Backup Tax Money Draf transkrip automatik penuh. Pembetulan istilah berdasarkan sumber direkodkan secara berasingan; tanda semakan menunjukkan perkataan yang perlu diperiksa. [00:00:00–00:00:25] 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. [semak: uncertain words, number or amount] [00:00:25–00:00:26] audit final [00:00:28–00:00:29] final audit [00:00:29–00:00:30] untuk kita hujung tahun nanti [00:00:30–00:00:31] katalah dalam setahun ni kan [00:00:31–00:00:33] audit yang bulan 12 ni [semak: number or amount] [00:00:33–00:00:35] eh bulan 12 pula [semak: number or amount] [00:00:35–00:00:35] bulan 3 ni [semak: number or amount] [00:00:35–00:00:37] dekat sini lah kita audit company [semak: uncertain words] [00:00:37–00:00:39] ni bulan 1 [semak: uncertain words, number or amount] [00:00:39–00:00:40] alamat tak cukup [00:00:40–00:00:41] mana nak ambil [00:00:41–00:00:42] ambil daripada [00:00:42–00:00:43] emergency account ni [00:00:43–00:00:45] ini juga boleh menjadi duit [00:00:45–00:00:46] untuk kita tarik [00:00:46–00:00:48] sebab kita tak nak tarik duit daripada sini [00:00:48–00:00:49] ini duit tax [semak: uncertain words] [00:00:49–00:00:50] mungkin duit ni dah kering [00:00:50–00:00:51] patutnya tarik daripada sini [00:00:52–00:00:53] tapi tiba-tiba [00:00:53–00:00:54] terpaksa lah [00:00:54–00:00:55] Tariklah daripada emergency account [00:00:55–00:00:57] Sebab tax ni [semak: uncertain words] [00:00:57–00:00:58] Sorry [00:00:58–00:00:59] Tax ni kita nak bayar ke sini [00:00:59–00:01:00] Tapi duit tax tak ada [00:01:00–00:01:01] Tarik daripada emergency account [00:01:02–00:01:04] Sepatutnya sini lah duit yang kita tarik tu [semak: uncertain words] [00:01:04–00:01:05] Bukanlah sini kan [00:01:05–00:01:06] Tapi kalau kita tak cukup [00:01:06–00:01:07] Boleh ambil daripada sini [00:01:07–00:01:08] Lepas tu kita ada satu lagi account [00:01:08–00:01:09] FIA [00:01:09–00:01:10] Future investment account [semak: uncertain words] [00:01:10–00:01:11] Kita tak nak tarik duit daripada sini juga [semak: uncertain words] [00:01:11–00:01:13] Kita tak nak tarik daripada sini [00:01:13–00:01:14] Ini tak nak tarik [00:01:14–00:01:14] Sini tak nak tarik [semak: uncertain words] [00:01:14–00:01:17] Kita nak tarik paling-paling pun daripada dua ni [00:01:17–00:01:18] Lepas [00:01:19–00:01:20] Emergency account ataupun tax account [semak: uncertain words] [00:01:20–00:01:21] Yang ni operating [00:01:22–00:01:24] Operating account takkan nak tarik [semak: uncertain words] [00:01:24–00:01:25] ini duit nak bayar customer [semak: uncertain words] [00:01:25–00:01:28] duit bayar vendor, duit nak bayar staff [00:01:28–00:01:29] so emergency account ni boleh [00:01:29–00:01:32] menjadi duit simpanan [00:01:32–00:01:34] tabung, backup plan [00:01:34–00:01:35] untuk kita membayar [00:01:35–00:01:36] tax kita [00:01:38–00:01:39] so itu adalah backup duit [00:01:39–00:01:41] yang kita boleh sediakan [00:01:42–00:01:43] jadi boleh tengok kat sini [00:01:44–00:01:45] backup duit kita [00:01:45–00:01:47] first kali katalah profit kita [semak: uncertain words] [00:01:47–00:01:49] 10k, ni saya dah tolong kirakan [semak: number or amount] [00:01:49–00:01:51] untuk awak lah, untuk awak faham [00:01:51–00:01:53] enterprise, kosong [00:01:53–00:01:56] Tak ada duit, tak ada apa-apa tax [00:01:56–00:01:58] RM30,000, awak stand by RM300 [semak: uncertain words, number or amount] [00:01:58–00:02:00] Nampak kan? Beza eh [00:02:00–00:02:01] Mahal ni, sering-mahat [semak: uncertain words] [00:02:01–00:02:02] 50% [semak: uncertain words, number or amount] [00:02:03–00:02:06] Enterprise tak kena tax sebab bawah threshold individu [00:02:06–00:02:08] Dia kalau income bawah RM4,000 [semak: number or amount] [00:02:08–00:02:09] Tak kena tax lah, setahun [semak: uncertain words] [00:02:09–00:02:11] RM4,000 maksudnya [semak: number or amount] [00:02:11–00:02:12] RM4,000 darab dengan [semak: number or amount] [00:02:13–00:02:15] 12 bulan, perlum RM4,000 [semak: uncertain words, number or amount] [00:02:15–00:02:18] Yang ni pula, individu ada rebate, relief tax kecil [semak: uncertain words] [00:02:18–00:02:19] Ha, ni memang kecil sangat lah, RM300,000 [semak: uncertain words, number or amount] [00:02:20–00:02:21] Yang ni pula adalah RM4,500 [semak: number or amount] [00:02:21–00:02:24] RM4,200. Lepas tu, kalau profit [semak: uncertain words, number or amount] [00:02:24–00:02:26] awak RM100,000, individu [semak: number or amount] [00:02:26–00:02:28] kena bayar RM8,000, company kena bayar RM15,000. [semak: number or amount] [00:02:28–00:02:30] Nampak? Sebab tu saya tak, saya rekomen [00:02:30–00:02:31] siapa yang [00:02:32–00:02:34] untung baru sekadar RM10,000. [semak: number or amount] [00:02:34–00:02:36] Tadi kan saya tahu kan? RM10,000 profit guys. [semak: uncertain words, number or amount] [00:02:37–00:02:38] Tak payah geli-geli lah [00:02:38–00:02:40] kalau profit RM10,000 pemban ni nak buat enterprise. [semak: uncertain words, number or amount] [00:02:40–00:02:42] Nak buat serembahat. Sebab [semak: uncertain words] [00:02:42–00:02:44] profit awak RM120,000. Tengok, lagi mahal bayar. [semak: number or amount] [00:02:45–00:02:45] RM8,000. [semak: number or amount] [00:02:46–00:02:48] RM8,000 kat sini murah. [semak: number or amount] [00:02:48–00:02:50] Ini lagi mahal bayar. RM15,000 nak bayar. [semak: uncertain words, number or amount] [00:02:51–00:02:52] tapi bila profit awak [semak: uncertain words] [00:02:52–00:02:53] dah lebih RM30,000 [semak: number or amount] [00:02:53–00:02:55] maksudnya lebih RM300,000 [semak: number or amount] [00:02:57–00:02:58] enterprise, mahal gila [semak: uncertain words] [00:02:58–00:03:01] RM60,000, sini RM48,000 je [semak: uncertain words, number or amount] [00:03:01–00:03:02] dia dah start murah [00:03:02–00:03:05] katalah profit awak RM1,000,000 [semak: number or amount] [00:03:05–00:03:07] RM1,000,000 dekat sini bayar RM250,000 [semak: number or amount] [00:03:07–00:03:08] sebab dia dah flat [00:03:08–00:03:09] dia susah nak ada penolakan dah [semak: uncertain words] [00:03:09–00:03:12] tapi RM100,000 awak ada banyak-banyak penolakan [semak: uncertain words, number or amount] [00:03:12–00:03:14] last kali awak bayar dalam RM214,000 [semak: number or amount] [00:03:14–00:03:15] contohnya [00:03:15–00:03:18] RM3,000,000, RM800,000, RM600,000 [semak: number or amount] [00:03:18–00:03:19] dia dah lagi beza [00:03:19–00:03:21] 10 juta lagi beza [semak: uncertain words, number or amount] [00:03:21–00:03:23] So that's why [semak: uncertain words] [00:03:24–00:03:25] Ini adalah [00:03:25–00:03:27] Mengikut average ke atas [00:03:27–00:03:29] Dan katakanlah awak [00:03:29–00:03:31] Nak buat profit dalam [semak: uncertain words] [00:03:31–00:03:32] 300 ribu, awak stand by 60 ribu [semak: uncertain words, number or amount] [00:03:32–00:03:34] Ataupun 48 ribu, so itulah [semak: number or amount] [00:03:34–00:03:36] Duit tax yang kena ada [00:03:36–00:03:39] Dan kalau tengok emergency account pun ada 75 ribu [semak: uncertain words, number or amount] [00:03:39–00:03:40] So cukup lah duit tu nak bayar [00:03:41–00:03:41] Jadi [00:03:42–00:03:44] Gap semakin lama semakin besar [00:03:44–00:03:46] Dan SME, SME ni maksudnya [semak: uncertain words] [00:03:46–00:03:48] Serembahat lah, SME ni [00:03:48–00:03:49] jauh lebih [00:03:50–00:03:50] efisien [00:03:50–00:03:51] sebab yang ni micro [00:03:51–00:03:52] yang ni enterprise [semak: uncertain words] [00:03:52–00:03:53] dia lagi lah [semak: uncertain words] [00:03:53–00:03:54] lampu kecil [00:03:54–00:03:55] jadi awak kena tahu [00:03:55–00:03:57] yang emergency account ni [00:03:57–00:03:58] kenapa kita nak stand by [semak: uncertain words] [00:03:58–00:03:59] dan kita tak nak kacau dia [00:03:59–00:03:59] sebab [00:03:59–00:04:00] in the case of [00:04:00–00:04:01] kita nak kena bayar tax [00:04:01–00:04:03] emergency account ni [00:04:03–00:04:03] kita akan guna [00:04:03–00:04:05] dan dia akan jadi kosong balik [00:04:05–00:04:05] betul lah [semak: uncertain words] [00:04:05–00:04:06] dia akan jadi zero [00:04:06–00:04:07] kosong balik lah [00:04:07–00:04:08] emergency account kita [00:04:08–00:04:09] so tabung lah balik [00:04:09–00:04:10] tabung lah balik [00:04:10–00:04:12] slow-slow 30% [semak: number or amount] [00:04:12–00:04:12] tabung lah lagi [00:04:12–00:04:13] slow-slow 30% [semak: number or amount] [00:04:13–00:04:14] tabung slow-slow [00:04:15–00:04:16] jadi ini adalah mindset [00:04:16–00:04:17] yang kita nak buat [00:04:17–00:04:18] emergency account [00:04:18–00:04:20] wajib ada dan bila duit tak cukup [00:04:20–00:04:22] tarik daripada emergency account [semak: uncertain words] [00:04:22–00:04:23] even untuk pembayaran tax [00:04:23–00:04:25] ok, jumpa dalam video yang seterusnya [semak: uncertain words] [00:04:25–00:04:26] Zas [semak: uncertain words]