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00:00.0
Gusto mo ba ang mag-retire na wala ka na talagang problema pagdating sa pera?
00:05.5
Hindi ka naaasa sa iba, hindi ka rin naaasa sa pensyon mo?
00:08.8
Ha? Pwede ba yun? Yes!
00:10.7
In this topic, we are going to talk about the 5 levels of your income.
00:15.8
Videos that will make you wealthy and debt-free.
00:22.9
Hi there! This is Chinkitan, your Pansang World Coach.
00:26.2
I'm really excited about this session of ours
00:28.4
kasi bakit po ang pag-uusapan po natin about
00:31.0
Preparation for your future, 5 levels of financial independence.
00:35.3
Kung yan ang gusto mo, this is the session for you.
00:38.0
Alam mo yung financial independence, parating natin, ano yan eh,
00:41.1
I want to be financially independent, I want to be financially free.
00:44.2
Lahat po tayo gusto natin yan.
00:45.8
Pero ang tanong, alam mo ba kung nasa angka na ba?
00:48.1
Ang level ka ng income right now when it comes to your level of income.
00:52.2
So, let's talk about level 1 income.
00:54.6
Kung handa na kayo, kumuha kayo ng paper at ball pen,
00:57.0
i-grade po natin, survey natin.
00:58.4
I-grade po natin yung sarili natin after this session.
01:00.6
Ang level 1 po is financial dependency.
01:03.0
Lahat po tayo nag-uumpisa sa level na ito.
01:04.9
Umaasa tayo sa mga magulang, nakikita na tayo, nakikain po tayo.
01:08.3
In other words, tayo po ay mga pala.
01:11.7
Ngunit ko umpisa, ganun din po ako.
01:14.4
In this level, wala ka pang trabaho.
01:16.7
Kaya nga, you are relying on others to cover your bills.
01:19.8
So, pero ito naman, pwede tayo maging financially dependent for a season.
01:23.4
Pero hindi po siya pwedeng pang matagalan.
01:26.5
Lalo na kung ikaw ay 30 na.
01:28.5
You know what I mean?
01:29.5
Level number 2 po is the financial responsibility.
01:33.0
This is the part already na ikaw po ay nagtatrabaho na
01:36.4
at ikaw ay tumutulong na sa pagbabayad na ng bills.
01:39.9
Nagiging financially responsible ka na.
01:42.1
Namumulat ka na sa katotohanan na hindi ka na bata kundi ikaw ay adulting na.
01:47.2
Nagigets dyan na ito.
01:48.7
Ito na yung part na, yun, nakakagastos ka na ng sarili mo.
01:53.2
At this is the part also na ikaw ay nagpaparticipate na.
01:58.4
That's the level number 2.
01:59.8
Let's go to level number 3.
02:01.5
Level number 3 naman is the financial stability.
02:05.0
This is the part naman na kumikita ka na.
02:07.4
At the same time, nababayaran mo na personally ang yung mga expenses mo.
02:12.8
At kahit na may utang ka, kasi ano naman, hindi naman nawawala ang utang.
02:17.5
Especially kung may bahay at may sasakyang ka na binabayaran o motor.
02:21.9
Nakakapagbayad ka na.
02:23.1
Medyo stable na yung income mo.
02:25.0
At on top of that, ito pang kagandahan.
02:27.3
Meron ka ng tinatawag nating emergency fund.
02:31.5
Malalaman mo kung financially stable ka na, kung may savings ka na.
02:35.1
Kung may emergency fund ka na.
02:37.0
Na mga at least 1 month, then 3 months, 6 months, 12 months.
02:40.7
Yun po ang kaganda.
02:41.9
That's level number 3.
02:44.1
Tanong ko lang, nasaan level ka na kaya?
02:46.3
Pero bago tayong magpunta ng level number 4, batiin muna natin si Jewel Casuay.
02:51.1
At the same time, si Jazzy Rodelas.
02:53.6
At the same time, si Neptaly John Clasho.
02:56.0
Maraming maraming salamat.
02:58.2
Level number 4 na po tayo sa ating income is financial independence.
03:03.3
Sa ganitong level po, ang kagandahan po niyan,
03:05.7
nabibili mo na yung gusto mo, napupunta mo na yung gusto mo, nakakain mo na yung gusto mo,
03:09.5
at hindi ka na survival level,
03:11.8
meron ka na yung tinatawag nating emergency fund na mga isang taon,
03:15.9
tatlong taon, limang taon, diba?
03:18.4
Isang taon, mga isang taon na muna siguro.
03:20.5
Kahit na mawalan ka ng work in one year, talagang okay na okay ka.
03:23.8
Oo, kasi meron ka ng emergency fund.
03:25.8
Independent ka na.
03:26.7
Na susupport mo na yung lifestyle mo, nakakapag-invest ka na rin.
03:30.2
Tito na yung level 4.
03:31.6
Nasaan yung level ka na kaya?
03:33.7
And last but not the least,
03:35.8
ang ultimate goal natin is level number 5.
03:39.4
And that is financial abundance.
03:42.2
Sobra na yung income mo,
03:43.9
ang emergency fund mo, hindi lang sa taon,
03:46.0
pwede maging dalawa, lima, hanggang sampung taon.
03:48.2
Kahit di ka mag-work, pasok na pasok ka.
03:50.5
And you have already reached the pinnacle of success.
03:53.6
You are already in a position not only to help yourself,
03:56.8
but to also help others.
03:58.0
Nakakatulong ka na sa kapwa.
03:59.2
Nakakapag-give back ka na.
04:00.7
Yung talagang pagka may taong lumapit sa'yo,
04:04.4
Nakakapagbigay ka.
04:05.2
Kasi may sobra ka.
04:06.1
Kaya nga, hindi mo na concerned ang pera.
04:08.6
Ang concerned mo na lang, paano natin mamamaximize ang buhay
04:11.5
so that you can enjoy life to the fullest.
04:14.1
Kaya kung tatanungin kita,
04:15.4
ikaw, nakikinig at nanonood ngayon,
04:17.1
I want you to really check
04:18.9
nasa ang level ka na in terms of your financial freedom.
04:21.6
Level number 1, dependent ka ba ba?
04:23.9
Number 2, responsible ka na, nagbabayad ka na,
04:26.7
nag-umpisa ka na, tumutulong ka na.
04:28.2
Number 3, medyo stable ka na,
04:30.9
meron ka ng naiipon na pera at nakabayad ka na sa utang.
04:34.6
Number 4 level, independent ka na,
04:37.3
meron ka ng financial independence,
04:39.6
meron ka ng 1 year na emergency fund.
04:42.3
And then, level number 5, financial abundance.
04:45.7
Sobra-sobra na yung pera mo, nakakatulong ka na sa kapwa.
04:48.5
Kaya nga, I want you to make an evaluation right now
04:51.2
from level 1 to 5, nasa ang level ka ngayon,
04:54.2
ng iyong financial goal.
04:56.7
Okay, pakitype sa comment section.
04:59.0
Kung ikaw na sa level number 1, anong goal mo?
05:01.2
Definitely go to number 2.
05:02.6
Kung ikaw na sa number 2, go to number 3.
05:05.2
From number 3, challenge ko sa inyo,
05:06.8
do you want to go to number 4?
05:08.1
If you say yes, but you don't know where to start,
05:10.5
how you can really do it, this is the good news.
05:13.1
The good news is, let us help you.
05:17.0
Okay, this is what you can do.
05:18.6
Kung seryoso ka, parang sa mga taong hindi na,
05:22.1
I'm chinky, okay na ako, hindi ko na kailangan yan,
05:24.6
hindi ko na kailangan ng guide.
05:26.7
You need a guide.
05:28.6
I've created a method, a methodology.
05:31.2
It's called the CHIP method.
05:32.5
CHIP method, C-H-I-P method,
05:35.0
that will help you to move from level 1 to level 2,
05:38.6
level 2 to 3, 3 to 4, and 5.
05:40.7
If you're interested, this is a free session.
05:43.1
All you need to do is just go to tyl.group.
05:47.4
Doon, makikita mo, mapapanood mo isang program
05:49.6
that can help you to achieve the financial dreams
05:53.0
that you deserve.
05:54.3
To know more, just check out tyl.group.
05:56.7
I hope that you have learned from this session
05:58.7
and sana naman nakatulong tong session natin na ito
06:01.7
to know where you are and how you can get to
06:03.7
where you want to be.
06:05.7
Tatandaan, tamang karunungan, tamang disikina
06:07.7
ang susi sa pagyaman.
