with communities. And I think the big thing that really helped me more than anything when I spent this kind of money was getting around people who were way ahead of me."

---

## 🎓 Why People Don't Invest in Skills

**Fear #1: Spending money + not getting anything back**
- "What if I waste $2k and learn nothing?"
- **Hormozi response:** "You will make mistakes... but I think of skill acquisition like a bridge."

**Fear #2: Ego**
- "I don't need anyone's help. I can figure it out on my own."
- **Hormozi response:** "You CAN figure it out. The question is: How long?"

**Fear #3: Uncertainty**
- "I know what I'm giving up (money + time). I don't know what I'm getting (future value)."
- **Hormozi response:** "The game of entrepreneurship is risk and time. Get comfortable with uncertainty."

**Quote:**  
> "I think people don't want to spend money on skills because there's lots of pain on both sides. I know what I'm giving up. I am giving certain money away... for the hope that after I go through failure to learn this thing, I will have something uncertain."

---

### The Reinforcing Loop

**Hormozi's experience:**
- "I was very fortunate that the **first thing I ever spent money on I made more back**."
- Got addicted to **buying money** = trading money for skills that immediately make more money
- **Reinforcing cycle:** Spend → Learn → Earn more → Spend more on learning → Earn even more

**Quote:**  
> "I got very addicted to buying money, basically trading money for skills that I would immediately be able to make more money and increase my income."

---

## 💡 Key Mindsets & Principles

### 1. Time Value of Money (for young people)

- **Tinerii:** Au timp (asset pe care bătrânii nu-l au)
- **Bătrânii:** Au bani + skills (dar nu mai au timp pentru compounding)
- **Concluzie:** Dacă ești tânăr, fiecare $1 contează 80x mai mult
- Nu te descuraja că faci mai puțin acum → timpul compensează

**Quote:**  
> "The thing that really matters that people who are older don't have is you have time. And so the value of the money that you make, even if it's half as much, it doesn't mean that those dollars aren't worth more to you."

---

### 2. Skills > Savings (Early Career)

- **$100k în courses/coaching** > **$100k în higher education** (for real-world skills)
- Alternative education = cheaper + faster ROI
- Speed = time value of money compounding

**Quote:**  
> "I'm convinced that your life would change far more with $100,000 of courses and coaching than $100,000 of higher education."

---

### 3. Effort + Feedback Loop

- **Effort doar** = slow learning (1 loop/week)
- **Effort + feedback** = fast learning (100 loops/day)
- **Artificial environment cu feedback** > real-world feedback (takes too long)

**Example:**
- Hormozi: 20+ in-person sales consults/day x years = expert în sales
- "That kind of exposure, that kind of feedback loop... I got good"

**Quote:**  
> "Effort plus feedback is the loop. If you have feedback only from the environment, you might take very little action. But if you can take lots of action in an artificial environment and get feedback, you can go through 100 loops rather than one a week."

---

### 4. Collector Mentality

- **Nu "expert într-un domeniu"** → **"collector of all skills"**
- Zero ego despre ce nu știi
- "I don't know X" = opportunity, nu shame

**Quote:**  
> "I was just a collector. I was just a little golem of skills."

---

### 5. Give More Than Everyone Else

- **Most people:** Too cheap cu timpul (chiar dacă sunt săraci)
- **Hormozi:** 6h gratuit → 1h expert back
- **Result:** Everyone loved him, shared best resources, accelerated learning

**Quote:**  
> "No one of these things will make you rich. But consistently choosing to invest in learning skills and **giving first** in those communities and **getting as much out as you possibly can by giving more than everyone else** is how I think you'll get whatever you want."

---

### 6. Learning Budget (1-10% din venit)

- **Forțează-te** să cheltuiești lunar pe învățare
- Test new strategies (ex: ads) knowing they might not work
- **Experimentare continuă** = stay ahead

**Story:**
- Guy at event: "I have a learning budget. 1-10% of income. I force myself to spend it."
- Hormozi: Applied it → $30k/lună → scaled $300k → $2M/lună

---

### 7. Speed > Perfection

- **Pay for speed** = Hormozi's philosophy
- Compress 5 years into 1 year = **time value of that learning**
- "I don't know why people don't get this. If people weren't wrong so much, we wouldn't be so rich." (Charlie Munger + Warren Buffett)

**Quote:**  
> "I was just always willing to pay for speed. The time value of money is something that I think people just wildly underestimate."

---

### 8. Consistency > Single Big Win

- **Nu** un singur curs/coach care te face rich
- **Ci:** Consistent investment în skills over time
- Bridge se construiește piesă cu piesă

**Quote:**  
> "No one of these things will make you rich. But consistently choosing to invest in learning skills... is how I think you'll get whatever you want."

---

## 💡 Idei aplicabile pentru Marius

### 1. Learning Budget Imediat

**Action:**
- Calculează 5-10% din venit lunar
- Forțează-te să cheltuiești lunar pe învățare (cursuri, coaching, tutoriale, evenimente)
- **Exemplu:** Dacă faci 20k RON/lună → 1-2k RON/lună learning budget

**Hormozi model:**
- $300k/lună income → 10% = $30k/lună learning
- Testat ads scale → $300k → $2M/lună în 8 luni

---

### 2. Investește în Skills, Nu Doar Savings

**Challenge:** Poate economisești dar nu investești în învățare

**Hormozi:** "$2,000 skill → $35k/an extra PERMANENT = $31M în 50 ani"

**Pentru Marius:**
- Cursul NLP (deja faci!) = PERFECT mindset
- **Next skills:**
  - Content marketing (micro-fame video)
  - Sales psychology (advanced NLP)
  - Automation tools (no-code, n8n, Zapier)
  - Product positioning (branding ROA)

**Întrebare:** "What skill would 10x my business in next 3 months?"

---

### 3. Skills = Bridge - Nu Judeca "Waste of Money"

**Challenge:** Poate ai învățat skills care "nu au dat rezultate imediate"

**Hormozi:** "Spanish 6 nu merge fără Spanish 1-5. Fiecare piesă e necesară."

**Pentru Marius:**
- VFP9 (25 ani) → Oracle → Scripturi migrare → Web interface Vue.js
- **Nu ai "wasted time"** - ai BUILD bridge-ul
- **Next piece:** Content/marketing → completează bridge-ul către clienți noi

---

### 4. Time Value pentru Angajatul Tău (26 ani)

**Challenge:** Angajat nou 26 ani, învață programare + contabilitate

**Hormozi:** "Start la 18: 80x. Start la 28: 33x. Diferența ultimilor 10 ani = MASIVĂ."

**Pentru angajatul tău:**
- Are 26 ani → TIMPUL = asset-ul lui cel mai valoros
- Fiecare skill învățat ACUM = compounding 50+ ani
- **Mesaj:** "Timpul tău de învățare acum valorează 80x mai mult decât peste 10 ani!"

**Pentru tine ca mentor:**
- 10h investite în a-l învăța = el câștigă 1 an compressed
- **ROI:** El devine independent → TU ai timp pentru high-value work

---

### 5. "Give 6h → Get 1h" Networking Strategy

**Challenge:** "Nu caută clienți noi" → poate nu știi cum să networkezi eficient

**Hormozi strategy:**
- Plătește $30k pentru high-level community
- **Give 6h reviewing gratuit** → "Dude, this is way too much!"
- Primește 1h înapoi → 1 an compressed

**Pentru Marius:**
- **Gratuit:** Răspunde la întrebări ANAF pe forumuri/grupuri (2h/săptămână)
- Oferă review gratuit la fluxuri contabile complexe
- **Reacția dorită:** "Wow, e mai mult decât mă așteptam!"
- **Rezultat:** Contabilii îți cer ajutor plătit, recomandări, ROA

**One-to-many version:**
- Tutorial-uri YouTube/LinkedIn (dai 2h creating → 1000x return)

---

### 6. Ultra-Frugal → Invest All Excess

**Challenge:** Poate cheltuiești pe non-esențiale

**Hormozi:** "Protein shakes, Chipotle, shared bedroom, used car. Spent ALL excess on learning."

**Pentru Marius:**
- Nu trebuie extrema lui (shared bedroom!)
- **DAR:** Audit cheltuieli lunare
  - Ce poți reduce cu 20-30%?
  - Economiile → investite în skills sau scaling ROA

**Mindset:**
- $500 cheltuit random = $6,500 la pensie
- $500 investit în skill = poate $35k/an PERMANENT

---

### 7. Collector Mindset - "Golem of Skills"

**Challenge:** Poate fixat pe VFP9/Oracle → nu explorezi alte skills

**Hormozi:** "Ooh, this guy does affiliate marketing. I don't know what that is. Let me learn."

**Skills noi pentru Marius:**
- Content marketing (positioning, SEO)
- Sales psychology (advanced NLP techniques)
- Automation beyond coding (no-code tools)
- Community building (ROA users group)
- Product branding (ANAF Shield™)

---

### 8. "If Another Human Can Do It, I Can Do It"

**Challenge:** Imagine de sine scăzută ca antreprenor

**Hormozi:** "These are real people. They don't work harder/smarter, just know more."

**Pentru Marius:**
- Chris Donley (micro-fame) = om normal, învățat positioning
- Alex Hormozi = om normal, învățat sales + scaling
- Contabili cu 100+ clienți = marketing bun
- **TU:** 25 ani VFP9 + Oracle + automatizări = UNIC în România
  - Nu trebuie Steve Jobs
  - Doar "go-to guy pentru ERP + ANAF"

**Action:** Găsește 3 oameni din nișa ta care au reușit → studiază → "If they can, I can"

---

### 9. Alternative Education > Higher Education

**Challenge:** "Nu am studii formale în marketing/sales"

**Hormozi:** "$100k courses/coaching > $100k higher education for real-world skills."

**Pentru Marius:**
- Curs NLP (câteva mii EUR) > MBA business (zeci de mii EUR)
- Tutorial 1-on-1 cu expert ($750/h x 8h) > Curs universitar (ani)
- **Speed = time value of money**

---

### 10. Consistency > Single Big Win

**Hormozi:** "No single thing makes you rich. Consistently investing in skills is the answer."

**Pentru Marius:**
- Nu "un client mare" care rezolvă totul
- **Ci:** Săptămânal 1 skill mic → lunar 1 skill mediu → anual transformare

**Example timeline:**
- Săptămâna 1: Învăț cum scriu LinkedIn post
- Săptămâna 2: Public primul post educational
- Săptămâna 3: Răspund la 5 întrebări ANAF pe forum
- Luna 1: 10 posturi, 20 răspunsuri, 50 followeri
- Luna 6: 100 posturi, networking solid, primele lead-uri

---

## 🎯 Action Plan Concret

### Immediate (săptămâna asta)

1. **Calculează learning budget:** 5-10% din venit = ?
2. **Audit cheltuieli:** Ce pot reduce cu 20%? → către skills
3. **Identifică 1 skill critic:** "What would 10x my business in 3 months?"

### Scurt termen (luna asta)

1. **Give strategy:** Răspunde la 5 întrebări ANAF pe forumuri (2h investite)
2. **Collector mindset:** Listă 5 skills noi (marketing, sales, automation, positioning, community)
3. **Alternative education:** Găsește 1 tutorial/coaching 1-on-1 pentru skill #1

### Mediu termen (3 luni)

1. **Build bridge:** Investing săptămânal în skills mici
2. **High-level community:** Consideră access grup antreprenori/tech ($5k-30k)
3. **Reinforce loop:** Primele rezultate → reinvestește în next skill

### Lung termen (6-12 luni)

1. **Skills compounding:** 5-10 skills noi → business transformat
2. **Mentor rol:** "Give 6h → get 1h" cu angajatul (el accelerează, tu ai timp)
3. **Income increase:** Extra $3k/lună → $31M în 50 ani (dar benefit REAL = ACUM!)

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## 🔗 Link original

https://youtu.be/6BQ3whjWG3M

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## 📊 Meta-Insight pentru Marius

**Hormozi's path:**
- Trăit ultra-frugal ani de zile
- Investit TOT în skills (no savings, all learning)
- **Rezultat:** $300k/lună → $2M/lună în 8 luni

**Pentru tine:**
- Nu trebuie extrema lui
- **DAR mindset-ul = GOLD:**
  - Skills > savings (early career)
  - Learning budget 5-10%
  - Give 6h → get 1h
  - Collector mentality
  - Consistency > single win

**Bottom line:**
- Fiecare leu investit în învățare astăzi = multiplicat 80x
- Dar beneficiul REAL = income increase ACUM, nu peste 50 ani
- **$2k skill → $35k/an extra → $31M în 50 ani**
- Imaginează 5-10 skills astfel...

**Final quote:**  
> "I am willing to pull cash from my future forward. I know that $2,000, if it can make me an extra $2,000 a month, will be worth a lot more than 13x in 50 years."
