Backup Tax Money
Source: https://coachadib.com/module/6ac03b9f037ed06a73d64d27
Automatic full-length draft. Uncertain wording and figures require review.

[00:00:00.980 – 00:00:25.080] Backup Tax Money. Tahu tak sebenarnya, duit yang kita dah simpan tadi tu, yang ni, katalah duit dalam ni, katakanlah ada RM75,000. Alhamdulillah tuan, saya dah ada RM75,000 cash reserve. Sebab kita takut-takut bila kita dah audit, bila kita buat final year audit.

[00:00:25.080 – 00:00:26.440] audit final

[00:00:28.120 – 00:00:29.040] final audit

[00:00:29.040 – 00:00:30.800] untuk kita hujung tahun nanti

[00:00:30.800 – 00:00:31.880] katalah dalam setahun ni kan

[00:00:31.880 – 00:00:33.580] audit yang bulan 12 ni

[00:00:33.580 – 00:00:35.120] eh bulan 12 pula

[00:00:35.120 – 00:00:35.920] bulan 3 ni

[00:00:35.920 – 00:00:37.900] dekat sini lah kita audit company

[00:00:37.900 – 00:00:39.000] ni bulan 1

[00:00:39.000 – 00:00:40.720] alamat tak cukup

[00:00:40.720 – 00:00:41.560] mana nak ambil

[00:00:41.560 – 00:00:42.560] ambil daripada

[00:00:42.560 – 00:00:43.920] emergency account ni

[00:00:43.920 – 00:00:45.460] ini juga boleh menjadi duit

[00:00:45.460 – 00:00:46.360] untuk kita tarik

[00:00:46.360 – 00:00:48.140] sebab kita tak nak tarik duit daripada sini

[00:00:48.140 – 00:00:49.680] ini duit tax

[00:00:49.680 – 00:00:50.720] mungkin duit ni dah kering

[00:00:50.720 – 00:00:51.720] patutnya tarik daripada sini

[00:00:52.780 – 00:00:53.820] tapi tiba-tiba

[00:00:53.820 – 00:00:54.560] terpaksa lah

[00:00:54.560 – 00:00:55.920] Tariklah daripada emergency account

[00:00:55.920 – 00:00:57.160] Sebab tax ni

[00:00:57.620 – 00:00:58.040] Sorry

[00:00:58.040 – 00:00:59.400] Tax ni kita nak bayar ke sini

[00:00:59.400 – 00:01:00.720] Tapi duit tax tak ada

[00:01:00.720 – 00:01:01.540] Tarik daripada emergency account

[00:01:02.520 – 00:01:04.060] Sepatutnya sini lah duit yang kita tarik tu

[00:01:04.060 – 00:01:05.160] Bukanlah sini kan

[00:01:05.160 – 00:01:06.480] Tapi kalau kita tak cukup

[00:01:06.480 – 00:01:07.020] Boleh ambil daripada sini

[00:01:07.020 – 00:01:08.680] Lepas tu kita ada satu lagi account

[00:01:08.680 – 00:01:09.220] FIA

[00:01:09.220 – 00:01:10.380] Future investment account

[00:01:10.380 – 00:01:11.700] Kita tak nak tarik duit daripada sini juga

[00:01:11.700 – 00:01:13.160] Kita tak nak tarik daripada sini

[00:01:13.160 – 00:01:14.060] Ini tak nak tarik

[00:01:14.060 – 00:01:14.760] Sini tak nak tarik

[00:01:14.760 – 00:01:17.080] Kita nak tarik paling-paling pun daripada dua ni

[00:01:17.900 – 00:01:18.320] Lepas

[00:01:19.000 – 00:01:20.520] Emergency account ataupun tax account

[00:01:20.520 – 00:01:21.700] Yang ni operating

[00:01:22.800 – 00:01:24.060] Operating account takkan nak tarik

[00:01:24.060 – 00:01:25.260] ini duit nak bayar customer

[00:01:25.260 – 00:01:28.080] duit bayar vendor, duit nak bayar staff

[00:01:28.080 – 00:01:29.840] so emergency account ni boleh

[00:01:29.840 – 00:01:32.260] menjadi duit simpanan

[00:01:32.260 – 00:01:34.080] tabung, backup plan

[00:01:34.080 – 00:01:35.400] untuk kita membayar

[00:01:35.400 – 00:01:36.640] tax kita

[00:01:38.180 – 00:01:39.980] so itu adalah backup duit

[00:01:39.980 – 00:01:41.440] yang kita boleh sediakan

[00:01:42.300 – 00:01:43.540] jadi boleh tengok kat sini

[00:01:44.540 – 00:01:45.860] backup duit kita

[00:01:45.860 – 00:01:47.940] first kali katalah profit kita

[00:01:47.940 – 00:01:49.940] 10k, ni saya dah tolong kirakan

[00:01:49.940 – 00:01:51.340] untuk awak lah, untuk awak faham

[00:01:51.340 – 00:01:53.760] enterprise, kosong

[00:01:53.760 – 00:01:56.460] Tak ada duit, tak ada apa-apa tax

[00:01:56.460 – 00:01:58.520] RM30,000, awak stand by RM300

[00:01:58.520 – 00:02:00.020] Nampak kan? Beza eh

[00:02:00.660 – 00:02:01.760] Mahal ni, sering-mahat

[00:02:01.760 – 00:02:02.800] 50%

[00:02:03.880 – 00:02:06.180] Enterprise tak kena tax sebab bawah threshold individu

[00:02:06.180 – 00:02:08.040] Dia kalau income bawah RM4,000

[00:02:08.040 – 00:02:09.720] Tak kena tax lah, setahun

[00:02:09.720 – 00:02:11.180] RM4,000 maksudnya

[00:02:11.180 – 00:02:12.600] RM4,000 darab dengan

[00:02:13.400 – 00:02:15.180] 12 bulan, perlum RM4,000

[00:02:15.180 – 00:02:18.140] Yang ni pula, individu ada rebate, relief tax kecil

[00:02:18.140 – 00:02:19.560] Ha, ni memang kecil sangat lah, RM300,000

[00:02:20.340 – 00:02:21.940] Yang ni pula adalah RM4,500

[00:02:21.940 – 00:02:24.480] RM4,200. Lepas tu, kalau profit

[00:02:24.480 – 00:02:26.600] awak RM100,000, individu

[00:02:26.600 – 00:02:28.620] kena bayar RM8,000, company kena bayar RM15,000.

[00:02:28.880 – 00:02:30.160] Nampak? Sebab tu saya tak, saya rekomen

[00:02:30.640 – 00:02:31.440] siapa yang

[00:02:32.780 – 00:02:34.340] untung baru sekadar RM10,000.

[00:02:34.440 – 00:02:36.400] Tadi kan saya tahu kan? RM10,000 profit guys.

[00:02:37.260 – 00:02:38.220] Tak payah geli-geli lah

[00:02:38.220 – 00:02:40.300] kalau profit RM10,000 pemban ni nak buat enterprise.

[00:02:40.600 – 00:02:42.160] Nak buat serembahat. Sebab

[00:02:42.160 – 00:02:44.300] profit awak RM120,000. Tengok, lagi mahal bayar.

[00:02:45.100 – 00:02:45.780] RM8,000.

[00:02:46.980 – 00:02:48.140] RM8,000 kat sini murah.

[00:02:48.280 – 00:02:50.160] Ini lagi mahal bayar. RM15,000 nak bayar.

[00:02:51.160 – 00:02:52.680] tapi bila profit awak

[00:02:52.680 – 00:02:53.900] dah lebih RM30,000

[00:02:53.900 – 00:02:55.600] maksudnya lebih RM300,000

[00:02:57.460 – 00:02:58.880] enterprise, mahal gila

[00:02:58.880 – 00:03:01.280] RM60,000, sini RM48,000 je

[00:03:01.280 – 00:03:02.700] dia dah start murah

[00:03:02.700 – 00:03:05.220] katalah profit awak RM1,000,000

[00:03:05.220 – 00:03:07.080] RM1,000,000 dekat sini bayar RM250,000

[00:03:07.080 – 00:03:08.240] sebab dia dah flat

[00:03:08.240 – 00:03:09.920] dia susah nak ada penolakan dah

[00:03:09.920 – 00:03:12.460] tapi RM100,000 awak ada banyak-banyak penolakan

[00:03:12.460 – 00:03:14.860] last kali awak bayar dalam RM214,000

[00:03:14.860 – 00:03:15.540] contohnya

[00:03:15.540 – 00:03:18.460] RM3,000,000, RM800,000, RM600,000

[00:03:18.460 – 00:03:19.080] dia dah lagi beza

[00:03:19.080 – 00:03:21.240] 10 juta lagi beza

[00:03:21.240 – 00:03:23.040] So that's why

[00:03:24.000 – 00:03:25.020] Ini adalah

[00:03:25.020 – 00:03:27.220] Mengikut average ke atas

[00:03:27.220 – 00:03:29.120] Dan katakanlah awak

[00:03:29.120 – 00:03:31.180] Nak buat profit dalam

[00:03:31.180 – 00:03:32.900] 300 ribu, awak stand by 60 ribu

[00:03:32.900 – 00:03:34.960] Ataupun 48 ribu, so itulah

[00:03:34.960 – 00:03:36.160] Duit tax yang kena ada

[00:03:36.160 – 00:03:39.140] Dan kalau tengok emergency account pun ada 75 ribu

[00:03:39.140 – 00:03:40.240] So cukup lah duit tu nak bayar

[00:03:41.360 – 00:03:41.960] Jadi

[00:03:42.840 – 00:03:44.480] Gap semakin lama semakin besar

[00:03:44.480 – 00:03:46.800] Dan SME, SME ni maksudnya

[00:03:46.800 – 00:03:48.660] Serembahat lah, SME ni

[00:03:48.660 – 00:03:49.700] jauh lebih

[00:03:50.240 – 00:03:50.720] efisien

[00:03:50.720 – 00:03:51.540] sebab yang ni micro

[00:03:51.540 – 00:03:52.380] yang ni enterprise

[00:03:52.380 – 00:03:53.500] dia lagi lah

[00:03:53.500 – 00:03:54.200] lampu kecil

[00:03:54.200 – 00:03:55.640] jadi awak kena tahu

[00:03:55.640 – 00:03:57.080] yang emergency account ni

[00:03:57.080 – 00:03:58.120] kenapa kita nak stand by

[00:03:58.120 – 00:03:59.380] dan kita tak nak kacau dia

[00:03:59.380 – 00:03:59.840] sebab

[00:03:59.840 – 00:04:00.880] in the case of

[00:04:00.880 – 00:04:01.940] kita nak kena bayar tax

[00:04:01.940 – 00:04:03.120] emergency account ni

[00:04:03.120 – 00:04:03.680] kita akan guna

[00:04:03.680 – 00:04:05.160] dan dia akan jadi kosong balik

[00:04:05.160 – 00:04:05.560] betul lah

[00:04:05.560 – 00:04:06.760] dia akan jadi zero

[00:04:06.760 – 00:04:07.640] kosong balik lah

[00:04:07.640 – 00:04:08.400] emergency account kita

[00:04:08.400 – 00:04:09.400] so tabung lah balik

[00:04:09.400 – 00:04:10.480] tabung lah balik

[00:04:10.480 – 00:04:12.080] slow-slow 30%

[00:04:12.080 – 00:04:12.640] tabung lah lagi

[00:04:12.640 – 00:04:13.900] slow-slow 30%

[00:04:13.900 – 00:04:14.800] tabung slow-slow

[00:04:15.400 – 00:04:16.640] jadi ini adalah mindset

[00:04:16.640 – 00:04:17.180] yang kita nak buat

[00:04:17.180 – 00:04:18.140] emergency account

[00:04:18.140 – 00:04:20.440] wajib ada dan bila duit tak cukup

[00:04:20.440 – 00:04:22.080] tarik daripada emergency account

[00:04:22.080 – 00:04:23.820] even untuk pembayaran tax

[00:04:23.820 – 00:04:25.560] ok, jumpa dalam video yang seterusnya

[00:04:25.560 – 00:04:26.440] Zas