00:40.4
I'm super excited with this session.
00:42.1
Bakit po itong session na ito meron akong i-expose na mga kaaway natin na hindi po natin napapansin
00:48.4
na nagpapahirap sa ating buhay araw-araw, adlaw-adlaw, especially sa mundo ng kaperahan.
00:54.7
Alam mo mga friendship, alam ko naman na ikaw, ako,
01:00.0
diba, pag tayo po ay dumadaan sa mga ganitong mga pagkakataon,
01:05.1
ito po talaga nagpapastress ng ating buhay.
01:07.4
Ano ba itong mortal na kaaway natin pagdating sa pera?
01:09.8
Una, utang at mataas na interest.
01:14.1
Yan po isang matindi na talagang kaaway na kailangan po natin labanan.
01:17.5
Number two, yung ika nga, overspending.
01:20.8
Yung mahilig tayong gumastos.
01:23.2
Kasi deserve ko to!
01:24.9
Number three, pag yan pumasok, yan siyempre naman kahirapan.
01:30.0
Ay, hirap na hirap na.
01:30.9
Number four, yung kulang sa ipon.
01:33.7
Yan din, isang nagpapahirap po sa atin.
01:36.0
And number five, yung tinatawag po natin na financial illiteracy.
01:40.6
Kulang ang kaalaman pagdating sa pera.
01:42.9
Kaya nga, kailangan natin maunawan upang malabanan natin at matalo natin ang kalaban.
01:47.3
Kailangan malaman po natin kung ano ang misyon, ano ang plano,
01:50.9
ang strategy ng kaaway bago natin silang malabanan.
01:55.4
Parang sa basketball ba, kailangan pag-aralan mo yung iyong mga katunggali.
01:59.3
Kung hindi mo pinag-aralan yan, lalampasuhin ka talaga.
02:02.6
So, gusto nyo bang malaman?
02:05.3
Ang strategy ng mga kalaban natin na ito?
02:07.8
Iisa-isahin natin.
02:10.0
Kumuha ka ng papel at ballpen.
02:11.7
Maniwala ka, ang dami mo matutunan sa session na ito.
02:14.7
Number one, ano ba ang layunin, ang misyon ng utang?
02:18.2
Eh, simple lang, na hindi ka na makalabas.
02:20.2
Yung parang buhay mo, ganito.
02:21.9
Kulang, utang, bayad-utang.
02:23.5
Kulang, utang, bayad-utang.
02:25.1
Kulang, utang, bayad-utang.
02:27.3
Yan po ang misyon.
02:28.8
Tapos, ano yung plano po nila?
02:31.2
Ang plano po na ubusin lahat ang iyong pinagkakakitaan.
02:37.1
Bago pa pumasok ang iyong kita, nakasanla na ATM mo.
02:40.4
Bago pa pumasok ang bonus mo, naku, ginagamit mo na, inuutang mo na.
02:44.2
Ano ba ang strategy niya?
02:45.9
Eh, syempre, ang strategy niya, to make you financially stress.
02:49.7
Ay, naku, pag-stress ng taong pa, panalong-panalo.
02:54.7
Yan po, grabe, yung utang talaga.
02:57.3
Tapos, yung sa lack of savings, ano naman mission ng kaaway natin?
03:02.2
To leave you vulnerable in case of emergency.
03:05.5
O, para pag wala kang ipon, pag nag-emergency ka, ay, papalik ka lang sa utang.
03:10.6
Si utang at saka kulang sa ipon, magkakapit yun.
03:14.6
Kaya nga, ano bang plano ni lack of savings?
03:18.0
Ang plano niya is to make you financially illiterate.
03:21.7
To make you ignorant about money matters.
03:24.1
Syempre naman, pag hindi mo alam kung anong gagawin mo.
03:28.6
Eh, naku, lalo ka pang papasok talaga.
03:32.1
Eh, ano yung strategy niya?
03:33.8
Strategy niya, alam mo ang gagawin niya?
03:35.8
Sasabihin niya sa'yo, masama ba?
03:37.6
Pag ito 12 months, zero interest mo?
03:39.5
Masama ba, uutangin mo?
03:41.0
Anyway, babayaran mo naman yan eh.
03:42.7
So, yan ang strategy niya para makapasok ka.
03:45.4
Para lalo ka pang pumasok sa utang, wala kang ipon kasi nagbabayad ka lang.
03:50.0
Nagkakaroon ka ng tinatawag ng consumer mentality.
03:52.8
Ikaw ba ay nabudol na dyan?
03:54.5
Tatanong ko nga kita, Chris4557.
03:57.3
Sam Pena, at the same time si Glyza Lamberte.
04:00.8
O, ikaw ba eh, pumapasok sa gano'n?
04:03.4
So, ano po yung consequences na mga gano'n?
04:05.5
Pag ikaw ay pumasok sa gano'n, siyempre, financial stress.
04:08.8
Lubog ka sa utang.
04:09.8
At pangatlo, hindi mo makukuha ang gusto mo sa buhay.
04:13.5
Tapos, wala kang progreso pagdating sa mga pangarap mo.
04:17.0
At siyempre, nagkakaroon ka ng tinatawag na limited financial freedom.
04:21.7
Limited talaga, lahat ng opportunities mo.
04:23.8
Kaya ang tanong ko po sa inyo, gusto nyo ba itong labanan?
04:26.6
At gusto nyo bang makalaya?
04:28.4
Kung gusto nyo makalaya, ito po ang kailangan natin gawin.
04:31.0
Kailangan mas maging mautak tayo.
04:33.0
Dapat meron tayong mission, meron tayong plano, at meron din tayong strategy.
04:38.1
Ano ba ang mission natin?
04:39.2
First, mission natin is to become financially free.
04:41.6
Sino sa inyo want to become financially free?
04:43.6
Pakitaas ang mga kamay.
04:46.8
Ako, patagal ko nang gusto yung mission yun.
04:49.6
So, ano ang plano natin?
04:52.2
O, ito ang plan natin.
04:53.9
Kailangan, i-identify mo muna natin.
04:56.3
Kung sino ang financial enemy mo.
04:58.2
Ang una bang kalaban mo is utang.
05:01.1
Okay lang ba sa'yo mang utang?
05:02.5
Naku, alipin ka ng utang.
05:04.8
Number two, mahilig ka ba? Marupok ka ba?
05:07.3
Bili ka na ng bili.
05:08.3
Add to cart ka ng add to cart.
05:09.8
Wala kang pag-check out.
05:11.3
Number three, hindi ka nag-iipong.
05:13.5
Number four, wala kang alam pagdating sa pera.
05:18.8
That's number one.
05:19.5
Sulat mo kung saan ka ba nagkukulang.
05:21.4
Or kulang ka sa self-discipline.
05:24.0
O, ano ang strategy natin?
05:26.3
Strategy naman na pag-uusapan natin, ha?
05:28.3
Kailangan po, i-educate natin ang ating sarili.
05:31.4
Kasi the only way that you can fight financial illiteracy
05:35.0
is through financial education.
05:38.1
Kasi mahirap talaga.
05:39.7
Honestly, tayo-tayo lang.
05:41.2
Mahirap gawin ang isang bagay pag di mo alam.
05:43.7
Mahirap mag-negosyo pag di mo alam.
05:46.0
Mahirap mag-invest pag di mo alam.
05:48.4
Does it make sense?
05:49.2
Does it make sense sa comment section?
05:50.9
So, anong solusyon?
05:52.0
Bibili na lang ako ng pill sa Mercury Drugstore.
05:54.1
Kakain ako ng pill.
05:55.0
Pagkain ko ng pill, tatalingo ako.
05:58.0
So, anong gagawin mo?
05:59.2
Kailangan mo magbasa.
06:00.2
Kailangan mo manood ng videos na katulad nito.
06:03.0
Kailangan mo maghanap ng mga gagaling na tao
06:05.2
na makakapagturo po sa inyo
06:07.0
regarding personal finance.
06:09.6
Walang shortcut po, eh.
06:11.4
Kung nag-aral ka sa school,
06:12.9
para ikaw ay bayaran swelduhan,
06:14.4
kailangan pag-aralan mo rin kung paano yung maman.
06:18.9
Another strategy is this.
06:20.8
Seek professional help.
06:22.0
Kung kaya mo talagang mulutas ang iyong financial situation
06:25.0
na pagkatagal-tagal na,
06:26.3
wala ka ng problema.
06:28.5
Kung bakit ka nagkakaroon ng problema ngayon, eh,
06:30.6
kasi kanya-kanyang discount, eh.
06:32.3
So, if you need professional help,
06:33.8
I suggest you seek professional advice.
06:35.8
And maybe some of you are asking,
06:37.0
Chinky, can we invite you?
06:38.2
Can I talk to you?
06:38.8
Yes, if you want to talk to me,
06:40.5
i-DM niya lang ako personally
06:42.2
so that I can give you my personal time.
06:45.1
My personal time.
06:46.0
Do I do one-on-one consultation?
06:48.5
You can reach out to me.
06:51.7
Una, mission natin to become financially free.
06:54.1
Yung plan natin ay, syempre,
06:56.3
kailangan natin i-identify kung anong problema natin.
07:00.2
Na-identify mo na.
07:01.5
And then, strategy natin,
07:03.0
educate yourself,
07:04.6
seek professional help,
07:06.2
and then, next is what?
07:08.2
Track your progress.
07:09.9
Kailangan may matrack mo yung progress mo.
07:12.0
Just in case, just like you,
07:13.3
wanting to lose weight.
07:14.6
Kailangan, araw-araw,
07:16.5
chinecheck mo kung ano yung weight mo.
07:18.5
Because I do believe,
07:19.4
what you measure in life, you will grow.
07:21.3
What you ignore in life will never grow.
07:23.6
Pag minimeasure mo yung weight mo, alam mo,
07:25.3
Ay, naku, nag-a-add.
07:26.9
Hindi ko pwedeng kumain na marami.
07:28.1
Kailangan kong mag-exercise.
07:28.9
Kailangan kong mag-diet.
07:29.6
Pero kung minsan ka lang mag-check sa,
07:32.9
masya-shock ka na lang.
07:35.6
Ten pounds pa rin din nagtatong.
07:37.3
Grabe naman talaga.
07:38.8
So, track your progress.
07:40.3
Review your financial situation.
07:42.7
Nakapahay ka na ba utang?
07:44.0
Nakaipong ka na ba?
07:44.9
Nakapag-negosyo ka na ba?
07:46.0
Nakapag-invest ka na ba?
07:48.0
ito yung encouragement ko sa'yo.
07:49.3
Gusto niyo talagang maayos tong financial situation niyo,
07:52.0
once and for all?
07:54.1
I encourage you to find a community.
07:56.6
Share your financial goals and progress
07:58.4
with a trusted friend,
08:00.4
who can really help you to stay accountable.
08:03.7
in fighting your enemy,
08:05.7
you cannot do it alone.
08:07.7
No man is an island.
08:09.2
It takes a lot of commitment,
08:11.9
the willingness to adapt to changing circumstances.
08:14.9
Kaya nga, tanong ko rin ko sa inyo eh.
08:16.9
Gusto niyo na ba mag-join?
08:19.9
nalabanan po natin,
08:24.6
There was a poor farmer
08:28.1
by the name of William Wallace.
08:31.2
a.k.a. Braveheart.
08:33.1
They were fighting battles.
08:34.6
They were fighting the Englishman.
08:36.7
even though they were out-weapon,
08:38.7
they were outnumbered.
08:40.1
But because they have a mission,
08:42.0
They have a plan.
08:42.8
Their mission is for them to become free.
08:45.3
They have a plan.
08:46.0
They have a strategy.
08:48.0
pag ina-ambush nila,
08:48.9
parati silang nananalo.
08:51.6
may through my door sa kanya
08:54.2
he was about to be executed,
08:55.9
beheaded in front of the town hall
08:58.1
when the jail guard asked him,
09:00.2
what's your last request?
09:02.3
Alam mo sinigawt niya?
09:10.3
nung napanood yung pilig ko lang yun,
09:11.9
tumaasa ang balahibo ko.
09:15.1
I wanna be like you.
09:16.3
Hindi magpapugot ng ulo.
09:17.8
But I want to be also free.
09:19.5
Chinky, aren't you free?
09:20.4
Yes, I may be free roaming
09:21.7
the streets of Metro Manila,
09:23.0
but if my wife sends me a text,
09:25.1
I don't have enough money
09:26.3
to buy her a can of milk,
09:28.4
If I want to send my children
09:29.7
to the best school
09:30.6
and I cannot afford to pay
09:31.8
for their tuition fee,
09:33.9
If my parents grow old and sick,
09:36.1
and they need medication,
09:37.4
and I cannot afford to buy them
09:39.6
the best medicine,
09:41.9
Kaya ang tatanungin nga kita eh,
09:44.4
are you fighting this war?
09:45.7
The war of poverty?
09:47.0
The war of being broke?
09:48.3
The war of being poor?
09:49.7
So now it's your turn.
09:51.3
Itong tanungin ko,
09:52.3
ano yung actions na ginagawa mo ngayon
09:55.5
para malabanan mo ito?
09:56.9
Ito sisimplehan ko lang kayo,
09:58.2
didiretsoin ko na kita.
09:59.5
Since ka-Iponaryo naman tayo,
10:01.4
at umabot ka na sa part na ito,
10:03.0
if we do not engage in this financial battle,
10:06.4
we will be imprisoned
10:09.9
for the rest of our lives.
10:12.3
Kaya nga, I want to challenge you right now
10:14.6
let us stand together.
10:15.7
Let's fight for our financial freedom
10:18.2
so that we can tell our children,
10:22.3
that we made a stand.
10:25.0
William Wallace said,
10:28.1
but not every man truly lives.
10:32.0
Let's choose to live a life of free
10:35.0
from financial burdens.
10:38.2
Kaya nga mga Friendship,
10:39.7
pangaka-Iponaryo na katulad ko,
10:42.6
kung meron ka talagang gustong makamit sa buhay,
10:45.8
I want to invite you to join us.
10:48.1
We can help you to identify what you want.
10:50.8
We can help you to get you
10:52.3
from where you are
10:53.2
and where you want to be.
10:54.8
We have a system that can teach you how to do it.
10:57.5
We have experts and accountability partners
11:00.4
and we will also give you the opportunity to help others.
11:03.7
So kung gusto mo maging financially free,
11:05.4
Chinky, paano ba yan? Paano ba yan? Paano ba yan?
11:07.2
Ito na, ire-reveal ko.
11:09.1
Just go to this website called tyl.group.
11:13.8
That's our TYL community.
11:15.9
Ano ba itong TYL community?
11:18.5
puntahan mo lang itong tyl.group.
11:21.3
At meron kang plan.
11:23.3
Kung seryoso ka to become financially free.
11:28.0
Sana naman naliwanagang kayo.
11:30.5
Mga katimiponaryo,
11:31.9
join us in our fight for financial freedom
11:34.0
to our TYL community.
11:36.1
To know more, visit that site.
11:38.2
Thank you very much
11:39.0
and I hope that you are enlightened,
11:40.4
inspired, educated today.
11:42.1
Tatandahan, tamang karunungan,
11:43.5
tamang disiplina po ang susisang pagyaman.
11:52.3
Thank you for watching!
