* 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
Sino po sa inyong gustong magiging financially stable?
00:05.4
Pakitaas ang mga kamay!
00:10.0
No one can be financially stable.
00:13.2
Kung gusto nyo malaman kung bakit you got to finish this video.
00:16.4
Videos that will make you wealthy and debt-free.
00:22.8
Hi there, this is Chinky Tan, your Pambansang World Coach.
00:26.0
Thank you very much for joining us in this wonderful episode.
00:28.7
Pag-uusapan po natin ang mga problema pagdating sa pera.
00:33.0
Ay, bakit ka ba, bro?
00:34.7
Oo, alam mo, pinaka-ultimate goal talaga natin maging financially stable.
00:38.6
Pero hindi nyo napapansin.
00:40.1
Eh, karamihan po, instead maging financially stable,
00:42.8
nagiging financially unstable po tayo.
00:45.5
Bakit po? Bakit, bakit, bakit?
00:47.1
Eh, because nga, we have what we call as bad money habits.
00:50.0
Ano to bang bad money habits na ito?
00:52.2
Ang mga bad money habits are the things that are contributing
00:57.7
Financial habits.
01:00.0
Oo, na hindi mo napapansin na ginagawa mo pala,
01:02.3
na nagingiging parang pag-uugali mo na.
01:04.2
Okay, kaya nga, ito po ay magiging series po sa sobrang haba po nito.
01:08.2
Huwag kayong magmamadali, kumuha kayo ng ball pen, papel,
01:10.7
tapos mag-take down kayo ng notes.
01:12.4
Bad money habit number one.
01:14.3
Getting advice from the wrong people.
01:16.8
Hindi natin napapansin na tayo po ay napagsisinungalingan na
01:21.3
ng pagkatagal-tagal.
01:24.2
May mga nagsabi na ang gagawin mo lang, mag-aral ka mabuti,
01:28.8
maghanap ka ng magandang trabaho,
01:31.7
mabubuo na pangarap mo.
01:33.2
Oo, magandang pakinggan po yun.
01:34.8
Pero, ito po ang realidad po.
01:36.6
Dati, it's applicable.
01:38.4
Kasi dati po, hindi pa ganung kataas ang bilihin,
01:41.9
hindi pa ganung kataas ang gastusin,
01:44.2
at wala pang masyadong expenses.
01:47.0
Simple lang ang buhay.
01:49.6
Upang, oriente, pagkain,
01:51.7
walang travel, walang TV, walang internet.
01:54.6
Di ba? Wala lahat yun.
01:56.1
Pero ngayon, ito lang, atin-atin lang.
01:58.7
Aralin nyo lang po yung anak nyo sa panahon po ngayon.
02:01.7
Sa panahon po ngayon, magkano na po ang daily allowance?
02:05.7
Daily allowance, pagkain at pamasahin.
02:08.0
Mahina na po dyan ang sandaan.
02:09.8
O, kung isandaan isang araw times 20 days,
02:12.7
2,000 a month po yan.
02:14.4
Eh kung dalawa nag-aaral, eh di 4,000 a month.
02:18.0
Kaya nga, nagigets nyo ba?
02:19.2
Importante po na kailangan po natin malaman,
02:21.4
hindi po talaga sasapat na ang ating kita.
02:24.4
Kaya nga, when you get advice from the wrong people,
02:27.0
yan po ang nangyayari sa atin eh.
02:28.7
Nagkakaroon tayo ng disillusionment.
02:30.5
Kaya nga, ito lang, kung kayo ay magne-negosyo,
02:32.3
dapat kausapin nyo mga successful na negosyante.
02:36.1
Instead ng successful negosyante ang kinakausap po natin,
02:38.5
sa inyo ang kinakausap po natin, mga kaibigan, kamag-anak,
02:41.0
na wala pang ka-experience-experience na mag-negosyo.
02:44.3
Number two, tumataya ka na lang sa swerte or pagkakataon.
02:48.5
Kung kayo ay naniniwala sa swerte, wala namang problema yan.
02:52.1
Ang swerte mo ay hindi consistent.
02:54.3
Ang swerte mo, hindi pwedeng asahan.
02:56.6
Ang swerte mo, hindi ang magbabayad
02:58.7
hindi ang magbibili ng grocery, hindi ang magpapakain sa pamilya mo.
03:02.6
Success doesn't happen by chance.
03:05.5
It happens by the choices that you make every single day.
03:09.1
Kung papapansin ninyo, yung mga mayayaman at matatagumpay na tao,
03:12.6
may ginagawa yan araw-araw.
03:14.4
Hindi inaasahan ang swerte.
03:16.0
Ang inaasahan po, yung kanilang consistent na habit.
03:19.0
Na gumigising ng maaga, nagsisikap, naghahanap ng oportunidad,
03:22.8
gumagawa ng paraan.
03:24.1
Pag yan ang talagang mindset mo, ay grabe ka talaga.
03:27.4
Magbabago talaga ang financial.
03:28.7
Kaya nga, huwag natin iasa sa swerte.
03:31.2
Bakit? Mamalasin po tayo.
03:33.2
Third money habit na hindi nyo napapansin na nagpapahirap po sa atin
03:37.2
is what we call as impulse buying.
03:40.2
O ano itong impulse buying na ito?
03:42.2
Sino po sa inyo, pag na kayo'y nakakita ng S.A.L.E.
03:46.2
sale, medyo napapalingon kayo ng konti?
03:52.2
At hindi kayo makaresist?
03:53.7
Type me sa comment section. Type me!
03:57.2
Alam mo, sa totoo lang ha,
04:00.2
May tendency na gagasos ka sa mga bagay na hindi mo kailangan, na gusto mo lang.
04:04.2
And every time when you buy something, kahit na hindi mo kailangan,
04:07.2
minsan uutangin mo pa.
04:10.2
Kasi may tendency po, kasi yun nga, yung parang feeling po natin eh,
04:14.2
nade-deprive tayo, feeling natin, kawawa tayo, pagwala tayo.
04:18.2
Huwag po tayo magpapaniwala sa gano'ng klaseng feeling.
04:21.2
This is a great deception.
04:23.2
Great deception to make you poor and broke.
04:25.7
Kaya ang natatanungin kita ngayon, Susie Jen,
04:28.7
tapos si Rothrig Ador, at the same time si Maria Cristina Polintan,
04:33.7
ikaw, oo, kamusta ka na?
04:36.7
Ganon ka rin ba mag-isip o iba?
04:38.7
Number four, bad money habit that can make us poor is not having a clear budget.
04:42.7
Ito lang po ang sasabihin ko po sa inyo.
04:45.2
In my years of educating people and empowering people of personal finance,
04:49.7
you got to write your expenses down.
04:52.7
Lahat ng gastusin mo, lahat ng kita mo, kailangan ilista mo.
04:55.7
Because you got to know where your money is going in order for you to know,
04:58.7
where you are heading.
04:59.7
Dalawang financial directions lang po.
05:01.7
Financial freedom, financial disaster.
05:03.7
Kaya kapag hindi mo sinusulat ang iyong budget, ang iyong gastusin,
05:06.7
taon-taon, ito ang tanong nyo sa inyong sarili.
05:09.7
Nasaan po ang aking pinagpagurang pera?
05:12.7
Kaya nga, it's very important po na kailangan po matuto kayong mag-budget.
05:17.7
Kung hindi kayo pinagbabudget, maniwala ka.
05:19.7
Broke ka parati. Bakit?
05:21.7
There will be a tendency that you will overspend.
05:23.7
Pera na hindi mo talaga kayang gastusin, nagagastus mo siya.
05:26.7
And number five, okay.
05:28.7
Number five bad money habit can make you broke.
05:31.7
Naiwasan po natin yung tinatawag na lifestyle of borrowing.
05:34.7
What do you mean borrowing?
05:35.7
Spending the money that you cannot afford to please the people that you do not like
05:40.7
and you really hated most.
05:43.7
Talagang matindi tong combination na ito.
05:45.7
Wala ka ng pera, inuutang pa.
05:48.7
So, ito lang. Bakit ka gumagastos using your what? Credit card?
05:53.7
Na alam mo na wala kang pambayad.
05:54.7
Again, I have nothing against credit card.
05:56.7
I have a credit card of my own.
05:57.7
But I pay my credit card always in full.
06:00.7
But number two, bakit mo kailangan mangutang sa mga financial institutions,
06:05.7
sa lending apps, sa mga kaibigan at kamag-anak?
06:07.7
Diba? Para ikaw ay makapagbakasyon lang. Bakit?
06:10.7
Alam mo, ang unang kailangan mong gawin right now,
06:12.7
makinig ka sa akin, itigil mo na ang pangungutang.
06:15.7
Itigil mo na pagbibili ng mga bagay na hindi mo afford.
06:19.7
Kung isang money advice lang maibibigay ko po sa inyo sa session natin na ito.
06:24.7
If you do not have the money,
06:25.7
you cannot afford it.
06:28.7
Ganun kasimple lang po siya.
06:29.7
Pag pinagpatuloy-tuloy lang po natin ang lifestyle of borrowing,
06:36.7
Ang ginagawa pong discounting ng mga ibang tao,
06:38.7
nangungutang kay A para pambayad kay B,
06:40.7
nangungutang kay C para pambayad kay A and B,
06:42.7
nangungutang kay D para pambayad kay A, B, and C.
06:45.7
Ang tawag po natin dyan ay kiting.
06:47.7
And then second thing that I've realized sa pagbabayad ng utang
06:50.7
or sa paglabas ng utang,
06:51.7
you cannot solve a permanent problem with a temporary solution.
06:55.7
Borrowing to support your lifestyle,
06:58.7
borrowing to pay for another debt,
07:00.7
is a temporary solution to a permanent problem.
07:04.7
as you listen to this episode natin na ito,
07:07.7
sa lima, saang ka-guilty?
07:09.7
Sana naman nakatulong itong episode na ito.
07:11.7
Kung gusto niyo talaga makalaya,
07:13.7
you have to break some bad money habits.
07:15.7
If you do like this episode,
07:17.7
if you want to have a part two,
07:18.7
kung gusto niyo ng part two of this,
07:20.7
please type part two
07:22.7
dahil marami tayong pwedeng pag-usapan.
07:26.7
tamang karunungan,
07:27.7
tamang disiplina po ang susi sa pag-iyaman.
