Target Cash Reserve Draf transkrip automatik penuh. Pembetulan istilah berdasarkan sumber direkodkan secara berasingan; tanda semakan menunjukkan perkataan yang perlu diperiksa. [00:00:00–00:00:26] Emergency Account. Bank Account yang keempat. Kita dah belajar sebelum ni. Kita ada 5 jenis bank account. Kalau awak enterprise ada 3. Kalau awak sering bahan ada 5 kotak. 1, 2, 3, 4 dan juga 5 kotak. Berdata sampai ke bawah. Emergency Account ni dekat mana? Dia dekat sini. Emergency. Kita nak simpan duit dekat emergency dan jangan simpan banyak sangat guys. [semak: uncertain words, number or amount] [00:00:26–00:00:29] Saya cadangkan 3 bulan cukup lah [semak: number or amount] [00:00:29–00:00:31] Janganlah nak biar kaya sangat [semak: uncertain words] [00:00:31–00:00:33] Dan maksimum 6 bulan ikut industri [semak: number or amount] [00:00:33–00:00:37] Kalau industri awak ni memerlukan ketahanan musim kemarau yang panjang [00:00:37–00:00:38] Maksudnya sale [00:00:38–00:00:41] Kadang-kadang memang setahun tu kalau musim puasa kan [semak: uncertain words] [00:00:41–00:00:43] Raya 2 bulan sale tak ada [semak: uncertain words, number or amount] [00:00:43–00:00:43] Memang macam tu [00:00:43–00:00:44] Terpaksalah 6 bulan [semak: number or amount] [00:00:44–00:00:45] Tapi jangan lebih [00:00:45–00:00:46] Sebab apa? [00:00:46–00:00:49] Kita nak elak comfort zone kepada owner, leader dan juga staff [00:00:49–00:00:50] Saya pernah ada company sebelum ni [00:00:50–00:00:53] Cash reserve saya boleh bertahan selama setahun setengah [semak: uncertain words] [00:00:53–00:00:53] 18 bulan [semak: number or amount] [00:00:53–00:00:54] Saya pun jadi [00:00:54–00:00:55] Lea [semak: uncertain words] [00:00:55–00:00:56] Padahal gaji saya sikit [00:00:56–00:00:57] je. Tapi macam, bukankah ini [semak: uncertain words] [00:00:57–00:00:59] bisnes? Saya ingatkan itulah objektif bisnes. [00:01:00–00:01:01] Bisnes nak kena secure. Tak. [00:01:02–00:01:03] Bisnes bukan untuk jadi secure. [00:01:04–00:01:05] Bisnes adalah untuk jadi opportunis. [00:01:06–00:01:07] Kalau awak ada peluang untuk [00:01:07–00:01:10] tambah ofis, cantikkan ofis, [00:01:10–00:01:11] naikkan sale sebab branding dah power, [00:01:12–00:01:14] buatlah. Ini simpan duit. [00:01:15–00:01:17] Lalas, dimamah [semak: uncertain words] [00:01:17–00:01:18] inflation. [00:01:20–00:01:21] Duit awak akan berkurang susut [00:01:21–00:01:23] nilai dia. Mungkin 2%. [semak: number or amount] [00:01:23–00:01:25] Mungkin 3%. Setiap [semak: number or amount] [00:01:25–00:01:31] tahu sebab apa? Inflasi. So, ini yang kita nak nak. Duit yang tak bergerak adalah [semak: uncertain words] [00:01:31–00:01:37] duit yang beku, yang rugi. Kalau bagi ke orang lain, katalah awak ada 100 ribu. [semak: uncertain words, number or amount] [00:01:37–00:01:41] Awak bagi kat saya, saya roti balik 100 ribu tu, jadi 500 ribu, saya bagi balik [semak: uncertain words, number or amount] [00:01:41–00:01:44] kat awak 100 ribu. Dalam masa setahun, contohnya. Kalau di tangan orang yang betul, [semak: number or amount] [00:01:44–00:01:49] dia boleh roti balik duit tu. Tapi kena buat kerja lah. Next, shareholder benci [00:01:49–00:01:54] tiada dividen. Ada pun masalah juga. Shareholder benci. Dan, bisnes, dia tak [semak: uncertain words] [00:01:54–00:01:55] Bankable dan investable [semak: uncertain words] [00:01:56–00:01:57] Shareholder ni guys [00:01:57–00:01:57] Lain sekali [semak: uncertain words] [00:01:57–00:01:59] Dia kena makan dividen [00:01:59–00:02:00] Dia mana boleh [00:02:00–00:02:00] Shareholder ni [00:02:00–00:02:01] Ambil gaji [00:02:01–00:02:02] Ini eh [00:02:02–00:02:03] Saya shareholder [00:02:03–00:02:04] Pemegang saham [00:02:04–00:02:06] Ataupun kalau enterprise pun [00:02:06–00:02:06] Saya owner [00:02:06–00:02:07] Tapi saya ambil gaji [00:02:07–00:02:08] Saya ambil gaji je [00:02:08–00:02:09] Tak ada dividen [00:02:09–00:02:09] Tak boleh juga [00:02:09–00:02:11] Sebab takkan awak tak nak [00:02:11–00:02:12] Adik seribahat [semak: uncertain words] [00:02:12–00:02:13] Takkan awak tak nak [00:02:13–00:02:13] Adiklal profit [semak: uncertain words] [00:02:13–00:02:14] Ambil lah dividen [semak: uncertain words] [00:02:14–00:02:15] So [00:02:16–00:02:17] Dalam konsep ni [00:02:17–00:02:18] Kita ada shareholder [00:02:18–00:02:20] Kita ada [00:02:21–00:02:22] Director [00:02:22–00:02:23] Ada lima level lah [00:02:23–00:02:23] Semua sekali [00:02:23–00:02:25] Kita ada [00:02:25–00:02:26] C level [00:02:26–00:02:28] Kita ada manager [semak: uncertain words] [00:02:30–00:02:31] Kita ada [00:02:31–00:02:32] Staff [00:02:32–00:02:34] So semua sekali [00:02:34–00:02:35] Adalah [00:02:35–00:02:37] 5 level [semak: number or amount] [00:02:37–00:02:40] Kalau company enterprise pula macam mana [semak: uncertain words] [00:02:40–00:02:42] Enterprise saya boleh kata [00:02:42–00:02:45] Awak hanya pula ada 2 level sahaja [semak: uncertain words, number or amount] [00:02:46–00:02:48] 3 lah [semak: number or amount] [00:02:48–00:02:49] Kalau nak cantik sikit [00:02:49–00:02:50] Adalah owner [00:02:50–00:02:54] Awak boleh ada manager [00:02:54–00:02:57] Awak boleh ada staff [00:02:58–00:03:00] Cuma kat sini yang mana? Yang wajib [00:03:00–00:03:02] Yang wajib [semak: uncertain words] [00:03:02–00:03:02] Yang ni [00:03:03–00:03:04] Yang ni dia wajib [00:03:04–00:03:06] Yang ni wajib kena ada [00:03:06–00:03:08] Yang ni wajib kena ada [00:03:08–00:03:10] Yang ni optional sahaja [00:03:11–00:03:12] Yang ni pun optional [00:03:12–00:03:14] Tak semua company nak ada C level ada manager [semak: uncertain words] [00:03:14–00:03:16] Macam saya pun, saya kurang manager [00:03:16–00:03:18] Saya suka structure yang lean [00:03:19–00:03:20] Ada pun koordinator [00:03:20–00:03:23] Sarat saya, manager ni [semak: uncertain words] [00:03:23–00:03:24] Saya tak jadi panggil dia manager [00:03:24–00:03:25] Nanti dia naik kepala [00:03:25–00:03:27] So saya namakan dia sebagai [00:03:27–00:03:28] Manager [00:03:29–00:03:32] Saya convert jadi coordinator [semak: uncertain words] [00:03:34–00:03:35] Especially [00:03:35–00:03:37] Siapa coordinator? HR, admin [00:03:37–00:03:39] Rupanya dia lah manager, dia tak perasan [semak: uncertain words] [00:03:39–00:03:40] Haa macam tu lah ibarat dia [00:03:40–00:03:43] Dia coordinate, dia coordinate orang sana sini [00:03:43–00:03:44] Dia faham flow [00:03:44–00:03:47] Kadang-kadang kita convert PA kita jadi manager [00:03:47–00:03:49] Tapi PA ke pun tak perasan, rupanya dia manager [00:03:50–00:03:51] Ok, jadi yang ni pula [semak: uncertain words] [00:03:51–00:03:53] Mana optional? Haa, manager lah optional [semak: uncertain words] [00:03:53–00:03:55] Eh, manager adalah optional [00:03:55–00:03:57] Staff dengan owner wajib lah [00:03:57–00:03:58] Takkan awak tak nak ada ni [00:03:58–00:03:59] So, ini adalah optional [00:04:01–00:04:04] Jadi, yang ambil gaji [00:04:04–00:04:05] Sebenarnya adalah [00:04:05–00:04:06] Level ni je [00:04:06–00:04:07] Director [00:04:08–00:04:10] Yang ni ambil salary [00:04:12–00:04:14] Yang ni pun sama salary [00:04:14–00:04:15] Yang ni pun sama salary [00:04:15–00:04:16] Yang ni pun sama salary [semak: uncertain words] [00:04:16–00:04:18] Yang ni, dia tak boleh ambil salary [00:04:18–00:04:19] Dia ambil dividend [00:04:22–00:04:23] Kalau director juga adalah shareholder [00:04:23–00:04:25] Maka dia akan ambil salary dan dividend [00:04:25–00:04:26] Tapi kalau dia [00:04:26–00:04:27] Director-director [00:04:27–00:04:27] Shareholder-shoulder [semak: uncertain words] [00:04:27–00:04:28] Ada ambil macam ni [semak: uncertain words] [00:04:28–00:04:29] So, bila awak [00:04:29–00:04:31] Buat company terlampau profitable [00:04:31–00:04:32] Sikit-sikit nak simpan duit [00:04:32–00:04:33] Sikit-sikit nak simpan duit [00:04:33–00:04:35] Kita akan self-sabotage company [00:04:35–00:04:37] Kita akan ambil gaji tinggi [00:04:37–00:04:38] Sebab sampai bila kita nak ambil untung [00:04:38–00:04:39] Takkan tak nak ambil untung [00:04:39–00:04:41] Ambil gaji tinggi [00:04:41–00:04:42] Declare less profit [00:04:42–00:04:43] Business tak bankable [00:04:43–00:04:44] Tak investable [00:04:44–00:04:45] Inflation [00:04:45–00:04:45] Duit jadi beku [00:04:45–00:04:46] Jadi sejuk [00:04:46–00:04:46] Tak ada ROI [00:04:46–00:04:49] So nak simpan cash reserve ni [semak: uncertain words] [00:04:49–00:04:50] Kira balik awak punya OPEC [00:04:50–00:04:51] Sebelum ni saya dah ajar [00:04:51–00:04:52] OPEC SOSOA [00:04:52–00:04:54] S-O-O-S-O-A [00:04:54–00:04:54] Kira balik [00:04:54–00:04:56] Katalah OPEC awak 25,000 [semak: number or amount] [00:04:56–00:04:57] So ambil lah kirain kat situ [00:04:59–00:05:00] 25K [semak: number or amount] [00:05:00–00:05:02] Darab dengan 3 bulan [semak: number or amount] [00:05:02–00:05:04] Maka saya kena simpan tuan RM [00:05:05–00:05:06] 75K [semak: number or amount] [00:05:06–00:05:06] Dah [00:05:06–00:05:07] Cukup 3 bulan [semak: number or amount] [00:05:08–00:05:09] Duit tu kalau dah penuh [00:05:09–00:05:10] Jangan masuk lagi dah [00:05:10–00:05:11] Tutup dia [00:05:11–00:05:13] So kalau katalah ada duit kan [00:05:13–00:05:14] Ada duit di sini [semak: uncertain words] [00:05:14–00:05:15] Patutnya kita nak transfer ke sini [00:05:15–00:05:18] Kalau ikut formula kita dalam sekitar 30% [semak: uncertain words, number or amount] [00:05:18–00:05:19] 30% ke 10% [semak: number or amount] [00:05:19–00:05:20] Itu pulang pedawak lah [semak: uncertain words] [00:05:20–00:05:21] Disebabkan dia dah penuh [00:05:21–00:05:22] Eh tak ada nak masuk [semak: uncertain words] [00:05:23–00:05:23] Dia [00:05:24–00:05:25] Dia pergi terus kat di sini [00:05:27–00:05:28] So 30% tu akan masuk terus [semak: uncertain words, number or amount] [00:05:28–00:05:30] Dekat akaun bawah sekali [00:05:30–00:05:31] Apa akaun ni? [00:05:31–00:05:31] Akaun [00:05:31–00:05:32] D [00:05:32–00:05:33] V [semak: uncertain words] [00:05:33–00:05:33] Den [semak: uncertain words] [00:05:33–00:05:35] Terus semua orang happy [00:05:35–00:05:35] Sebab [00:05:35–00:05:36] Buat apa nak simpan [00:05:36–00:05:37] Kalau dah profit [00:05:38–00:05:40] Dan kita sebenarnya guys [00:05:40–00:05:41] Nak menyimpan ni ada sebab [00:05:41–00:05:43] Kalau awak tak nak simpan pun [00:05:43–00:05:43] Masalah juga [00:05:43–00:05:45] Boleh tak saya tak nak simpan langsung [00:05:45–00:05:45] Biar sebulan? [00:05:45–00:05:45] Tak boleh [00:05:45–00:05:47] Awak kena ada runway [00:05:47–00:05:49] Maximum masuk untuk bertahan [00:05:49–00:05:50] Sebelum duit habis [00:05:50–00:05:51] In case kemarau [00:05:51–00:05:52] Awak kena extend runway awak [00:05:52–00:05:53] Sebab awak nak take off balik ni [00:05:53–00:05:55] Apa masuk runway? [00:05:55–00:05:57] Runway ni macam kapal terbang [00:05:57–00:05:58] Dia nak terbang [semak: uncertain words] [00:05:59–00:06:02] Dia ada 1 bulan, 2 bulan, 3 bulan, 4 bulan, 5 bulan, 6 bulan [semak: number or amount] [00:06:02–00:06:03] So [00:06:03–00:06:04] Dia cuma kapal terbang [semak: uncertain words] [00:06:06–00:06:06] Terbang [00:06:06–00:06:07] So dekat sini [00:06:07–00:06:09] Maksudnya dia hanya makan duit selama [00:06:09–00:06:11] 1 bulan, 2 bulan, 3 bulan [semak: number or amount] [00:06:11–00:06:13] 1 bulan, 2 bulan, 3 bulan je contohnya [semak: number or amount] [00:06:13–00:06:16] Ada pula company yang nak terbang dia terlambat sikit [semak: uncertain words] [00:06:17–00:06:20] Dia burn duit, burn duit, burn duit, burn duit [00:06:20–00:06:22] Dah sebab terbang lah sekali [semak: uncertain words] [00:06:22–00:06:23] Terbang ni maksudnya apa? [00:06:23–00:06:24] Dia dah start break even [00:06:24–00:06:26] Dia tak perlukan modal tambahan [00:06:26–00:06:28] Cost overhead tu [semak: uncertain words] [00:06:28–00:06:29] Gaji staff apa semua [00:06:29–00:06:30] Dengan profit yang kita dapat sale [00:06:31–00:06:32] Kita dah break even [00:06:32–00:06:34] Tu maksudnya dia dah take off [00:06:34–00:06:34] Dia dah terbang [00:06:34–00:06:35] Break even [semak: uncertain words] [00:06:35–00:06:38] So runway ni kita boleh buat 6 bulan buffer [semak: number or amount] [00:06:38–00:06:39] Ataupun kita boleh buat 3 bulan buffer [semak: number or amount] [00:06:39–00:06:40] Jadi [00:06:40–00:06:42] Dalam topik minyasi account ni [semak: uncertain words] [00:06:42–00:06:43] Saya just nak beritahu dengan lebih detail [00:06:43–00:06:46] Yang awak wajib wujudkan minyasi account [00:06:46–00:06:47] Tapi jangan banyak sangat [00:06:47–00:06:48] Cukuplah 3 ke 6 bulan sahaja [semak: number or amount] [00:06:48–00:06:50] Dan kalau duit dah terlebih [00:06:50–00:06:52] Pass pada account dividend [00:06:52–00:06:56] Ataupun mungkin awak nak masuk dekat FIA Emergency Account [semak: uncertain words] [00:06:56–00:06:59] Ok, jumpa dalam video tutorial yang seterusnya [semak: uncertain words]