00:43.1
Kasi parati ko sinasabi, experience is not only the best teacher,
00:47.2
but learning from other people's mistakes and experiences is the best teacher.
00:52.5
Kung nag-agree kayo, type agree in the comment section.
00:55.1
Kaya kung gusto nyo matuto, please get a note.
00:57.3
While at the same time, already ball pen, tapos magsulat na po tayo
01:01.1
because itong mga matutunan natin are priceless
01:04.0
and it can help you to save thousands, hundreds of thousands, and even millions of pesos.
01:09.9
Shout out lang sa mga kramer at kung gusto nyo mapanood itong buong video na ito,
01:13.5
ilalagay ko na rin link later, okay?
01:15.6
Panoorin muna natin itong first part.
01:17.2
So, nung bagong kasal kami ni Doug,
01:20.3
ang kinasinayan ko kasi is for me to pay for my own bills.
01:24.0
And so, I brought that into our marriage na,
01:27.3
I will pay for my, for whatever bills in the house, Doug will pay for whatever bills.
01:32.1
So, nag-delegate kami.
01:33.4
Ikaw yung sa grocery, ako yung sa electricity, and everything.
01:36.8
But you see, there were some unforeseen things that happened.
01:41.2
Medyo nagka-financial struggle kami.
01:43.5
And with that, nag-decide kami na siguro mas maganda if mag-joint account tayo.
01:49.6
Joint force yung pera natin.
01:51.6
So, with that also, nag-decide kami sino bang mas magaling mag-handle ng pera.
01:58.0
First lesson po na natutunan po nila is definitely yun nga.
02:02.0
Nag-umpisa, hiwalay po ang kanilang mga finances.
02:05.0
Kaya nga, hindi sila nagtutugma.
02:06.8
Kaya nga, nagkaroon sila ng financial problem.
02:08.9
That's number one.
02:09.7
Kaya ang ginawa po nila, pinagsama po nila.
02:13.2
Kung gusto nyo hiwalay ang inyong finances or separate ang inyong finances,
02:17.5
it doesn't really matter as long as you agree.
02:21.4
The key word is agree.
02:22.8
Everybody say agree.
02:23.9
Kailangang magkaisa kayo tungkol sa pera.
02:26.8
Bilang mag-asawa.
02:27.8
Pag-usapan nyo muna kung sino magbayad ng ganito,
02:30.7
sino yung responsibilidad.
02:31.9
Tapos pagkaisahin yung budget nyo.
02:33.6
Kasi sa totoo lang, kung hiwalay po ang budget nyo,
02:36.0
talaga magkakaroon talaga kayo ng problema.
02:37.8
Kasi, didiskarte siya or didiskarte ka, magkahiwalay.
02:40.8
Na-experience na na ba?
02:42.0
Ito, pumunta kayo ng supermarket.
02:43.5
At dalawang cart nyo, siya bumibili, ikaw bumibili.
02:46.7
Pero kahit na may listahan kayo,
02:48.2
pagkatapos yung pagpunta nyo,
02:49.3
oh, ba't ka bumili nito?
02:50.4
Eh, meron na ako nito.
02:51.6
Eh, nagustuhan ko eh.
02:52.5
Kung hindi kayo nag-agree
02:54.4
at kanya-kanya kayo gumagawa ng disisyon,
02:56.9
chances are, magkakamali kayo.
02:58.6
Agree o disagree.
02:59.5
Pakit-type sa comment section.
03:00.9
Kaya, importante, kahit na magkahiwala yung pera nyo,
03:04.0
magkaisa, joint account,
03:05.4
as long as na magkaisa kayo.
03:07.1
Because every spending decision must be a corporate decision
03:10.0
when it comes to husband and wife or partner.
03:12.6
That's the first rule.
03:13.7
Second rule, napakaganda na sinabi po ni Chesca.
03:17.2
Alamin kung sino man sa inyong mag-asawa
03:19.3
ang mas magaling, mas marunong,
03:21.1
at may disiplina siya.
03:22.3
Siya dapat ang humawak ng pera.
03:23.8
Hindi porket na si husband ang kumikita siya,
03:26.6
dapat humawak ng pera.
03:29.3
Makakamagaling nga rin siya kumita ng pera.
03:31.0
Magaling din siyang gumastos ng pera.
03:32.7
Kaya ang pinaka-best part, no?
03:34.2
Chinky, paano ko malaman?
03:35.4
Paano namin malaman sa mag-asawa,
03:36.8
sa pag-partner, mag-jowa,
03:38.1
kung sino mas magaling?
03:39.0
Eh, isip ko lang.
03:39.8
One month sa kanya,
03:40.7
one month sa babae,
03:41.6
one month sa lalaki.
03:43.3
check mo kung sino mas surplus,
03:44.8
sino may savings,
03:45.8
sino mas marunong,
03:46.7
sino mas responsible,
03:47.9
siya dapat humawak ng pera.
03:49.8
Does it make sense?
03:52.3
Grabe naman talaga, no?
03:53.9
Ano naman yung next na money lesson
03:55.4
that we can learn from Team Kramer?
03:57.2
Not a lot of people know this,
04:04.2
But what lessons that we learned
04:06.9
is because of that debt.
04:08.6
And to answer the topic question today,
04:11.5
the greatest lesson for me is
04:13.6
there's a time for everything about finances.
04:17.9
there's a time to save.
04:20.8
There's a time to save,
04:22.2
there's a time to invest,
04:23.6
there's a time to invest.
04:25.4
And we don't know how long that is
04:27.8
for that person or for that couple.
04:31.1
For Cheska and I,
04:32.7
yung lesson namin talaga was
04:34.2
we needed to be patient.
04:36.8
Our first four or five years
04:40.5
was a struggle financially.
04:44.1
we both had work.
04:45.7
We were both working.
04:47.9
good naman earnings.
04:49.0
But the problem was,
04:50.5
meron kaming ginawang investment
04:52.2
na ang nangyari is
04:55.9
naging eksaktong-eksakto lang
04:57.7
yung mga natira sa amin.
04:59.5
So in other words,
05:01.0
we were earning X amount
05:03.2
and nag-delegate kami ng investment
05:06.2
which was real estate at that time.
05:10.2
we wanted to put that as a forced investment
05:13.3
na parang our priority is to invest.
05:19.0
kung ano yung maiwan,
05:21.5
So ang nangyari doon was,
05:23.5
we were spending more
05:25.8
than what we were earning.
05:28.3
Nagkautang pala sila.
05:31.6
yung bottom line,
05:32.7
kahit maganda po yung investment
05:34.3
na sinasabi po nila,
05:36.7
ang lumalabas na pera
05:38.2
kesa pumapasok na pera.
05:40.3
Sino po sa inyong guilty dyan?
05:44.1
mahirap talaga pagka ikaw
05:46.8
very stressful situation.
05:48.5
And I don't want you to be
05:52.0
Kaya kailangan po,
05:53.1
bago tayo pumasok,
05:54.2
kahit na opportunity business,
05:55.9
pagbili ng property,
05:58.1
pag-isipan nyo muna mabuti
05:59.6
kung talagang kaya nyo.
06:01.4
Kasi paano man lamang kung kaya nyo?
06:03.0
Kung hindi kayo na-stress,
06:05.5
Pag na-stress ka,
06:07.2
hindi mo siya kaya.
06:08.4
As simple as that.
06:10.5
paano sila nakalaya
06:11.5
dito sa utang na ito?
06:13.0
Guys, I want to encourage you
06:17.6
and the plans that He has for you.
06:19.5
And I pray that there will be
06:21.2
breakthroughs in your life.
06:23.6
it took five years.
06:26.0
Five years for certain investment fruits
06:28.4
to finally bloom.
06:32.2
can I reference Ecclesiastes 3 verse 1
06:36.1
You know, it's about
06:37.0
everything made beautiful
06:38.5
in its own perfect time.
06:40.8
I love this reference.
06:42.2
Just like a flower
06:43.0
when it goes through stages.
06:45.0
And then there's a stage of blooming.
06:48.7
it's a time of pruning.
06:51.4
So sometimes we go through
06:54.9
certain challenges in our lives.
06:58.4
correcting our heart.
07:00.0
He's molding our character.
07:01.7
He's preparing us
07:02.8
for what is to come.
07:05.7
when we started to,
07:07.0
when this flower was blooming,
07:08.6
our investment started to come out,
07:10.5
yung pinoproblema namin before,
07:12.6
it just became more sweeter.
07:14.5
Parang mas na-enjoy namin yung
07:16.1
pinaproblema namin.
07:17.5
pinag-ipunan namin.
07:19.5
The how many years
07:20.7
na parang kinakalbo na ako
07:22.0
kahit I was so young,
07:23.1
inaalopisya na ako sa mukha.
07:26.2
it all became worth it.
07:27.8
And just to trust
07:33.5
and to take care of you.
07:35.4
But it takes a lot of time.
07:38.7
kulang pa nga five years.
07:40.1
Sometimes it might be even long.
07:41.6
Meron lang ako panawagan at babala
07:43.9
sumusunod sa akin sa channel na ito.
07:46.5
ang gumagamit ng aking video
07:49.7
na walang pahintulot po namin
07:51.3
at ginagawang pong pang-clickbait,
07:53.1
pang-akit po sa mga tao
07:54.6
sa mga tinatawag na
07:57.7
Sasabihin sa inyo,
07:58.7
o pwede ka kumita din,
07:59.7
pero ginagamit po ang mga video ko po.
08:02.5
i-clickbait lang kayo
08:05.3
ako nagpo-promote nun.
08:07.6
walang pahintulot po yan.
08:08.8
Hindi ako magpo-promote
08:10.5
ng mga iligal na gawain.
08:12.4
Hindi ako magpo-promote
08:13.4
ng mga bagay na makaka-pahamak po
08:16.4
huwag kayong maglalabas po ng pera, ha?
08:19.0
Huwag na huwag po kayong maglalabas ng pera.
08:20.8
I-verify nyo muna.
08:22.4
hindi po nang galing sa channel,
08:23.9
gire-nub lang po,
08:24.8
ninagay lang po sa Facebook,
08:26.2
ninagay lang po sa Facebook Shorts,
08:28.1
ginawa lang po sa TikTok,
08:29.5
o ginawa po sa ibang channel,
08:31.2
huwag na huwag kayong magtiwala.
08:32.8
Pag hindi po galing sa aking official channel,
08:36.0
huwag na huwag kayong sasali,
08:37.5
huwag na huwag kayong maniniwala.
08:39.0
Nako, tatandaan ha,
08:40.4
tamang karunungan,
08:41.8
tamang disiplina po ang susi sa pagyaman.
08:44.4
Kaya nga, please lang,
08:45.4
kung may nakita kayong mga videos,
08:46.7
i-report nyo agad.
08:47.7
Pag hindi nang galing po sa aming channel na walang pahintulo.
08:51.2
Maraming maraming salamat po.
08:53.0
So, makikita po talaga natin
08:54.5
how long it took them to get out of debt.
09:00.5
kung kayo ay may pinagdadaanan din at matinde,
09:04.1
sabi nga ni Dog at saka ni Chesca,
09:07.2
that we should really learn
09:09.7
For God has a plan to prosper you,
09:11.9
to give you hope in the future.
09:13.5
Huwag kayong mawawalan ng pag-asa.
09:14.8
Alam kong napaka-challenging.
09:16.2
Alam kong napaka-hirap
09:17.7
pag kayo po ay lubog sa utang.
09:19.8
At kung kayo po ay lubog sa utang
09:21.5
dahil sa mga maling disisyon,
09:23.0
dahil napilitang ka,
09:24.2
or isang nagkamali ka,
09:27.7
yung parang buyer's remorse,
09:30.6
nalugi negosyo mo,
09:34.6
Whatever you're facing through right now,
09:39.0
dog and chess ka,
09:40.4
nagkaroon din ng problema,
09:41.5
five years of going through the desert,
09:43.6
na talagang naghirap,
09:45.1
at nakabaya din sa utang.
09:46.6
Kung ikaw may pinagdadaanan,
09:47.9
feeling mo na talagang,
09:48.9
parang kailan ako makakalabas nito?
09:50.9
Kayo mo makalabas nito.
09:53.1
Dahil may isang Diyos na buhay
09:54.2
na hindi ka iwanan at pababayaan,
09:56.1
at kaya ka talagang pagpalain ng Diyos.
09:58.6
God can bless you tremendously.
10:00.7
Believe me, my friend,
10:02.1
He can bless you tremendously
10:03.4
that He can get you out of your financial situation,
10:06.6
whatever it may be.
10:08.6
sana naman natuto tayo sa episode na ito
10:11.0
kaya na dog at saka kay chess ka.
10:13.3
At kung gusto nyo mapanood po
10:14.9
yung puong version po nito,
10:16.3
please feel free to check the link below
10:18.5
parang mapanood nyo yung full version.
10:20.5
At kung ano pong natutunan nyo sa video natin na ito,
10:23.0
please also share it with me.
10:24.5
I would love to help you
10:25.9
and then let's digest,
10:27.3
let's connect with one another.
10:29.0
Kaya maraming maraming salamat
10:30.0
sa pag-tune in sa video na ito.
10:32.4
And please don't forget to like,
10:33.7
follow, and also subscribe.
10:35.4
Tatandaan, tamang karunungan,
10:36.7
tamang disiplina po ang susis.
10:40.6
nabisita ka siguro dito
10:42.0
dahil gusto mong marating
10:43.2
ang tinatawag nating
10:44.3
maginhawa at yayamanin life, diba?
10:46.4
Ang goal natin is to become
10:47.5
financially free and stress free.
10:49.4
So congratulations
10:50.2
because you have landed in the right place.
10:52.4
Ako po si Chinggitan,
10:53.4
ang inyong pambansang wealth coach
10:54.9
na handang tumulong sa inyong money problems.
10:57.8
Itong channel na One Stop Shop,
10:59.4
na dito matututo ka
11:00.3
paano magparami ng pera,
11:04.1
paano makawala sa utang,
11:05.3
at paano mag-invest.
11:06.5
Kaya nga, may maganda akong balita po
11:08.6
upang palaksin at pagandahin
11:10.4
ang ating learning experience.
11:12.7
Bumuo kami kasama ng YouTube po
11:14.9
ang isang exclusive membership program.
11:17.5
Ano kaya ang magiging benefits
11:19.1
pag sumali kayo sa program na ito?
11:21.2
Get noticed here.
11:22.4
As a channel member,
11:23.4
magkakaroon ka ng
11:27.0
member shoutouts,
11:28.0
and early access to exclusive videos.
11:30.3
Your wealth potential is unlimited.
11:32.2
Click join to be part of this
11:33.5
exclusive membership.
11:34.9
Kaya ano pang hinihintay nyo,
11:38.6
na po tayo maging
11:39.6
wealthy and debt-free.
11:41.8
Be part of our exclusive membership.
