* AI ("Artificial Intelligence") subtitles on Tagalog.com are generated using "Whisper" by OpenAI (the same company that created ChatGPT and DallE2). Results and accuracy may vary.
* The subtitles do include errors occasionally and should only be used as a tool to help with your listening practice.
* You can request this website to create a transcript for a video if one doesn't already exist by clicking the "Request AI Subtitles" button below a video. Transcribing usually takes 30-40% of the length of a video to complete if there are no other videos in
the queue. For example, a 21 minute video will take 7-8 minutes to transcribe.
* Running a super fast cloud GPU server to do these transcriptions does cost money. If you have the desire and financial ability, consider
becoming a patron
to support these video transcriptions, and the other tools and apps built by Tagalog.com
00:00.0
How much is your monthly passive income?
00:03.2
Ayan na, sulat nyo.
00:04.4
Magkano ba yung kinikita nyo every month sa rent natin?
00:07.6
Ako po ay mayroong limang commercial stalls
00:10.6
and 27 residential apartments dito sa Manila.
00:14.4
Oo, di ba? Malaki-laki yung passive income yun.
00:17.0
So rent, magkano yun?
00:20.2
And then interest, kada buwan.
00:22.4
Magkano yung kinikita mo?
00:24.0
Dividend, magkano yung kinikita mo?
00:26.2
Capital gains, royalty, and pension.
00:28.2
So i-total mo lahat yan on a monthly basis.
00:31.4
Ngayon, ang next na gawin mo naman ay
00:33.8
i-total mo ang iyong monthly expenses.
00:36.4
Food, clothing, shelter, utilities, transportation,
00:39.2
education, vacation, medication, dining out and clubbing,
00:42.4
gadgets, streaming, subscriptions, makeup,
00:44.6
at kung ano-ano pang mga expenses.
00:47.2
I-estimate mo yan.
00:48.6
Ngayon, ang gawin natin,
00:50.0
yung ating monthly passive income,
00:52.0
i-divide natin by our monthly expenses.
00:56.0
Magkakaroon ngayon yan ng percentage.
00:59.2
At based sa percentage na makukuha mo,
01:01.6
makikita mo kung ano ang iyong financial life stage.
01:07.4
ikaw po ay nasa pre-startup stage or startup stage
01:14.0
ang suggested age nan ay less than 21 to 22 years old.
01:20.2
So kung wala ka pang passive income,
01:22.0
uy, pang edad 22 years old yan.
01:24.8
Eh kung ikaw ay 35 years old na ngayon,
01:27.0
ay nako, late ka na po.
01:28.6
Ang ibig sabihin yan.
01:30.8
Hindi good na 35 ka na,
01:33.2
eh nandito ka pa lang.
01:34.2
Guys, nahuhuli na kayo pag gano'n.
01:38.6
Tapos, ang susunod na stage ay ang tinatawag natin na
01:41.4
financial independent stage.
01:43.4
If our passive income is 1 to 10% of our expenses,
01:47.8
ang suggested age po dyan ay 23 to 25 years old.
01:51.4
Next, sa financial growth stage,
01:55.8
26 to 35 years old yan ang suggested age,
01:59.0
and then 26 to 50% ay 36 to 45 years old.
02:04.0
Financial stabilization,
02:05.6
kung 51 to 75% ang passive income mo over expenses,
02:09.8
46 to 55 years old yan ang suggested age.
02:13.2
76% to 99% passive income over expenses,
02:17.2
that is 56 to 65 years old.
02:20.6
Financial freedom,
02:21.8
dapat 100% na tayo greater than, no?
02:24.6
At dapat naman, sana by the age of 65,
02:27.6
ay makuha na natin yan.
02:28.8
But the earlier that we would be able to
02:32.4
get this financial freedom,
02:35.8
Alam nyo po, ako, kami ni Edwin ang aking jowa,
02:38.8
31 years old po namin na achieve
02:41.4
ang financial freedom.
02:43.6
So hindi na namin inantay yung greater than 65 years old.
02:47.8
Pero ang naging key din po kasi yan ay,
02:50.4
pumili kami ng simple lifestyle.
02:54.0
So, ito po yung nakita natin sa research natin.
02:58.0
55% ng mga nasa research natin ay pre-startup stage,
03:01.6
at 33.7% ay nasa financial independence stage.
03:05.4
So, hindi talaga maganda ang
03:12.4
financial life stage status nating mga Pilipino.
03:20.2
Monthly passive income over monthly expenses,
03:23.4
it will determine, that will determine
03:25.4
our financial life stage.
03:28.0
So, to see it differently,
03:30.0
yung financial life stage natin yan,
03:32.0
yung nandun sa taas ay what you have.
03:35.2
Your assets that create the passive income.
03:38.8
And yung nasa baba, yung expenses mo.
03:42.0
These are the amount that you spend
03:45.6
for your needs and wants.
03:48.0
And what you have, yung assets earning
03:51.2
that are earning passive income,
03:53.0
at yung needs and wants natin,
03:55.4
yan yung expenses natin.
03:57.6
Kasi your needs and wants is actually
03:59.6
an expression of your lifestyle.
04:01.4
Yan po, at may presyo yan sa expenses natin.
04:05.2
So, from this, matatanong natin,
04:08.4
ang tatanong natin,
04:09.2
paano ba natin palalakihin yung ating mga earning assets
04:12.8
so that we would be able to afford
04:14.8
the lifestyle that we want?
04:17.0
Needs and wants natin,
04:18.4
what do I spend for?
04:20.0
Ano ba yung pinagkakagastusan ko?
04:23.0
So, yan yung mga sasagutin natin
04:25.4
to be able to reflect on our financial life stage.
04:31.8
So, yun, ano dito, no?
04:33.4
What do I spend for?
04:34.6
What will make my life meaningful?
04:36.2
Usually, yolo yan eh.
04:37.6
You only live once.
04:38.8
Kasi needs and wants, di ba?
04:40.4
Gusto ko na ngayon, sana mangyari sya,
04:42.8
May point din naman yun
04:43.8
kasi hindi naman natin alam
04:44.8
kung kailan tayo kukunin ni Lord, di ba?
04:46.8
Pero, sa isang banda,
04:48.4
meron din yago, di ba?
04:50.4
You also grow old
04:52.4
kasi kailangan mo rin paghandaan
04:54.0
yung ating inaharap.
04:55.2
Dinastos mo na lahat ngayon,
04:56.6
eh, nga nga na tayo bukas, di ba?
04:59.2
So, yolo plus yago,
05:02.0
actually, yan yung maganda
05:03.8
na titignan natin.
05:04.8
We have to balance
05:06.6
our yolo and our yago.
05:09.4
At kapag binalance natin yan,
05:11.0
ang tawag po ay bolo
05:13.6
or balance of luxuries and obligations, ha?
05:18.6
So, yan po ang sikreto, ha?
05:21.4
Hindi yolo, hindi yago,
05:24.4
Kasi pinaghalong yolo and yago ang bolo.
05:29.4
Huwag natin kakalimutan
05:30.8
na tayo dapat ay maging masaya
05:33.4
at the same time ay
05:34.8
pinaghahandaan natin ang ating inaharap.
05:37.0
Kaya lagi natin tatanungin,
05:39.0
what makes you happy?
05:41.8
So, ano ba yung features
05:42.8
ng ating financial life stages?
05:45.0
It's definitely not about age.
05:47.6
It's about your ability
05:49.8
to earn passive income
05:51.8
to cover your expenses.
05:53.4
At maaari ka pong mag-regress diyan
05:55.6
kung hindi mo siya mapag-iingatan
05:58.2
ang iyong mga assets
05:59.8
that earn the passive income.
06:02.8
Ako po si Sir Vince,
06:05.4
ang inyong financial guro,
06:06.6
nagsasabing ang pagyaman
06:08.6
na pag-aaralan at napagtutulungan.
06:11.8
Handa ka na bang lumevel up
06:14.8
Join the SEDPICA Sosyo Community
06:17.0
and get started to be a social investor today!
06:21.0
Umatend ng self-paced online
06:23.0
pre-membership education seminar.
06:25.0
Mag-sign up sa bit.ly
06:27.0
slash sedpicooppmes
06:31.6
I-deposit ang iyong initial share capital,
06:34.6
at joint venture savings
06:37.0
BDO Online Banking,
06:38.4
BPI Online Banking,
06:41.2
or Direct Bank Deposit.
06:43.2
Daming options, di ba?
06:45.2
Sundi ng simple instructions
06:48.8
para makapagsimula.
06:51.6
Mag-login sa iyong
06:52.6
SEDP SRI online account
06:54.6
at ipaalam ang inyong deposit.
06:58.2
slash sedpionlinesri
07:00.8
at kami na ang bahala sa iyo.
07:03.2
Ano pang inihintay mo?
07:04.4
Sali na sa SEDPICA Sosyo ngayon
07:06.4
and let's start building
07:07.6
a brighter financial future together!
