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00:00.0
Assessing your current financial situation. Kasi di ba talagang kailangan natin makita nasaan ba tayo financially. And even if you think you're already doing okay, maganda pa rin na from time to time ay binabalikan natin itong ano ba yung ating financial status.
00:16.9
Kasi parang itong annual physical exam natin. Assessing your current financial situation. So yung mga sources of income kasi natin, di ba meron tayong active income at saka passive income.
00:30.4
So yung active income natin, ito yung salary, part-time work, overtime work, commission, business income kapag tayo yung nagtatrabaho dun.
00:39.5
Tapos ang mga passive income naman, ito yung rent, interest, dividend, capital gains, royalty at saka pension.
00:46.9
So yung active income, we need to work to be able to earn this. Samantalang yung passive income, ito yung income from our investment.
00:55.8
So yung active income, usually this is our primary income or our main source of income. Katulad ng mga sweldo natin.
01:02.5
Pero ang kahalagahan din itong active income, dito kasi nanggagaling yung pera natin na pang-invest natin para magkaroon tayo ng passive income.
01:13.0
Okay? So ito yung sikreto ha ng mga mayalas.
01:16.9
Yung active income, yan yung pambili natin ng basic needs. At yung passive income, yan yung pambili natin ng wants.
01:27.1
So kung titignan natin yung ating financial life stage, i-calculate lang natin, magano ba yung kinikita na natin sa ating monthly passive income?
01:38.7
At kaya ba nitong i-cover yung ating monthly expenses?
01:42.3
So malalaman na natin yung ating financial life stage.
01:46.9
Yung financial life stage natin, yung monthly passive income, this is a measure of the passive income coming from assets that you have na earning.
02:00.6
Yung iyong earning assets that you have right now.
02:04.2
Tapos ito namang expenses natin, which is our denominator, ay expression siya ng ating lifestyle.
02:12.9
Measure siya ng mga pangangailangan at gusto natin.
02:16.3
Sige naman ang buhay, di ba? Meron tayong mga basic needs para mag-survive tayo.
02:22.1
Pero yung pangpakulay talaga ng ating buhay ay yung mga wants sa totoo lang, di ba?
02:28.7
O di ba, masarap kumain ng kanin at tuyo, pero mas masarap kumain sa Jollibee, for example.
02:36.5
So needs and wants talaga yan yung sa lifestyle natin.
02:40.4
And if you take a look at this, ano ba yung meron ako?
02:43.4
At ano yung mga...
02:44.3
Ano yung meron ako na nagka-create ng passive income?
02:48.5
This is actually answering the question, how am I preparing for my future?
02:54.0
At yung expenses naman, ano ba yung mga needs and wants ko?
02:59.3
Sinasagot naman niya yung katanungan, how do I make my life happy?
03:03.8
And if we take a look at this, yung how to prepare for my future, yan yung konsepto ng Yago.
03:10.2
At yung how to make my life happy, yan yung konsepto ng Yogo.
03:14.3
Ano ba yung Yago at Yolo na yan?
03:17.1
Yung Yolo, of course, alam na natin yan, you only live once.
03:20.5
Pero yung Yago, you also grow old, ang ibig sabihin yan.
03:24.3
So we want to prepare for the future, we want to have earning assets that would create passive income
03:31.2
para ma-finance niya yung ating needs and wants.
03:35.5
And if we combine this, yung ating Yolo and Yago, we come up with the term na Bolo,
03:42.5
which means balance of...
03:44.3
So yan talaga yung gusto naman talaga natin, ibabalansihin natin ang ating mga obligasyon
03:54.3
at ang ating mga kagustuhan sa buhay.
03:60.0
Kasi ipon ka ng ipon, tapos kinuha ka na ni Lord,
04:05.2
o di wala, hindi mo na enjoy yung ipon mo, kailangan mo rin siyang i-enjoy.
04:09.1
Kaya kailangan talaga ng Bolo. Kailangan natin na balansihin yan.
04:14.3
Kung gusto niyong malaman yung inyong financial life stage,
04:18.1
ito yung mga life stages kasi, labanan siya kung gaano kalaki yung passive income mo
04:24.7
na kayang i-cover ng expenses mo.
04:27.4
So if you take a look at this table, yung financial freedom, nakalagay siya greater than 100%.
04:34.4
Ibig sabihin, 100% ng expenses mo ay kayang punan ng passive income.
04:43.4
So ang suggested is...
04:44.3
Suggested age dito, sana naman by age 65 or greater than 65, ay meron na tayo yan.
04:49.8
But of course, kung gusto mo na earlier, pupwede naman yan.
04:53.8
Kaya nakalagay dyan, suggested age lang.
04:56.3
So kapag nandito tayo, mga 23 to 25 years old, dapat meron na tayong nakakuha na 1% to 10% na passive income
05:05.3
na kaya niyang punan yung ating expenses.
05:09.7
So yan po yung ating guideline dyan.
05:12.0
At kung gusto niyong makuha,
05:14.3
exactly kung ano ang inyong financial life stage,
05:17.3
pwede kayong pumunta sa bit.ly slash servants memo or money in, money out.
05:23.2
Meron din tayong QR code dyan.
05:25.4
At makukuha ninyo yung questionnaire, yung tool natin,
05:32.5
para malaman ninyo kung anong financial life stage kayo.
05:36.8
So sa retirement age kasi 100% of expenses is covered by passive income.
05:42.5
At ang average...
05:44.3
Yung average age to retirement ng mga kumukuha ng research natin na ito ay 75 years old.
05:53.2
Nagsimula yan noong 2018 to 2023.
05:55.7
Yung mga kumukuha noong money in, money out natin yung financial life stage,
05:59.4
75 years old yung kanilang average age of retirement.
06:04.8
Kaya nakakatakot.
06:07.5
45% walang passive income.
06:12.4
Kasi kung gusto talaga natin,
06:14.3
mas maraming oras to spend our time with family and friends
06:19.3
at i-enjoy ang buhay,
06:20.9
passive income po ang kasagutan dyan.
06:23.4
At 35% naman yung may less than 10,000 pesos na passive income per month.
06:31.4
So yan yung nakita natin sa research natin.
06:34.2
Pwede rin po kayong pumunta sa bit.ly slash servants sal-en.
06:39.5
Yan naman yung makikita natin yung ating statement of assets, liabilities, and net worth.
06:44.3
Para ma-measure natin yung ating liabilities,
06:49.3
ang ating assets, at ano ba yung ating net worth.
06:52.6
It will list what you have, what you owe, and what you own.
06:57.3
Para magka-create tayo ng awareness ng inyong financial situation
07:02.0
that will aid you in your budgeting and planning.
07:05.6
At mayroon din tayong isa pa na tool, yung ating financial health check.
07:12.2
So pumunta lang kayo sa bit.ly slash...
07:14.3
or scan nyo yung QR code na naka-flash ngayon dito.
07:19.9
At itong financial health check naman, malalaman nyo kung nasaan kayo,
07:23.6
whether you are financially sustainable already, financially secure, or financial startup.
07:30.5
At doon po sa mga kumuha ng mga financial health check natin,
07:34.1
61% ay nasa startup, 36% yung financially secure, at 3% lamang yung financially sustainable.
07:44.3
Puntahan nyo na itong website na ito, no?
07:47.6
Scan nyo na yan para malaman nyo kung kayo ba ay sustainable, secure,
07:51.6
or nasa startup stage pa lang financially.
07:56.8
Ako po, si Sir Vince, ang inyong financial guru,
07:59.3
nagsasabing ang pagyaman na pag-aaralan at na pagtutulungan.
