* AI ("Artificial Intelligence") subtitles on Tagalog.com are generated using "Whisper" by OpenAI (the same company that created ChatGPT and DallE2). Results and accuracy may vary.
* The subtitles do include errors occasionally and should only be used as a tool to help with your listening practice.
* You can request this website to create a transcript for a video if one doesn't already exist by clicking the "Request AI Subtitles" button below a video. Transcribing usually takes 30-40% of the length of a video to complete if there are no other videos in
the queue. For example, a 21 minute video will take 7-8 minutes to transcribe.
* Running a super fast cloud GPU server to do these transcriptions does cost money. If you have the desire and financial ability, consider
becoming a patron
to support these video transcriptions, and the other tools and apps built by Tagalog.com
00:00.0
Ipon natin, dapat ang umiip natin dyan ay gagawin natin in the future.
00:04.4
Ano ba yung kinaka-excite mo sa mag-travel, mag-vakasyon?
00:08.3
Yan ang pag-iiponan mo.
00:10.3
Dapat ay ipangun natin yung piret mga mag-iipon.
00:14.1
So ang dapat natin gawin ngayon talaga ay magsimulang mag-iipon.
00:22.0
So pagsimulan ng mag-iipon,
00:26.4
Tore, huwag niyo na magpaliban.
00:28.5
Huwag niyo na magsasabing bukas, ganyan.
00:30.9
Ngayon na yun, diba?
00:33.0
The best time to start is now.
00:34.7
At magkaroon tayo ng purpose.
00:38.2
Mag-iipon ng paunti-unti.
00:40.5
Dahil pag-on yung gym lang yun.
00:43.7
Pagbibiglayan mo yung sarili mo.
00:45.3
Nakapagod ka agad yun.
00:47.5
At kasi ako naniniwala talaga na
00:49.8
ang pinakabilis na paraan na pagyaman
00:52.9
ay kung tayo po ay magnadahan.
00:57.8
So yan po yung ating mga paraan
01:01.3
para tayo magsimulang makapag-iipon.
01:04.9
Sir Vince, bago tayo magsumusunod, no?
01:06.9
Gusto ko lang nabalikan natin yung sinabi mo.
01:08.7
Kasi napakaganda na magkaroon ng purpose
01:12.6
Yung parang kapag ikaw meron kang gustong-gusto
01:15.1
talaga mangyari kung mabili.
01:17.3
Maganda yun na maging incentive mo sa sarili mo.
01:20.0
Diba? Para ikaw ay magsimula talaga
01:21.5
at ganaan sa pag-iipon.
01:24.0
Kasi ang mangyayari ko talaga dapat dyan
01:26.2
ang gagawin natin ay
01:28.6
So kung yung, umari,
01:32.4
yes, ayan yung gawin mong purpose
01:34.3
na pwede na hindi na mag-iipon
01:35.8
kapag gano'n gagawin mo.
01:39.0
So, ito yung mga budgeting rules natin
01:42.9
So, para din sa mga
01:44.5
nasa financial startup stage,
01:46.6
5, 10, 85 budgeting rules
01:48.5
ang gagawin natin yan.
01:50.1
Maximum 5% of income for insurance.
01:53.2
Minimum 10% naman of income for state.
01:56.8
Maximum 85% of income for expenses.
02:00.0
At ito ay suggested for families
02:02.6
with less than 25,000 pesos na monthly.
02:06.4
Sir, guys, marami ang actually pasok dyan.
02:09.4
Mga minimum wage earners,
02:11.6
daily workers karaniwan,
02:13.9
pasok na pasok dyan.
02:15.0
Actually, nasa mga 90% ng mga Pilipinas.
02:21.8
Ang next naman natin,
02:23.2
yung mga nasa financially secure.
02:26.2
So, ito nga yung typical natin
02:28.2
ng 5, 10, 20, 60 budgeting rules
02:30.9
5% maximum of income
02:33.2
ay para sa insurance.
02:37.2
Minimum 20% of income
02:38.8
for investments naman, Sir Vince.
02:40.7
At maximum 60% for expenses.
02:43.8
Ito naman po ay suggested
02:46.6
with greater than
02:48.8
25,000 pesos na monthly.
02:52.8
At marami-marami din naman tayo
02:54.1
mga kababayan na nandyan.
02:55.1
Lalo na sa mga nakikinig sa atin.
02:56.7
At yung mga OFs na
02:58.4
na mga kasamahan.
03:02.1
hindi gusto kong survey.
03:05.3
sa financially sustainable.
03:07.5
Pwede, Sir Vince.
03:08.6
Which is 5, 35, 60
03:12.7
maximum 5% of income
03:14.0
for insurance pa rin.
03:21.6
Dahil ito naman po,
03:22.7
ang tinitignan natin
03:26.7
emergency savings
03:29.6
9 months of their expense.
03:33.4
makapagsubin na tayo
03:36.2
emergency savings.
03:38.2
ang titignan na natin
03:39.6
ay diretsyo na sa
03:40.6
emergency savings.
