Survival, Standard & Luxury
Source: https://coachadib.com/module/6ac0b8e5256026b42ca7eb68
Automatic full-length draft. Uncertain wording and figures require review.

[00:00:02.410 – 00:00:05.070] Salary vs Dividend.

[00:00:06.310 – 00:00:12.550] Mari kita mulakan video tentang Survival, Standard & Luxury.

[00:00:12.690 – 00:00:20.810] Okay guys, untuk awak merancang income ke depan, awak kena merancang kemarau yang akan datang di belakang.

[00:00:21.130 – 00:00:23.630] So, saya nak awak bila desain income awak ni, buat tiga.

[00:00:24.230 – 00:00:28.090] Pertama sekali adalah yang kita impikan. Of course, luxury.

[00:00:29.370 – 00:00:31.230] Luxury ni yang kita semua impikan

[00:00:31.230 – 00:00:32.030] Kalau boleh bisnis

[00:00:32.030 – 00:00:33.070] Eh untung terus boleh tak?

[00:00:33.410 – 00:00:34.230] Tapi tak boleh

[00:00:34.790 – 00:00:35.350] Kan?

[00:00:35.490 – 00:00:36.490] Ujian mesti akan datang

[00:00:36.490 – 00:00:37.670] So awak kena stand by untuk

[00:00:38.950 – 00:00:39.510] Survival

[00:00:39.510 – 00:00:41.830] Dan kita ada pula level standard

[00:00:41.830 – 00:00:43.750] So kita buat 3 cukup lah

[00:00:44.830 – 00:00:45.390] Standard

[00:00:46.310 – 00:00:47.210] Survival luxury

[00:00:47.210 – 00:00:48.190] Apa maksud survival?

[00:00:48.290 – 00:00:49.250] Tak ada saving langsung

[00:00:49.250 – 00:00:49.770] Tengok macam ni

[00:00:49.770 – 00:00:50.870] Tiada saving langsung

[00:00:50.870 – 00:00:52.650] Cut semua perbelanjaan

[00:00:52.650 – 00:00:55.030] Insurance, nafkah, makanan, ETC

[00:00:55.030 – 00:00:55.510] Semualah

[00:00:55.510 – 00:00:55.990] Boleh kata

[00:00:55.990 – 00:00:57.050] Bila saya kata survive

[00:00:57.050 – 00:00:58.010] Awak betul-betul survive

[00:00:58.010 – 00:00:59.370] Sikit lagi nak makan pasir

[00:00:59.370 – 00:01:00.490] Sikit je lagi

[00:01:00.490 – 00:01:01.890] So survival ni

[00:01:01.890 – 00:01:02.350] Sampai tahap

[00:01:02.350 – 00:01:03.250] Awak kena potong semua

[00:01:03.250 – 00:01:03.970] Bukanlah macam

[00:01:03.970 – 00:01:04.610] Maintain lifestyle

[00:01:04.610 – 00:01:05.190] Sekarang

[00:01:05.190 – 00:01:05.850] Kalau katalah

[00:01:05.850 – 00:01:07.010] Sekarang awak boleh makan

[00:01:07.010 – 00:01:07.670] Sedap-sedap

[00:01:07.670 – 00:01:08.510] Bayang insurans

[00:01:08.510 – 00:01:09.910] Level survival ni

[00:01:09.910 – 00:01:10.990] Level yang awak macam

[00:01:10.990 – 00:01:12.050] Bayangkan awak menganggu

[00:01:12.050 – 00:01:12.870] Awak sampai terpaksa

[00:01:12.870 – 00:01:14.450] Masuk activate survival mode

[00:01:14.450 – 00:01:15.210] Itu survival

[00:01:15.210 – 00:01:16.690] So mungkin income awak

[00:01:16.690 – 00:01:17.450] Sekarang RM5,000

[00:01:17.450 – 00:01:18.450] Awak boleh survive

[00:01:18.450 – 00:01:19.230] Dengan income RM2,500

[00:01:19.230 – 00:01:20.470] Kena design benda tu

[00:01:20.470 – 00:01:20.970] List kan

[00:01:20.970 – 00:01:22.030] Itu nombor satu

[00:01:22.030 – 00:01:23.090] Nombor dua adalah

[00:01:23.090 – 00:01:23.710] Level standard

[00:01:23.710 – 00:01:24.910] Standard ni pula

[00:01:24.910 – 00:01:26.030] Ada saving

[00:01:27.030 – 00:01:27.790] Maksudnya awak

[00:01:27.790 – 00:01:29.890] Maintain lifestyle yang sedia ada

[00:01:29.890 – 00:01:30.910] Dan ada saving

[00:01:32.250 – 00:01:33.950] Ini boleh kata

[00:01:33.950 – 00:01:35.190] Macam almost downgrade lah

[00:01:35.190 – 00:01:36.990] Downgrade lifestyle

[00:01:39.100 – 00:01:41.180] Plus tak ada saving

[00:01:42.810 – 00:01:45.030] Yang ni ada saving

[00:01:45.030 – 00:01:46.430] Plus maintain

[00:01:46.430 – 00:01:48.730] Boleh maintain lifestyle awak

[00:01:50.400 – 00:01:52.780] Okay next kita pergi pula kepada

[00:01:52.780 – 00:01:54.900] Yang diimpikan luxury

[00:01:54.900 – 00:01:56.120] Luxury

[00:01:56.120 – 00:01:58.260] Awak boleh upgrade

[00:01:59.620 – 00:02:00.500] Sebanyak

[00:02:00.500 – 00:02:02.580] Satu ataupun dua sahaja

[00:02:02.580 – 00:02:04.080] Lifestyle awak

[00:02:05.880 – 00:02:06.700] Apa itu

[00:02:06.700 – 00:02:08.760] Lifestyle? Okay, jom kita tengok kat bawah ni

[00:02:08.760 – 00:02:10.640] Ada lima jenis lifestyle

[00:02:10.640 – 00:02:12.740] Yang common, yang biasa orang akan

[00:02:12.740 – 00:02:14.520] Upgrade dan lima lifestyle optional

[00:02:15.160 – 00:02:16.300] Nombor satu adalah

[00:02:16.300 – 00:02:18.540] Lifestyle food

[00:02:18.540 – 00:02:20.220] Tak semua orang nak upgrade makanan

[00:02:20.220 – 00:02:22.520] Ada orang dia suka makan sedap, nombor dua shopping

[00:02:22.520 – 00:02:24.540] Ada orang dia nak shopping, dia tak kisah

[00:02:24.540 – 00:02:26.720] Pasal makanan, ni pun beza-beza pula

[00:02:26.720 – 00:02:28.380] Ada orang dia bukan orang shopping

[00:02:28.380 – 00:02:30.540] Dia orang kereta, weh tuan saya sanggup tidur

[00:02:30.540 – 00:02:32.400] Dalam kereta lah, orang pula

[00:02:32.400 – 00:02:32.980] Ada orang rumah

[00:02:32.980 – 00:02:34.080] Orang rumah

[00:02:34.660 – 00:02:35.480] Macam saya

[00:02:35.480 – 00:02:36.240] Saya orang rumah lah

[00:02:36.240 – 00:02:37.620] Saya suka rumah yang selesa

[00:02:37.620 – 00:02:38.380] Saya tak adalah nak

[00:02:38.380 – 00:02:39.340] Hive sangat kereta

[00:02:39.340 – 00:02:40.760] Shopee makan tak sangat

[00:02:40.760 – 00:02:42.040] So saya lebih berdua rumah

[00:02:42.040 – 00:02:42.720] Awak orang apa

[00:02:42.720 – 00:02:44.360] Saya tak suka travel

[00:02:44.960 – 00:02:45.820] Contoh kan

[00:02:45.820 – 00:02:47.060] Nombor lima adalah

[00:02:47.060 – 00:02:48.580] Orang yang suka travel

[00:02:48.580 – 00:02:50.220] Eh dia tak kisahlah

[00:02:50.220 – 00:02:51.640] Kalau kereta tak best

[00:02:51.640 – 00:02:52.360] Rumah tak best

[00:02:52.360 – 00:02:53.100] Saya tuan

[00:02:53.100 – 00:02:54.360] Kalau saya ada duit

[00:02:54.360 – 00:02:55.160] Saya nak travel

[00:02:55.160 – 00:02:56.240] Ada macam tu

[00:02:56.240 – 00:02:57.640] Dia adalah orang yang

[00:02:57.640 – 00:02:58.240] Lifestyle dia

[00:02:58.240 – 00:02:59.180] Aku nak upgrade travel

[00:02:59.180 – 00:03:00.600] Sekarang dalam negara

[00:03:00.600 – 00:03:01.880] Nanti luar negara

[00:03:02.400 – 00:03:03.820] Okay, next pula, 5 yang seterusnya.

[00:03:03.980 – 00:03:05.600] Sebab ini 5 yang paling common lah.

[00:03:05.700 – 00:03:07.120] Saya rasa banyak orang akan upgrade ini.

[00:03:07.460 – 00:03:08.820] 5 yang optional adalah,

[00:03:09.000 – 00:03:10.140] nombor 1, saya ada anak.

[00:03:10.380 – 00:03:12.720] Saya nak upgrade education anak saya.

[00:03:13.460 – 00:03:14.960] Orang tak ada anak, tak kisahlah macam ni.

[00:03:15.400 – 00:03:16.640] Tapi kalau awak ada anak,

[00:03:16.760 – 00:03:17.680] mungkin yang ni yang wajib.

[00:03:17.740 – 00:03:19.240] Awak sanggup lah rumah, travel tak,

[00:03:19.340 – 00:03:20.240] awak pergi upgrade ni dulu.

[00:03:20.700 – 00:03:21.540] Nombor 2 adalah,

[00:03:21.820 – 00:03:22.900] upgrade dari sudut donation.

[00:03:23.280 – 00:03:24.480] Saya nak tolong mak saya,

[00:03:24.780 – 00:03:25.540] hantar pergi hospital.

[00:03:25.780 – 00:03:26.340] Ini donation.

[00:03:26.540 – 00:03:28.680] Derma pada adik-adik ke, zakat ke, apakah.

[00:03:29.160 – 00:03:31.080] Nombor 3, awak nak ada hobi.

[00:03:31.080 – 00:03:33.160] Saya suka memancing tuan

[00:03:33.160 – 00:03:35.000] Saya kalau pun nak memancing jiran sebelah

[00:03:35.000 – 00:03:35.200] Eh

[00:03:35.200 – 00:03:37.620] Awak nak adalah memancing-mancing apa semua tuan

[00:03:37.620 – 00:03:38.960] Nombor empat adalah

[00:03:38.960 – 00:03:40.580] Awak nak ada mate orang gaji

[00:03:40.580 – 00:03:41.300] Ya Allah

[00:03:41.300 – 00:03:43.120] Dah pernah dah gaduh kat rumah dengan wang

[00:03:43.120 – 00:03:44.220] Nak ada orang gaji pula dah

[00:03:44.220 – 00:03:45.660] Ataupun nak ada PA

[00:03:46.960 – 00:03:47.480] Pembantu

[00:03:47.480 – 00:03:47.980] Eh

[00:03:47.980 – 00:03:48.980] Pembantu am pula

[00:03:48.980 – 00:03:50.120] Eh betul lah

[00:03:50.120 – 00:03:50.900] PA pembantu am eh

[00:03:50.900 – 00:03:51.440] Pasal Melayu

[00:03:52.180 – 00:03:53.120] Personal assistant

[00:03:55.160 – 00:03:56.200] Personal assistant

[00:03:57.900 – 00:03:58.680] Ni adalah

[00:03:58.680 – 00:03:59.240] PA

[00:03:59.240 – 00:04:01.000] So ni pun adalah reward

[00:04:01.000 – 00:04:02.960] juga pada diri kita. Bila awak ada PA, jimat

[00:04:02.960 – 00:04:05.060] 4 jam sehari. Awak ada mate, jimat

[00:04:05.060 – 00:04:06.820] emosi kat rumah. Tak bergaduh dengan wife.

[00:04:08.180 – 00:04:09.140] So, bila

[00:04:09.140 – 00:04:10.980] kita kata luxury, awak kena pilih

[00:04:10.980 – 00:04:12.960] dua je. Mungkin, tuan

[00:04:12.960 – 00:04:14.580] saya nak upgrade kereta

[00:04:14.580 – 00:04:16.740] nombor dua, saya nak upgrade education

[00:04:16.740 – 00:04:18.140] anak. Ini dia maximum.

[00:04:19.000 – 00:04:20.720] Sebab, di antara survival

[00:04:20.720 – 00:04:22.680] dan naik-naik ni, dia

[00:04:22.680 – 00:04:24.960] income awak akan naik. Sebanyak

[00:04:24.960 – 00:04:26.800] berapa persen? Survival ni awak

[00:04:26.800 – 00:04:28.360] top up 30%.

[00:04:29.000 – 00:04:30.460] Daripada standard ke luxury

[00:04:30.460 – 00:04:32.100] Awak top up lagi 30%

[00:04:32.100 – 00:04:34.060] Itu cara kiraan dia

[00:04:34.060 – 00:04:34.780] Contohnya

[00:04:34.780 – 00:04:36.160] Kita buat

[00:04:37.380 – 00:04:38.880] Survival awak adalah berapa

[00:04:38.880 – 00:04:39.860] RM

[00:04:43.020 – 00:04:43.620] RM

[00:04:43.620 – 00:04:44.060] RM

[00:04:44.060 – 00:04:44.320] RM

[00:04:45.360 – 00:04:46.080] RM5,000 lah

[00:04:46.900 – 00:04:48.220] Awak business owner

[00:04:48.220 – 00:04:49.180] Ada staff

[00:04:49.180 – 00:04:49.700] Ada rumah

[00:04:49.700 – 00:04:50.420] RM5,000

[00:04:50.420 – 00:04:51.700] RM5,000

[00:04:51.700 – 00:04:52.700] Campur 30% berapa

[00:04:52.700 – 00:04:53.880] RM

[00:04:54.940 – 00:04:55.960] Tak silap saya

[00:04:55.960 – 00:04:56.440] RM6,500

[00:04:57.700 – 00:04:59.140] Okay, campur lagi 30%

[00:05:04.580 – 00:05:06.640] 8, 4, 5, 0

[00:05:06.640 – 00:05:09.040] Maksudnya, ini calculator paling senang lah

[00:05:09.040 – 00:05:10.060] Sebab tu saya guna 30%

[00:05:10.060 – 00:05:12.300] Awak sekarang ni, kena kira

[00:05:12.300 – 00:05:14.300] Awak punya level survival awak berapa

[00:05:14.300 – 00:05:15.840] Senarai kan, kira betul-betul

[00:05:15.840 – 00:05:16.800] Okay, katalah RM5,000

[00:05:16.800 – 00:05:19.520] Okay, so nak tahu standard awak berapa, ledger berapa

[00:05:19.520 – 00:05:21.260] Ambil je formula 30%

[00:05:21.260 – 00:05:22.760] RM5,000 adalah awak punya survival

[00:05:22.760 – 00:05:25.140] Tambah 30%, sepatutnya ini awak punya standard

[00:05:26.280 – 00:05:27.500] Sebab awak ada extra sikit

[00:05:27.500 – 00:05:28.880] RM1,500, awak boleh ada saving

[00:05:28.880 – 00:05:29.760] Boleh maintain lifestyle

[00:05:29.760 – 00:05:30.860] Ini dah backup

[00:05:30.860 – 00:05:32.000] Biasa orang boleh downgrade pun

[00:05:32.000 – 00:05:32.960] 30% je maksimum

[00:05:32.960 – 00:05:34.640] Lepas tu luxury adalah

[00:05:34.640 – 00:05:35.720] 30% daripada sini

[00:05:35.720 – 00:05:37.440] So RM8,450

[00:05:37.440 – 00:05:39.160] Dengan extra kat sini

[00:05:39.160 – 00:05:40.280] Tengok extra dalam RM2,000

[00:05:40.280 – 00:05:41.620] Mana boleh banyak sangat

[00:05:41.620 – 00:05:42.640] Kereta pun tambahlah

[00:05:42.640 – 00:05:43.940] Satu loan extra kat sini

[00:05:43.940 – 00:05:44.740] Tambah lagi RM800

[00:05:44.740 – 00:05:45.860] Education anak mungkin

[00:05:45.860 – 00:05:46.780] RM1,000 dah habis dah

[00:05:46.780 – 00:05:48.360] Sebab tu saya kat 2 je

[00:05:48.360 – 00:05:49.780] Ataupun mungkin 1 je lifestyle

[00:05:49.780 – 00:05:51.340] Mungkin orang tambah 1

[00:05:51.340 – 00:05:52.840] Tapi orang tambah yang kau-kau

[00:05:52.840 – 00:05:53.460] Boleh jadi juga

[00:05:53.460 – 00:05:55.320] Dan abak kena faham

[00:05:55.320 – 00:05:56.680] Yang ni

[00:05:56.680 – 00:05:59.140] Kalau lah dah jadi 6 bulan

[00:05:59.140 – 00:06:10.220] Dan sebenarnya yang luxury ni pula akan jadi awak punya standard kepada awak adalah nama kan, dinamakan sebagai fasa reset.

[00:06:10.640 – 00:06:11.700] Apa maksud reset?

[00:06:12.220 – 00:06:26.560] Reset maksudnya, kalau saya lukis balik awak punya carta ni, sekarang ni standard awak adalah lifestyle yang sedia ada iaitu RM8450.

[00:06:28.100 – 00:06:29.600] survival awak pula dah

[00:06:29.600 – 00:06:30.720] dah jadi yang tu

[00:06:30.720 – 00:06:32.740] RM6,500 sebab

[00:06:32.740 – 00:06:34.420] awak punya commitment dah naik

[00:06:34.420 – 00:06:37.080] so awak tak boleh dah, kalau awak tak dapat ni

[00:06:37.080 – 00:06:39.240] awak tak boleh survive dah, maka tambah lagi 30%

[00:06:40.180 – 00:06:41.300] tambah lagi 30%

[00:06:41.300 – 00:06:42.380] daripada RM8,450

[00:06:43.480 – 00:06:45.340] luxury awak dah kena upgrade

[00:06:49.520 – 00:06:50.640] RM10,985

[00:06:50.640 – 00:06:51.920] so inilah target awak

[00:06:52.900 – 00:06:54.060] nampak, sebab tu

[00:06:54.060 – 00:06:56.140] awak akan reset setiap

[00:06:56.140 – 00:06:57.520] 6 bulan kebiasaannya

[00:06:57.520 – 00:07:00.040] So awak tak boleh duduk di tempat yang sama

[00:07:00.040 – 00:07:01.860] Adakah benda ni masalah? Tak

[00:07:01.860 – 00:07:02.840] Normal, benda ni normal

[00:07:02.840 – 00:07:05.320] Lepas 6 bulan lagi, tengok dah reset pula

[00:07:05.840 – 00:07:07.560] Yang ni pula jadi awak punya standard

[00:07:07.560 – 00:07:09.140] 10,000 ni

[00:07:09.140 – 00:07:11.800] Okay, 10,000, 985 tambah lagi

[00:07:11.800 – 00:07:13.100] 30%

[00:07:21.740 – 00:07:22.100] Nampak

[00:07:22.680 – 00:07:25.080] So, yang ni dah turun bawah

[00:07:26.280 – 00:07:28.020] Yang ni dah jadi awak punya

[00:07:28.020 – 00:07:29.280] Level survival

[00:07:29.280 – 00:07:31.520] Yang ni dah jadi awak punya level standard

[00:07:31.520 – 00:07:33.320] Maka target awak dah semakin baru

[00:07:33.320 – 00:07:35.100] That's why, yang ni 6 bulan

[00:07:35.860 – 00:07:37.200] Yang ni lagi 6 bulan

[00:07:37.820 – 00:07:39.380] Oh kalau saya tak ni sangat

[00:07:39.380 – 00:07:40.700] Mungkin je 12 bulan

[00:07:40.700 – 00:07:41.720] Dia terpulang lah

[00:07:41.720 – 00:07:43.720] Tapi reset ni confirm berlaku

[00:07:44.220 – 00:07:46.120] Mungkin awak jenis orang yang defensive

[00:07:46.120 – 00:07:46.780] Slow sikit

[00:07:46.780 – 00:07:48.080] Mungkin ambil masa 12 bulan

[00:07:48.080 – 00:07:49.080] Untuk awak reset balik

[00:07:49.080 – 00:07:50.220] Sebab itulah

[00:07:50.220 – 00:07:51.460] Takkan pernah habis

[00:07:51.460 – 00:07:53.240] Awak kata 12 ribu dah cukup

[00:07:53.240 – 00:07:54.120] 12 ribu pun tak cukup

[00:07:54.120 – 00:07:55.580] Lepas tu bila awak dapat 20 ribu

[00:07:55.580 – 00:07:56.440] 20 ribu pun tak cukup

[00:07:56.440 – 00:07:57.640] Bila awak dapat 100 ribu nanti

[00:07:57.640 – 00:07:59.280] 100 ribu pun tak cukup

[00:07:59.280 – 00:07:59.780] Kenapa?

[00:08:00.480 – 00:08:00.960] Inflation

[00:08:00.960 – 00:08:02.480] Itu satu benda tak boleh buat apa

[00:08:03.100 – 00:08:04.600] Inflasi kita dalam sekitar berapa?

[00:08:04.600 – 00:08:06.260] 2% 3%

[00:08:06.260 – 00:08:07.800] So bila ada inflasi

[00:08:07.800 – 00:08:09.580] Semua benda kena reset balik

[00:08:11.620 – 00:08:12.220] Inflasi

[00:08:12.220 – 00:08:12.820] Alright

[00:08:12.820 – 00:08:14.660] So awak kena tahu benda ni

[00:08:14.660 – 00:08:17.320] Barulah bila dalam topik ni

[00:08:17.320 – 00:08:19.100] Salary dan dividend awak jelas

[00:08:19.100 – 00:08:20.280] Dan

[00:08:21.780 – 00:08:23.240] Sleeping partner ni guys

[00:08:23.240 – 00:08:24.740] Dia dapat gaji ke tak ada gaji

[00:08:24.740 – 00:08:26.940] Sleeping partner kalau awak ikut kat sini

[00:08:26.940 – 00:08:28.420] Dia tak ada gaji

[00:08:28.420 – 00:08:30.220] Sleeping partner ni orang yang tidur

[00:08:30.220 – 00:08:31.840] Dalam company tak ada gaji

[00:08:32.540 – 00:08:34.500] Sleeping partner hanya ambil

[00:08:34.500 – 00:08:35.980] quarterly dividend

[00:08:37.340 – 00:08:38.460] sahaja. Manakala

[00:08:38.460 – 00:08:40.540] working partner yang bekerja, dia

[00:08:40.540 – 00:08:42.280] ada salary dan dia ada

[00:08:43.820 – 00:08:44.380] dividend.

[00:08:44.960 – 00:08:46.400] Sleeping partner dia tak ada dividend eh.

[00:08:46.720 – 00:08:48.360] Eh sorry, sleeping partner dia tak ada

[00:08:48.360 – 00:08:50.300] gaji. Dia ada dividend je. Awak tengok lain tu eh.

[00:08:50.940 – 00:08:52.600] Okay, jadi bila awak

[00:08:52.600 – 00:08:54.640] nak bagi profit ataupun bagi

[00:08:54.640 – 00:08:56.720] salary, saya cadangkan salary ni

[00:08:56.720 – 00:08:58.400] kena ikut level yang ni.

[00:08:58.980 – 00:09:00.760] Standard. Contohnya

[00:09:00.760 – 00:09:02.800] awak ada tiga orang. Dia tiga orang.

[00:09:05.530 – 00:09:06.190] Yang ni

[00:09:07.070 – 00:09:07.550] Ali

[00:09:07.550 – 00:09:08.510] Ali ni

[00:09:08.510 – 00:09:09.250] Abu

[00:09:09.950 – 00:09:10.430] Amir

[00:09:12.700 – 00:09:14.020] Siapa yang bekerja dalam company

[00:09:14.020 – 00:09:14.960] Okay

[00:09:14.960 – 00:09:15.780] Yang ni sleep

[00:09:15.780 – 00:09:16.880] Dia tak kerja

[00:09:17.480 – 00:09:18.700] So ni tak ada gaji lah

[00:09:19.440 – 00:09:20.540] Dia tak boleh ambil gaji

[00:09:20.540 – 00:09:21.200] Mana boleh

[00:09:21.200 – 00:09:22.100] Kau tidur tak boleh ambil gaji

[00:09:22.100 – 00:09:22.580] Kau work

[00:09:22.580 – 00:09:23.280] Oh ni aku work

[00:09:23.280 – 00:09:24.340] Abu working dalam company

[00:09:24.340 – 00:09:26.320] Ali pun bekerja dalam company

[00:09:27.180 – 00:09:28.620] So dia kena ambil gaji

[00:09:28.620 – 00:09:29.540] Berapa gaji dia ambil

[00:09:29.540 – 00:09:30.320] Kita set standard

[00:09:30.320 – 00:09:31.120] Katalah kita ambil

[00:09:31.120 – 00:09:32.280] Okay average semua orang gaji

[00:09:32.900 – 00:09:33.840] Ambil standard lah

[00:09:33.840 – 00:09:34.540] Jangan ambil survival

[00:09:34.540 – 00:09:35.700] Survival kan nanti kan

[00:09:35.700 – 00:09:37.080] Tak boleh nak fokus Abu ni

[00:09:37.080 – 00:09:37.600] Dah

[00:09:37.600 – 00:09:39.280] Downgrade sangat takde saving

[00:09:39.280 – 00:09:40.280] Kena bagi level standard

[00:09:40.280 – 00:09:42.000] So Abu dengan Ali sepakat

[00:09:42.000 – 00:09:43.420] Okay kita ambil lebih kurang

[00:09:43.420 – 00:09:44.660] Ali kau ambil RM5,000

[00:09:45.460 – 00:09:46.060] Abu

[00:09:47.880 – 00:09:49.080] Ambil dalam sekitar

[00:09:51.130 – 00:09:52.010] RM4,000

[00:09:52.790 – 00:09:54.090] Macam tu contohnya

[00:09:54.090 – 00:09:56.190] Ali RM5,000

[00:09:56.190 – 00:09:57.390] Abu RM4,000

[00:09:57.390 – 00:09:58.010] Okay ya

[00:09:58.010 – 00:09:58.790] Nampak

[00:09:58.790 – 00:10:00.090] So ini tu adalah level gaji

[00:10:00.090 – 00:10:01.890] Dan gaji ni guys

[00:10:01.890 – 00:10:03.590] Kita kena kira yang ni

[00:10:03.590 – 00:10:04.470] Sebab tu lah

[00:10:04.470 – 00:10:06.310] Kalau director tu lah

[00:10:06.310 – 00:10:07.150] Contoh lah Abu

[00:10:07.150 – 00:10:09.210] Abu punya commitment terlampau tinggi

[00:10:09.210 – 00:10:12.170] Abu ni kalau nak dapatkan yang tu tak lepas

[00:10:12.910 – 00:10:14.810] Untuk Abu dapat sebanyak tu tak lepas

[00:10:14.810 – 00:10:16.590] Dia kena dapat gaji RM6,500

[00:10:17.290 – 00:10:18.310] Macam mana ni pula

[00:10:19.090 – 00:10:21.090] Padahal company boleh offer banyak ni je

[00:10:21.090 – 00:10:25.310] Maka lagi RM2,500 yang extra ni

[00:10:25.310 – 00:10:27.070] Kalau betullah Abu nak

[00:10:27.070 – 00:10:29.370] Dia mungkin kena jadi loan syarikat kepada dia

[00:10:30.030 – 00:10:32.510] Dia ibarat macam tengah ambil gaji advance ke depan

[00:10:32.510 – 00:10:33.410] Sebab Abu cakap

[00:10:33.410 – 00:10:34.610] Bro aku memang nak fokus

[00:10:34.610 – 00:10:36.670] Tapi boleh jadi juga macam tu

[00:10:36.670 – 00:10:38.050] So benda ni pun mencabar lah

[00:10:38.050 – 00:10:38.550] That's why

[00:10:38.550 – 00:10:40.470] Orang yang nak fokus dalam company ni

[00:10:40.470 – 00:10:42.590] Dia kena betul-betul fikir

[00:10:42.590 – 00:10:44.790] Kalau kau nak jadi working partner

[00:10:44.790 – 00:10:45.390] Cukup lah

[00:10:45.390 – 00:10:46.950] Company tak ada duit nak bayar kau banyak-banyak

[00:10:47.990 – 00:10:48.590] Boleh bro

[00:10:48.590 – 00:10:49.290] Tapi jadi hutang

[00:10:49.290 – 00:10:50.390] Then semua kena agree lah

[00:10:50.390 – 00:10:51.810] Abu, Amir semua kena agree lah

[00:10:51.810 – 00:10:53.030] Ali pula macam mana

[00:10:53.030 – 00:10:53.710] Haa nampak

[00:10:53.710 – 00:10:54.650] Struggle is tu kan

[00:10:55.550 – 00:10:55.990] Dan

[00:10:55.990 – 00:10:57.610] Saya share juga dalam slide ni

[00:10:57.610 – 00:10:58.030] Bila kita tengok

[00:10:58.030 – 00:10:58.650] Hierarchy

[00:10:58.650 – 00:11:00.310] Untuk company Sunan Bahad

[00:11:00.310 – 00:11:01.050] Dia ada

[00:11:01.050 – 00:11:01.670] Shareholder

[00:11:01.670 – 00:11:02.390] Paling tinggi

[00:11:02.390 – 00:11:03.130] Level 3

[00:11:03.130 – 00:11:04.670] Director dan juga staff

[00:11:04.670 – 00:11:06.130] Dia ada 3 ni yang paling wajib lah

[00:11:06.130 – 00:11:07.690] Untuk enterprise ada dua je

[00:11:07.690 – 00:11:08.450] Soul prop

[00:11:08.450 – 00:11:09.110] Untuk sorang-sorang

[00:11:09.110 – 00:11:10.370] Ataupun partnership ni dua orang

[00:11:10.370 – 00:11:11.170] Dan juga ada staff

[00:11:11.170 – 00:11:13.010] Dan kalau awak buat structure

[00:11:13.010 – 00:11:14.050] Yang besar gila

[00:11:14.050 – 00:11:14.530] Serembahat

[00:11:14.530 – 00:11:15.310] Dia akan jadi macam ni

[00:11:15.310 – 00:11:16.270] Yang bawah sekali tu

[00:11:16.270 – 00:11:16.570] Nampak

[00:11:16.570 – 00:11:17.730] Dia ada

[00:11:17.730 – 00:11:19.170] Dua lagi extra level

[00:11:19.170 – 00:11:20.390] C level dengan manager

[00:11:20.390 – 00:11:20.910] Maksudnya

[00:11:20.910 – 00:11:21.690] Staff

[00:11:22.270 – 00:11:22.750] Manager

[00:11:22.750 – 00:11:23.470] C level

[00:11:23.470 – 00:11:23.930] Director

[00:11:23.930 – 00:11:24.530] Shareholder

[00:11:25.410 – 00:11:26.910] C level ni macam CEO

[00:11:26.910 – 00:11:27.350] CFO

[00:11:27.350 – 00:11:28.130] Itu normal lah

[00:11:28.130 – 00:11:29.690] Manager ni adalah leader kita

[00:11:29.690 – 00:11:30.310] Sebab biasanya

[00:11:30.890 – 00:11:32.010] Optional punya Serembahat

[00:11:32.010 – 00:11:33.010] Yang saya design kat bawah tu

[00:11:33.010 – 00:11:34.090] Itu untuk team yang ramai

[00:11:34.090 – 00:11:35.590] Bila sale awak dah start

[00:11:35.590 – 00:11:36.730] 1 juta sebulan

[00:11:36.730 – 00:11:37.990] 2 juta sebulan

[00:11:37.990 – 00:11:39.130] ataupun nak masuk

[00:11:39.130 – 00:11:40.030] yang besar-besar ni

[00:11:40.030 – 00:11:40.490] awak dah

[00:11:40.490 – 00:11:41.590] kena ada structure

[00:11:42.270 – 00:11:43.450] mungkin tak ada C-level

[00:11:43.450 – 00:11:44.230] sebab ada senang company

[00:11:44.230 – 00:11:45.290] tak nak ada C-level pun

[00:11:45.290 – 00:11:46.030] dia optional pun

[00:11:46.030 – 00:11:47.310] yang wajib sebenarnya

[00:11:47.310 – 00:11:47.590] yang

[00:11:47.590 – 00:11:48.730] haraki serambahat tu

[00:11:48.730 – 00:11:50.070] mesti kena ada staff

[00:11:50.070 – 00:11:50.830] sebab awak nak cari

[00:11:50.830 – 00:11:51.330] kena BSP

[00:11:51.810 – 00:11:52.810] mesti ada director

[00:11:52.810 – 00:11:53.870] mesti ada seorang wakil

[00:11:53.870 – 00:11:54.210] director

[00:11:54.210 – 00:11:54.910] ibarat macam

[00:11:54.910 – 00:11:55.470] Perdana Menteri

[00:11:55.470 – 00:11:56.290] mesti ada shareholder

[00:11:56.290 – 00:11:57.490] pemilik syarikat

[00:11:57.490 – 00:11:58.690] yang melantik director

[00:11:58.690 – 00:12:00.070] tapi kalau enterprise

[00:12:00.070 – 00:12:00.490] dia tak ada

[00:12:00.490 – 00:12:01.730] even enterprise

[00:12:01.730 – 00:12:02.690] kalau awak nak buat

[00:12:02.690 – 00:12:03.770] share apa semua tu

[00:12:03.770 – 00:12:04.810] awak kena buat separate

[00:12:05.710 – 00:12:06.630] Partnership agreement

[00:12:06.630 – 00:12:09.030] Sebab awak nak buat unit share pun tak ada

[00:12:09.030 – 00:12:10.530] Awak boleh tahu lah dalam partnership agreement

[00:12:10.530 – 00:12:11.490] Kita buat buat tulis

[00:12:12.110 – 00:12:13.790] Keuntungan yang ni dapat 40%

[00:12:13.790 – 00:12:14.990] Yang ni dapat 60%

[00:12:14.990 – 00:12:16.210] 60-40 contohnya

[00:12:16.210 – 00:12:16.650] Okay

[00:12:16.650 – 00:12:18.970] So untuk gaji

[00:12:18.970 – 00:12:19.910] Jawapan ni adalah

[00:12:19.910 – 00:12:23.090] Ambil level standard sahaja

[00:12:23.710 – 00:12:24.630] Standard sahaja

[00:12:24.630 – 00:12:25.630] Jangan ambil lebih sangat

[00:12:25.630 – 00:12:26.770] Jangan ambil level luxury

[00:12:26.770 – 00:12:27.630] Jangan ambil survival

[00:12:27.630 – 00:12:28.610] Ini pun masalah

[00:12:28.610 – 00:12:29.950] Banyak orang cuba ambil survival

[00:12:29.950 – 00:12:30.570] Masalah

[00:12:30.570 – 00:12:32.790] Sebab awak akan sabotaj dia awak

[00:12:32.790 – 00:12:33.230] Kononnya

[00:12:33.230 – 00:12:34.590] Saya buat kerja lain lah

[00:12:34.590 – 00:12:36.430] boleh tak sambil-sambil saya buat benda ni

[00:12:36.430 – 00:12:38.450] saya buat kerja lain mencabar benda tu sebab awak nak

[00:12:38.450 – 00:12:40.490] bekerja full time kalau awak betul-betul

[00:12:40.490 – 00:12:42.210] working awak kena work kau-kau

[00:12:42.850 – 00:12:44.410] ok tapi kalau awak kata

[00:12:44.410 – 00:12:46.450] ok lah saya ambil part time je lah dan ambil minimum gaji

[00:12:46.450 – 00:12:47.950] lah berapa minimum gaji ambil lah

[00:12:47.950 – 00:12:50.870] RM1,700 kan sekarang ni kan

[00:12:50.870 – 00:12:52.770] RM1,700 yang minimum

[00:12:52.770 – 00:12:54.090] minimum cukup lah

[00:12:54.870 – 00:12:56.170] so Ali ambil RM1,700

[00:12:56.170 – 00:12:58.330] dah cukup tak nak membebankan company

[00:12:58.330 – 00:13:00.170] sebab apa masing-masing ada

[00:13:00.170 – 00:13:01.950] income tempat lain ok fine takpe

[00:13:01.950 – 00:13:03.550] so jangan expect dia buat full time

[00:13:03.550 – 00:13:07.350] Dia ni mungkin bekerja secara 50% ke 60-70%

[00:13:07.350 – 00:13:12.010] So kita akan pergi kepada video selanjutnya untuk belajar tentang dividend timeline

[00:13:12.010 – 00:13:13.010] Zas