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Why do the rich take on so much debt and manage to get even richer with it? In this video, I explain why not all debt is bad and how wealthy people use credit, leverage, and assets to build wealth. By 2026, about 80% of Brazilian families will be in debt. But putting all this debt in the same group hides a fundamental difference: there is debt that destroys wealth and there is debt used as a tool to create wealth. 💡 If you are stuck in expensive debt or need capital to invest in your business, it's worth learning about Creditas' Secured Loan: you use a property or vehicle as collateral to access much lower rates than options like credit cards, overdrafts, or personal loans. 👉 Learn about Creditas and run a simulation: https://link.jovensdenegocios.com/cre... Throughout the video, you'll understand why credit card interest can turn a small debt into a snowball, why some credit options are much cheaper than others, and how guarantees completely change the risk and cost of a loan. We also go back in history to understand how credit changed the economy. From Adam Smith's theory to the emergence of installment purchases in the United States, passing through the rivalry between Ford and General Motors, we show how debt helped anticipate consumption, finance companies, increase production, and transform the way the world buys. 🏫 The Lidere Program is a financial education, entrepreneurship, and socio-emotional intelligence program developed for children and teenagers, from 3 to 17 years old. If you are a teacher, principal, administrator, student, or want to bring the program to a school, talk to us: https://link.jovensdenegocios.com/lid... You will understand: What is the difference between good debt and bad debt? Why revolving credit has such high interest rates? How secured loans work? How debt can generate more wealth than it costs in interest? What is financial leverage? How a leveraged buyout works? How Jorge Paulo Lemann and his partners used debt to buy Anheuser-Busch? Why millionaires and billionaires use stocks as collateral for loans? How entrepreneurs can access money without selling their assets? Why Elon Musk, Jeff Bezos, and other billionaires may prefer to take out loans rather than sell stocks? How dividends, taxes, and debt rollover fit into this strategy? What does "Buy, Borrow, Die" mean? How equity, taxes, interest, and debt connect in wealth building? In the end, the big question is not... It's simply a matter of whether having debt is good or bad. It's about understanding what that debt is financing, how much it costs, and whether the borrowed money is buying something that takes money out of your pocket or something capable of generating even more money. CHAPTERS 0:00 The myth of 80% of Brazilians being in debt 1:14 When debt becomes a snowball 2:05 Why they once believed that the poor should remain poor 3:03 Why earning more can make someone work less 4:19 Was the economy a zero-sum game? 5:30 How Adam Smith changed the way we see wealth 6:45 When debt can create wealth 9:57 Good debt vs. bad debt 10:14 How General Motors taught the world to buy in installments 13:29 Why some debts have much higher interest rates 15:36 What is Secured Loan 16:32 Creditas: the leading specialist in Secured Loans in Brazil 17:17 How the rich use debt to buy companies 19:13 How billionaires use stocks as collateral 21:33 How debt rollover works 22:31 The tax benefit that exists in the United States 23:37 Buy, Borrow, Die 23:50 Why the debt of the rich is different 24:42 Financial education should be taught in school Discover how the Netherlands managed to become one of the richest nations in the world even without depending on great natural resources: 👉 Holanda vs Brasil: a diferença brutal entr... Guide on the Creditas Blog | Credit for businesses: collateral or business loan? https://www.creditas.com/exponencial/... Follow the YouTube channel: @creditasbr #FinancialEducation #Debt #Finance 🌎THIS MONDAY, OCTOBER 5TH: I'm creating a GLOBAL portfolio with my money, so you can learn how to make it profitable without being held hostage by Brazil. Last spots available: https://link.jovensdenegocios.com/car...