* 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
May isi-share po ako sa inyong isang malupit na sikreto.
00:04.7
Gusto niyong ba malaman kung paano makaipon ng pera
00:08.4
para makabili ng car in cash?
00:12.4
Kung gusto niyong malaman, you got to finish this video.
00:14.8
Videos that will make you wealthy and debt-free.
00:22.2
Hi there, this is Chinky Tanior, pambansang Wealth Coach.
00:24.4
Super excited po ako sa session natin na ito.
00:26.7
Sa session natin na ito, pag-uusapan po natin kung paano tayong makakapili ng sasakyan.
00:31.9
Yun nga, para sa mga taong itinteresado, hindi lang sasakyan, pati motor.
00:35.5
Kung gusto mo, pati bahay. Pwede na rin yan.
00:37.5
Ito lang po ah, just to give you a perspective.
00:40.7
Again, I'm telling you my story.
00:43.7
Ibig sabihin, kung kaya ko, kaya nyo rin.
00:46.7
I was able to buy my first car in cash.
00:52.2
During that time kasi, ang brand new car was only half a million pesos.
00:56.0
Ngayon, i-reveal ko po sa inyo kung paano ko po ginawa yan.
00:59.5
Pero bago ko i-reveal, ito yung narealize ko.
01:02.5
Oo, narealize ko noong nakuha ko na, number one, wala palang imposible.
01:07.0
Pagka nag-focus ka, iyong mind and heart, the impossible becomes possible.
01:12.5
So, right now, paano ba nangyari yun?
01:15.0
Paano ko na-achieve yun?
01:16.0
I would like to share with you the five simple, simple but not easy.
01:20.5
Ulitin ko ah, simple but not easy step to buy your first car.
01:25.0
Okay, number one.
01:26.0
Kung gusto mo talaga makabiliin ng bahay, or let's say, sasakyan, motor,
01:30.5
set a clear goal.
01:33.0
Napaka-clear po na gusto ko talaga magkaroon ng sasakyan.
01:35.5
Hindi pang yabang, kundi kailangan ko sa business ko.
01:39.0
To bring me from point A to point B, mas mabilis po ako makakapunta dun.
01:43.0
And during that time, alam ko, ang brand new car during that time was half a million pesos.
01:47.5
So, nag-set ako ng goal, 500,000 pesos.
01:51.5
That's number one.
01:52.5
Okay, number two.
01:57.0
So, anong paano ko pinriority?
01:60.0
Dinivide ko eh, kasi ang goal ko, two years.
02:02.5
Okay, by the way, when you set goal, it must be smart.
02:05.5
Specific, measurable, achievable, readable, and time-bounded.
02:10.0
O, specific, car.
02:14.5
Okay, kaano kailangan on a monthly basis?
02:17.0
Kasi may time frame ako eh.
02:18.5
Time frame ko, two years.
02:19.5
So, dinivide ko po ang half a million by two years.
02:23.5
So, lumala ba siya more or less 25,000 pesos per month?
02:26.5
20,000 to 25,000.
02:29.0
Yes, I can sacrifice at least 20,000 to 25,000,
02:32.5
based on my income before,
02:34.0
to set the money there.
02:35.5
So, pinrioritize ko.
02:37.0
Sinet aside ko po yan.
02:39.0
I dedicated already a savings plan for my car purchase.
02:44.5
Now, let's go to the third step.
02:46.0
Ang third step niya, ngayon, na-identify mo na.
02:49.0
Ngayon, i-prioritize mo na.
02:51.5
Ang pinakamahirap, ito, sacrifice.
02:53.0
When you say sacrifice, siyempre naman,
02:55.0
pag tinatabi mo na yung pera dyan,
02:58.0
Sasakyan o pleasure?
02:60.0
Sasakyan o bagong cellphone?
03:03.0
Sasakyan o travel?
03:05.0
Sasakyan o galap?
03:08.0
So, yun yung isang challenge doon,
03:10.0
na may sakripisyo talaga.
03:12.0
You have to stick to the needs, not to the wants.
03:14.5
Walang shortcut eh.
03:16.0
Avoid unnecessary expenses,
03:18.0
and avoid what we call as impulse buying.
03:20.5
Kasi ano mangyayari po niyan?
03:22.0
Pag hindi po tayo nagsakripisyo,
03:24.0
anong pong mangyayari?
03:25.0
Hindi natin mabubuo ang sasakyan.
03:27.0
Alam mo, after two years,
03:29.0
mabibili mo, hindi yung car,
03:31.0
matchbox, o yung maliit lang, yung laruan.
03:34.0
Kasi nga, di tayo nagsasakripisyo.
03:36.0
Pero, oras na nagsakripisyo ka,
03:39.5
Hindi lang yung, ano, nag-sacrifice ka initially.
03:42.0
Pero, ang importante is the word called
03:46.0
Oo, kasi two years.
03:48.0
Two years, twenty to twenty-five thousand.
03:50.0
So, ano yung ginawa ko?
03:51.0
Step number four na po tayo.
03:54.0
I really maintain the discipline na talagang,
03:56.0
ano, I think long term.
03:58.0
Sabi ko, magkakaroon ako sa sasakyan,
03:60.0
magkakaroon ako sa sasakyan,
04:02.0
magsasakripisyo talaga ako.
04:03.0
Didisciplinahin ko talaga at sarili ko.
04:05.0
So, hindi talaga ako bumibili ng mga bagay
04:08.0
na hindi ko kailangan.
04:10.0
Talagang tiis muna, diba?
04:12.0
Pikit, pag-ingit, diba?
04:14.0
Ganun talaga, disiplina.
04:16.0
At masakit ha, masakit talaga
04:18.0
pagka dinidisiplina muna
04:20.0
ang iyong sarili.
04:22.0
Parang sa paglulus lang ng weight yan, diba?
04:24.0
Meron kang gustong kainin,
04:26.0
napaka-sarap, pero alam nyo,
04:28.0
mangyayari at the end of the day,
04:29.0
ayaw mo kainin, gusto mong kainin,
04:31.0
pero alam mo, kailangan disiplinado ka.
04:33.0
Dahil meron kang goal,
04:35.0
ang goal mo ay pumahayat.
04:37.0
Ang goal ko during that time,
04:38.0
kailangang magdisiplina,
04:39.0
dahil goong goal ko ay sasakyan.
04:44.0
alam mo, itong step number five,
04:46.0
ang nakatulong talaga sa akin,
04:48.0
para mas mabilis na
04:50.0
makakuha ng sasakyan.
04:52.0
Pero bago ko sabihin yung number five,
04:54.0
eh gusto ko naman,
04:56.0
mag-type na kayo sa comment section.
04:58.0
Ano po yung nare-realize nyo
04:60.0
sa session natin na ito,
05:01.0
na kulang sa inyo,
05:02.0
kaya hindi nyo makuha-kuha
05:04.0
ang mga financial goals nyo sa buhay,
05:05.0
pakitype na sa comment section.
05:07.0
Number five naman po,
05:08.0
alam nyo, ang isang pinaka-best way,
05:10.0
fastest way for you to get what you want
05:12.0
in life, financial goal mo,
05:17.0
once you learn more,
05:18.0
you will earn more.
05:19.0
So, I continued to educate myself
05:21.0
about personal finance.
05:23.0
I continued to learn
05:24.0
about how to earn more money.
05:26.0
So, you know what happened?
05:28.0
Instead of two years time,
05:30.0
I was able to shorten the time.
05:32.0
I think instead of
05:40.0
Tumasang income ko,
05:41.0
instead ng 20 to 25 thousand,
05:44.0
Ginawa ko 30 thousand.
05:45.0
So, to cut the long story short,
05:47.0
I was able to successfully
05:49.0
save 500 thousand,
05:50.0
and bought my dream car
05:52.0
and I was able to drive home
05:56.0
Ang sarap ng feeling.
05:57.0
Oo, ang sarap ng feeling
05:60.0
Pag binuksan mo yung sakyan,
06:03.0
Ibang klase talaga.
06:08.0
na kung lahat po tayo,
06:10.0
gusto rin natin mangyariyan,
06:11.0
kung nakayanan ko,
06:14.0
Kaya, ito yung gagawin mo.
06:18.0
Ano po yung number five things
06:21.0
set a clear goal.
06:25.0
Number two, prioritize.
06:28.0
Muna ang pag-iipon.
06:34.0
Number five, learn.
06:35.0
Kailangan matuto ka.
06:36.0
At para sa mga taong
06:37.0
gusto talagang matuto.
06:40.0
Mayroon po tayong isang kaiponaryo po.
06:41.0
Naka-iipon po siya
06:44.0
para pambili na kanyang sasakyan
06:47.0
What Ipon Box na ito.
06:49.0
Kaya nga mga friendship,
06:50.0
tignan niyo naman po.
06:52.0
Ilang ipon box ang hawak niya?
06:54.0
Lima ang hawak niyang ipon box.
06:57.0
And every ipon box
06:58.0
will be able to help you
06:59.0
save 60,000 peso.
07:01.0
So, may 300,000 siya.
07:06.0
Kung kinaya niya,
07:08.0
So, suntin mo lang itong mga
07:09.0
tips and advice na ito.
07:10.0
At darating ang panahon,
07:11.0
makakapag-iipon ka.
07:12.0
Hindi lang sa isang sasakyan,
07:13.0
dalawang sasakyan,
07:14.0
tatlong sasakyan,
07:15.0
apat na sasakyan.
07:19.0
Tamang karunungan,
07:21.0
ang susi sa pag-iyaman.
