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Marami po sa ating mga kababayan nating Pilipino
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ang dumadaan sa mga financial struggles and stress.
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At gusto na talagang makalabas sa utang,
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makapag-ipon, at saka magbuo na ang kanilang pangarap.
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Pero sa totoo lang, dahil nga sa sobrang dami nating babaya rin,
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ang ending po niyan, nagkakaroon po tayo ng gabi na hindi tayo makatulog
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at minsan nasisiran ng mga relasyon sa kapaligid sa atin
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at minsan nawawalan na po talaga tayo ng pag-asa.
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Pero huwag kayong mag-alala.
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Sa episode natin na ito, I'm going to share with you
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the four phases of your millionaire journey.
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Ito po ay batay sa aking pinag-aralan at pinagdaanan also.
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Kaya kung may papel at ballpen po kayo, umpisa na po natin.
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So, umpisaan ko po, ibibigay ko na po sa inyo ang four phases na ito
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at iisa-isahin po natin anong nila naman ang bawat isa.
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Number one is learn. Number two is earn. Number three is invest.
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Four is retire. Ito po yung four phases na pagdadaanan natin.
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Ulitin ko, learn, earn, invest, and then retire.
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Umpisaan muna natin sa learn.
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Ito yung age group na from zero age, syempre natututo po tayo at age of 20.
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Pag-graduate natin hanggang college.
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So, becoming a millionaire, kailangan po talaga ng pag-aralan.
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Dahil nga parati ko sinasabi, ang pag-unlad at pag-yaman po ay pinag-aaralan.
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Nag-uumpisa tayo mag-aral dun tayo elementary.
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High school, college, at graduate tayo.
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Pero ang pag-aaral sana ay hindi po nagtatapos when you graduate.
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Because I can still remember majority of the things that I've learned from school
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ay obsolete na ngayon. Hindi na po pwedeng i-apply like computer, 486, language, DOS.
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Wala na ngayon yan, di ba?
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Kaya nga importante po sana naman never stop learning yung financial education po natin.
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And that involves in upgrading yourself by reading books, attending seminars,
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taking courses, seeking advice from financial experts.
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And I hope that you are doing that if you really want to become wealthy.
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And then number two, pag kayo nag-aral na, it's not how much you know, but it's how much you apply.
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Kailangan po bago pa tayo pumunta sa earning phase, the next phase na po, bago pa tayo pumunta dun,
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kailangan mag-set na tayo tinatawag nating financial goals.
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When you talk about financial goals, there are three types of goals, SML, short, medium, and long.
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Short term po, one to five years.
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Medium term po, six to twenty, and long term, twenty-one and above.
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So kailangan nakasulat na kung ano yung one to five years ko, like for example, nag-uumpisa ka lang, kakagraduate mo lang,
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ay gusto kong kumita, gusto kong magkaroon ng sarili kong motor, sarili kong sasakyan, okay fine, sulat mo.
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Six to twenty, ay gusto kong magkaroon ng sarili kong kondo, di ba?
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Twenty-one and above, gusto kong magkaroon ng retirement.
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So kung ano man plano mo, ilista mo.
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Now, once you have started to learn already, napakaganda ng foundation na yan,
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excited na ako sa second phase, and that is earning phase.
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This is age twenty and above ka na.
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This one is focused on increasing your income and building a strong foundation.
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And when you talk about increasing your income, marami pong ways para tayo ay kumita ng pera.
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Number one, siyempre, ang pinakauna, trabaho, J-O-B, di ba?
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That's the starting point of majority of people.
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And once you already start earning income, sana naman hindi ka lang doon tumigil because kasi kung sweldo lang po ang aasahan po,
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natin in reality, maniwala ka.
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After all the expenses, pagkain, tapos yung mobilization mo, tapos yung transportation fee,
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ang siguro sa sinasweldo mo araw-araw, kalahati po, napupunta na doon.
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Ang naiiwan sa'yo, kalahati. Wala ka na talagang pang gimmick.
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Kaya very important po, aside from your first income, pag stable na yan, create another source of income.
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Parang meron kang fallback, or tinatawag nating multiple sources of income.
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It can be a sideline based on the profession that you took.
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You can be an accountant right now, accountant ka, tapos pwede kang mag-bookkeeping para sa mga malilit ng kumpanya.
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Ang tawag niyan ay side hustle. Like for example, magaling ka sa social media, you can also post for social media, you can be a virtual assistant.
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In other words, mas maganda po yung mga side hustle po natin, must be based on services.
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Bakit services ang pinaprefer ko? Kasi sa services po, wala kang masyadong puhunan.
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Ang puhunan mo yung talent, skills, and then laway.
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And aside from that, pag may sideline ka na,
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pag mayroon ka ng pera, ang next option mo, probably you can already start creating a business.
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Pwede ka na magnegosyo. Maliit na negosyo, palakihin mo.
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At pag kumita na negosyo mo, anong gagawin mo sa excess na funds mo?
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That is where the next phase is gonna come in. That is what we call as investing phase.
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First, you learn. Second, you earn. And third, you invest.
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Age group niyan, more or less, pagka nakaka-invest ka na, 30 and above.
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Doing that at the age of 20, better. Diba? The earlier, the better.
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So this is the part na already when you develop yung good money habits.
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Kasi importante, bago ka pa makapag-invest, kailangan matuto ka mag-save, mag-ipon. Diba?
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Kaya nga, team iponaryo. Kasi ano pong i-invest po natin? Anong pang-negosyo natin kung wala tayong ipon? Diba?
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Always remember, treat your money as just like a seedling, binhi po siya.
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Anong ginagawa sa binhi? Tinatanim para dumami.
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So, importante po na kailangan po tayo mag-save. Diba?
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So, importante po na kailangan po tayo mag-save. Diba? Anong ginagawa sa binhi? Tinatanim para dumami.
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So, importante po na kailangan po tayo mag-save.
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And then after that, may business ka na or if not naman, ang pinaka-goal natin sa investment, ultimate goal ah,
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is to make money work for us instead of you working for money. Ang tawag po na dyan is passive income.
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Ang passive income, even if you stop working, your sources of income will never stop.
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This can come in, in terms of rental income or if not naman, dividend from stocks, royalties from properties
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or royalties from the product that you have developed at marami pang iba.
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And syempre, pinaka-ultimate goal po natin sa investment po is wealth accumulation.
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When you talk about wealth accumulation, yung pera na ulit ang ika nga nagtatrabaho po para sa inyo at narating ang panahon,
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barang masyak na nalang, wow, ang dami ko na palang asset.
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So, maulit nga po tayo ano po yung phases ng isang milyonaryo dadaanan.
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First, learning phase. Second is earning phase. Third is investing phase.
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And I hope you're still here.
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And if you are learning in this session of ours, kung natutuwa kayo at natututo kayo,
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please type natututo sa comment section. I will really appreciate that.
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Para malaman ko talaga ilan sa inyo ang nanonood.
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And last but not the least is the retiring phase or retire phase.
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This is more or less, I suggest that you start early. At the age of 40, dapat ang mindset po natin is retirement na.
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In this phase naman po, this is the part where you can do accumulation, securing your financial future,
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or probably you want to help other people. So how do we do that?
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Number one, asset protection po. When you say asset protection, I always tell people,
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it took you a lifetime to earn the money. It took you many time or a lot of time also to save the money.
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But it only takes you one bad decision to lose everything. Kaya kailangan po meron tayong protection.
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Like for example, ano yung mga protection po natin? Health, life, non-life. Diba?
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We need to safeguard our wealth.
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And reduce potential what we call as liabilities.
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Because I do believe prevention is better than cure. Naniniwala ka ba?
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So that's number one. Protect yourself and your asset.
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And then, syempre kasama na rin po dito. Kailangan po, patient ka.
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Pag nag-iinvest po tayo, please wag na wag kayong magkakaroon ng get-rich-quick mentality.
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Warren Buffett always say when it comes to investment, it's the transfer of money and wealth from the impatient to the patient.
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Wag na kayo mag-eexpect kayo ay nag-invest, bigla na lang kayong iyaman.
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Wala pong mga tinatawag na bitcoin millionaire. Yes, once in a blue moon yan. Hindi yan araw-araw.
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Karamihan ng mga taong yung mayaman hindi through that way. They always make money through the right way. And that is the long way.
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And then, my challenge to you kung gusto nyo talaga lalo pang lumago ang pera nyo, continuous learn and adapt. Learn and adapt.
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Because the only thing that is permanent in this world is what? Change.
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And once you start learning and adapting already, darating na yung panahon sa sobrang dami mong pera, aanihin mo na yung pera mo.
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This is the time already that you can give back.
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Philanthropy na, just like what Ramon Ang is doing right now.
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He's helping his local community sa Tondo with all of his charity works at the same time.
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Ang iniisip na niya, hindi niya kanyang sarili.
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Kaya nga, napakaganda po pag naintindihan po natin itong four phases.
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Again, learn, earn, invest, and retire.
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If I would have to ask you right now, as my viewer right now, nasa ang phase ka ngayon?
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Nasa learn ka ba? Nasa earn ka ba? Nasa invest ka ba? Or nasa retire phase ka?
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Pakitype na lang sa comment section.
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Kahit nasa anong phase ka ngayon, congratulations.
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But if you want to level up, kung nasa learning phase ka, you want to go to the earning phase.
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Kung nasa earning phase ka, you want to go to the investing phase.
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Sa investing phase ka, you want to go to retiring phase.
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So if you are ready to embark towards your financial journey,
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to experience yung tinatawag nating financial freedom,
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alam po natin na hindi po madali.
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Pero itong good news, what if there's a way that you can join us, our movement?
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Meron kaming movement na binubuo that can help you to increase your skills
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and empower you to make the right financial decision to help you reach your financial goals.
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Meron na kaming proven system.
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Meron kaming expert support that will be directly coming from me.
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Magkakaroon tayo tinatawag ng group coaching session.
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And then not only.
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Not only that, meron pa tayong mga tinatawag na peer accountability.
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So if you are ready to take control of your financial destiny and you want to be part of this group
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and you want to know more, nako, ito yung dapat niyong gawin.
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I-click mo na lang yung description sa baba or just go to this group called TYL group.
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TYL.group at panuorin mo itong video na ito to know more.
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To know more how we can help you to become financially free.
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Maraming maraming salamat.
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I hope that you have learned.
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And kung nagustuhan niyo itong session na ito,
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please cut, paste this link and share this session with your friends
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for them to understand ano yung four phases that they need to go through
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in order for them to reach their financial goals.
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Tatandaan, tamang karunungan, tamang disiplina po ang susi sa pagyaman.
