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00:00.0
Kapatid, pagod ka na ba na parang feeling mo trapped ka na sa iyong finances?
00:06.0
In other words, umabot ka na sa punto na talagang di ka na na kumakain, di ka na na nakakatulog, na-stress ka na?
00:11.1
And are you already financially depressed?
00:14.5
In this episode, pag-uusapan po natin paano malaman kung ikaw ay financially depressed na.
00:19.5
Videos that will make you wealthy and debt-free.
00:26.3
Hi there, this is Chinky Tan, your Pambansang Wealth Coach.
00:29.2
Today, I would like to especially address people who are financially stressed or even probably depressed na hindi mo alam.
00:35.6
Alam nyo, minsan pag tayo po ay nagdi-depressed po, minsan feeling natin di na tayo makawala sa ating financial situation.
00:43.1
Lalo na kung lubog, nalubog ka na talaga sa utang, hindi mo alam kung anong gagawin mo.
00:47.3
Pero ito yung magandang balita.
00:49.0
Overcoming financial depression is really possible, especially kung feeling mo overwhelmed ka.
00:53.7
So right now, first, kailangan malaman muna natin kung ikaw ay financially depressed.
00:58.3
So I want to make a survey right now and I want to check kung nasaan ka na ngayon.
01:03.2
And then after that, allow me to present to you kung paano ka makakalabas sa financial depression.
01:08.8
So kung ready ka na, please type ready right now in the comment section.
01:12.8
Please get a paper and a pen, ipost nyo muna itong video na ito, kumuha muna kayo ng paper and pen para tayo ay makapagsulat.
01:18.3
Number one, paano malaman financially depressed ka?
01:20.6
You worry about bills, utang, pagkatapos niya talagang hindi mo alam kung ano na gagawin.
01:26.4
May anxiety ka na.
01:28.3
Kung nang anxiety attack, that's number one.
01:30.5
Number two, ayaw mo nang buksan ang mga bills mo, ayaw mo na i-check yung mga messages mo dahil alam mo, wala kang pambayad.
01:37.4
Ang tawag niyan, avoidance behavior.
01:39.5
Number three, nagbabago na yung pending habits mo.
01:42.7
In other words, sobra ka nang ayaw ng gumastos, napaparanoid ka na pag gumagastos ka.
01:47.5
Parang feeling mo, pag ginastos mo ito, paubos na talagang pera, naistress ka na.
01:51.8
Pang-apat, hindi ka na nakakatulog, may insomnia ka na, di ba yung sleep patterns mo, nagbabago na po siya.
01:58.3
Meron ka na tinatawag na physical symptoms, naistress ka na, sumasakit ng ulo mo, tumitigas na yung balikat mo.
02:04.4
Number six, ikaw naman nagkakaroon ka ng relationship strain sa mga kaibigan, kamag-anak, mahal mo sa buhay, parang gusto mo na mag-isa.
02:11.4
And then, number seven, sobra ka nang overwhelmed na talagang to the point.
02:15.5
To the point, nag-iisip ka nang hindi magaganda.
02:18.6
From one to seven, okay, pakitype lang kung ano ang score mo from one to seven.
02:24.1
Ulitin ko ha, number one, anxious ka na, nag-aalala ka tungkol sa mga bills.
02:28.3
Wala ka pang bayad sa utang mo, tapos umiiwas ka na sa tao, umiiwas ka na sa mga kaibigan mo.
02:33.8
Number three, nagbabago na yung spending habit mo, sobra ka nang kuripot, di ba?
02:37.9
Number four, hindi ka na makatulog.
02:39.6
Number five, meron ka ng physical symptoms, di ba?
02:43.0
Hyperacidity ka, tension, muscle tension, and everything.
02:45.7
Number six, mga taong mga mahal mo sa buhay, inaaway mo na.
02:49.2
And then, number seven, sobra ka na talagang stressed and overwhelmed.
02:52.5
Kung ikaw ay nasa score ng at least, ha, one to two years, still okay, but you need help already.
02:58.4
Pag three to four, ay medyo danger zone ka na.
03:01.1
Five to six, medyo critical level ka na.
03:03.7
Number seven, severe ka na.
03:05.1
So, pakitype lang sa comment section kung ano ang score level mo ngayon.
03:08.5
So, if you are right now in that situation, you need help.
03:11.8
And I'm here to help you right now.
03:13.5
That's the reason why medyo mahaba-haba tong session na ito.
03:15.8
Please, please, tapusin nyo to.
03:17.7
I do believe, makakatulong po to sa inyo.
03:20.0
So, ano yung kailangan po natin gawin, step by step, in order for us to get out.
03:25.0
Actually, there are five steps already in order for you to get out.
03:28.1
To financial depression, number one step is acknowledge.
03:31.8
Acknowledge first that you have really a financial problem.
03:34.4
The only way you can solve a problem if you admit that there's a problem.
03:37.3
The only way that you can be cured if you admit that you are sick, agree or disagree.
03:41.5
Normally kasi pagka dumadadaan na tayo sa ganyan, sa mga financial stress and challenges, denial.
03:47.6
Deny-deny muna natin eh, di ba?
03:49.3
Ito lang po ah, if you do not acknowledge na wala kang problema, magkakaroon ka ng problema talaga in the near future.
03:56.3
You have to already take.
03:58.0
You have to already take.
03:58.1
You have to already take ownership that this is really a real situation.
04:02.2
Again, denying the problem will not make it go away.
04:04.9
Denying the problem will just make it worse.
04:06.9
Pero pag hindi mo ina-admit yan, alam mo, hindi mo talaga ma-address yan.
04:10.8
That's number one.
04:11.7
Step number two na tayo, after acknowledge, admit.
04:14.7
Admit that you are responsible.
04:16.8
When you say responsible, ito lang pong pakiusap ko po.
04:19.5
I'm going to tell you this in love, hindi dahil huhusgahan kita.
04:23.7
Honestly, wala naman akong pakinabang kung huhusgahan kita, hindi naman kita kilala eh.
04:27.5
Stop blaming others for the financial mess that you are in.
04:31.2
Ultimately, we are still responsible.
04:34.1
Probably, oo, inutang sa iyo yan na nangako na babayaran ka.
04:38.5
Pero pumayag kayo.
04:39.6
Number two, tumulong ka sa mga kamag-anak mo na nangako sila na babayaran ka.
04:46.5
Let me tell you again this.
04:48.0
Ayoko kasing masaktan pa kayo dahil nga nasa critical na situation na nga kayo.
04:52.4
Yung financial situation mo is a reflection of the decisions and choices that you have.
04:57.4
That you made in the past.
04:58.8
Kaya nga, minsan may mga mali tayong desisyon or mga habits.
05:02.6
That's the reason why kailangan po natin i-admit na kailangan may participation po talaga tayo.
05:08.0
Again, this is not to condemn you guys, but to really tell you na talagang kailangan you accept responsibility.
05:15.0
Okay, so right now, let me ask you this question.
05:18.1
Nasa proseso ka na ba na pwede mo nang sabihin na una,
05:21.5
sino sa inyo nag-acknowledge na meron na talaga kayong financial problem?
05:25.2
Type me sa comment section.
05:27.1
Pwede mo bang sabihin, i-admit na talagang responsible ka?
05:32.6
Step number three na po tayo.
05:34.0
After you acknowledge and admit, number three, accept.
05:36.8
Accept that you are in this situation right now.
05:39.1
You are not in a good situation and accept that you are feeling depressed.
05:43.9
Kailangan po natin i-confront yung feelings po natin.
05:46.8
Acknowledge mo na talagang na-stress ka na, na-anxious ka na.
05:50.2
Ang importante talaga na kailangan po natin i-acknowledge and accept yung feelings po natin.
05:55.1
Minsan kasi tinidenay natin.
05:58.2
Ayaw ko maging negative.
05:59.3
Nati-depress ka na, kapatid.
06:00.8
Pumapasok ka na dun.
06:02.2
Yung pagka sa one to seven, ang taas ng score mo, nandun ka na eh.
06:06.2
Kaya ang tanong ko, anong gusto mo nang gawin right now?
06:09.2
Right now, you have a choice.
06:10.4
Again, to ignore it, to bury it.
06:12.7
Pero alam mo, walang mangyayari.
06:14.4
So, Chinky, ano yung next step ko?
06:16.2
The fourth step is this.
06:18.5
When you say act on it, let us already try to face the problem and find solution to your problem.
06:25.2
Ito yung pinakamahirap eh.
06:26.5
Harapin yung problema, harapin yung obligasyon, harapin yung responsibilidad.
06:30.9
Dahil natatakot tayo, baka mahusgahan tayo, natatakot tayo kung ano sabihin sa atin.
06:35.4
Natatakot tayo kung ano magiging consequences.
06:38.3
Well, kailangan talaga natin harapin.
06:40.2
Agree or disagree?
06:41.2
Type agree sa comment section kung kayo nag-aagree.
06:43.6
And anong pakiusap ko lang po ah?
06:45.2
Pag sinabi mong, Chinky, sige, handa ko na.
06:47.3
Harapin tong kapalpakang ko, nangyari na talaga sa akin.
06:50.5
Katangahan ko to, kasalanan ko to.
06:52.3
Okay, admit mo na.
06:53.5
Responsible ka na.
06:55.2
With this process, if you want really to have a solution,
06:58.1
itong pakiusap ko, you cannot solve a permanent problem with a temporary solution.
07:03.7
You got to solve a permanent problem with a permanent solution.
07:08.1
Type agree if you agree.
07:09.4
Kaya ang pakiusap ko po sa inyo, stop looking for shortcut and start putting it into work.
07:14.4
Walang shortcut sa success.
07:16.6
Wala yung mangungutang ka ulit para pambayad ng utang.
07:19.6
Wala yung susugal ka ulit para may bigla kang kita.
07:23.6
Stop searching for easy solutions.
07:26.3
It requires, number one, again, hard work, humility, dedication, consistency, perseverance.
07:32.9
Ang financial depression po, in reality, it won't not disappear overnight.
07:37.7
Kaya nga, kailangan mo talagang proseso.
07:40.7
You got to do the grind.
07:42.2
You got to start building from zero and from scratch.
07:45.7
Chinky, nakakatakot naman eh.
07:47.1
Paano kung di siya mag-work?
07:48.2
This is number five comes into play.
07:50.7
Ito yung pinakamahalaga.
07:52.6
As I mentioned, ano yung five A's nito?
07:54.8
First A, acknowledge.
07:56.5
Acknowledge mo na may problema ka.
07:58.1
Number two, admit na responsible ka.
08:00.2
Number three, accept na may feeling na de-depress ka na talaga.
08:04.6
Number four, act on it.
08:06.3
Gawa mo ng paraan.
08:07.4
Number five, ito yung pinakamahalaga.
08:09.6
Kung gusto nyo maayos to, ask God and others for help.
08:13.1
You do not know, this financial depression that you are feeling is a wake-up call for you to get your life together.
08:19.0
Stop complaining already and start hustling.
08:21.3
Hindi mo na naiintindihan.
08:22.7
This financial depression of yours is God's way of telling you that you need to change.
08:27.8
Kailangan mo na magbago, di ba?
08:29.9
Wake-up call mo na ito eh, kapatid.
08:31.6
Pero ito yung good news.
08:33.0
Temporary setback lang ito.
08:34.5
Itong nararamdaman mo, yes, ang laki milyon ng utang mo, yes.
08:38.5
Hindi mo pwede sabihin, Chinky, na hindi ko naiintindihan.
08:41.2
Hindi ko naiintindihan.
08:42.3
Pero naiintindihan ni Lord.
08:43.6
This is not a life sentence.
08:45.3
It is time for you to really trust God that God can bring you out of this situation
08:49.5
because only God will never leave you nor forsake you.
08:52.3
People can turn their backs from you, but God will never leave you nor forsake you.
08:56.6
Believe me, I was a product of financial depression in the past.
09:00.5
And I was able to get out.
09:03.4
Una, in-acknowledge ko na may problema ako.
09:05.7
Number two, in-admit ko na responsible ako.
09:08.0
In-accept ko na itong nararamdaman ko, depressed ako.
09:10.9
Number four, ginawang ko ng paraan.
09:13.2
And number five, I ask God and I ask people for help.
09:16.6
Let me tell you this, my friends, mga kaiponaryo.
09:19.0
When you embrace this step-by-step, itong five-step na ito,
09:22.0
you can break free from the grip of financial depression
09:25.0
and live a more fulfilling life.
09:27.4
Believe me, for this light and momentary troubles
09:30.1
can far outweigh the promise of God that He can set you free
09:33.9
from this financial stress and financial debt you are experiencing.
09:38.0
Ang kailangan mo lang, magtiwala.
09:39.8
Ang tanong ko, handa ka na ba magtiwala?
09:41.9
Hindi sa akin, kundi sa kanya.
09:43.7
Pag ang sambi mo, handa ka na, type handa na sa comment section.
09:46.7
So I want you to share and pour out your feelings in the comment section
09:49.9
kung ano ang na-realize mo.
09:52.0
Ito ay aksidente na napanood mo lang itong video na ito
09:55.0
at nakaminister ito sa iyo, nakatulong ito sa inyo.
09:57.5
Do me a big favor, i-cut-paste mo naman itong video,
09:59.9
i-post mo naman sa social media account mo
10:01.8
or i-share mo ito sa mga friends mo
10:03.3
na alam mo may pinagdadaanan na na-financially depressed na
10:06.6
at naghahanap na ng kasagutan.
10:08.5
Ito na maari, maari ang kasagutan niya.
10:11.1
Tatandaan, tamang karunungan, tamang disiplina,
10:13.7
ang susi sa pagyaman.
10:22.0
Thank you for watching!
