00:23.0
Well, huwag ka magilala.
00:24.2
Kung kahit gaano ka man kahirap ang sitwasyon mo ngayon,
00:26.9
may pag-asa ka pa rin.
00:28.0
Dahil ako ay naniniwala na yayaman ka din.
00:31.5
Sa entire session na ito,
00:32.8
you will often hear the word called yayamanin.
00:35.3
It's just a play of words.
00:36.7
Para maintindihan po natin kung ano ba talaga
00:38.9
ang true essence ng yayamanin life.
00:41.5
Pero bago natin pag-usapan yan,
00:43.8
I want us to have the right expectation
00:48.8
Ang expectation po natin lahat is gumanda nating buhay.
00:52.6
Mag-improve, mawala tayo ng utang,
00:54.6
mawala tayo sa financial stress.
00:56.2
Pero, ano ang reality?
00:58.4
Ikaw ba ay financially stressed right now?
01:01.3
So, on the first part of this session po natin,
01:04.3
I want you to do an assessment test.
01:06.3
Magtatanong po ako ng walong questions
01:07.8
and I want you to answer me honestly, truthfully,
01:10.7
and tell me the truth, nothing but the truth.
01:12.6
So, help you God.
01:14.4
Dalawa lang ang sagot, yes or no.
01:16.5
At gusto ko magpakatutuok ka
01:18.2
para malaman natin ang tunay na kalagayan
01:20.6
ng iyong financial situation.
01:23.3
Ikaw ba ay parating nag-aalala tungkol sa pera?
01:29.6
Ikaw ba ay madalas na mang utang
01:31.8
para pambayad lang ng iyong mga pangailangan?
01:37.3
Nagbabawas ka na ng mga ikang kailangan mong bilhin
01:40.4
para ikaw ay makaipon ng pera, makatipid.
01:43.2
Kailangan mo talaga, binabawasan mo talaga.
01:47.9
Meron na bang tumatawag sa iyo?
01:49.9
Meron ka bang pinagkakautangan na hinaharas ka na,
01:52.5
may collecting agency,
01:53.7
may overdue notices ka na ba
01:55.5
na hindi mo pa nababayaran?
01:59.1
Ikaw ba ay may mentally, emotionally, and physically stressed na
02:02.8
dahil sa mga pangyayari na ito?
02:07.4
Wala kang emergency fund.
02:08.8
Just in case may mangyaring hindi maganda,
02:12.4
pasok ka na sa utang.
02:15.6
Ikaw ay nangungutang na
02:21.9
para ikaw ay makabayad ng iyong mga pangailangan.
02:24.6
And number eight,
02:25.3
Wala kang long-term financial planning,
02:27.3
wala ka pang investment,
02:28.6
wala ka pang retirement plan.
02:33.3
it's time for us to grade.
02:38.4
Okay pa yung financial stress level mo.
02:41.2
Pero pag ikaw ay nasa three to four,
02:42.8
moderate na po siya.
02:44.2
Medyo nagbaborderline ang tawag po doon.
02:46.9
pag nag five to six sa score mo,
02:48.6
significant na po
02:49.8
ang nararamdamang mong financial stress.
02:53.6
ang tawag sa'yo ay severe.
02:55.4
Hindi ka na nakakatulog,
02:58.1
nag-aalala ka na,
02:59.4
gulong-gulo ng isipan mo,
03:00.8
lahat ng disisyon na ginagawa mo ay palpa.
03:03.6
So from one to eight,
03:06.7
I want you to be honest with yourself
03:08.4
and I want you to score it.
03:10.3
There are only two options
03:11.4
that you can do right now
03:12.4
kung nalaman nyo na
03:17.9
Pag pinabayaan mo,
03:18.8
ito po mangyayari.
03:20.4
lalo pa siyang lalala.
03:23.8
Do something about it.
03:26.1
ang financial stress,
03:27.3
so lahat po tayo nakakaramdam nun.
03:29.2
It will feel overwhelming.
03:31.6
Ang bigat nito sa balikat
03:33.5
and it will not only affect your finances,
03:36.8
it will also affect your mental,
03:39.8
and physical state.
03:41.6
Pero if you are experiencing this,
03:44.2
may good news ako.
03:45.2
Hindi ka nag-iisa
03:46.1
and nandito tayo,
03:48.2
kaya nga sa session na ito,
03:49.3
itong free session na ito,
03:50.9
so that I will be able to help you.
03:52.9
So how can I be able to help you
03:54.4
by answering three questions right now?
03:56.6
Question number one,
03:57.3
ano ba talaga ang yayamanin life?
04:00.7
nasaan ka na sa yayamanin journey mo?
04:03.2
And number three,
04:04.2
paano mo makakamit ang iyong yayamanin life?
04:08.4
Kung ready ka na,
04:09.4
yan ang pag-uusapan natin sa next video.
04:12.1
Ngayon po ay pag-uusapan po dati
04:13.4
ano yung tunay na kahulagan para sa iyo
04:15.3
ng yayamanin life.
04:16.6
There are what we call as
04:17.8
two ways to view the yayamanin life.
04:20.4
Ito po yung sinasabi ko na
04:21.3
visible and the invisible.
04:23.4
Visible, nakikita mo.
04:24.6
Invisible, di mo nakikita.
04:26.0
Tangible and intangible.
04:27.3
Tangible, nahahawakan mo.
04:29.3
Intangible, hindi mo siya nahahawakan.
04:31.3
So pag pinag-uusapan natin ang yaman,
04:33.1
normally ang pumapasok po sa atin,
04:34.5
bahay, sasakyan, travel,
04:36.6
bagong bag, bagong cellphone,
04:38.4
yung luxury sa buhay,
04:39.8
yan po yung tinatawag natin na visible.
04:42.2
Wala namang masama doon
04:43.2
kung yan ang ninanais mo.
04:44.5
Eh syempre, sino bang ayon ng mga ganon?
04:46.5
However, meron po itong isang
04:48.3
pangalawang yayamanin life
04:50.0
na hindi natin masyadong pinapansin.
04:52.2
Ito yung tinatawag natin ng invisible.
04:54.8
Ako naniniwala kung hindi lang po
04:56.5
material possession,
04:58.5
Hindi lang po talagang pera ang gusto natin.
05:00.6
Kung ano po ang nagagawa ng pera
05:02.4
at naibibigay ng pera po sa atin.
05:04.3
And para sa akin po,
05:05.6
ang tunay na kahulugan ng yayamanin life,
05:08.6
yung salitang freedom, kalayaan.
05:12.3
Magagawa mo yung gusto mo,
05:13.9
hindi ka mag-aalala, di ba?
05:15.6
Yung parang wala ka talagang iisipin.
05:18.5
Ang sarap po yan,
05:19.4
lalo na kung tayo po ay magkakaroon ng tinatawag
05:21.6
na first na yaman,
05:23.1
na freedom na financial freedom.
05:26.0
Umaabot ka na sa punto,
05:27.3
na hindi mo na aalalahanin ang babayarin mo,
05:29.9
pagkain, kuryente, matrikula, gamot.
05:32.8
Yun yung parang ano eh,
05:33.9
yung simpleng buhay.
05:35.6
Kahit na wala kang masyadong maraming pera,
05:38.7
pero kung mamit mo lang ang needs mo,
05:41.1
para sa'yo, sobrang fulfilled na yan.
05:44.6
If you agree, type agree in the comment section.
05:47.5
That's number one for me,
05:48.8
financial freedom.
05:49.8
Na hindi ka na mag-aalala.
05:51.1
Hindi yung sobrang yaman.
05:53.3
the freedom of time.
05:54.9
Para sa isang OFW,
05:56.1
ang mahala sa kanila,
05:57.0
na hindi lang pera.
05:57.8
Yung parang makabalik sa kanilang pamilya
05:59.4
at ma-enjoy ang pera
06:01.6
at yung kinikita sa kasama ng kanyang pamilya.
06:03.8
Para sa isang busy na professional,
06:05.8
gusto niya kung kailan siya magbabakasyon,
06:07.5
pwede siya magbakasyon,
06:08.7
na hindi niya kailangan magpaalam sa kanyang boss.
06:11.4
Yan ang tinatawag na freedom of time.
06:13.4
And then para sa isang negosyante,
06:15.1
na talagang gusto niya,
06:16.8
mas maraming oras niya para sa kanyang pamilya
06:18.9
kaysa sa kanyang business.
06:20.3
Alam mo ito lang ha,
06:21.1
I have never seen successful business person
06:23.2
will ever say on his dying bed,
06:25.2
na sana mas maraming oras,
06:27.0
ang ginugol ko sa negosyo ko
06:28.5
kaysa sa pamilya ko.
06:30.0
Lahat po ay nagsisisi na sinasabi,
06:32.2
sana mas may time ako para sa pamilya ko.
06:35.1
And the third freedom,
06:36.6
ang pinag-uusapan natin,
06:37.7
is the freedom of choice.
06:39.8
Alam mo yung pwede kang mamili
06:41.5
kung saan kakakain,
06:43.7
saan mo pag-aarali ng anak mo,
06:45.3
saan mo gusto mag-travel,
06:46.9
saan mo pag-agamot ang mga mahal mo sa buhay
06:48.9
pag sila ay nagkaroon ng karamdaman.
06:50.8
Yan ang maganda expectation.
06:53.3
Pero ano ba ang reality?
06:54.8
Karamihan po sa atin ngayon,
06:56.3
wala tayong choice kung saan tayo kakain.
07:00.2
Parati tayo nakatingin sa presyo kaysa sa menu.
07:02.8
Wala kang choice kung saan ka nakatira.
07:05.6
Yung mga kapitbahay mo,
07:06.7
honestly, yung neighborhood,
07:07.9
hindi na masyadong tight.
07:09.2
Pero yan ang budget mo.
07:10.6
Yung eskwelahan na pinapasok ng anak mo,
07:13.7
wala ka rin choice.
07:15.0
Hindi naman sa pagmamaliit,
07:16.9
pero alam mong hindi naman maganda yung quality of education.
07:21.0
Or kung magta-travel ka man,
07:23.1
sobra talagang iniisip mo na i-stress ka palalo.
07:26.3
Dahil sa pag-iisip kung saan ka makakamura,
07:28.6
kasi wala kang choice.
07:30.9
And last but not the least,
07:32.6
pag meron nagkaroon ng sakit sa mga mahal sa buhay,
07:35.6
hindi ka makapili ng tamang gamot,
07:40.3
dahil wala kang choice dahil kapos ka.
07:46.2
Yan yung gusto natin na umabot tayo
07:48.1
na magkaroon tayo ng freedom of choice.
07:52.0
We want also to be free from stress.
07:54.2
Again, wala na tayong aalalahan.
07:56.3
Anin sa babayarin.
07:58.1
Wala na tayong utang na babayaran.
08:00.7
Di ba sarap ng feeling na wala ka ng utang?
08:05.7
Nakaka-stress talaga pag may utang ka.
08:08.9
We want to be free from stress.
08:11.1
And finally, ito po.
08:12.7
Pag nagkaroon tayo ng freedom of stress,
08:14.1
magkakaroon tayo ng peace of mind.
08:16.6
Yan ang pinaka-best na hindi kayang bilhin ng tao.
08:19.6
Kung meron lang tayong mabibiling peace of mind,
08:21.7
ang dami na talagang bumili yan.
08:23.0
And aside from what I've enumerated already,
08:26.3
freedom, time freedom, freedom of choice,
08:28.4
free from stress,
08:29.9
alam mong pinakagusto talaga natin
08:31.6
kung bakit ba tayo bumabangon,
08:33.9
kung bakit ba tayo nagtatrabaho,
08:35.3
kung bakit ba tayo nagpuporsige.
08:36.8
Because I do believe,
08:38.2
you and I have the desire
08:40.3
na magkaroon tayo ng freedom to help others.
08:43.1
Sino sa inyo gusto niyo matulungan po
08:44.9
ang inyong mga mahal sa buhay?
08:46.8
Pakitaas ang kamay.
08:48.1
Kahit ako, di ba?
08:49.5
Gusto natin makatulong sa ating mga magulang,
08:51.6
sa ating mga kapatid,
08:53.0
masuklian ang kanilang pinaghirapan,
08:54.8
makatulong po sa mga simbahan,
08:57.2
makatulong po sa mga taong kalangangailangan.
08:59.9
Ultimately, yun po ang gusto natin.
09:02.8
Again, it's not only about money,
09:04.4
it's what money can really offer.
09:08.6
Tatanungin kita ngayon,
09:09.8
habang ikaw ay nanonood,
09:10.9
ano ang iyayaman yung life,
09:12.7
tunay na iyayaman yung life sa'yo?
09:14.5
Bahay, sasakyan, travel,
09:16.0
or financial freedom,
09:18.5
freedom from financial stress,
09:20.3
freedom to choose,
09:21.2
and freedom to help others.
09:25.4
Now, I want you to take time right now,
09:27.8
isulat mo kung ano talagang gusto mo dito sa mga freedom na ito.
09:31.6
I-pause mo muna itong video na ito.
09:33.0
Now, alam na po natin kung ano ba ang tunay na iyayaman yung life para sa'yo.
09:36.9
It's time for us to know where you are right now in your iyayamanin journey.
09:42.0
Alam mo, super excited talaga ako itong session na ito
09:44.5
kasi importante po na kailangan malaman po natin
09:47.0
kung nasaan tayo at saan tayo papunta at patungo.
09:49.4
Para lang siyang yung app ng Grab or Waze.
09:52.2
Kailangan ilagay mo yung location mo,
09:53.6
ilagay mo rin ang destination,
09:54.8
pag nilagay mo location, destination mo,
09:56.9
makakompute mo na kung gaano kahaba,
09:59.0
kung gaano katagal ang iyong biyahe
10:01.2
at maiwasan mo yung traffic.
10:02.9
So right now, I want to ask you personally
10:05.0
and do an evaluation.
10:07.1
Nasaan level ka na ngayon ng iyong financial journey?
10:10.1
There are only five levels
10:11.2
and I hope that you start taking down notes.
10:13.5
Ang level one po is what we call as daily income.
10:16.9
Ito po yung tinatawag natin,
10:17.9
isang kahig, isang tuka.
10:19.6
Walang kahig, walang tuka.
10:21.3
Ito yung normally yung mga araw-arawan,
10:24.8
Bicycle driver, jeepney drivers, taxi drivers.
10:27.4
Pag hindi pumasada yung bukas,
10:30.2
walang kakainin yan.
10:31.9
Number two, ang level two income
10:33.6
is what we call as weekly income.
10:35.6
Ito po yung mga contractual,
10:37.4
karpintero, normally pintor,
10:39.4
Every week na nasusweldoan.
10:41.3
Level three income,
10:42.6
ikaw ay kumikita na on a monthly basis.
10:46.4
Ito yung normal na working force
10:47.7
na kumikita na 15 at 30.
10:49.4
Level four income,
10:51.0
ang ibig sabihin yung pag umabot ka na,
10:52.5
meron ka ng annual reserve.
10:54.8
Ang ibig sabihin ng annual reserve,
10:55.9
meron ka ng emergency fund na isang taon,
10:58.0
kahit di ka magtrabaho ng isang taon,
11:00.7
Level four ka na.
11:01.8
And then level five income,
11:03.4
ito naman po ay mga decade to decade na,
11:05.6
mga 10, 20, 50 years.
11:07.1
Kahit di ka na magtrabaho ng 10, 20, 50 years,
11:09.4
buhay na buhay ka.
11:10.4
Yun po ang binagawa ng uncle ko.
11:16.9
yung mga ayalas never sold their property
11:18.7
at Ayala Avenue sa Makati.
11:21.1
It's always on lease.
11:22.1
Pinapuupahan ng lupa ng limampung taon.
11:24.8
Kontrata po kung ano pong binil nyo sa building,
11:27.2
sa lupa na building,
11:29.7
Pag hindi mo na-renew,
11:31.2
nasa kontrata yun,
11:32.0
sasoli mo yung lupa kasama yung building.
11:33.7
And I was thinking,
11:35.1
bakit kailangan ng mga ayalas
11:36.9
ang mga lupa pwede man nila ibenta?
11:39.1
Yan ba yung magiging passport nila
11:40.6
papunta sa langit?
11:42.4
This is what I've realized
11:43.5
in my financial journey.
11:45.4
I was thinking just like a middle class.
11:47.9
Because the reason why
11:49.1
the ayala want back their property,
11:51.7
it's not for them,
11:53.2
it's for the next.
11:54.8
It's for the next?
11:59.2
Kaya tanuin mo yung sarili mo
12:00.4
paano ka mag-isip
12:01.2
in terms of level of thinking
12:03.2
and level of income.
12:04.6
Ikaw ba ay nasa daily,
12:09.2
Pag ikaw ay nasa level 1 daily,
12:14.2
Nanganganib ka rin.
12:16.8
comfortable ka na.
12:20.8
ito na yung ultimate.
12:23.0
Now, before I ask you,
12:25.2
if you want to level up,
12:26.4
yan ang huling question ko.
12:29.2
sa 5 levels na ito,
12:31.3
ano ang pinaka-delikadong level
12:33.9
from level 1 to level 5?
12:35.5
Pakitype sa comment section.
12:37.2
May mga ima nagsasabi sa inyo level 1,
12:39.0
may mga isa nagsasabi level 2,
12:41.2
may mga ima nagsasabing level 5.
12:43.7
ang pinaka-delikadong level
12:47.7
Why level 3 yung monthly?
12:49.2
Kasi pag nasa level 1 and 2 ka,
12:50.8
wala kang choice.
12:51.8
Kapos ka, may utang ka,
12:53.5
financially stressed ka,
12:54.8
lalabang ka talaga.
12:56.2
Wala akong nakitang tao na talagang
12:58.1
hindi lalaban na umunlad sa buhay.
13:00.5
Yun nga ang delikado,
13:03.3
pag ikaw ay kumikita ng monthly,
13:05.2
nababayara mo na lahat ng bills mo,
13:07.9
nagiging complacent na tayo.
13:10.6
Nagiging masyado ng komportable
13:14.7
So, pag nasa comfort level ka na,
13:16.8
wala ka na minsan drive na
13:19.7
Pero itong realidad,
13:21.3
ang expectation versus reality,
13:24.8
ako financially stressed
13:25.8
pag nasa level 3 na ako.
13:27.6
Good, for a moment.
13:29.1
But the reality is this,
13:30.8
huwag naman po sana.
13:32.0
Kung may magkasakit,
13:34.2
malaking babayaran.
13:35.7
Since wala kang masyadong reserve,
13:39.0
just enough lang.
13:41.8
Masisiran ang pera mo,
13:43.6
mapipilitan na ka na mang utang.
13:45.6
So, babalik ka na ulit sa level 2
13:48.5
Kapos ka na naman.
13:52.1
pag ikaw ay nasa level 3,
13:53.4
umupgrade ka na sa level 4.
13:56.8
just in case sa level 4,
13:58.2
ang baksak mo level 3.
13:59.5
Pag ikaw naman ay nasa level 5,
14:03.4
babagsak ka sa level 4.
14:07.4
Kaya nga ito yung tanong ko,
14:10.1
nasa ang level ka ng ngayon?
14:13.3
From level 1 to level 5,
14:14.8
I want you to answer.
14:16.0
And next question that you need to answer is this,
14:18.6
gusto mo na bang mag-level up?
14:21.9
Kung gusto mo na mag-level up,
14:24.0
yan ang good news.
14:25.4
Ano ba talaga ang yayamanin life?
14:28.4
Paano ba makakamit itong level 1?
14:30.9
Mag-a-upgrade ako?
14:32.1
Yan ang pag-uusapan natin next.
14:35.4
I hope you appreciate this free session of ours.
14:42.1
Ito yung narealize ko,
14:43.0
after 14 years of teaching,
14:45.3
and coaching others about money,
14:47.6
sinabi ko sa sarili ko,
14:49.3
paano pa ako matutulungan ko
14:51.6
ang isang tao na sumusunod sa akin,
14:54.1
sa kanyang financial journey?
14:55.6
Yes, I know na marami sa inyong sumusunod sa akin,
14:58.2
nakakaipo na kayo,
14:59.1
nakapag-budget na kayo,
14:60.0
nakakabayad na kayo sa utang,
15:01.2
nakapag-umpisa na kayo ng negosyo,
15:02.5
nakakapag-invest na kayo,
15:04.5
But, I told myself,
15:06.8
it's always touch and go,
15:08.2
pero wala siya talagang roadmap.
15:10.0
And I told myself,
15:10.9
and I challenged myself,
15:11.9
there must be a simpler and a better way
15:14.0
to present the idea of the yayamanin life.
15:17.3
super excited ako after 15 years.
15:20.6
Today, I'm finally going to reveal to you,
15:23.8
and easy way to understand your financial journey.
15:27.1
Again, itong pakiusap ko po sa inyo on this part,
15:29.4
get a piece of paper,
15:31.3
remove all distraction,
15:35.2
and let me present to you,
15:38.0
the Chinky Tan's Chip Method.
15:40.8
Four things that you and I need to fulfill and complete
15:43.3
in order for us to live a better,
15:45.5
financially free,
15:46.8
and stress-free life.
15:48.0
C stands for the word called create.
15:50.0
Everybody say create.
15:51.2
Kailangan marunong tayo lumikha ng pera.
15:52.8
Wala pa ko nakita,
15:53.9
itong gumihawa dahil walang ka pera-pera.
15:56.1
Ano'y imamanage mo kung wala kang pera?
15:57.5
Ano'y sasave mo pag wala kang pera?
15:58.8
Ano'y pambabayad sa utang pag wala kang pera?
16:04.6
Kahit magaling ka kung mag-create ng pera,
16:06.1
but if you do not know how to handle money,
16:08.4
pag hindi ka marunong mawak ng pera,
16:09.9
ubus pa rin ang iyong pera.
16:12.2
And then number three is this,
16:15.7
Kahit magaling ka mag-create ng pera,
16:16.9
mag-handle ng pera.
16:18.8
the moment you stop working,
16:20.1
you stop earning,
16:23.8
learn how to invest your money
16:25.7
to make your money grow.
16:27.6
Kailangang matutong ang magpalago ng pera.
16:30.8
May kakilala kayo na magaling mag-create ng pera,
16:33.0
mag-handle ng pera,
16:33.7
mag-invest ng pera,
16:34.6
pero nung nag-retiro,
16:38.8
They failed to do letter P,
16:40.2
and that is to protect.
16:42.4
Hindi nila naprotektahan at na-preserve ang pera.
16:45.9
Itong chip method na ito,
16:47.2
ito yung pag-uusapan natin for this last session
16:49.6
na medyo mahaba-haba,
16:50.7
but please bear with me
16:52.9
and I can guarantee
16:53.8
this will really change your financial mindset for life.
16:57.8
Let's start with secret number one,
17:00.8
So, kailangang magkaroon po tayo ng tinatawag na strategies
17:03.1
to increase our what?
17:06.3
Paano ba mag-i-increase ang ating income?
17:10.6
magdadala ng ginawa.
17:12.5
Ito lang, maganda, magsipag at magsyaga,
17:14.6
pero kapos pa rin.
17:16.8
Karpentero ba masipag?
17:18.9
Kargador, matyaga?
17:20.3
Pero maginawa ba buhay?
17:29.3
Sipag, syaga, karunungan, at diskate.
17:31.5
Kahit na masipag at matyaga ka,
17:34.3
pero kulang ang iyong kaalaman
17:36.3
at wala kang mga alam,
17:38.0
forever karpentero ka.
17:40.1
At narating pa noon,
17:41.6
again, walang masama sa profesyon ng karpentero,
17:44.0
narating pa noon,
17:45.6
hindi ka na makapagrabaho,
17:46.5
hindi ka nakikita.
17:47.6
We must invest in upgrading ourselves.
17:51.5
Kailangan mag-invest ka sa sarili mo.
17:53.2
Hindi lang sipag,
17:55.8
ng iba pang gagawin.
17:57.7
Hindi lang carpentry,
18:01.6
para pagdating na panahon,
18:03.3
mapapromote ka na.
18:05.9
tatasansweldo mo.
18:07.7
bubuo na kayo ng grupo.
18:09.7
akyat bahay na kayo.
18:12.1
Hindi, joke lang po yun.
18:14.0
ang contractor ka na,
18:16.6
nag-a-upgrade ka.
18:18.5
Kasi importante pong pag-upgrade.
18:20.1
Cellphone, ina-upgrade.
18:21.1
Looks, ina-upgrade.
18:22.1
Computer, ina-upgrade.
18:25.4
Yung karunungan at kaalaman mo ba
18:27.4
ina-upgrade mo ba?
18:28.7
Ito yung nakakalungkot.
18:30.1
People will invest
18:31.3
thousands of pesos
18:32.7
to upgrade their cellphone,
18:35.6
to upgrade their looks.
18:40.2
Okay naman mga yun.
18:42.4
This is between you and me.
18:44.0
Pag in-invite mo sa isang seminar,
18:47.8
Pangalawang tanong,
18:50.7
You don't come to a seminar to eat,
18:52.4
you come to a seminar
18:53.4
to feed your mind.
18:54.8
At pag sinabi mo may bayad,
19:00.7
Mawalang galang lang.
19:03.2
Ikaw ba nakakain ka na
19:09.1
Yung kinain mong 500 pesos,
19:15.9
if you just invest in yourself,
19:20.1
o natuto ka na isang skill,
19:21.6
ano sa palagay mo
19:24.4
O like for example,
19:25.2
dati hindi ka marunong mag-graphic artist,
19:27.4
hindi ka marunong mag-ano.
19:28.5
Ngayon, natuto ka,
19:29.5
mag-graphic artist,
19:31.4
nag-freelance ka na.
19:32.7
Magkano pwede mo i-charge?
19:39.2
So nadagdagan ang kita mo.
19:40.7
Kahit na mag-invest ka ng 500 pesos
19:42.5
or 1,000 na one time
19:43.7
para matuto ka niyan,
19:44.8
pero ang income mo
19:47.5
People always complain
19:49.0
about the high cost
19:50.1
of education and learning.
19:53.1
to reason with you
19:53.8
about the high cost
19:58.6
pag wala kang alam
19:59.9
at wala kang magawa.
20:02.2
I want you to imagine this.
20:05.2
Kung may kakayanan ka ngayon
20:06.8
na may matutunan kang isang skill
20:09.1
at pwede kang kumita
20:10.1
ng 1,000 pesos extra per day,
20:13.0
That's 30,000 naman,
20:14.1
that's 360,000 pesos per year.
20:20.4
ilang taon na pinalipas mo
20:22.1
wala ka pang masyadong
20:23.1
ika nga na pag-aaralan.
20:25.2
Kung sampung taon mo
20:31.0
ang nawawala sa'yo
20:32.5
at sa sampung taon
20:33.6
na wala kang ginawa,
20:34.4
ang nawala na sa'yong pera
20:35.4
ay 3.6 million pesos.
20:38.3
Dahil hindi mo lang
20:41.8
that God has given me wisdom
20:44.2
every day I learn.
20:46.6
bakit natin kailangan
21:03.5
that you need to create
21:06.9
nung nag-lockdown
21:08.8
naapektohan yung mga iba
21:09.8
na wala na trabaho,
21:10.7
wala na minanegosyo.
21:12.0
ang source ng income mo,
21:14.4
Wala nang papasok na pera,
21:16.0
mapipilitang ang mga utang,
21:17.9
financially stressed ka.
21:19.3
Hindi ba pang mahalagang
21:21.3
If there's only one good lesson
21:22.7
that we can take out
21:25.4
Kung hindi ka convinced
21:26.9
name me one billionaire.
21:31.7
isa lang source of income.
21:33.2
From the late Henry C.,
21:34.3
late Go-Kong Wei,
21:36.0
Hindi lang isang negosyo nila.
21:38.8
if you are convinced
21:40.4
na you need to create
21:41.5
multiple sources of income,
21:43.7
in the comment section.
21:44.7
While you're typing yes,
21:46.3
may nagtatanong na sa inyo,
21:49.2
nakita ng additional income?
21:52.7
na gustong talagang kumita
21:54.1
ng additional income,
21:55.9
I will share with you
21:56.7
my personal formula.
21:59.5
find the right market.
22:01.3
Lalo na sa pag-uumpisa
22:02.5
ng isang profession,
22:06.5
yung target market.
22:07.5
Huwag mo unahin yung produkto.
22:09.1
Kasi pag inuna mo
22:10.3
yung paghahanap ng produkto,
22:12.6
ang karawahe sa kabayo.
22:14.1
Pag inagay mo yung karawahe,
22:15.5
tapos yung kabayo na sa likod,
22:16.9
itutulak ng kabayo
22:19.4
dapat hinihila ng kabayo.
22:21.2
Yan po yung nangyayari
22:23.4
Ano magandang negosyo?
22:25.7
Ano magandang produkto
22:28.9
yung target market
22:30.1
na gusto mong tulungan.
22:32.1
And I always tell people,
22:33.6
kung gusto mo talaga,
22:34.9
maghanap ka ng produkto
22:36.0
na ka nakakatulong
22:37.8
Sarap ng pakiramdam
22:38.8
pag nakakatulong ka sa kapwa.
22:41.5
nakatulong ka na,
22:43.5
Di ba? Maganda ba yun?
22:46.2
sino yung mga taong
22:47.2
gusto kong tulungan?
22:49.1
Galit ako sa hirap
22:49.9
pag tuwing may nakikita
22:51.2
akong taong naghihirap.
22:55.0
ba't ganun ang buhay?
22:57.4
nanggaling din tayo sa hirap.
22:59.6
Nakwento ko na sa inyo,
23:00.6
nung grade 6 ako,
23:01.9
nalugi negosyo ng aking ama.
23:04.4
3 years siyang depressed.
23:06.1
Dumaan kami sa kahirapan.
23:07.8
Mahirap na baging mahirap.
23:08.9
Ibang tingin sa inyo
23:09.5
ng tao pag wala kang pera.
23:11.4
Kaya galit na galit talaga ako
23:15.1
yun ang target market ko.
23:16.4
I want to help people
23:17.3
who are financially stressed.
23:20.7
pag may nakita ka ng group of people
23:22.4
that you want to help,
23:24.2
you look for their problem
23:25.8
and you offer the solution.
23:28.2
Maghanap ka ng problema
23:29.2
at magbigay ka ng solusyon.
23:33.8
ang dapat legitimate solution.
23:36.4
Bigyan ko po kayo ng perspective.
23:38.5
Ang isang malaking problema po
23:39.8
dito sa Metro Manila
23:40.8
is what we call as traffic.
23:43.7
At the same time,
23:44.5
hindi lang traffic.
23:46.3
mode of transportation.
23:51.5
oras ang bibilangin mo,
23:52.8
makikipag-agawang ka.
23:56.4
baka may batinting pa
23:59.8
may nakahanap po ng solusyon.
24:02.4
ikaw maghanap ng taxi,
24:03.6
yung taxi maghanap sa'yo.
24:06.2
kung magkano ibabayad mo.
24:07.8
Bago mo pa i-book,
24:09.1
alam mo na kung magkano.
24:15.2
original idea Uber
24:19.2
the target market,
24:23.8
mahirap maghanap.
24:29.9
and then nagkaroon sila
24:33.4
Sila ang may pinakamaraming
24:34.8
taxi sa buong mundo
24:36.1
na hindi sila bumili ng taxi,
24:38.0
hindi sila nag-hire ng driver,
24:39.7
hindi sila nagbayad
24:42.0
hindi sila nag-maintain,
24:43.3
hindi sila nagpag-gasolina,
24:44.4
pero kumikita sila
24:49.5
Pero meron pang isa.
24:51.0
Ito'y narealize ko.
24:52.9
Kahit na nag-Grab ka,
24:54.7
pero pag nasa-stuck ka sa traffic,
24:56.0
which most of the time,
24:57.8
hindi ako pwedeng malate.
24:59.0
So there are times
24:59.7
na-stuck ako sa traffic,
25:01.2
hindi ako makagalaw.
25:03.1
ang naging solusyon?
25:05.1
Yung mga nagmamadali,
25:06.9
na-stuck sa traffic,
25:08.0
na kailangan makapunta
25:10.2
So ano po nangyari?
25:20.4
ang problema po nila,
25:21.6
hindi sila makasingit sa traffic.
25:23.5
Isa pang target market po nila,
25:25.1
ang problema po nila,
25:26.5
masyado mataas na rin po
25:27.7
ang Grab at saka Uber.
25:30.9
sa motorcycle at taxi,
25:32.5
one-third lang babayaran mo.
25:33.8
Kung 300 ang bill,
25:34.8
magiging 100 na lang
25:35.8
babayaran mo sa angkas.
25:37.8
makakaiwas sa traffic.
25:41.0
If you want really to make money,
25:44.3
legitimate solution,
25:45.6
that's the time you develop
25:49.1
bibigyan ko po kayo ng idea.
25:50.7
Are you learning so far?
25:52.2
Itong session natin na ito,
25:54.5
So, I'm teaching you already
25:56.0
how to create your own
25:57.4
product and services.
25:59.5
I suggest find a product
26:00.7
that you don't have to sell.
26:02.1
Hindi mo kailangang benta.
26:03.2
It's a matter of choice.
26:04.7
Like for example,
26:05.6
data sa cellphone.
26:07.6
Kailangan mo benta?
26:11.1
Ikaw may pinakamagandang
26:12.3
cellphone sa buong mundo.
26:14.0
Pero kung walang data,
26:15.7
ang iyong cellphone.
26:18.7
you don't have to sell.
26:20.5
i-reveal ko po sa inyo
26:23.0
Anong mga produkto
26:23.9
na hindi mo kailangan i-benta?
26:25.4
Abang-abang lang ha,
26:26.4
huwag kayong mawawala.
26:29.9
that are based on trends.
26:31.6
Yung trending ba?
26:39.7
called Magbadya Tayo
26:40.7
with Yuntin Babaw.
26:41.8
Meron pa ako isang show
26:42.6
na Chimp Positive
26:43.4
for so many years
26:46.4
Maraming salamat.
26:48.2
has been acquiring
26:53.7
ano yung pinagbibili niya?
26:59.6
Lourdes Hospital,
27:00.6
Davao Doctors Hospital,
27:04.8
ang hospital market?
27:06.8
You wanna know why?
27:11.2
that the population
27:14.7
Aging market na po.
27:17.5
what does an aging market need?
27:20.2
Health and medication.
27:22.0
Ito po yung technically
27:23.0
na sinasabi po natin.
27:24.7
Habang yung pasyente
27:46.5
na ang population?
27:47.5
At yung mga working,
27:48.9
yung mga bata po,
27:49.8
minsan wala nang time
27:50.8
to take care of their elderlies.
27:52.7
First pa lang to,
27:53.4
create pa lang to.
27:56.2
i-reveal ko na sa inyo
27:58.5
na hindi mo kailangan
28:01.0
itong word na patok.
28:07.2
You will never go wrong
28:10.4
Diba, lahat kakain.
28:16.1
Because the only thing
28:16.8
that is permanent in this world
28:21.1
Anything that's online.
28:25.6
Hindi nyo ba napapansin
28:27.2
ang behavior ng tao.
28:28.2
Hindi na talaga pumupunta
28:29.4
ng physical store.
28:30.6
Nagpapadeliver na lang.
28:31.7
Pag tayo may bibiliin,
28:32.6
anong gagawin natin?
28:33.6
Isa-search natin online.
28:35.8
It's more convenient.
28:42.1
Basta anything that deals with
28:52.2
If you can go on to this
28:55.2
patok lang na ito,
28:56.2
you will never go wrong.
28:57.7
Ito talaga yung mga
29:01.3
na hindi mo na kailangan
29:03.3
Does it make sense?
29:04.5
Pero some of you are saying,
29:06.7
matututunan ito mga ito?
29:10.2
You don't have to worry.
29:11.3
Meron akong free.
29:14.0
Na ibibigay po sa inyo
29:16.7
like, for example,
29:17.6
patok ng pagkikitaan
29:19.4
Ang mga guests lang natin dito sila,
29:24.5
Tuturuan kayo kung paano nga
29:25.8
gumawa ng patok ng negosyo.
29:29.9
business for everyone.
29:31.2
Sino ng mga kasama natin dito?
29:33.6
ng Potato Corner,
29:35.2
ng Mercato Central,
29:38.6
of the Philippines,
29:41.2
na yung negosyo niya,
29:42.1
at at the same time,
29:43.3
magsashare din sa kanilang
29:44.2
business experience.
29:49.1
to start your business,
29:50.3
I will also give you
29:51.5
on how to build your business
29:53.5
from Juan Nekosyante.
29:55.2
At paano nyo makukuha
29:56.7
itong mga free session,
29:57.9
yan ang i-reveal ko sa inyo
30:00.4
kaya huwag kayong mawawala.
30:03.0
ang tanong ninyo,
30:04.5
effective ba itong
30:07.5
we have one person
30:08.4
by the name of Marta Ping,
30:09.5
isang follower ko,
30:10.9
thank you sir for inspiring people,
30:12.4
motivating people.
30:13.3
Isa ang taga-subayba
30:14.1
ng mga teaching nyo
30:16.2
Walang-wala po ko nung
30:17.2
napakahirap ng panahon,
30:20.2
Lahat ng natutunan ko,
30:21.5
in-apply ko sa sarili ko.
30:23.2
I'm a 30 years old
30:24.4
construction businessman
30:27.2
of a hundred million pesos.
30:35.5
ang latest na information
30:37.0
that I got from him,
30:39.1
with 1.2 or 1.3 billion
30:41.5
in sales for his company.
30:47.7
dating construction worker.
30:51.9
At paano nag-change
30:52.7
ang mindset niya,
30:54.7
na kailangan niya
30:56.8
ng multiple sources of income
30:59.7
ng kanyang sarili?
31:01.0
And that's what he did.
31:02.1
He made it happen.
31:03.3
That's secret number one.
31:06.2
Paano yung secret number two?
31:07.7
Abangan nyo na lang
31:09.7
secret number one palang
31:11.7
at umaapaw na tayo.
31:12.6
Let's go to secret
31:16.8
Everyone say handle.
31:18.4
Ano po yung tatlong
31:18.9
imamaster po natin?
31:22.6
Matuto ka mag-ipon,
31:24.2
at makawala sa utang.
31:26.7
kailangan matutong
31:27.7
mag-handle ng pera?
31:29.8
it's not how much money
31:31.7
it's how much money
31:33.5
Kahit kumita ka ng
31:34.4
100,000 pesos a month,
31:36.4
pag-i-araw ang lifestyle mo
31:39.0
wala ka pa rin ipon,
31:40.0
wala ka pa rin utang.
31:41.3
Pero ito yung weird part eh.
31:42.8
Marami nagsasabi,
31:43.6
hindi ako nakaka-ipon
31:44.6
kasi kapos ang kita
31:45.4
tumataas ang bilihin.
31:46.7
Kung naalala nyo,
31:49.1
at magkanong unang
31:54.5
nung maliit ang sweldo,
31:56.2
minsan may sobra pa.
31:57.5
Nung lumaki na yung sweldo,
32:01.8
Kaya ibalikan sweldo
32:06.0
I always tell people,
32:07.0
the problem is not
32:10.2
who's handling the income.
32:15.3
mali ang attitude mo,
32:16.7
mali ang way of thinking mo,
32:20.9
And probably some of you
32:22.0
are saying right now,
32:26.9
Bibigyan ko po kayo
32:27.9
ng dalawang solusyon
32:44.8
Reveal number one
32:52.7
unnecessary gastos.
32:56.3
ang income natin.
32:57.5
Bawasan muna natin.
32:58.6
Kung titignan po natin,
32:59.9
normally if we eat out
33:02.1
on a weekly basis,
33:03.5
on a Sunday lang,
33:04.9
pagkakain tayo sa labas,
33:06.7
magkano ang gagastos
33:08.3
mahina na isang libo
33:09.8
sa family of five
33:12.1
Lagyan mo na sa one.
33:13.9
1,000 every Sunday
33:16.9
naman times 12 months,
33:20.4
Kung ang sweldo mo
33:23.4
that's two months
33:27.9
na hindi mo namamalayan.
33:34.1
Instead na four times
33:35.3
two times na lang.
33:36.4
Kakain pa rin kayo sa labas.
33:37.5
Mag-i-enjoy pa rin kayo.
33:38.6
So dating gastos mo,
33:41.0
Nung naggalawa ka,
33:43.3
Magkano na-save mo?
33:45.2
Magkano na itabi mo?
33:47.6
So what does it mean?
33:49.1
I hope you will write this down.
33:51.4
is money additionally earned.
33:53.1
Ang perang hindi mo ginastos
33:54.4
ay dagdag income mo.
33:56.1
Hindi mo kailangang mag-sideline,
33:57.6
hindi mo kailangang mag-overtime,
33:58.8
hindi mo kailangang magdagdag ng income
34:00.5
para madagdagbawasan mo lang
34:01.9
ang unnecessary gastos mo
34:04.4
madagdag ng income mo.
34:07.3
if it makes sense.
34:08.5
That's number one,
34:10.4
Strategy number two,
34:13.6
Babalik na naman tayo sa create.
34:15.5
Aside from your present income,
34:17.4
maghanap po tayo ng second income,
34:21.0
Meron pa ako isang napakagandang strategy
34:23.0
para madagdagan ang ipon mo,
34:25.7
at makabayad ka sa utang.
34:29.3
As your income increases,
34:31.2
you don't increase your standard of living
34:34.6
but you increase your standard of savings
34:38.4
Pag tumasang income,
34:39.3
hindi mo tataasan ang iyong lifestyle,
34:42.0
itataas mo ang pag-iipon mo
34:44.2
at pag-i-invest mo.
34:45.9
So what does it mean?
34:46.8
Ito po ang simple challenge.
34:48.9
At huwag nyo sasayangin to.
34:50.4
Super liberating.
34:52.3
Pwede ba kita i-challenge
34:53.2
na mag-ipon ng 5%
34:59.8
Kung kumikita ka,
35:01.3
for computation purposes,
35:14.9
you don't increase
35:15.8
your standard of spending
35:22.0
Pag tumaas ulit ang income mo,
35:25.3
Pag tumaas ang income mo,
35:28.6
Pag tumaas ang income mo,
35:31.7
Habang tumataas ang income,
35:33.3
tumataas ang savings,
35:35.1
bago yung spending.
35:38.4
100,000 na income.
35:40.3
Ang formula mo na,
35:51.2
Ikaw nga nag-iisip,
35:55.2
hindi kami mag-upgrade.
35:58.2
kahit na binawasan natin
36:19.8
ang expenditure nyo
36:23.1
di hamak naman yun.
36:25.5
may natatabi kang
36:55.6
i-reveal ko na lang
36:58.1
mamaster po natin
37:02.1
pinaka-ultimate goal natin?
37:03.5
Ang pinaka-ultimate goal
37:08.8
yung level 1 to 5
37:15.8
Nag-iipon na siya
37:16.6
ng emergency fund.
37:21.2
na mawala ng work,
37:23.8
na pwede kang itawid
37:26.1
hindi ka maistress.
37:27.1
At yan ang gusto natin.
37:28.9
Freedom from stress.
37:32.7
isang kauponaryo po natin
37:34.2
na si Jeffrey Macabante.
37:36.2
ang financial status
37:37.2
dahil sa mga natutunan
37:38.8
at online courses.
37:41.9
Nagsasave siya ng
37:43.4
ang kanyang income.
37:44.6
Ginamit niya itong
37:45.8
income minus savings
37:46.7
equivalent to expense.
37:50.7
Proud na proud po
37:52.8
50 days ipon challenge.
37:59.6
ginamit naman niya
38:02.6
Pangalawa pa lang yan ha.
38:04.2
At pag-uusapan natin
38:05.4
yung third secret po.
38:09.3
Interesado mo kayo
38:10.0
matutong mag-invest?
38:12.3
on the next video.
38:14.4
sa secret number 3.
38:17.3
I'm sure mayroong mga
38:18.2
sa inyo nagsasabi,
38:19.3
ay gusto ko matutong
38:21.2
ano ba yung mga types
38:22.5
and how to start investing?
38:27.1
why should you learn
38:29.9
This is the reality.
38:31.5
Expectation natin,
38:32.3
gumanda ang buhay natin.
38:33.7
Pag nag-retire tayo,
38:34.5
maganda buhay natin,
38:36.8
Pero anong reality?
38:38.0
The moment you stop working,
38:39.8
you stop earning.
38:41.1
But you and your family
38:42.4
doesn't stop spending.
38:43.9
Kahit na kumita ka
38:44.6
ng hundreds of thousands
38:47.1
But the moment you stop,
38:48.8
titigil ang hundreds
38:51.3
and lifestyle ng pamilya mo,
38:52.5
hundreds of thousands.
38:53.6
Lahat ng ipon mo,
38:57.1
itong baso na ito
39:03.5
So anong goal natin
39:09.5
Kahit tumigil ka na,
39:10.7
may pumapasok pa rin pera.
39:12.5
Kahit nag-retire ka na,
39:13.3
may pumapasok na pera.
39:14.6
Kahit magta-travel ka,
39:15.5
may pumapasok na pera.
39:17.2
Kahit natutulog ka,
39:18.0
may pumapasok na pera.
39:19.7
That's the only way.
39:21.2
mag-retire one day
39:27.7
in the comment section
39:29.7
This is the challenge.
39:32.0
must come to a point
39:33.6
even while you are sleeping,
39:35.7
you are still making money.
39:37.8
If you cannot make money
39:40.0
while you're sleeping,
39:40.9
you cannot afford
39:44.2
The moment you stop working,
39:45.4
you stop earning,
39:46.0
but you don't stop spending.
39:47.6
Kailangan mag-isip tayo
39:50.4
kahit nagbabakasyon ka,
39:51.7
may pumapasok na pera.
39:55.1
dahil gusto mo lang,
39:56.0
hindi dahil kailangan mo.
39:59.3
anong ibig ko sabihin.
40:00.5
Meron akong ipapalabas
40:03.8
along the airport
40:05.7
ito ang isinier niya
40:09.2
about investments.
40:10.9
Let's watch this.
40:13.7
na nakita ko yung idol ko
40:15.5
related to financial literacy.
40:17.3
yung mga advocate mo.
40:22.6
I don't save anything
40:24.5
even I earning a lot,
40:25.6
yung labas-pasok lang
40:27.4
but nothing happened.
40:31.1
some of your books,
40:32.1
it changed my mind.
40:33.5
To be honest with you,
40:35.7
na kailangan ko mag-ipon
40:38.4
I started to save
40:43.2
purchase 13 units
40:47.0
to lose my job anymore
40:49.2
because I have my backup now.
40:51.5
because I want to,
40:52.9
not because I need to.
40:55.5
Thank you so much
40:58.8
Saan siya nag-invest
41:01.5
di na siya mag-OF
41:02.7
ay kikita pa rin siya.
41:05.7
probably you're asking
41:07.2
mag-invest, Jinky?
41:08.7
i-reveal na po natin.
41:16.1
Para mas mabilis,
41:18.6
kailangan mag-isip.
41:20.3
before I give you
41:21.7
some recommendation,
41:23.8
recommend any brand.
41:26.5
educational purposes only
41:28.3
before you invest
41:31.4
your own research.
41:35.6
inyong risk profile.
41:38.0
Hindi ito endorsement.
41:39.1
This is for educational
41:41.1
Ang pinaka-basic talaga,
41:42.2
kung gusto nyo talagang
41:43.0
huwag na kayo mag-iisip
41:44.1
ng low item lang,
41:46.6
pwede nyo na mag-umbisa.
41:53.9
Ang return nyo ito,
41:56.9
Minimum of 5 to 8 percent
41:58.8
interest per annum,
41:59.9
lock-in 5 years time.
42:03.2
Pag-aralan nyo na,
42:04.1
check nyo na lang sila.
42:06.7
Electronic banks.
42:07.7
Electronic banks right now,
42:09.1
they offer 3.5 percent
42:11.3
up to 6 to 8 percent
42:12.8
interest per annum.
42:13.9
Higher compared to
42:14.6
the regular banks.
42:15.7
Bakit sila nakapag-offer
42:20.7
wala silang empleyado.
42:22.6
So, yung budget na
42:25.8
pang bayad ng ano,
42:26.8
binibigay pabalik sa
42:29.1
Marami na po mga e-banks yan.
42:30.5
I-check nyo na lang,
42:31.1
i-google nyo na lang.
42:34.4
Again, this is not an endorsement.
42:36.0
Again, for educational purposes lang.
42:39.1
yung mga check nyo na lang po.
42:40.9
And make sure lang,
42:41.7
before you invest your hard-earned money,
42:43.6
make sure they are covered by
42:47.0
covered yung insurance.
42:49.1
na-recommendation ko personally
42:51.8
na talagang no-brainer,
42:53.0
at ito naman para sa mga tao
42:55.1
Just like the OFW,
42:58.3
you will never go wrong
43:00.1
And ikaw na lang,
43:01.1
while you're watching this video,
43:03.9
kung saan ka nakatira,
43:05.9
magkano property 10 years ago,
43:07.4
magkano na ngayon.
43:08.3
I can still remember
43:09.1
in the year 2008,
43:10.4
my parents sold their property
43:12.5
for 20,000 pesos per square.
43:18.9
ang per square sa New Manila?
43:27.3
You will never go wrong.
43:28.6
At marami pang iba.
43:32.2
paano ba akong matututo
43:35.2
I have a free session
43:43.8
You can watch this for free
43:45.0
and I will tell you later
43:47.1
paano magpapanood ng free.
43:48.8
ano po ang goal natin
43:54.5
multiply your money.
43:56.9
I want you to start
43:58.3
changing your way of thinking.
44:00.5
do not look at money
44:05.3
Money is not only
44:07.4
to buy what you want
44:08.6
or buy what you need.
44:11.2
I want you to change your mindset
44:17.0
Pag ikaw nagkaroon ka
44:18.8
anong ginagawa mo sa binhe?
44:21.0
anong ginagawa sa binhe?
44:23.8
Nakakita na ba kayo
44:24.9
na kinain ng binhe?
44:27.1
Kaya yan ang nangyayari
44:28.0
sa karamihan sa atin.
44:29.0
Hindi nag-i-improve
44:29.7
ang buhay po natin.
44:34.1
Dapat isipin natin,
44:35.1
itanim muna natin.
44:36.1
Patubuin muna natin.
44:38.2
dun tayo mag-enjoy.
44:39.5
To make my point,
44:40.6
pangarap ng bawat Pilipino,
44:43.3
magkaroon ng sariling
44:45.9
Pangarap ng bawat singkit
44:48.7
Magkaroon ng negosyo
44:49.9
para pambili ng bahay.
44:51.7
Ang gagawin namin,
44:54.1
Patutubuin muna namin
44:54.9
ang pera sa negosyo.
44:56.9
ang pera sa negosyo,
45:01.4
bakit tayo nag-i-invest?
45:02.9
The goal is to transfer
45:05.2
active to passive.
45:07.5
active to passive,
45:08.8
ano ibig sabihin?
45:09.5
Karamihan po sa atin,
45:10.9
nagtatrabaho tayo active.
45:13.3
The problem with this,
45:14.5
you stop working,
45:15.3
you stop getting paid.
45:17.7
even if you stop working,
45:19.1
you still continually earn.
45:21.3
Kung tatanungin kita ngayon,
45:22.9
habang ikaw ay nanonood,
45:23.8
ano mang gandang income?
45:24.6
Active or passive?
45:26.9
Siyempre passive.
45:28.3
Para sa mga taong gustong
45:33.0
freedom from stress,
45:34.8
ito ang gagawin ako.
45:35.7
Ito ang discard pay.
45:37.9
Transfer your income
45:39.4
from active income
45:40.5
to passive income.
45:43.2
ito ang gawin natin.
45:53.9
Transfer your income
45:54.7
from active to passive.
46:00.9
afford to retire.
46:02.5
Just like the OFW.
46:04.1
Kahit hindi na siya magtrabaho,
46:06.4
meron na siyang apartment,
46:08.1
kumikita na siya.
46:11.3
Tignan niyo yung story niya.
46:12.3
Three years na siya,
46:13.5
Silang dalawa breadwinners
46:22.0
Nakatulong pa sila
46:22.7
sa magulang nila.
46:23.7
May sarili pa lang
46:24.5
silang investment.
46:25.5
Isang kontrata na,
46:28.0
Wow, nakaka-proud naman.
46:34.8
Pero hindi pa tayo tapos.
46:37.8
Ano po yung pang-apat?
46:41.1
Grabe naman talaga.
46:43.6
at umapaw tong session na ito.
46:45.2
We have covered already
46:48.1
secret number four na po tayo.
46:50.9
how to save for emergencies
46:52.1
and planning for our retirement.
46:56.6
May kakalala ba kayo
46:58.9
nagka-COVID at na-hospital?
47:00.4
Magkano ang hospital bills?
47:02.2
Pakitype sa comment section.
47:07.3
Since walang protection,
47:08.8
binenta ang investment,
47:10.1
naubos ang emergency fund,
47:15.6
Kaya it's very important
47:16.4
kahit magroon lang
47:18.8
you need to learn
47:20.8
Because prevention
47:21.6
is better than cure.
47:24.6
way to protect ourselves?
47:26.6
I-reveal ko na po sa inyo.
47:28.4
kailangan mo magkaroon
47:30.8
non-life insurance,
47:31.8
financial planning,
47:32.7
and estate planning.
47:34.0
Yung mga ganitong pangyayari,
47:35.1
it's not a matter of if.
47:37.8
It's a matter of when.
47:38.8
Kailan mangyayari.
47:40.2
Oras na may magkasakit.
47:42.2
Uubusin talaga natin
47:44.3
nangungutang tayo
47:45.8
ng ang may karamdaman.
47:46.9
Wala kang health insurance.
47:48.4
Ang hira po talaga yan.
47:51.5
mataas and everything,
47:52.4
pero ito lang sabihin ko po sa inyo.
47:54.8
gagawa po ng ano.
47:59.1
ang mawawala po sa atin
48:01.8
ito pinaghandaan.
48:06.4
Ito yung pinakamasakit na parte.
48:08.1
Especially if you don't learn
48:09.3
how to protect yourself.
48:10.8
It took you a lifetime
48:12.1
to earn the money.
48:13.3
It took you a lifetime
48:14.5
to save the money.
48:15.7
But it only takes you
48:18.7
all of your money.
48:20.0
And I don't want that
48:21.4
because it happened to me
48:24.4
nagkasakit ang misis ko.
48:25.8
21 days kami sa hospital.
48:27.8
Bukat na long story short,
48:29.1
wala akong health card.
48:31.0
I have to borrow money.
48:31.9
And it took me 3 years.
48:33.0
3 years to pay it back.
48:34.8
Kaya ayokong mangyari
48:40.0
na nakikinig po ngayon?
48:41.4
Have you ever thought
48:42.8
I'm a breadwinner myself.
48:44.6
something happens to me,
48:47.1
what I'm doing right now
48:48.2
and earn the same money
48:49.1
that I'm earning?
48:51.0
The answer is no.
48:52.3
So ano ibig sabihin?
48:53.5
I'm a walking time bomb.
48:55.2
something happens to me,
48:56.6
my family will grow
49:01.8
income replacement fund.
49:04.0
income replacement fund?
49:06.1
something happens
49:06.8
to the breadwinner,
49:08.0
the family will continue
49:10.7
the monthly income
49:12.5
by the breadwinner
49:13.2
as if he never left.
49:14.9
Ay, paano ba yan?
49:16.1
Ito yung good news.
49:18.1
May free session ako
49:22.3
Yung how to retire
49:24.0
How to retire at 50,
49:25.4
mapapanood nyo ito
49:26.9
And I will reveal to you
49:28.0
ano itong income replacement
49:35.2
ano yung ultimate goal po
49:36.3
natin sa protect?
49:37.4
Ang ultimate goal po
49:38.3
natin is to protect
49:41.0
Yung pinaghirapan mong
49:42.5
hindi mapupunta lang
49:45.1
Tingnan nyo itong
49:45.6
mag-asawang itong
49:47.7
ng pang health insurance
49:53.7
Maraming salamat po.
49:58.9
Itong chip method na ito.
50:02.2
Matuto kang gumawa
50:03.5
Kahit magaling kang gumawa
50:04.6
pag hindi ka marunong
50:06.6
ubus ang iyong pera.
50:08.0
Kahit magaling kang mag-create
50:09.3
mag-handle ng pera,
50:10.0
pag hindi ka matuto
50:10.7
mag-invest ng pera,
50:13.7
Because the moment
50:14.3
you stop working,
50:15.0
you stop earning.
50:15.6
You don't stop spending.
50:16.5
Kahit magaling kang mag-create,
50:19.3
to protect your money,
50:24.1
Pakitype lang kung maganda,
50:26.3
o magandang maganda.
50:28.2
So, what have you learned
50:31.1
ng yayaman in life?
50:33.8
how are you going there
50:34.6
through the chip method?
50:36.7
who gathered this information,
50:40.1
sobrang okay na ito.
50:43.6
you can already start
50:45.5
Pwede mo nang umpisa
50:47.1
You can do it on your own.
50:48.6
I think this information
50:49.6
is enough already.
50:51.3
Independent ka na,
50:53.3
But for some of you
50:56.1
I still need guidance
50:57.9
Because I do believe
50:58.6
success comes faster
50:59.9
kung may kasama ka,
51:01.3
kung may mga magtuturo
51:02.3
at magaguide sa inyo,
51:04.1
at kung meron kang
51:04.9
tinatawag na community.
51:07.0
At para mga sa mga tao
51:11.3
you don't have to proceed
51:14.6
Pero para sa mga tao
51:18.8
I want to be coach,
51:19.8
I want to be guided.
51:21.3
If you want to be part
51:24.3
may maganda akong balita.
51:28.0
a private community,
51:29.2
an exclusive community.
51:31.1
Ito yung tinatawag natin
51:31.9
na TYL community.
51:34.3
Ano itong TYL community?
51:35.9
Kung kayong interesado,
51:37.2
let's watch this video.
51:38.5
Napakaganda talaga
51:40.7
Now, let me ask you,
51:44.5
Ito ay makakatulong sa iyo
51:46.6
umaasa po sa inyo.
51:48.7
sa comment section.
51:49.9
And sino po sa inyo
51:52.8
and guide you personally?
51:54.1
Ito ay mas mapapabilis
51:56.8
ng tinatawag nating
51:57.7
financial freedom.
51:59.8
kung naniniwala kayo.
52:01.3
And the reason why
52:02.0
I'm asking this question
52:03.0
dahil marami na po
52:04.4
ng aking coaching
52:05.5
and mentoring session.
52:06.8
But I just really feel
52:08.1
that I need to help
52:10.1
willing to be helped.
52:11.8
napakahirap tulungan
52:13.2
na hindi pa handa.
52:14.3
Kaya para sa mga taong
52:17.1
at kung ikaw ay handa na,
52:19.4
in the comment section.
52:20.6
At kung ikaw ay nagtatype na
52:21.9
meron akong good news,
52:23.3
I would like to share with you
52:35.9
Filipino to become
52:36.6
wealthy and debt-free.
52:37.6
Ito yung tinatawag natin
52:38.3
na TYL Community.
52:39.8
The Yayaman in Life Community.
52:41.5
Ang goal natin dito
52:42.4
is financial freedom
52:51.8
At sino na mga taong
52:52.9
na tulungan ko po
52:53.9
sa aking financial journey?
52:56.9
sa akin ni Mr. Chinky Tan.
52:59.9
Mahirap lang kami eh.
53:01.3
Nakita ko yung content niya.
53:04.8
I have 22 branches
53:06.9
Dahil lang sa mga
53:07.8
magagaling na taong to
53:10.3
Nagustuhan ko yung talk
53:12.3
Mas na-enlighten ako
53:16.8
magkakaroon na ako
53:18.6
So, in order for you
53:19.6
to be successful,
53:20.8
kailangan humble ka.
53:22.0
At the same time,
53:23.0
kinaghihirapan mo.
53:29.4
I'm so blessed na
53:30.7
na-meet ko yung person
53:31.8
si Mr. Chinky Tan.
53:33.7
Sa dami ng mga sinabi niya,
53:36.6
Isa sa pinakamagandang
53:38.1
narinig ko sa kanya
53:39.1
is maging blessing
53:41.9
ng purpose in life.
53:44.9
So, kaya na marinig
53:47.5
Hungry for money,
53:50.2
and for significance.
53:52.5
lagi siya nagagaling
53:54.8
Yung mga prinsipyo niya,
53:56.6
sa pag-iipon, no?
54:00.1
Even yung mga books niya,
54:02.3
kasi napaka-practical.
54:04.1
Kayang-kaya mo siyang
54:06.1
at kayang-kaya mo siyang
54:08.4
Kaya, thank you so much
54:09.3
po, Sir Chinky Tan.
54:10.7
And on top of that,
54:13.4
directly from me,
54:14.4
you will also get
54:17.9
coaching session.
54:20.2
ma-experience yun
54:21.0
sa personal group
54:21.8
coaching session po natin?
54:24.0
Nakikita ka lang namin
54:26.0
We're following you.
54:31.4
So, parang salamat talaga.
54:32.7
Kailangan din natin
54:34.6
kagaya ni your community.
54:37.0
We're learning from
54:41.4
Sobrang liberating po
54:42.9
nung session na to
54:46.3
Ang pinaka nag-struck po
54:55.9
or yung opportunity
54:58.3
Kasi yung fear natin
55:01.0
overwhelming siya,
55:02.7
mas nakakatakot pala
55:03.9
yung consequences
55:07.1
yung mga fears natin.
55:09.7
ng TYL community,
55:11.9
group coaching session,
55:13.1
sa learning session,
55:14.0
you will also have
55:14.4
nine big bonuses.
55:16.4
Bonus number one,
55:17.2
yung tinatawag kong
55:17.8
Chink TV All Access.
55:19.5
This is the Netflix
55:20.3
of financial education.
55:24.4
yung how to retire
55:25.9
business for everyone,
55:27.8
paano mag-invest,
55:29.0
ano yung mga patok
55:29.7
na pagkakakitaan,
55:31.5
yung mga experts,
55:32.8
mga resource speakers
55:34.7
to enlighten you.
55:35.9
Ang total value po
55:37.0
ng Chink TV All Access
55:42.1
And on top of that,
55:45.1
yung tinatawag kong
55:45.8
Kayo Ko Pala Challenge.
55:47.3
Bonus number two,
55:48.3
you will experience
55:50.0
Fast Start Challenge.
55:52.3
where you will discover
55:53.3
how to revolutionize
55:54.7
your financial wellness
55:56.3
in just five days.
55:58.6
Sa loob ng limang araw,
55:59.9
gawin mo lang to,
56:01.7
yung financial perspective mo.
56:03.3
Ang value ng session na ito
56:04.6
is over 10,000 pesos.
56:06.8
Bonus number three,
56:08.2
meron na po rin tayo
56:09.2
yung 90 Days Challenge.
56:11.0
This is where we will use
56:12.9
i-implement natin
56:14.2
para ikaw ay makamit muna
56:16.3
ang iyong financial freedom.
56:23.4
ni Sir Ching Titan,
56:24.6
super ganda niya.
56:26.0
Yung pinag-connect-connect
56:27.2
niya na yung chip,
56:28.3
yung sa chip method
56:30.8
Feeling ko talaga
56:31.4
mas effective siya.
56:32.9
Ang naiintindihan ko po
56:35.3
and handle your money.
56:37.6
Ang pinaka nagustuhan ko
56:43.3
lahat naman important.
56:44.2
Pero pag wala si protect,
56:46.9
talagang kukuha lahat.
56:48.0
There's a really,
56:48.6
really valuable message
56:49.7
that he shared with us.
56:51.3
Don't invest the money
56:52.6
that you can't lose.
56:53.7
Which means in short,
56:55.0
what he's saying is,
56:56.8
that you can't afford to lose.
56:59.0
Ang gusto ko dun is
56:60.0
the property investment.
57:03.1
Kasi totoo naman na
57:04.4
pinakamagandang i-invest
57:08.5
kasi after a few years,
57:11.5
tinataas ng value ng pera.
57:16.3
mag-handle ng pera,
57:18.5
and siyempre yung last,
57:21.6
our hard-earned money.
57:23.1
I think the most,
57:24.2
stood out most for me
57:28.0
that you have to make
57:31.6
if you don't change,
57:32.4
you become extinct.
57:34.3
ng session natin na ito
57:35.7
for the 90 days challenge
57:37.4
is over 10,000 pesos also.
57:39.9
And on top of that,
57:40.8
marami pang bonuses.
57:44.2
tutoong mag-ipon,
57:45.1
may 60,000 ipon challenge po tayo.
57:47.2
Gusto mo bang matuto
57:48.6
may budgeting challenge po tayo.
57:51.5
ikaw ba ilubog sa utang?
57:52.9
Meron tayong utang free
57:54.0
or debt free challenge.
57:56.9
ito yung pinaka-favorite part ko,
57:58.7
double your income challenge.
58:01.0
Para sa mga taong
58:01.7
gusto madagdagan yung income,
58:03.4
this is the session for you.
58:06.0
namang may pera na,
58:07.3
hindi alam kung anong gagawin.
58:09.3
investment challenge.
58:11.7
at paano ka magiging wise
58:14.2
And last but not the least,
58:15.5
may protection challenge
58:17.7
Ito yung tinatawag natin,
58:18.7
pangalagaan po natin
58:19.8
ang pinag-ipon natin
58:23.9
ng mga challenges na ito
58:25.2
nasa over 15,000.
58:27.4
And probably some of you
58:29.0
how soon can I see the result?
58:30.4
May mga iba sa inyo,
58:31.8
mga iba, 6 months,
58:33.3
Depends sa dedication
58:34.3
and commitment nyo
58:35.4
while doing this program.
58:38.1
a get-rich-quick scheme.
58:40.4
So, maybe some of you
58:41.5
are asking naman,
58:42.5
masyado rin akong busy,
58:44.2
na mapanood lahat
58:45.3
yung mga video na
58:48.7
Huwag kayong mag-alala.
58:49.8
Self-paced po ito.
58:52.1
anytime, anywhere.
58:53.9
group coaching sessions
58:55.1
are all recorded.
58:56.7
So, wala kayong mamimiss.
58:58.5
Why join our community?
59:00.6
pain-free learning.
59:01.8
Hindi mo na kailangan
59:03.2
At the same time,
59:04.0
effortless access.
59:05.1
Kahit kayo nasa team abroad,
59:07.4
anytime, anywhere.
59:08.8
And napaka-simplify po
59:13.5
So, kung i-re-recap po natin,
59:16.0
ano bang makukuha mo
59:16.9
sa program na ito?
59:18.7
monthly group coaching
59:19.7
sessions with me.
59:21.7
Php 60,000 ang value.
59:23.7
You have exclusive community
59:25.0
of like-minded people.
59:27.2
How much the value?
59:29.0
Peer accountability?
59:31.4
And meron ka pang
59:32.1
nine big bonuses.
59:33.5
Umpisaan ulit natin
59:34.4
sa Chink TV All Access,
59:38.7
5-day fast start challenge,
59:41.5
90 days challenge
59:45.4
Php 60,000 ipon challenge,
59:47.3
budgeting challenge,
59:48.8
utang free challenge,
59:50.5
double your income challenge,
59:51.8
investment challenge,
59:52.9
and protection challenge.
59:54.3
That's Php 2,500 each.
59:55.9
So, pag tinotal po natin,
59:57.2
ang total value po nito
60:00.1
Yung sa exclusive
60:01.2
group coaching pa lang,
60:04.4
At yung mga kaya ko po
60:06.3
total value po nito
60:08.9
So, ang total value
60:10.6
na mga tatanggap mo
60:11.4
sa exclusive community
60:13.7
is over Php 135,000.
60:16.8
And maybe you are asking
60:18.4
nako, magkano naman to join?
60:20.7
this is where it gets exciting.
60:22.6
Hindi mo kailangan
60:28.6
I'm talking about
60:29.8
an unbelievable deal.
60:32.4
na you can just join us
60:38.8
Yes, that's only 10%
60:40.2
of the Php 135,000.
60:43.9
I want you to wait
60:45.7
because I have a special gift
60:47.1
for you and a special offer
60:49.5
itong video na ito.
60:50.6
So, let me ask you
60:53.8
naniniwala ba kayo
60:55.0
if I can help you
60:56.2
to double your income
60:57.6
in one year time,
61:02.2
in the comment section.
61:04.7
mag-invest ng Php 13,599
61:06.3
so that you can learn
61:08.0
on how to earn money
61:09.1
while you're sleeping?
61:17.4
ay magkakaroon ka
61:21.5
So, if you're saying yes,
61:22.8
dalawa lang choice mo
61:26.2
you can do it on your own
61:27.3
and trial and error method
61:28.8
and you keep on getting
61:30.8
over and over again
61:33.5
Or the second option,
61:34.9
you do it with us.
61:38.0
at marami na kaming
61:39.8
What do you think
61:40.3
is the better choice?
61:45.7
nagsasabing choice number two,
61:49.4
Since kayo may dalawang choices,
61:50.8
ako may dalawang choices
61:52.5
Choice number one po,
61:54.2
program for free.
61:56.0
this is what I've experienced.
61:57.4
When you give something
61:58.6
walang commitment
62:00.1
they take it for granted.
62:01.8
Or second choice,
62:03.6
reasonably priced
62:05.2
that I can attract
62:07.6
who are truly committed.
62:09.5
What do you think
62:10.0
is the better choice
62:11.6
Choice number one?
62:12.6
Or choice number two?
62:14.5
Pakit-type na lang
62:16.3
that choice number two
62:17.3
is also better for me,
62:19.0
ito yung gagawin ko.
62:20.0
I'm going to present
62:21.9
that is impossible
62:22.8
for you to resist.
62:24.0
Para mas mapadali
62:24.9
ang pag-discution mo,
62:26.3
di ba yung original
62:27.7
na pinag-uusapan natin
62:31.5
Since I promise you
62:32.6
that I want to reward you
62:33.9
for finishing this presentation
62:37.7
let me reduce the price
62:39.3
at tanggalin na lang
62:45.5
gawin na lang natin
62:48.5
Yes, that's a discount
62:52.6
Ang P3,599 ba yan
62:54.6
No, that's per year.
62:55.5
That's only P300 per month.
62:59.5
Para ka lang umiinom
63:00.2
ng favorite coffee mo
63:08.9
So what will you receive
63:12.2
Coaching session with me?
63:14.7
Super excited ako dyan.
63:16.7
online community.
63:17.6
May accountability partners ka.
63:20.6
meron kang online demand
63:25.2
step-by-step guide
63:27.9
financial freedom
63:29.9
from financial stress
63:31.1
using the CHIP method.
63:33.2
My question to you is this.
63:40.8
na gusto kong sabihin po
63:43.9
since we are really
63:45.1
committed to your success.
63:46.9
We want to offer you
63:47.9
also a risk-free commitment.
63:50.6
by risk-free commitment?
63:53.3
of following our advice.
63:57.1
wala ka nakitang improvement.
63:58.4
Hindi ka nakaipon,
64:00.2
Hindi ka pa nakapag-budget
64:01.6
at walang nangyari
64:03.5
financial situation mo.
64:05.2
We have a money-back guarantee.
64:08.4
What does it mean?
64:09.5
We will refund to you
64:13.4
So ano pang hinihihintay nyo?
64:15.2
I believe that this will be
64:16.6
a life-changing decision
64:19.2
It has changed a lot
64:20.1
of people's lives
64:20.9
and I know it will change yours.
64:23.1
So join our risk-free
64:24.2
PYL Group Coaching Community.
64:26.0
All you need to do is
64:26.8
just click on the link below
64:28.6
Check nyo na lang
64:29.7
or scan nyo na lang
64:30.4
itong QR code na ito
64:31.7
and you can start
