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00:00.0
Punta tayo sa first step natin, which is knowing where you are financially.
00:06.3
Ang key po dito talaga ay dapat ginawanin nyo yung assignment natin.
00:13.1
Makakwento ko lang ah.
00:14.2
Alam niya siguro mag-jowa kami.
00:16.2
Ha? Bakla ka pala?
00:21.4
May naman ni Edwin ay mag-jowa for 21 years.
00:25.4
At kung ikukumpara namin yung mga pangarap namin nung kami ay
00:29.5
nagsisimula pa lang at mga pangarap namin 10 years ago at ngayon,
00:33.4
nako, nag-iiba po siya.
00:35.5
Nagsisimula tayo.
00:36.6
I think ang isa sa mga nagpa-pop up sa isip ko ngayon ay
00:39.5
dapat may tigisang kotse tayo bago every 3 years.
00:46.5
So tinatawanan lang namin ngayon.
00:48.4
Nung kaya na namin bumili, nakita namin ay parang hindi naman pala kinakailangan.
00:53.6
So may mga tools tayo dito.
00:55.4
Ito yung money in, money out.
00:57.8
And then yung ating statement of assets, liabilities, and net worth.
01:02.1
Tapos meron tayong financial health check na pinagawa din sa inyo.
01:06.7
This is a quick version.
01:08.3
Meron kasing mas in-depth yung ating personal finance diagnostics.
01:12.8
Yung money in, money out natin, ano ba yung kahalagahan nito?
01:16.7
Kasi yung paglabas at pagpasok talaga ng pera, essentially, budget yan eh.
01:21.3
This is a summary of our estimated income and how it will be spent.
01:27.0
Sa totoo lang, kahit si Elon Musk ang pinakamayamang tao sa mundo ngayon,
01:32.9
kulang pa rin ang pera niya sa mga gusto niyang gawin.
01:35.9
Gusto niya pumunta ng Mars, di ba?
01:38.7
So, eh siya na yung pinakamayaman.
01:42.0
Kailangan talaga natin tignan yung pumapasok na pera
01:45.2
at ipaprioritize natin kung saan natin ilalagay yung pumapasok na pera
01:50.0
to achieve our life goals.
01:52.7
Sa budget din natin, kinaklasify natin,
01:55.4
ano yung passive income at saka yung active income.
01:57.9
Ano ba yung passive income?
01:59.6
So, ito yung mga rent, interest, dividend, capital gains, pension, at saka royalty.
02:06.3
So, anim na klase yung passive income natin.
02:08.8
We want to create passive income from active income.
02:11.5
Kasi, ang pinagagalingan po ng passive income ay sa active income.
02:18.1
Unless, ikaw ay pinagpala, pinamanahan.
02:21.8
Pero, naku, kaunti lang yun.
02:23.6
At saka, huwag natin aasahan yung mga yun.
02:25.5
Doon naman tayo sa expenses.
02:27.2
Tinusulat mo kung ano yung mga pagkagawasan mo.
02:29.7
Then, you will be able to prioritize your needs over your wants.
02:33.2
Sa totoo lang, yung mga needs and wants naman natin ay,
02:36.8
kung titignan natin ay magkakaiba.
02:39.8
Kung yun si Edwin, naku, need niya talaga ang maglaro ng volleyball.
02:44.7
Hindi talaga po pwede na wala siyang laro.
02:47.2
Ako, mamamatay siya.
02:48.6
Mas mahal niya po ang volleyball kaysa sa akin.
02:51.4
At tanggap ko po yun.
02:55.4
ang titignan ko dyan lang parati ay,
02:57.1
kung ikamamatay mo, naku, yan po ay need.
03:00.8
Kung hindi mo ikamamatay, naku, yan po ay wants.
03:04.5
Ito yung budgeting rule natin for expected or regular income.
03:09.9
Ang pinaka-guide po natin dyan is to save and invest as much as you can.
03:14.3
So, kapag less than P25,000 yung kinikita mo,
03:18.8
P5,585 ang susundin.
03:21.7
5% for insurance.
03:23.8
Kasama na dyan yung PhilHealth.
03:28.8
And then, yung remaining 85% ay for?
03:33.7
And then, kapag ang kinikita mo naman ay greater than P25,000.
03:38.2
Ang gagamitin na natin dito na formula ay 5, 15, 20, 60.
03:42.4
So, it means 5% for insurance, 15% for?
03:48.2
20% for investments.
03:49.7
At 60% kasama na dyan ang ating expenses.
03:52.8
Ang budgeting rule for unexpected income.
03:55.4
Ang gagawin natin dyan ay...
03:57.1
Unexpected. Sarap yan.
03:58.4
Ano ba yung mga unexpected?
04:01.4
Yan! Christmas bonus!
04:03.9
Yung 13th month may kasi dapat i-classify pa rin natin siya na unexpected income.
04:08.1
Kasi hindi naman siya kasama dun sa 12 talaga.
04:10.6
Mga racket, mga ganyan.
04:12.1
Mga unexpected income.
04:13.9
Balance of luxuries and obligations.
04:16.2
Bow low ang rule naman natin dyan.
04:19.0
At paano natin siya i-implement?
04:21.3
Save or invest at least 50%.
04:25.4
at most or maximum 50%.
04:29.3
Yung gaso sa mga...
04:30.9
So, spend at most 50%.
04:32.5
I think maganda na yan.
04:34.6
Kunyari, may natagpahan pera.
04:38.4
Yung 5,000 is save mo.
04:39.8
Hindi ka na feeling deprived.
04:41.1
Yung money in, money out kasi lalabas yung ating retirement age.
04:44.3
Yung retirement natin,
04:45.6
minimesure lang niya,
04:47.1
dapat 100% of our expenses is covered by passive income.
04:52.3
Ito po yung society research na ginawa natin.
04:59.2
Makakapag-retire lamang yung ating mga na-survey
05:05.7
45% ay wala pang passive income.
05:09.9
35% ang passive income nila ay less than 10,000 pesos per month.
05:18.3
The second tool is the SAL-N.
05:19.7
Statement of Access, Liabilities, and Net Worth.
05:23.4
this will list what you have,
05:27.6
and what you own,
05:30.5
At syempre, Sir Vince,
05:32.9
it creates awareness of your financial situation
05:35.0
na nagiging aid natin
05:36.6
in budgeting and planning.
05:38.9
Financial health check.
05:39.9
Ito, assignment nyo rin po ito.
05:41.7
Kapag 27 to 30 points yung nakuha ninyo,
05:44.0
financially sustainable po kayo.
05:47.4
financially secure.
05:48.9
And less than 21 points,
05:50.8
kayo po ay startup.
05:53.1
para lang makumpara ninyo,
05:55.5
from 2020 up to now,
05:58.9
yung mga kumuha ng financial health check,
06:00.9
ito yung mga naging scores nila.
06:02.5
Financial startup,
06:03.7
61% na mga kumuha
06:05.3
ang nandyan pa lang.
06:08.1
Sa financially secure,
06:10.6
At 3% naman yung nakalaabot na
06:13.3
ng financially sustainable status.
06:16.1
Ito yung personal finance diagnostics natin.
06:19.1
Kailangan po natin ng medyo pen and paper dito
06:21.6
kasi kailangan natin kuhanin
06:28.7
Kailangan natin makuha yung
06:35.6
tsaka total liabilities,
06:37.9
and then total net worth.
06:39.4
Makikita nyo yan,
06:40.3
doon sa SAL-N ninyo,
06:42.6
PDF file yan na na-email sa inyo.
06:48.5
and monthly debt payment.
06:50.9
Bigyan namin kayo ng 3 minutes
06:54.2
babalik kami after 3 minutes
06:56.2
para pag-usapan natin.
