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00:00.0
So, ang akala ko lang talaga, during that time,
00:02.3
Basta, ano lang, magsipag ka lang, magtsaga ka lang,
00:06.0
e, yayamang ka na.
00:07.5
Mahirap talaga na maging mahirap.
00:17.0
Hirap ka na ba sa kahirapan?
00:19.0
Sa episode na ito, pag-uusapan natin about the pain of being broke
00:24.0
at paano ka makakalabas dito.
00:26.5
Hi there! This is Chinky Tan, your Pambansang Wealth Coach.
00:29.5
Thank you very much for tuning in in this channel.
00:32.5
Super excited ako na dumadami na right now ang ating subscribers
00:36.5
at pahaba na, pahaba na ang watch time po natin.
00:39.5
Kaya I just want to encourage you to finish this video.
00:41.5
Alam nyo, lahat po tayo, meron tayong tinutawag na pinagdaanan sa buhay.
00:46.5
Lalo na kung may mga pagsubok, challenges, financial challenges,
00:50.5
mental, emotional, andami po eh.
00:52.5
And the journey, personally, yung personal hardship ko,
00:55.5
na dinaanan ko when I was age 12 during that time,
00:58.5
nalugay niya ko siya ng aking ama,
01:00.5
at i-reveal ko po sa inyo yung na-experience ko nung 12 years old ako.
01:03.5
Ayaw ko naman i-reveal to para ipahiya ang mga magulang ko,
01:06.5
pero ito yung tunay na na-experience ko.
01:08.5
Breakfast, they talk about money.
01:10.5
Lunch time, they talk about money.
01:11.5
Dinner time, they talk about money.
01:13.5
Bedtime stories, they still talk about money.
01:15.5
To the point, during that time, akala ko talaga maghihiwalay na talaga sila.
01:19.5
So, ano yung feeling ko during that time?
01:22.5
Pagka wala kang pera, I feel scared
01:24.5
because, yun nga, feeling ko talaga maghihiwalay sila.
01:28.5
That's number one.
01:29.5
Yun ang pinakakatakot para sa isang bata na maging pati ng isang broken family.
01:34.5
And para sa mga taong na pinagdaanan niyo,
01:37.5
you know what I mean, diba?
01:39.5
Mag-comment na lang kayo sa comment section kung ano yung feeling na yan.
01:42.5
Number two, nag-aalala ako para kay mama and papa
01:45.5
kasi nga parati sila nag-aaway, diba,
01:49.5
And number three, hindi mo rin makuha ang gusto mo sa buhay.
01:53.5
And then, syempre, feeling mo deprived ka.
01:56.5
Feeling mo kawawa ka during that time when you were young.
01:59.5
So, in other words, I miss out a lot of fun.
02:02.5
And then, when I was young, mga dapat ko mabili.
02:04.5
May experience nung bata akong hindi ko makuha.
02:07.5
At syempre, nakakahiharin minsan.
02:09.5
Sila kumakain, ikaw hindi.
02:10.5
Feeling mo left out ka.
02:12.5
Ultimately, pag ikaw wala kang pera,
02:14.5
iba ang tingin sa iyo ng tao pag wala kang pera.
02:17.5
So, nag-isip talaga ako ng pamamaraan para makalabas dun.
02:20.5
And the thing that I only learned and knew what to do during that time
02:25.5
So, ang akala ko lang talaga during that time,
02:27.5
basta, ano lang, magsipag ka lang, magtyaga ka lang,
02:31.5
e, yayamang ka na.
02:32.5
So, I started to be in sales.
02:34.5
And truly enough, I made some money when I was age 12.
02:37.5
Pero wala, wala pa rin talagang nangyayari.
02:39.5
That's number one.
02:41.5
meron naman magandang nasabi sa akin ng nanay ko.
02:44.5
Sinabi ng nanay ko,
02:45.5
Anak, gusto mo bang yumama?
02:47.5
Ito, hindi ko makalimutan.
02:48.5
Sinabi niya sa akin,
02:49.5
Bakit mo pagyayamanin ang ibang tao
02:52.5
kung kaya mong pagyayamanin ang sarili mo?
02:55.5
That thing stuck into my mind.
02:57.5
And again, there's nothing wrong about employment.
03:00.5
since masipag naman ako, matyaga ako,
03:02.5
I will do whatever it takes for me to really to become rich.
03:07.5
narealize ko nun,
03:08.5
nagbebenta-benta na ako,
03:09.5
wala pa rin nangyayari.
03:10.5
So, when I was in my mid-twenties,
03:12.5
and I know that I'm not getting anywhere.
03:16.5
ito na yung ginawa ko.
03:17.5
Sabi ko, baka kailangan kong matuto pa.
03:20.5
So, what I've basically done,
03:22.5
I started on a mission on self-improvement.
03:25.5
That's the first thing I did.
03:26.5
Sinabi ko, kailangan matuto pa ako,
03:28.5
para kumita pa ako.
03:30.5
So, I started to read books,
03:31.5
attended seminars,
03:33.5
I sought mentors.
03:36.5
basa ako ng basa.
03:38.5
Kahit na hindi ako nakapagtapos during that time,
03:40.5
I still continue to read books.
03:41.5
And then, number two,
03:42.5
I attended a lot of seminars.
03:45.5
And there was one particular seminar
03:47.5
that I cannot forget,
03:48.5
that was in 1996.
03:50.5
Memorabilya ko ito.
03:52.5
I paid Php 5,000,
03:55.5
Ang value siguro ngayon na sa Php 50,000.
03:57.5
And I sought mentors,
03:59.5
to teach me and train me.
04:00.5
So, basically, what happened was,
04:02.5
I learned about financial literacy,
04:05.5
the value of education,
04:07.5
and to cut the long story short,
04:09.5
yung dating kinikita ko,
04:11.5
from Php 15,000, naging Php 25,000.
04:13.5
From Php 25,000, naging Php 50,000.
04:15.5
From Php 50,000, naging Php 100,000.
04:17.5
Php 100,000, naging Php 1,000,000 na mat.
04:19.5
Php 1,000,000 na mat.
04:20.5
And then, the rest is history.
04:22.5
So, in other words,
04:23.5
I was able to pull out of my hardship.
04:26.5
ano pong ginagawa ko?
04:27.5
I became a financial coach,
04:30.5
educator sa finances.
04:32.5
So, ito po yung narealize ko talaga.
04:35.5
parang journey ko,
04:36.5
mahirap talaga na maging mahirap.
04:38.5
That's number one.
04:40.5
hindi mahalaga kung saan ka nanggaling,
04:42.5
ang mahalaga saan ka papunta.
04:44.5
That's number two.
04:46.5
ang pagyaman pala,
04:47.5
ay napag-aaralan na ginawa ko.
04:50.5
I was able to do this.
04:51.5
That's the reason why,
04:52.5
ikaw ngayon na nakikinig,
04:53.5
at nanunood ka sa akin.
04:54.5
If you are experiencing
04:57.5
that I've experienced before,
04:59.5
the pain of being broke and poor,
05:01.5
kung ikaw pinagladaanan mo yan,
05:02.5
huwag kang mawalan ng pag-asa.
05:07.5
wala kong pera ako nun.
05:09.5
Pero the way I did,
05:12.5
I attended seminars,
05:13.5
I find coaches and mentors.
05:16.5
financial education talaga
05:18.5
is one of the key to success.
05:20.5
Parang sinasabi ko nga,
05:21.5
kung gusto mong maging abogado,
05:23.5
mag-aral ka ng legal or ng law.
05:25.5
Kung gusto mong maging doktor,
05:27.5
Kung gusto mong maging architect,
05:30.5
Kung gusto mong maging negosyanteng,
05:32.5
mag-aral ka ng business.
05:34.5
Kung gusto mong gumaling sa pag-invest,
05:36.5
mag-aralan mo ang pera.
05:38.5
success pala in life,
05:40.5
hindi pala talaga mahirap
05:42.5
with the right knowledge.
05:45.5
I just want to encourage you.
05:47.5
kung kayo ay may pinagladaanan,
05:48.5
na-encourage kayo sa kwento ko.
05:50.5
I turn my scar into stars.
05:52.5
I turn my pain into my gain.
05:55.5
I just want to encourage you.
05:56.5
Kung ikaw may pinagladaanan ka,
05:58.5
tanongin mo sarili mo,
05:59.5
bakit ka nahihirapang kumeta until today?
06:01.5
Alam kong masipag,
06:04.5
tanongin mo sarili mo,
06:05.5
ano pa kayang kulang?
06:06.5
I-continue mo lang ang sipag at syaga.
06:09.5
wala pa rin mangyari.
06:10.5
Baka ang kulang lang,
06:13.5
hindi ang sipag at syaga ang kulang mo.
06:15.5
Ang kulang mo lang ay
06:16.5
karunungan at diskarte.
06:22.5
at dagdag diskarte,
06:24.5
yung lakas ng loob
06:25.5
para ma-implement ang inyong kaalaman.
06:32.5
Is it karunungan?
06:33.5
Or is it diskarte?
06:35.5
Pakitype na lang sa comment section.
06:37.5
At para sa mga tao nagsasabi,
06:39.5
mukhang ang kulang ko na lang talaga
06:41.5
ay karunungan at diskarte.
06:43.5
Kung yan ang kulang mo,
06:44.5
may maganda akong balita sa inyo.
06:45.5
Sumama ka na kayo sa mga,
06:49.5
at nagsashare ng kaalaman,
06:50.5
at the same time,
06:51.5
mga iponaryong diskarte po nila.
06:53.5
Join us in our private community po,
06:59.5
I-search nyo na lang po,
07:00.5
sa Facebook group,
07:01.5
private group to,
07:02.5
tapos mag-join kayo.
07:03.5
Doon, makikita nyo
07:04.5
a whole new world.
07:05.5
A whole new world
07:09.5
of Iponaryo's point of view.
07:16.5
Doon, we will encourage you,
07:17.5
we will inspire you,
07:18.5
we will motivate you,
07:19.5
we will challenge you
07:21.5
at the same time,
07:22.5
para mabuo ang iyong pangarap.
07:24.5
gusto mo talaga matuto mag-ipon,
07:26.5
umunlad ang iyong buhay,
07:27.5
ano pang hinintay mo?
07:29.5
Sana nakatulong tong video na ito.
07:31.5
At kung meron kayo nais
07:33.5
that you want me to do,
07:34.5
please comment in the comment section.
07:36.5
tamang karunungan,
07:37.5
tamang disiplina,
07:38.5
ang susi sa pag-iyaman.
