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00:00.0
Gusto mo bang mag-retire na wala ka na talagang pinuproblema pagdating sa pera
00:05.8
at hindi ka aasa sa pensyon at binibigay ng iba?
00:09.7
If that is your desire, you've got to watch this video.
00:12.9
Videos that will make you wealthy and debt-free.
00:19.7
Hi there, this is Chinky Tan, your Pambansang World Coach.
00:22.7
I'm super excited to share with you in this session.
00:25.9
Itong session natin na ito makakatulong po sa mga taong gusto mag-retire
00:30.7
Hindi ko alam kung napakinggan nyo na yung word na FIRE, F-I-R-E.
00:34.9
It stands for Financial Independence Retire Early.
00:39.4
Kung gusto nyo mangyari yan, you've got to listen to this episode.
00:42.8
Kasi dito pag-usapan natin yung five levels of independence,
00:45.7
how you can really reach from one level to the other,
00:48.8
and where are you currently at.
00:50.7
So huwag na natin patagalin, kumuha ka ng papel at ballpen,
00:53.4
let us evaluate where you are right now.
00:55.3
Level one po, ang stage po yun ay tinatawag nating financial dependency.
00:59.5
You rely on others for expenses.
01:02.5
Like for example, doon naman tayo nag-start, di ba?
01:05.6
Yung nakikita ka, nakikikain ka sa magulang mo.
01:08.8
Hindi ka nagbabayad pa ng mga bills mo, sila pa nagbabayad.
01:11.7
In this level, pwede ka pang umasa.
01:14.1
In this level, pwede ka maghanap ng trabaho.
01:16.6
However, ito yung goal natin.
01:18.9
Ang goal po natin is to be able to become independent.
01:23.6
Ang goal po natin is makaalis po tayo.
01:26.7
Kasi kung parati tayong dependent,
01:29.5
hindi tayo mangyayari, hindi tayo magle-level up.
01:32.0
Type agree if you agree.
01:33.5
Level two naman po is what we call as financial stability.
01:37.2
Ito naman, this is the part already where you are already taking some responsibility
01:41.6
and you are already paying the bills.
01:43.9
Di ba? Nakakabayad ka na, nakakatulong ka na.
01:46.6
And then, not only nakakatulong ka na at meron ka ng sigurong plano
01:50.3
that you want to move out.
01:52.0
Di ba? You want to make your own personal financial commitment.
01:55.1
So it's important for you to go on from dependency,
01:59.5
you want to make sure that you have the ability to move out of your own financial debt.
02:02.3
At paano man malalaman kung na-achieve mo na yung stability,
02:04.3
nababayaran mo na yung sariling mong bills at the same time,
02:06.3
nakapag-ipon ka na ng pera.
02:10.3
Level number three naman po is what we call as debt freedom.
02:13.3
Ibig ba sabihin wala na akong utang?
02:16.3
This is the part where you are being able to manage your debt,
02:19.3
lalo na kung may car loan ka, housing loan ka, nababayaran mo na.
02:23.3
Di ba? At the same time, nakakapag-iipon ka na.
02:25.3
Meron ka ng tinatawag na emergency fund.
02:29.3
At paano man, ang kagandahan po dito,
02:31.3
kumikita ka, nakakabayad ka ng mga obligation mo,
02:34.3
at the same time, nakakabayad ka ng mga utang mo.
02:36.3
So ang importante po on this level po ang pinaka-goal po natin is
02:40.3
number one is to be able to get out of mga debts na yan
02:44.3
para mabayaran na, para wala na tayong tinatawag na financial stress.
02:49.3
So bago pa tayo magpatuloy, I just like to say hi to Jewel Casuay.
02:54.3
At the same time, to Giselle Rodelas.
02:57.3
At the same time, si Neptaly John.
02:59.3
Maraming maraming salamat for tuning in.
03:01.3
Nagpapa-shoutout po sila.
03:03.3
Level four naman po is what we call as financial independence.
03:06.3
Sa ganitong level, may sapat ka ng ipon, nakakasurvive ka na
03:09.3
dahil meron ka ng emergency fund na at least, at least ha,
03:12.3
three, six, or twelve months.
03:14.3
Three months, six months, or twelve months.
03:16.3
Kahit na hindi ka magtrabaho in three to six months or twelve months,
03:19.3
nakakover mo yung basic mo, yung pagkain, tubig, you can survive.
03:25.3
Again, a year without a job.
03:27.3
And ang kagandahan po nito, nakasusuport mo na talaga yung lifestyle mo.
03:33.3
At the same time, na-insure mo na nakakapag-invest ka na rin dito para sa mga future goals mo.
03:38.3
Yan ang level four.
03:40.3
Siyempre naman, mapapasa na all ka. Ang goal natin is to go to level four talaga.
03:44.3
And then level five, level five, ang pinaka-ultimate goal po natin is financial abundance.
03:51.3
When you say abundance po, you are living more than enough. Sobrang sobra ka na. Diba?
03:56.3
On this part, diba, hindi ka lang nakakapag-travel, hindi mo lang nabibili ang gusto mo.
04:01.3
At the same time, nakakatulong ka na sa kapwa. Diba?
04:05.3
You are already in a position to give back to other people.
04:08.3
Focus on giving back and creating a positive impact in the world.
04:12.3
So, on this stage po, money is not anymore concerned for you.
04:16.3
Ang focus mo is how to enjoy life to the fullest and how you can become a positive impact by helping other people.
04:24.3
Kung makikita mo ito.
04:25.3
From level one to level five, nasa ang level ka na ngayon?
04:28.3
Ulitin natin na, financial dependence, that's level one.
04:31.3
Financial stability, ika nga, kumikita ka na, nakakatulong ka na.
04:35.3
Number three, debt freedom, wala ka na talagang utang, nakakabayad ka na sa utang.
04:40.3
Number four, financial independence ka na at level five is financial abundance.
04:45.3
If I would have to ask you right now, nasa ang level ka na?
04:48.3
Tatandaan, tamang karunungan, tamang disiplina ang susi sa pagyayaman.
04:55.3
And expending on my share, pretty good.
04:56.3
Thank you for watching!
