Hello mga friendship! Join us for an insightful discussion on managing finances in marriage with Doug and Chesca Kramer! In this exclusive interview, the power couple shares their personal journey from overspending and living beyond their means to effectively growing their financial resources through strategic planning and teamwork. Gain valuable insights as they candidly discuss their challenges, triumphs, and the strategies they implemented to achieve financial stability and success together. Learn practical tips and strategies for handling money as a couple, navigating financial disagreements, and setting mutual goals for a secure future. Don't miss this opportunity to learn from Doug and Chesca's experiences and unlock the secrets to building a solid financial foundation in your marriage. Tune in now! Full video is here https://www.facebook.com/watch?v=3355279238136230 Join this channel to get access to perks: https://www.youtube.com/channel/UCAgpONKAH237nr3IF_rWVlA/join Join this channel to get access

Video Transcript / Subtitles:( AI generated. About AI subtitles » )

* 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

Hi there mga kaipunaryos, ikaw ba ay nagkamali na pagdating sa pera?

Well, kung ikaw ay nagkamali na hindi ka nag-iisa,

kung ano pong pagkakamali ng Team Kramer at paano tayo matututo sa kanilang mga money lessons?

Kung kayo ay handa na, you should watch this video.

Videos that will make you wealthy and debt-free.

Hi there, this is Chinkitan, your pambansang wealth coach.

Super excited ako sa session natin na ito dahil nga nung dumadaan po ako sa Facebook po,

dumaan sa feed ko, itong video na ito, nung pinanood ko,

sinabi ko, grabe, ang daming mga valuable lessons na pwede nating matutunan sa mga ibang tao.

Kasi parati ko sinasabi, experience is not only the best teacher,

but learning from other people's mistakes and experiences is the best teacher.

Do you agree?

Kung nag-agree kayo, type agree in the comment section.

Kaya kung gusto nyo matuto, please get a note.

While at the same time, already ball pen, tapos magsulat na po tayo

because itong mga matutunan natin are priceless

and it can help you to save thousands, hundreds of thousands, and even millions of pesos.

Shout out lang sa mga kramer at kung gusto nyo mapanood itong buong video na ito,

ilalagay ko na rin link later, okay?

Panoorin muna natin itong first part.

So, nung bagong kasal kami ni Doug,

ang kinasinayan ko kasi is for me to pay for my own bills.

And so, I brought that into our marriage na,

I will pay for my, for whatever bills in the house, Doug will pay for whatever bills.

So, nag-delegate kami.

Ikaw yung sa grocery, ako yung sa electricity, and everything.

But you see, there were some unforeseen things that happened.

Medyo nagka-financial struggle kami.

And with that, nag-decide kami na siguro mas maganda if mag-joint account tayo.

Joint force yung pera natin.

So, with that also, nag-decide kami sino bang mas magaling mag-handle ng pera.

Okay.

Okay, okay.

First lesson po na natutunan po nila is definitely yun nga.

Nag-umpisa, hiwalay po ang kanilang mga finances.

Kaya nga, hindi sila nagtutugma.

Kaya nga, nagkaroon sila ng financial problem.

That's number one.

Kaya ang ginawa po nila, pinagsama po nila.

Which is tama.

Kung gusto nyo hiwalay ang inyong finances or separate ang inyong finances,

it doesn't really matter as long as you agree.

The key word is agree.

Everybody say agree.

Kailangang magkaisa kayo tungkol sa pera.

Magkaisa kayo.

Bilang mag-asawa.

Pag-usapan nyo muna kung sino magbayad ng ganito,

sino yung responsibilidad.

Tapos pagkaisahin yung budget nyo.

Kasi sa totoo lang, kung hiwalay po ang budget nyo,

talaga magkakaroon talaga kayo ng problema.

Kasi, didiskarte siya or didiskarte ka, magkahiwalay.

Na-experience na na ba?

Ito, pumunta kayo ng supermarket.

At dalawang cart nyo, siya bumibili, ikaw bumibili.

Pero kahit na may listahan kayo,

pagkatapos yung pagpunta nyo,

oh, ba't ka bumili nito?

Eh, meron na ako nito.

Eh, nagustuhan ko eh.

Kung hindi kayo nag-agree

at kanya-kanya kayo gumagawa ng disisyon,

chances are, magkakamali kayo.

Agree o disagree.

Pakit-type sa comment section.

Kaya, importante, kahit na magkahiwala yung pera nyo,

magkaisa, joint account,

as long as na magkaisa kayo.

Because every spending decision must be a corporate decision

when it comes to husband and wife or partner.

That's the first rule.

Second rule, napakaganda na sinabi po ni Chesca.

Alamin kung sino man sa inyong mag-asawa

ang mas magaling, mas marunong,

at may disiplina siya.

Siya dapat ang humawak ng pera.

Hindi porket na si husband ang kumikita siya,

dapat humawak ng pera.

O bakit?

Eh, bakit?

Makakamagaling nga rin siya kumita ng pera.

Magaling din siyang gumastos ng pera.

Kaya ang pinaka-best part, no?

Chinky, paano ko malaman?

Paano namin malaman sa mag-asawa,

sa pag-partner, mag-jowa,

kung sino mas magaling?

Eh, isip ko lang.

One month sa kanya,

one month sa babae,

one month sa lalaki.

After one month,

check mo kung sino mas surplus,

sino may savings,

sino mas marunong,

sino mas responsible,

siya dapat humawak ng pera.

Does it make sense?

Grabe naman talaga, no?

Ano naman yung next na money lesson

that we can learn from Team Kramer?

Not a lot of people know this,

but it's true.

We were in debt.

A big hole.

But what lessons that we learned

is because of that debt.

And to answer the topic question today,

the greatest lesson for me is

there's a time for everything about finances.

And that means,

there's a time to save.

There's a time to save,

there's a time to invest,

there's a time to invest.

And we don't know how long that is

for that person or for that couple.

For Cheska and I,

yung lesson namin talaga was

we needed to be patient.

Our first four or five years

was a struggle financially.

Let me just say,

we both had work.

We were both working.

We had good,

good naman earnings.

But the problem was,

meron kaming ginawang investment

na ang nangyari is

naging eksaktong-eksakto lang

yung mga natira sa amin.

So in other words,

we were earning X amount

and nag-delegate kami ng investment

which was real estate at that time.

Yes.

Right?

And obviously,

we wanted to put that as a forced investment

na parang our priority is to invest.

Yeah.

And then,

kung ano yung maiwan,

bahala na.

Bahala na.

So ang nangyari doon was,

we were spending more

than what we were earning.

Nagkautang pala sila.

Bakit po?

Eh kasi nga,

yung bottom line,

kahit maganda po yung investment

na sinasabi po nila,

mas malaki po po

ang lumalabas na pera

kesa pumapasok na pera.

Sino po sa inyong guilty dyan?

Guilty.

Type guilty.

Yun nga,

mahirap talaga pagka ikaw

ay nagkautang.

It's a very,

very stressful situation.

And I don't want you to be

under stress.

Kaya kailangan po,

bago tayo pumasok,

kahit na opportunity business,

pagbili ng property,

any investment,

pag-isipan nyo muna mabuti

kung talagang kaya nyo.

Kasi paano man lamang kung kaya nyo?

Kung hindi kayo na-stress,

kaya mo.

Pag na-stress ka,

ibig sabihin,

hindi mo siya kaya.

As simple as that.

The question is,

paano sila nakalaya

dito sa utang na ito?

Guys, I want to encourage you

to just,

trust the Lord

and the plans that He has for you.

And I pray that there will be

breakthroughs in your life.

Kasi us,

it took five years.

Five years for certain investment fruits

to finally bloom.

Diba?

And I like,

can I reference Ecclesiastes 3 verse 1

in the Bible?

You know, it's about

everything made beautiful

in its own perfect time.

I love this reference.

Just like a flower

when it goes through stages.

And then there's a stage of blooming.

Diba?

For us,

it's a time of pruning.

Yes.

So sometimes we go through

certain trials.

We go through

certain challenges in our lives.

Because God is

correcting our heart.

He's molding our character.

He's preparing us

for what is to come.

Diba?

And you know,

when we started to,

when this flower was blooming,

our investment started to come out,

yung pinoproblema namin before,

it just became more sweeter.

Parang mas na-enjoy namin yung

pinaproblema namin.

Pinaghirapan,

pinag-ipunan namin.

The how many years

na parang kinakalbo na ako

kahit I was so young,

inaalopisya na ako sa mukha.

Parang,

it all became worth it.

And just to trust

the process,

trust that God

has plans to

prosper you

and to take care of you.

But it takes a lot of time.

And some people,

kulang pa nga five years.

Sometimes it might be even long.

Meron lang ako panawagan at babala

para sa mga

sumusunod sa akin sa channel na ito.

May mga tao,

ang gumagamit ng aking video

at kinakat,

ini-splice po,

na walang pahintulot po namin

at ginagawang pong pang-clickbait,

pang-akit po sa mga tao

sa mga tinatawag na

online job scam.

Sasabihin sa inyo,

o pwede ka kumita din,

pero ginagamit po ang mga video ko po.

Pagkatapos yun,

i-clickbait lang kayo

pagpasok nyo po.

Akala nyo,

ako nagpo-promote nun.

Pero in reality,

walang pahintulot po yan.

Hindi ako magpo-promote

ng mga iligal na gawain.

Hindi ako magpo-promote

ng mga bagay na makaka-pahamak po

sa mga tao.

Kaya,

huwag kayong maglalabas po ng pera, ha?

Huwag na huwag po kayong maglalabas ng pera.

I-verify nyo muna.

Pag ito,

hindi po nang galing sa channel,

gire-nub lang po,

ninagay lang po sa Facebook,

ninagay lang po sa Facebook Shorts,

ginawa lang po sa TikTok,

o ginawa po sa ibang channel,

nako,

huwag na huwag kayong magtiwala.

Pag hindi po galing sa aking official channel,

huwag na huwag kayong sasali,

huwag na huwag kayong maniniwala.

Nako, tatandaan ha,

tamang karunungan,

tamang disiplina po ang susi sa pagyaman.

Kaya nga, please lang,

kung may nakita kayong mga videos,

i-report nyo agad.

Pag hindi nang galing po sa aming channel na walang pahintulo.

Maraming maraming salamat po.

Ingat!

So, makikita po talaga natin

how long it took them to get out of debt.

Limang taon.

Five years.

Kaya nga,

kung kayo ay may pinagdadaanan din at matinde,

yun nga,

sabi nga ni Dog at saka ni Chesca,

that we should really learn

how to trust.

Trust in God.

For God has a plan to prosper you,

not to harm you,

to give you hope in the future.

Huwag kayong mawawalan ng pag-asa.

Alam kong napaka-challenging.

Alam kong napaka-hirap

pag kayo po ay lubog sa utang.

At kung kayo po ay lubog sa utang

dahil sa mga maling disisyon,

dahil napilitang ka,

or isang nagkamali ka,

nagkaroon ka ng,

yun nga,

yung parang buyer's remorse,

or if not naman,

nalugi negosyo mo,

or if not naman,

nakakalungkot,

na scam ka.

Whatever you're facing through right now,

there is hope.

Kung sila,

dog and chess ka,

nagkaroon din ng problema,

five years of going through the desert,

na talagang naghirap,

at nakabaya din sa utang.

Kung ikaw may pinagdadaanan,

feeling mo na talagang,

parang kailan ako makakalabas nito?

Kayo mo makalabas nito.

Bakit?

Dahil may isang Diyos na buhay

na hindi ka iwanan at pababayaan,

at kaya ka talagang pagpalain ng Diyos.

God can bless you tremendously.

Believe me, my friend,

He can bless you tremendously

that He can get you out of your financial situation,

whatever it may be.

Kaya nga,

sana naman natuto tayo sa episode na ito

kaya na dog at saka kay chess ka.

At kung gusto nyo mapanood po

yung puong version po nito,

please feel free to check the link below

parang mapanood nyo yung full version.

At kung ano pong natutunan nyo sa video natin na ito,

please also share it with me.

I would love to help you

and then let's digest,

let's connect with one another.

Kaya maraming maraming salamat

sa pag-tune in sa video na ito.

And please don't forget to like,

follow, and also subscribe.

Tatandaan, tamang karunungan,

tamang disiplina po ang susis.

sa pagyaman.

Mga kaipunaryo,

nabisita ka siguro dito

dahil gusto mong marating

ang tinatawag nating

maginhawa at yayamanin life, diba?

Ang goal natin is to become

financially free and stress free.

So congratulations

because you have landed in the right place.

Ako po si Chinggitan,

ang inyong pambansang wealth coach

na handang tumulong sa inyong money problems.

Itong channel na One Stop Shop,

na dito matututo ka

paano magparami ng pera,

paano magbudget,

paano makaipon,

paano makawala sa utang,

at paano mag-invest.

Kaya nga, may maganda akong balita po

upang palaksin at pagandahin

ang ating learning experience.

Bumuo kami kasama ng YouTube po

ang isang exclusive membership program.

Ano kaya ang magiging benefits

pag sumali kayo sa program na ito?

Get noticed here.

As a channel member,

magkakaroon ka ng

loyalty badges,

custom emojis,

member shoutouts,

and early access to exclusive videos.

Your wealth potential is unlimited.

Click join to be part of this

exclusive membership.

Kaya ano pang hinihintay nyo,

mga kaipunaryo,

nakasabay-sabay,

na po tayo maging

wealthy and debt-free.

Be part of our exclusive membership.