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00:00.0
Nangihirapan ka ba kumita ng pera? Bakit kaya?
00:04.9
Baka meron kang pinapaniwalaan na hindi tama.
00:08.2
Kung gusto nyo malaman ang 8 biggest misconceptions about kita,
00:12.1
you got to watch this episode.
00:13.7
Videos that will make you wealthy and debt-free.
00:20.4
Hi there, this is Chinkitan, your pambansang wealth coach.
00:23.2
Usapang pagkakakitaan po tayo ngayon.
00:25.6
Minsan alam mo, kahit nanong sipag at syaga at diskarte po natin,
00:28.7
minsan hindi pa rin tumatama sa ating financial target.
00:31.6
Alam mo, hindi naman dahil sa sipag at syaga ang problema,
00:34.1
minsan yung way of thinking po natin, yung pag-iisip po natin,
00:37.5
ang ika nga pumipigil po sa atin.
00:39.5
Kaya nga, ang pag-uusapan po natin ngayon,
00:41.4
ano po yung 8 kasinwalingan at misconception pagdating po sa pera.
00:46.2
So, ito yung gagawin ko po.
00:47.6
Gusto kong pumamakain ball pen at saka papel,
00:49.6
at saka gusto ko isulat nyo kung ano yung mga maling akala nyo
00:52.8
that really prevents you from making more money.
00:55.3
Number 1, you need big capital to start.
00:58.1
So, isang malaking kasinwalingan at misconception po yan.
01:01.1
Alam mo, sa totoo lang, lahat po nag-uumpisa ay nag-uumpisa sa maliit.
01:04.8
I can still remember, personally, when I was starting,
01:07.1
I started with only nothing.
01:09.0
Nothing po talaga.
01:10.0
Ang puhunan ko lang talaga, Laway,
01:11.3
nag-aahente lang po ako,
01:12.3
nagpumapatong lang ako from toilet paper,
01:14.3
yan ang unang ginawa ko.
01:15.3
Wala naman akong puhunan.
01:16.3
Binibili ko ng mura,
01:17.4
tapos binibenta ko,
01:18.2
pinapatunga ko lang ng mga 20%.
01:20.0
Nagbenta rin ako ng laruan,
01:22.5
Binili ko lang ng 25 centavos,
01:24.5
pero inutang ko po yun.
01:25.5
Sa 25 centavos, binibenta ko ng piso,
01:27.5
so kumikita ko ng 75 centavos
01:29.3
during that time, nung bata ako.
01:30.8
So, kung makikita nyo,
01:32.0
lahat talaga nag-uumpisa,
01:33.6
hindi po nag-uumpisa sa malaking kapital,
01:36.1
Kaya nga, pag ikaw,
01:37.1
natuto ka magpadoble ng maliit,
01:39.4
kaya mo padoble yung malaki.
01:40.9
Kaya nga, huwag nyo iintayin,
01:42.5
ako tsaka na lang,
01:43.3
pagka malaki ng kapital ko.
01:46.1
kung hindi nyo kayang palakiin ang maliit,
01:48.0
hindi nyo rin kayang palakiin ang malaki.
01:56.6
para ako ay magkaroon ng financial security.
02:00.5
higher financial stability.
02:02.9
Ito po ang reality.
02:04.1
Pwede tayo magpakatotoo.
02:05.5
The more we make,
02:06.9
the more we spend.
02:09.1
nung maliit pa ang sweldo na pagkakasya,
02:10.9
minsan may sobra pa.
02:11.7
Nung lumaki na yung sweldo,
02:12.8
nagkulang na, nagkautang pa.
02:14.3
Type agree sa comment section
02:15.8
kung nag-aagree po kayo.
02:17.0
So, ang malaking misconception po yan.
02:19.3
Again, kailangan ba malaki ang sweldo?
02:21.8
Nag-aagree naman kailangan malaki ang sweldo.
02:23.8
Pero ito po ang reality.
02:25.1
The goal in life is not to pursue financial stability.
02:28.4
But the goal in life is to practice financial responsibility.
02:32.6
Kahit malaki ka kumita,
02:34.1
irresponsible ka,
02:35.2
ubos ang iyong pera.
02:36.4
Kahit naman sapat lang iyong kinikita
02:38.3
kung responsible ka.
02:39.7
You live below the means
02:41.2
and within the means,
02:42.3
pasok pa rin ang iyong kita.
02:43.7
That's the second.
02:46.0
Pagdating po sa kita kayo,
02:47.1
huwag po tayo magpapabudol po dito.
02:49.9
maling akala o kasinwalingan
02:51.7
pagdating po sa pera at sa sweldo,
02:54.7
Kailangan maganda ang title mo
02:58.0
para ikaw ay maging successful.
02:60.0
Dapat parang tawag sa iyo
03:01.1
executive manager.
03:05.9
Child of the owner.
03:08.7
Alam mo, ito lang po ang reality.
03:10.7
Hindi lang title po.
03:12.7
Yes, mahalaga bang title.
03:14.0
Mahalaga bang recognition.
03:15.2
Yes, for personal fulfillment po yan.
03:17.4
Pero ang bottom line po talaga.
03:20.3
Magdidikta po talaga
03:21.4
kung successful ka sa ginagawa mo.
03:24.7
Kung tinatamaan mo na
03:25.7
ang iyong financial goals
03:27.2
at financial targets.
03:28.6
Kahit nga napakaganda ng title mo eh.
03:30.7
Ang haba ng title mo.
03:33.3
at the end of the day,
03:34.1
pag hindi mo tinatamaan ng kita mo,
03:35.9
walang halaga ang title.
03:37.8
Let's go to number four,
03:39.6
Ang misconception
03:40.3
pagdating po sa kitaans this.
03:41.8
Earning more money
03:42.9
will make you more happier.
03:44.9
Balansain po natin ah.
03:46.3
Yes, may partial nakatotohanan po siya.
03:50.3
pag kumita ka na mas malaki,
03:51.6
alangan na malungkot ka.
03:52.5
Pag mabibili mo yung gusto mo,
03:54.0
alangan na malungkot ka.
03:55.1
Kung nakapag-travel ka,
03:56.3
malulungkot ka ba?
03:57.2
Kung nakabili ka naman bagong gamit,
03:58.7
malulungkot ka ba?
03:59.5
Hindi, syempre happy ka.
04:00.5
Pero ito yung reality.
04:01.6
Money can buy temporary happiness,
04:03.8
but money cannot buy contentment.
04:07.3
Kaya huwag tayong magpapabudol.
04:08.9
Hindi nangangahulugan
04:10.2
na mas marami kang pera,
04:12.1
eh talagang masaya ang buhay mo.
04:15.6
contentment makes a poor man rich.
04:19.4
Discontentment makes a rich man poor.
04:21.7
Something to think about.
04:23.7
magpunta pa sa number 5.
04:26.3
Batiin muna natin si Louie J. Galio,
04:29.1
at syempre si Sofia Gimeno,
04:31.3
at syempre naman si Foo Dog.
04:33.9
Nagpapa-shoutout po sila.
04:35.4
Let's go to number 5.
04:36.3
Number 5 kasinungalingan
04:37.6
pagdating po sa kitaan is this.
04:39.3
You have to choose between passion and profit.
04:42.4
kita lang ba o passion?
04:43.9
Hindi mo pwede pagsabay yan.
04:45.2
Alam mo, ito lang ah.
04:46.3
Hindi porket na meron kang gusto sa buhay,
04:48.6
kailangan isacrifice mo na yung passion mo
04:51.0
versus financial success.
04:52.6
Alam mo, ito yung reality.
04:53.7
Ito yung pinakamaganda dyan.
04:55.2
Find a career that aligns with your personal interest,
04:58.2
enjoyment, passion,
04:59.8
with your financial goals.
05:01.3
Yan ang dapat natin gawin.
05:02.6
Ako parati ko sinasabi,
05:03.9
find something that you love to do in your life
05:06.3
and be the best at what you're doing
05:08.3
so that you don't have to work for another day in your life.
05:11.6
Kung mapapansin nyo talaga yung mga
05:13.1
nagiging successful talaga,
05:14.8
yung nag-i-enjoy na sila sa ginagawa,
05:16.3
binabayaran pa sila.
05:17.4
O ito, si Tiger Woods,
05:18.6
nag-i-enjoy mag-goal,
05:20.1
Si Manny Pacquiao,
05:24.4
nagba-basketball,
05:26.8
Likewise with me.
05:28.4
This is my profession and career.
05:29.9
I enjoy doing content
05:31.2
and then good news.
05:32.2
E binabayaran din ako
05:33.4
whenever I go to companies
05:34.6
for speaking engagement.
05:38.2
Number six na kasing malingat
05:40.0
pagdating po sa kitaan.
05:41.9
ang pagyaman ay hindi po para sa lahat.
05:44.4
It's not for everyone.
05:46.7
Again, again, again,
05:47.6
isang malaking kasing malingat na naman po yan.
05:49.6
Ako naniniwala ako,
05:50.7
ang pagyaman ng isang tao
05:54.2
Ang pagyaman ng isang tao
05:55.3
ay napag-aaralan.
05:57.6
karamihan naman po sa atin
05:58.6
nag-uumpisa tayo ng wala.
05:59.8
Kaya kung nahirapan ka kumita,
06:01.7
ibig sabihin lang po niyang ganito.
06:03.4
Kulang po ang iyong kaalaman
06:04.9
at wala ka lang masyadong alam.
06:06.5
O kung ayaw mo maniwala,
06:08.1
ay nagninenga-nega ka.
06:09.8
Ay mahirap lang ako,
06:11.3
Ito, may kakilala ba kayong tao
06:12.4
na kumikita ng 20,000 a month?
06:15.2
1 million a month?
06:16.0
10 million a month?
06:17.8
May nababalitaan po tayo.
06:19.2
Anong ibig sabihin lang yan?
06:20.4
Meron silang alam na hindi mo alam.
06:21.9
Meron silang ginagawa
06:22.8
na hindi mo ginagawa.
06:23.9
So, anong solusyon?
06:24.8
Magsasana all tayo?
06:26.9
pag-aralan natin.
06:29.4
Pag-inawarin natin.
06:30.5
We will create the same result.
06:32.0
That's the reason why
06:32.6
being rich is for everyone
06:34.4
kung gusto mo pag-aralan.
06:37.0
pagdating po sa pagkakakitaan
06:40.6
guarantees financial success.
06:46.1
Maraming tao masisipag
06:48.8
masipag matsyaga ako.
06:51.1
wala pa rin napupuntahan.
06:53.4
Kasi kulang ang aking karunungan.
06:55.6
Kulang ang aking kaalaman.
06:57.8
like for example,
06:58.8
nagpipinta ka lang ng mga building.
07:00.6
Magkano babayad sa'yo per day?
07:02.0
800 to 1,000 a day.
07:04.0
Pag tumigil ka na,
07:05.0
hindi ka nakikita.
07:06.4
Pero dapat iisipin mo,
07:08.0
hindi lang pagpipinta ng building
07:09.5
ang dapat alamin mo,
07:11.4
Baka from pagpipinta ng building,
07:12.9
mag-switch ka ng skill.
07:14.5
Skill development ka.
07:16.4
baka magpinta ka na ng canvas sa oil.
07:19.1
sa pinta talaga sa canvas.
07:21.7
natuto ka magpinta sa canvas
07:23.0
kung ikaw ay talagang napakagaling na artist
07:26.0
magkano kikitain mo per piece?
07:27.8
Pwede kang kumita ng 30,000,
07:31.0
Kahit sabihin mo,
07:31.7
matapos mo yan in one month
07:33.1
yung isang pyesa.
07:34.0
Kung nabenta mo na naman
07:36.6
As a matter of fact,
07:37.9
ng gumagawa ng isang pyesa
07:40.2
pag binenta niya,
07:42.5
He did not only work hard,
07:43.9
but he also worked smart
07:44.9
in upgrade niya kanyang skills.
07:46.6
huwag po tayo magpapabudol doon.
07:48.2
And last but not the least,
07:50.1
pakinggan niyo ito mabuti.
07:51.4
Kung bakit hindi nag-i-improve
07:52.9
ang ating sweldo?
07:55.2
nasa mindset natin,
07:56.6
you cannot negotiate your salary.
07:59.0
maraming tao pong ina-accept na lang po
08:01.0
yung ganito yung sweldo.
08:02.1
Hindi sila nag-ne-negotiate
08:04.1
ng kanilang sweldo.
08:05.1
Bibigyan kita ng tip
08:06.5
para tumaas ang iyong sweldo.
08:08.0
Gusto mo ba tumaas ang iyong sweldo?
08:10.2
Alamin mo ang trabaho
08:11.6
ng lahat ng organisasyon mo.
08:13.6
Kahit di mo trabaho,
08:16.0
Mag-volunteer ka.
08:17.4
At kung tinatambakan ka ng trabaho,
08:19.4
magandang opportunity na ito.
08:21.9
Itong strategy natin.
08:23.3
Itong gagawin po natin.
08:24.8
Paaasahin ko kayong lahat sa akin.
08:26.6
At kapag asang-asa na kayo,
08:28.3
lalayasan ko kayo.
08:31.7
tataybing ka peak season.
08:33.8
Ikaw lang nakakaalam ng lahat.
08:35.2
Pupuntaan mo yung HR mo.
08:36.4
I'm filing my irrevocable resignation.
08:39.1
Oh no, you're valuable.
08:43.9
You can negotiate.
08:45.6
Kaya huwag kayo mahihiya.
08:47.0
Kaya nga tanong ko,
08:47.9
sa walong pinag-uusapan po natin dito,
08:50.9
saan ka naniwala sa malikasinwalingan?
08:54.1
again, kailangan mo ng malaking kapital.
08:56.3
kung mas malaking kinikita,
08:57.7
mas financially secure ka.
08:59.9
kailangan mo ng magandang title
09:01.4
para ikaw ay maging successful.
09:04.8
mas maraming kita,
09:07.5
kailangan mamili ka.
09:08.7
Hindi pwedeng kita at saka passion eh.
09:12.3
ang pagyaman ay hindi para sa lahat.
09:15.2
kailangan work hard ka lang.
09:16.7
Siguradong magiging successful ka.
09:19.3
hindi ka pwedeng mag-negotiate with your salary.
09:21.9
Kaya nga tatanong kita,
09:22.9
from one to eight,
09:23.8
ano ang mga maling paniniwala
09:26.1
that really keeps you
09:27.3
from earning the money
09:28.4
that you deserve and you desire?
09:30.1
That's my question to you.
09:31.7
please comment in the comment section below.
09:33.6
Gusto ko kung matuto,
09:35.3
so that I would have a better perspective
09:37.0
on how you think right now.
09:38.6
Maraming maraming salamat.
09:39.6
Sana naman nakatulong po
09:40.6
itong episode natin na ito.
09:42.1
Please don't fail to watch
09:43.4
the other episodes here
09:44.5
at my YouTube channel.
09:46.1
tamang karunungan,
09:46.9
tamang disiplina,
09:47.8
ang susi sa pagyaman.
10:04.4
Thank you for watching!