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00:00.0
Gusto mo bang maging financially free at mawala ang financial stress?
00:05.7
Ang tanong, meron ka bang ginagawa na probably na nagpapahirap sa buhay mo?
00:10.3
Kung gusto nyo malaman, you got to watch this video.
00:13.5
Videos that will make you wealthy and debt free.
00:20.2
Hi there, this is Chinky Tan, your Pambansang Wealth Coach.
00:23.3
Thank you very much for tuning in in this video na ito.
00:27.0
So, napakaganda ng episode natin na ito because this video will help us determine
00:32.6
kung meron ba tayong mga maling ginagawa sa buhay na ikaw ay guilty.
00:38.0
At ito, nag-umuubos ng pera. So, ang gagawin po natin ito, parang survey ang style mo ito.
00:42.4
Survey ang style. So, aalamin po natin kung ano ba yung mga maling ginagawa po natin sa buhay.
00:48.4
Okay? So, kung handa na kayo, kumuha kayo sa perasong papel at sa ka-ball pen.
00:51.9
I want you to write down and then mag-stick-stick kayo, mag-score kayo.
00:55.5
Ten to, ten things.
00:57.0
That we are going to check if you are guilty of doing.
01:00.2
That's the reason why kapos parati ang iyong income.
01:02.2
Number one, having too many expenses.
01:05.9
O, baka dito pa lang eh, guilty ka na agad.
01:08.8
Pero huwag nating i-deny ah.
01:10.2
Yung mas malaki yung gastos mo kesa kita mo.
01:13.1
No, paano malaman?
01:14.3
Siyempre, bago pag mag-a-15 at 30, kapos ka na.
01:18.3
And then, ang nangyayari po niyan eh, siyempre, ang dami natin mga bills.
01:23.0
Meron tayong mortgages, monthly subscription, yun po.
01:27.0
Ito po yung mga bagay na minsan na hindi natin napapansin.
01:30.0
Akala lang natin eh, normal.
01:32.3
Pero in reality, mas higit na talaga ang gastos mo kesa sa iyong kinikita.
01:38.2
Are you guilty of number one?
01:39.6
O, maglagay ka na ng one state.
01:41.0
Number two, ano yung way na pwede natin gumastos na talagang makakaubos ng pera?
01:46.2
Spending the money that you don't have.
01:48.3
Ang ibig ko po sabihin, bago pa pumasok ang sweldo mo, inutang mo na.
01:53.5
Like for example, nag-cash advance ka.
01:56.2
Ginabit mo na yung credit card mo.
01:57.8
Ito lang ah, reality is this.
02:00.4
Pagka guilty ka po dito, eh, mahirapan ka talagang umunlad.
02:04.8
Kasi nga, nagiging masyado kang futuristic.
02:07.2
Futuristic in the sense, di pa pumapasok ang pera, nagagamit mo na siya.
02:11.2
At minsan, nangyayari naman to.
02:13.6
Nangyayari in the sense that, pag dumating na yung babayarin, diba, on that day,
02:19.0
biglang nagkaroon ka ng emergency, instead na ibayad mo sa utang mo, sa credit card mo,
02:23.3
nagagamit mo na sa emergency mo.
02:26.2
That's number two.
02:28.3
Maglagay kayo ng stick ulit, guilty kayo ulit.
02:30.9
Number three, kung bakit kapos ang iyong income because you have only one source of income.
02:37.1
Sa totoo lang, pag-iisa lang talaga ang source ng income mo, medyo nanganganib ka na.
02:41.4
Nanganganib in the sense, bakit po?
02:43.0
Sa totoo lang ah, according to Ebon Survey Foundation,
02:46.5
ang sabi po niyan, ang average income earner dito sa Metro Manila,
02:50.5
kailangan kumita ng 1,200 pesos per day.
02:53.9
More or less, 1-2.
02:56.2
Remaking yung minimum po natin na sa 600 pesos per day.
02:59.7
Yun po ang reality.
03:00.9
So, talagang kakapusin ka talaga.
03:02.7
Kaya kung wala po talaga tayong extra income aside from our current income,
03:07.5
medyo kakapusin ka talaga.
03:10.0
Number four, tignan natin kung guilty ka.
03:13.6
You always give in to temptation.
03:15.6
Mas magdali kang magpadala sa tukso.
03:18.5
O tukso, lapitan mo ako.
03:23.8
Tukso sa mga, ika nga, mga barkada.
03:26.2
Ika na magwalwal.
03:27.9
Mga bagong gadget, mga bagong pagkain,
03:30.5
mga bagong restaurant, bagong coffee shop.
03:33.5
Parang ano yun eh.
03:34.7
Yung sasahod natin.
03:36.0
Hello, sahod, goodbye.
03:40.5
Ang problem kasi, gusto natin kasi madalian eh.
03:44.0
Parang, yun nga, ang tanong,
03:45.4
ikaw ba'y mabilis na bumigay sa mga temptation?
03:49.9
Ilang score ka na kaya?
03:56.2
Na ikaw ay nangangarap pero wala kang ginagawa.
03:58.6
Panay ngawa, walang gawa.
04:00.0
Dream but do nothing.
04:01.8
Gusto mong umaman, gusto mong maging successful,
04:03.8
pero takot ka mag-umpisa.
04:05.2
Gusto mong mag-negosyo, pero takot ka mag-umpisa.
04:08.1
Ikaw ba ay may ganitong klaseng attitude?
04:11.8
So, importante po talaga.
04:13.4
Kung gusto nyo talaga makamit ang inyong pangarap,
04:15.9
kailangan meron po tayong gawin.
04:19.0
Pero bago tayo magpatuloy,
04:20.3
patiin muna natin si Benjamin Base.
04:22.7
Okay, si Brian Camillo.
04:24.2
At the same time, si Esther.
04:26.2
Okay, Lemay Jovelliano.
04:29.1
Ay, ang haba naman ang name.
04:31.8
Okay, thank you very much.
04:33.7
Let's go to number six.
04:35.0
Check if you're guilty.
04:36.0
That's the reason why you don't have enough money.
04:37.6
You're spending time with the wrong people.
04:40.1
You're spending time with the negative people.
04:42.9
You're spending time with people na mahilig po talagang gumastos.
04:46.8
I don't know if you will agree with this statement.
04:49.1
Birds of the same feathers become a what?
04:52.5
Hindi, parang you tell me who your friends are
04:55.2
and I will tell you who you are.
04:56.9
Pagkasama mo, mga siyempre,
04:59.2
Ay, naku, magiging gastador ka.
05:01.3
Kung kasama mo mahilig gumala,
05:04.9
Pero kung kasama mo ay mahilig magnegosyo,
05:08.4
ay, magiging negosyanto at investor ka.
05:10.7
So, yan ha, number six na yan.
05:12.1
Number seven, check kung ikaw ay guilty also.
05:14.8
Procrastinating on opportunities.
05:16.8
O, mahilig ka sa delay.
05:18.0
Kasi you tend to overthink about things.
05:20.3
What if mag-fail?
05:21.4
What if malugi ako?
05:22.1
What if katatawan itong mangyari sa akin?
05:24.5
Kaya nga, ang nangyayari,
05:26.0
imbis na talaga ikaw ay mag-take ng risk,
05:29.0
Ito na, mga friendship.
05:29.9
Huwag mo nang panampasin yung mga bagay
05:31.4
na makakapagbago sa buhay mo.
05:32.9
Take action ka na.
05:34.5
O, guilty ka ba ba dito?
05:35.9
Let's go to number eight.
05:37.4
Number eight, kung bakit kinakapos talaga
05:39.7
ang ating income,
05:41.3
baka guilty ka rin dito.
05:42.6
Letting self-doubt hold you back.
05:44.5
Ito yung tinatawag po natin, ano eh,
05:46.1
yung you sabotage your own success.
05:49.2
ang pinakaunang kontrabida natin sa ating buhay,
05:51.4
hindi yung mga negative na tao
05:52.6
nakapaligid po sa atin.
05:54.0
Ang pinakaunang kontrabida natin sa ating buhay
05:57.3
kundi ang ating sarili.
06:00.0
So, imbis na magpatalo ka
06:01.8
sa mga negative na iniisip mo,
06:04.2
diba, why don't we learn
06:05.4
how to conquer this type of fears?
06:07.5
O, eh, kaya pinatanong kita,
06:09.3
ikaw ba ay guilty?
06:10.3
Ako, huwag naman sana,
06:11.3
eight na ang score mo.
06:13.3
No wonder kaya kinakapos ang iyong kita.
06:15.8
Let's go to number nine.
06:17.0
Check, check po natin
06:17.8
if you're guilty of this.
06:19.2
Settling in your comfort zone.
06:23.4
Yung parang, eh, okay, nakita ko eh.
06:25.0
Nakaka-survive naman ako.
06:26.2
Ay, nako, ang goal po natin sa buhay,
06:27.9
my friendship, is not survival.
06:29.7
Ang goal natin is to thrive.
06:31.4
You cannot just live in just enough.
06:33.6
Bakit pag just enough,
06:34.9
delikado po tayo?
06:36.6
Oras na may nangyaring emergency,
06:38.3
hindi na tayo just enough.
06:40.2
Mapipilitan na talaga tayong mangutang.
06:42.1
Kaya nga, importante po,
06:43.9
if you are in your comfort zone right now,
06:46.0
challenge yourself.
06:47.0
Dapat higitan mo pa
06:48.1
kung ano yung gusto mo,
06:49.6
yung kinikita mo ngayon.
06:50.7
Higitan mo pa yung pamumuhay mo ngayon.
06:52.9
Staying in your comfort zone
06:54.2
is really dangerous.
06:55.6
Because once a disaster happens,
06:57.4
an emergency happens,
06:58.5
you will not anymore
06:59.5
at your comfort zone,
07:00.6
but you will go down
07:01.6
to your danger zone.
07:03.8
And last but not the least,
07:07.0
kung ikaw ay guilty
07:08.8
kung bakit kapos ang iyong kinikita
07:11.1
kasi nga you're ignoring
07:12.5
financial education.
07:14.2
Parang ito lang, ha.
07:15.3
This is between you and me.
07:16.6
Parang minsan feeling mo
07:17.6
na alam mo na lahat.
07:20.7
ito lang reality.
07:22.6
alam mo na lahat,
07:24.6
you have achieved already
07:25.3
what you want in life,
07:27.0
you already achieved
07:28.0
your financial target in life.
07:30.1
Kasi ang sinabi mo,
07:30.9
Chinky, hindi ko pa naman
07:31.7
nakakamit ang gusto ko.
07:33.1
At the same time,
07:33.9
hindi ko pa tinatamaan
07:34.5
ang financial target ko.
07:35.6
Pag ibig sabihin po yan,
07:38.1
tinatamaan ang gusto mo
07:39.3
at yung financial target mo,
07:42.3
kulang pa ang iyong kalaman.
07:44.4
Kasi yung alam mo
07:45.5
will be able to help you
07:47.3
hit your financial target.
07:48.8
Dapat tinatamaan mo na
07:50.7
Yes, it makes sense.
07:52.3
na hindi mo pa tinatamaan
07:53.6
ang financial target mo ngayon,
07:57.0
As a matter of fact,
07:57.7
I always tell people,
07:59.2
sikreto lang natin ito,
08:00.5
sa ating mga followers,
08:05.1
magpayaman sa atin?
08:06.3
Ang pwedeng magpayaman sa atin
08:08.7
na hindi mo pa alam.
08:11.5
Kung yung alam mo lang
08:12.4
ang pwedeng magpayaman sa'yo,
08:14.3
mayaman ka na ngayon.
08:15.3
Pero yung mga di mo alam,
08:17.2
hindi mo pa nagagawa.
08:18.4
So ano kailangan?
08:24.4
let us ask ourselves,
08:25.8
kung bakit makapos
08:26.8
ang ating income?
08:28.2
Ano ba yung reason?
08:29.8
pakicheck lang ulit
08:30.6
ang score 1 to 10.
08:31.8
Is it because you have
08:32.6
too many expenses?
08:34.4
you're spending money
08:36.2
Advanced ka mag-isip.
08:38.9
isa lang ba source of income mo?
08:41.9
You give in to temptation.
08:44.3
pero wala kang ginagawa.
08:47.0
with the wrong people.
08:48.4
you procrastinate.
08:50.0
you doubt yourself.
08:52.2
you're at your comfort zone.
08:54.8
financial education.
08:58.0
to process and evaluate.
09:02.8
Ibig sabihin yan.
09:04.3
Galing-galing mo.
09:09.7
kailangan mo nang magpa-doktor.
09:11.7
When you say doktor,
09:12.9
find a money doctor.
09:14.2
Find someone who can help you
09:15.3
with your finances.
09:16.3
Ang taas ng score na yan.
09:19.0
things most people
09:22.1
but they are not aware
09:23.5
that's the reason why
09:25.7
medyo in a stressful
09:27.4
and financial situation.
09:29.8
ang challenge ko po
09:32.2
Kung nagustuhan nyo
09:32.9
itong episode na ito,
09:34.7
please type the word
09:36.5
in the comment section.
09:38.7
And maraming maraming salamat.
09:41.5
gusto natin talaga
09:42.2
umudad ng ating buhay
09:45.9
And I hope that this
09:48.2
And I hope that this
09:49.0
What are the things
09:50.6
that you need to improve
09:52.3
So for more information
09:54.6
don't forget to subscribe
09:56.8
and also visit my Spotify.
09:59.6
pag nagpunta ka na
10:00.4
sa Spotify podcast,
10:05.7
yung Spotify podcast
10:07.3
na Chink Positive.
10:09.4
change your perspective.
10:11.2
Maraming maraming salamat.
10:13.0
tamang karunungan,
10:13.9
tamang disiplina po
10:15.0
ang susi sa pagyaman.
10:19.0
Thank you for watching!
