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00:00.0
dito sa ating mga kaugaliang
00:01.9
dapat iwanan for 2024.
00:04.3
Huwag natin balikan yan, di ba?
00:05.9
Ano ba itong mga dapat
00:08.7
Ang utang sinagamit po
00:13.6
Dapat hindi natin yan
00:15.2
ginagawa. Tapos, pagpapaliban
00:19.0
hindi tinagahan na
00:27.0
dapat iwanan na natin ngayong
00:33.2
paano ba mababayaran ang utang? Dahil ngayon
00:35.2
yung ating pinag-usapan.
00:37.0
So, paano ba mababayaran
00:39.4
yung utang? Siyempre, ang unang
00:41.2
step dyan, huwag natin natin
00:44.2
And then, make a list of your bad debts,
00:46.6
face your enemy, and
00:48.6
magpaging pasikal tayo.
00:51.0
Ang bagayin talaga natin ay
00:53.2
mabayaran natin yung loan
00:55.3
na may mataas na interest
00:57.7
Okay. Pero hindi na kumita pa
00:59.9
ng malaking interest. Yes.
01:01.9
Oo. At ang ano kasi natin
01:05.0
challenge kasi natin dyan,
01:06.9
ang nakikita ko ay
01:09.3
psychologically, easier yung
01:11.3
magbayad muna ng loan
01:13.5
ng lowest amount. Oo. Kasi
01:15.5
basta nakaposyaga. Parang may
01:17.5
accomplishment ka, no? Tama.
01:19.5
May sense of accomplishment ka.
01:22.2
Accomplishment ka. Ang gagawin mo,
01:23.8
mag-negotiate ka with your lender
01:25.5
to piece the terms and conditions.
01:27.7
And what is that interest?
01:29.7
Kasi ang dapat talaga na ginagawa
01:34.8
mga pinagkakautangan natin.
01:37.5
Ipag-usapin natin sila at sabihin natin
01:39.8
yung tunay na sitwasyon. Kasi sa totoo
01:41.6
lang, kung ang gusto
01:43.5
nyo talaga nila ay
01:44.6
magbayaran lang din. Pero pag patong-patong
01:47.4
patong-patong malaking interest,
01:49.8
ay hindi mo talaga siya mababayaran.
01:51.7
Kaya tell them the truth kung
01:53.5
magkano yung kaya mong interest.
01:54.8
At mag-settle nyo sa
01:57.7
maayos na agunit.
01:59.0
Two-way pala yan.
02:01.0
Sa mga may utang,
02:04.0
syempre mahalaga na kausapin naman
02:05.8
yung kanilang pinagkautang.
02:07.1
Huwag yung dedma eh. Kasi yung mga gano'n eh.
02:09.9
At dun naman sa mga
02:11.3
nagpa-utang na dinededma,
02:13.3
baka it's good to reach out
02:15.1
at pag-usapan what could be done
02:19.0
magandang pagbabaya.
02:20.4
At kayo naman mga nagpa-utang,
02:22.3
huwag na kayong mag-ano,
02:24.2
may magic na nagaganap.
02:27.7
huwag nyo naman masyadong pahirapan
02:30.5
yung mga umutang sa inyo.
02:32.5
Huwag patungan ng mataas na interest.
02:36.4
So ano pa yung mga pwede natin gawin
02:38.2
para mabayaran ng utang?
02:40.0
So avoid natin na gamitin ng utang
02:42.2
during emergency.
02:43.4
Kasi ang ginagamit dyan ay
02:45.6
insurance o kaya damayan
02:47.4
at mayroon tayong emergency saving.
02:51.0
At i-finance natin
02:53.0
ang ating passive income
02:57.7
finance natin yung ating wants
02:59.0
with passive income,
03:02.5
So not dapat yan.
03:03.9
yung point na yun
03:05.8
ang makakalagay mo.
03:06.8
Kasi talagang marami
03:07.8
sa ating mga kababayan
03:10.3
kapag tayo ay may gusto,
03:13.7
inuutang na lang kaagad
03:15.3
para talaga mas satisfy na agad
03:18.8
Samantalang mas malaking kuyahan,
03:20.8
sana mas magaan sa isa
03:22.5
kung pag-iitunan mo na
03:26.3
ng ating mga kapatid.
03:29.3
yung mga pakikita,
03:33.0
So delayed gratification naman muna
03:34.7
tayo dyan, mga friends.
03:38.0
ang next naman natin
03:39.1
ang pag-uusapan ay
03:44.3
na mag-iitunan mo
03:46.3
So, ang dapat natin gawin
03:54.5
pagsimulan na mo yun,
03:59.2
huwag niyo na pagpaliban.
04:00.4
Huwag niyo na magsasabihin
04:04.9
The best time to start
04:06.9
At magkaroon tayo
04:13.4
on yung gym lang yun,
04:17.2
nakapagod ka agad yun.
04:19.7
kasi ako naniniwala talaga
04:21.7
ang pinakamabilis
04:33.2
para tayo magsimulang
04:37.5
bago tayo magsumusunod,
04:38.8
gusto ko lang nabalikan natin
04:39.9
yung sinabi mo ko yun
04:40.7
kasi napakaganda na
04:45.1
kapag ikaw meron kang
04:46.4
gustong-gusto talaga
04:50.1
na maging incentive mo
04:51.2
sa sarili mo, di ba?
04:52.1
Para ikaw ay magsimula talaga
04:56.3
ang mangyari po talaga
04:58.2
ang gagawin natin ay
05:04.1
umipon natin dyan
05:08.6
ano ba yung kinaka-excite
05:15.2
Yan yung gawin mong purpose.
05:22.2
budgeting rules natin
05:27.3
financial startup stage,
05:30.6
ang gagawin natin dyan.
05:50.0
actually pasok dyan,
05:51.5
Mga minimum wage earners,
05:56.1
pasok na pasok dyan.
05:59.5
ng mga Pilipinas.
06:04.0
Ang next naman natin,
06:09.3
ito nga yung typical natin
06:11.2
60 budgeting rules
06:38.0
nakikinig sa atin.
06:49.6
Pwede, Sir Vince.
07:03.7
Dahil ito naman po,
07:04.9
ang tinitignan natin
07:08.8
emergency savings
07:18.3
emergency savings.
07:20.4
ang titignan na natin
07:26.8
paano naman natin
07:28.1
paghahandaan yung retirement?
07:37.6
yung ating future.
07:39.8
nakakalimutan natin.
07:41.4
during that time,
07:45.8
for our medical expenses.
07:50.8
hindi ka na talagang
07:53.7
corporate retirement
07:56.8
kasi hindi ko nasyadong
08:09.7
pinigil magpapahaw
08:12.1
hindi siya for money.
08:19.3
maka mas pro bono.
08:22.4
yung talagang passion.
08:23.8
Whether it hurts or not,
08:51.9
ng ating retirement.
09:05.9
and Savings Program
09:13.1
kapag tayo kumikita
09:17.6
sinasabi mo na ito
09:29.2
sa pina-fundasyon
09:30.2
kasi itong mga ito
09:40.3
yung pera na ilagulog mo
09:51.9
sa SSS contribution
09:53.4
kung kumikita tayo
09:57.5
monthly contribution
10:10.5
employee counterpart.
10:22.2
kung yung 900 pesos
10:36.4
employer counterpart.
10:47.8
na mayroon tayong
10:51.1
kung ikaw naman talaga
10:51.9
ay nag-business din,
10:55.8
care of yourself.
10:60.0
contribute natin.
11:04.5
SSS contribution.
11:07.9
SSS pension natin,
11:12.6
at abu lang natin
11:14.6
which is minimum,
11:20.2
monthly pension mo
11:21.9
reaching 60 years old.
11:34.6
naibayad mo dati.
11:36.5
Ang general investment
11:38.9
ay yung employee,
11:43.9
the annual pension,
11:55.8
Yung employer naman
12:00.8
na may contribute.
12:05.0
na annual pension
12:06.4
na matatanggap mo
12:20.6
kumikita ka na lang
12:24.3
Ganan siya nalang.
12:34.8
government guarantee
12:35.8
at programa ng gobyerno.
12:37.4
Isang ibang gobyerno.
12:41.4
Yung supportahan natin
12:43.3
At wala pa talaga
12:56.9
kasi yung contribution.
12:58.4
Tsaka nakuku-commission
12:59.3
ang kapan yung mga yan.
13:01.4
Kaya dito na lang
13:02.8
sa pinakompetency.
13:08.9
natin yung pension.
13:11.3
So, yung employee
13:12.1
ay 10-year pension niya
13:16.2
yung na-receive niya
13:18.5
Minus yung kanyang
13:29.0
At yan ay kung 10 years lang.
13:39.5
hindi ka pakunin ni Lord,
13:44.8
Kaya susi din talaga.
13:46.6
ang ating body beautifully.
13:54.0
Ang ating benefit
13:58.9
ng bayaw namin dito,
14:06.2
nagda-drive pa talaga siya.
14:09.2
kung okay lang ako dito.
14:11.4
ako ay gulay na loan,
14:17.7
may 10-year pension
14:19.6
kasi may 1,000 per month.
14:24.8
At yung contribution
14:25.6
nga kasi ng 10 years
14:31.0
No love you for doing it.
