Finansal Psikoloji: Piyango Kazananlar Neden İflas Ediyor

(upbeat music) (speaking foreign language) - Merhaba fularsızlar. (speaking foreign language) (speaking foreign language) (speaking foreign language) (upbeat music) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) National Endowment for Financial Education. (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) (speaking foreign language) Even if you fix the law, it takes a long time for the culture to return to its original state. That's why when people spend money on their hands, they can understand a little bit about how to break the rules. I want to connect the issue from here to here. What did we talk about? There is a way to get rid of various obstacles, such as aggression, aggression, ignorance, mental disorder. This happened in Piyango, especially. When you win Piyango, they ask you a question. Do I pay all of them now or do I pay them every year? I mean, I pay them maybe 5 million dollars, but if you pay that amount 30 years in that level, if you say, "No, I want all of them now," it's 5 million dollars, maybe 3 million dollars. By doing this, it's smart to kick their internal organs out of the way. At that time, they don't spend that much money on the house, they don't even pay the rent. At the same time, it's like a salary from the government. It's a very easy answer to people who spend money on you. "It's not in my hands. I'm done with this month's budget." You throw the question away. Why is this important? Because from here, I'm going to move on to the concept of delayed gratification. It's a very wide application area, not limited to Piyango. There is already an experiment called Marshmallow Experiment, which is the most famous. It was done in the 60s and 70s at Stanford University. A child comes and says, "Here, I'll give you some sugar. You can take it now. I'm going to leave it in the room. I'm going to come back in 5 minutes. If I see that I didn't get this sugar when I came back, I'm going to give you two sugars. So if you can judge yourself, you will gain double the price. The children who can learn this, the children who can learn how to control themselves, they are more happy in the future, they are doing better, they are more successful. After 40 years, when they ask similar questions, the prefrontal cortex of those who can control themselves, i.e. the part we use when we set the strategy, the part that the brain has developed later, it is more active. The other side is the limbic system. There is a wrong interpretation of the brain of Kertanke, the lizard brain. It's as if the brain of Antica, which remained in us from those times, is active. I'm adding this part later. It was about Marshmallow Experiment because there were a few notes about you. It was said that this experiment could not be repeated later. Generally, in the world of science, this replication crisis, i.e. the crisis that could be repeated, was one of the most beautiful and most well-known examples. But that was also a little exaggerated in itself. So the experiment was not completely thrown into the trash, it could not be repeated at all. I'll summarize it very briefly, the results of the original experiment, the child's success in a deterministic way, the perception that it was stated is wrong. They also said that the experiment was already done. Let it be in our pocket. So it's not a static talent to be able to reduce the burden. The second is more modern work. As far as I understand, they ended up with this result. The experiments that children participated in a little later are more evident. But more importantly, it is already the family's socio-economic situation to be able to reduce the burden of the child's burden. The third thing I will say is that there are those who have criticized this modern comment. So I put the links that I read and found in the explanations. One or two podcasts links, one or two files. Now we close this parenthesis, we return to the original record. Delayed gratification is shown as a good feature in these experiments, but it is not a very good feature in nature, so it hurts too much. Because you will eat what you find in nature, friend. There is no guarantee for tomorrow. You will get that calorie, you will get it, you will get it, you will get it, you will get it tomorrow because you can get hungry. But if you can't plan at all, if you can't think tomorrow, this time you are still disadvantageous. That's why you are coming to a balance. So there is a balance between this delayed discounting and delayed gratification. Of course, the world we live in has that natural adaptation. There is so much difference between the world and the world. Look at the sentence. Because there are contracts in this world. There are words that are really given and held in this world. So you can plan for the future, really. Now you can't talk to nature like this. But that child, for example, I mean, no, when he comes to me, he doesn't give me two sugars, he doesn't think that he is fooling me. Oh, they will take this sugar out of my hands. Then I will be hungry when I go home because there is nothing called a freeze-frame. On the contrary, that freeze-frame is living in a world with a guarantee of supermarkets. It lives in a world where there is no openness. That's why it is a little more reasonable to delay the delay. On the other hand, this world, at the moment, presents you as much as the world. It looks at a button. So there is no such balance left under this freeze-frame. I mean, I am patient today, I will take half twice as much as tomorrow. There is no balance because there is endless pay. For example, there is a movie that you can't watch on Netflix. For example, computer games, for example. There are games that you can't play on Steam, you can't finish them. Let's start with the simplest ones. But the same is true in e-kitab depots. Kumar Bahis is also in these sites. You can play for 24 hours and if you pay, there is nothing more than pay for you in this world. You can do these until you get hungry. That's why we are in a strange world. We are getting more strange as we go. Now, there are a few interesting things about the Stanford experiment and the experiments in Akabin. For example, we don't have the ability to delay the delay. It's usually not observed under the age of 5. It appears later. At the age of 8 or 9, people who started to develop such skills at that age really want sugar. They really want to eat, but they know how to reduce their own attention. Instead of tasting and smelling it, it is called heat features. It is considered to be more cold features. The shape, maybe the money, whatever. When you trust them, that limbic system does not move that much. Or you pay more attention to the future. You apply the techniques and think about other things. These techniques can be learned. Therefore, the ability to delay the delay is not such an ability that comes from birth to the end of life. And it's something that goes hand in hand with financial education anyway. So even if you don't win any piano, doing any kind of investment is actually delaying the delay. You don't use that money now, you go somewhere, you tie it up. After that, you get a lot of money. I will generally think about these types of topics. I mean, I'm talking about the general framework of the Piano Concert. As a person increases his knowledge in these types of topics, we can't change his behavior in that sense. So we have much lower power to change our behavior. We have much lower power to increase our knowledge. But I have determined the important decisions that are important. You can use that information there. So you can make a point and say, "Okay, I'll make a better decision. I can control myself a little more." You can say that by learning these. Now, as we see in this example, our mind has developed according to a certain environmental environment. Now we live in a completely different world. And there is no time for our mind to get used to a world where it is always in your mind. The limbic system is always on your feet. And we have to fight against it every time. That's what upsets us a lot. Therefore, with an intelligent behavior here, we need to take care of ourselves. So my knowledge about these topics may not be enough to change my behavior, but I know my own weaknesses and weaknesses. And according to the rules of the game that we play, I can change it a little bit. For example, if I get an offer today, "I'll take care of it well, but I'm not that stupid, I'm training, I'll take care of it." It means falling into a trap. Besides, there are certain mistakes that I will make. I can see this beforehand, I can't control it. What am I going to do if I do that? I'll take this money, I'll give it to someone, I'll keep an avocado. Take a million dollars, I have the right to take more than 50,000 dollars from this fund. You make an agreement on this. As much as you know that you can't control yourself, as much as you know that you are not very different from others, we need to know ourselves and our mind. Let's get it shorter. We need to know ourselves as much as we can. You hit me with your imagination. I don't promise you salvation, friends. Learn that salvation, learn this cognitive bias. After that, there is no heaven. We also have a painful reality, friends. We are like Maymunus. Normally, we were much more successful than those who fall into our trap. We found ourselves in such a state. We will manage ourselves in a way by thinking about ourselves. That's the thing. I don't know if Ali Özbek is looking for the advice you want. This is what he was looking for. But he is a Patreon supporter. They listen to what they find, not what they hope. Together with you, Alper Barkmaz, I thank Cankara Kuşa, Nilüfer Gök'e and Umutçıklaya. Our lords, ladies, VIPs. After that, our new supporters, Eymen Üçüşük, Çağrı Özkul, Furkan Karakaya, Onur Baysan, Alp Şimşek and Bebi Liku. And of course, our suspects. 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