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00:00.0
Does my net worth match its prescribed level given my age?
00:05.4
Oh, nabasa ng edad.
00:07.3
Ang net worth natin, ito yung assets, yung assets natin minus yung liabilities.
00:13.4
Sa iba, service na tawag nila din ay equity.
00:16.0
Sa salen ninyo, nandun na yung net worth.
00:18.1
Yung net worth natin, yung pagmamayari ko, what you own kasi yan.
00:22.6
Yung sa'yo talaga. Kasi meron tayo na parang prescribed.
00:25.4
Prescribed na amount na dapat ito na yung meron ka base sa edad mo na net worth.
00:30.3
Yung assets natin equals liabilities plus net worth.
00:33.4
What you have, assets, the dessert stuff with you, equals liabilities.
00:39.0
Pagmamayari ng iba yan.
00:40.4
Yung net worth, pag tinanggal mo yung liabilities sa assets, yun yung matitira.
00:44.7
Bigyan natin ng example. I think ang malinaw na example dito, Sir Ed, ay bahay.
00:49.6
Kunwari ikaw ay may bahay na worth 10 million pesos.
00:55.2
Tapos, ito ay inutang mo. Nag-down payment ka ng 2 million, tapos nakapagbayad ka na rin ng worth 1 million pesos.
01:02.2
3 million na yung net worth mo kasi 7 million na lang yung natitirang liabilities.
01:09.5
10 million minus 7 million na liabilities mo pa, yung pagmamayari mo lang talaga dun sa 10 million na bahay na yan ay 3 million.
01:19.6
Meron tayong net worth estimate multiplier.
01:23.2
Ilang taon ka na, Sir?
01:24.4
So, ang net worth multiplier niya ay 54.
01:30.6
Ako naman po ay 35 years old pa lang.
01:33.6
Ang net worth multiplier ko naman ay 24.
01:37.0
Ang gagawin natin dyan ay, inumultiply natin yan by our monthly expenses.
01:45.4
So, kung ang monthly expenses mo, magkano?
01:50.7
Kung pareho kaming 50,000.
01:57.0
2.7 million na dapat yung aking net worth.
02:02.2
Ako naman, dahil ako ay 35 years old pa lang, kung 50,000 din, 50,000 times 24,
02:12.8
ang sa akin lang, ang net worth ko lang na target ay 1.22 million pesos.
02:19.7
Kaya, kung hindi nyo nagawa ang inyong SAL-N at ang inyong MIMO,
02:24.4
O, gumagano ito kayo ngayon diyan.
02:31.2
Pero yung mga nakagawa, nako, eto na, ma-assess na nila ang kanilang kalagayan.
02:37.6
Kapag advance yung net worth mo, magkano yung required sa'yo?
02:42.5
Eh, ang actual mo ay more than, kumari, 4 million pesos.
02:46.6
O, advance yung net worth mo dyan.
02:49.3
Pero kung halos pareho lang.
02:51.3
Kung nari, 2.7, nasa 3 million ka.
02:53.4
Halos pareho lang yun.
03:01.8
yung iyong net worth.
