Hipster Finance 💵🔨
Hipster Finance 💵🔨

@finance_hipster

12 Tweets Feb 27, 2023
Warren Buffett’s 2022 annual letter to Berkshire Hathaway Shareholders was a gold mine of investing wisdom
Here are my 10 of my favorite quotes from the letter, including a few quotes from Charlie Munger:
1️⃣ “We believe Berkshire’s individual holders largely to be of the once-a-saver, always-a-saver variety.”
My experience of wealthy people agrees with this. Rich people maintain their smart money habits even after they’re wealthy. That’s why they stay that way.
2️⃣ “Charlie and I are not stock-pickers; we are business-pickers.”
This idea from Buffett changed my thought process on stock investing. Stocks can be emotional gambles. But good businesses show that they’re profitable, growing, etc.
3️⃣ “It’s crucial to understand that stocks often trade at truly foolish prices, both high and low. “Efficient” markets exist only in textbooks.”
Time and again I see people assuming the market is rational and efficient. It isn’t. There are times it right sizes to rational,…
4️⃣ “The cash dividend we received from Coke in 1994 was $75 million. By 2022, the dividend had increased to $704 million. Growth occurred every year, just as certain as birthdays.”
As a dividend investor, I selfishly love this one. A great dividend stock can grow in price, and…
5️⃣ “There is no such thing as a 100% sure thing when investing. Thus, the use of leverage is dangerous. A string of wonderful numbers times zero will always equal zero. Don’t count on getting rich twice.”
Real estate investors, especially, are at risk with this one. Leverage…
6️⃣ “Early on, write your desired obituary – and then behave accordingly.”
Love this idea of literally writing the end goal, and working backwards to make it happen. Sage advice from someone who has literally been there.
7️⃣ “You can learn a lot from dead people. Read of the deceased you admire and detest.”
A cheat code in life is learning from those who’ve done it. Successful people throughout history share their thoughts in books and they’re available for you to read from. READ.
8️⃣ On Share Buybacks:
“The math isn’t complicated: When the share count goes down, your interest in our many businesses goes up. Every small bit helps if repurchases are made at value-accretive prices. Just as surely, when a company overpays for repurchases, the continuing…
9️⃣ More on Share Buybacks:
“When you are told that all repurchases are harmful to shareholders or to the country, or particularly beneficial to CEOs, you are listening to either an economic illiterate or a silver-tongued demagogue (characters that are not mutually exclusive).”
1️⃣0️⃣ On believing in America:
“I have been investing for 80 years – more than one-third of our country’s lifetime. Despite our citizens’ penchant – almost enthusiasm – for self-criticism and self-doubt, I have yet to see a time when it made sense to make a long-term bet against…
The first thing I mastered in personal finance was a budget
It helps me save 50-60% of my income a month
Then I get to invest all the extra: “once a saver, always a saver”
I put everything I know about budgeting in my guide. Pick up a copy here 👇🏻
gum.co

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