Survival, Standard & Luxury Draf transkrip automatik penuh. Pembetulan istilah berdasarkan sumber direkodkan secara berasingan; tanda semakan menunjukkan perkataan yang perlu diperiksa. [00:00:02–00:00:05] Salary vs Dividend. [semak: uncertain words] [00:00:06–00:00:12] Mari kita mulakan video tentang Survival, Standard & Luxury. [semak: uncertain words] [00:00:12–00:00:20] Okay guys, untuk awak merancang income ke depan, awak kena merancang kemarau yang akan datang di belakang. [semak: uncertain words] [00:00:21–00:00:23] So, saya nak awak bila desain income awak ni, buat tiga. [00:00:24–00:00:28] Pertama sekali adalah yang kita impikan. Of course, luxury. [00:00:29–00:00:31] Luxury ni yang kita semua impikan [00:00:31–00:00:32] Kalau boleh bisnis [semak: uncertain words] [00:00:32–00:00:33] Eh untung terus boleh tak? [semak: uncertain words] [00:00:33–00:00:34] Tapi tak boleh [00:00:34–00:00:35] Kan? [00:00:35–00:00:36] Ujian mesti akan datang [00:00:36–00:00:37] So awak kena stand by untuk [semak: uncertain words] [00:00:38–00:00:39] Survival [00:00:39–00:00:41] Dan kita ada pula level standard [00:00:41–00:00:43] So kita buat 3 cukup lah [semak: uncertain words, number or amount] [00:00:44–00:00:45] Standard [00:00:46–00:00:47] Survival luxury [00:00:47–00:00:48] Apa maksud survival? [00:00:48–00:00:49] Tak ada saving langsung [00:00:49–00:00:49] Tengok macam ni [00:00:49–00:00:50] Tiada saving langsung [00:00:50–00:00:52] Cut semua perbelanjaan [00:00:52–00:00:55] Insurance, nafkah, makanan, ETC [00:00:55–00:00:55] Semualah [00:00:55–00:00:55] Boleh kata [00:00:55–00:00:57] Bila saya kata survive [00:00:57–00:00:58] Awak betul-betul survive [00:00:58–00:00:59] Sikit lagi nak makan pasir [00:00:59–00:01:00] Sikit je lagi [00:01:00–00:01:01] So survival ni [00:01:01–00:01:02] Sampai tahap [00:01:02–00:01:03] Awak kena potong semua [semak: uncertain words] [00:01:03–00:01:03] Bukanlah macam [00:01:03–00:01:04] Maintain lifestyle [00:01:04–00:01:05] Sekarang [00:01:05–00:01:05] Kalau katalah [00:01:05–00:01:07] Sekarang awak boleh makan [00:01:07–00:01:07] Sedap-sedap [00:01:07–00:01:08] Bayang insurans [00:01:08–00:01:09] Level survival ni [00:01:09–00:01:10] Level yang awak macam [00:01:10–00:01:12] Bayangkan awak menganggu [00:01:12–00:01:12] Awak sampai terpaksa [semak: uncertain words] [00:01:12–00:01:14] Masuk activate survival mode [00:01:14–00:01:15] Itu survival [00:01:15–00:01:16] So mungkin income awak [00:01:16–00:01:17] Sekarang RM5,000 [semak: number or amount] [00:01:17–00:01:18] Awak boleh survive [00:01:18–00:01:19] Dengan income RM2,500 [semak: number or amount] [00:01:19–00:01:20] Kena design benda tu [00:01:20–00:01:20] List kan [semak: uncertain words] [00:01:20–00:01:22] Itu nombor satu [00:01:22–00:01:23] Nombor dua adalah [00:01:23–00:01:23] Level standard [00:01:23–00:01:24] Standard ni pula [00:01:24–00:01:26] Ada saving [00:01:27–00:01:27] Maksudnya awak [00:01:27–00:01:29] Maintain lifestyle yang sedia ada [semak: uncertain words] [00:01:29–00:01:30] Dan ada saving [00:01:32–00:01:33] Ini boleh kata [00:01:33–00:01:35] Macam almost downgrade lah [00:01:35–00:01:36] Downgrade lifestyle [00:01:39–00:01:41] Plus tak ada saving [00:01:42–00:01:45] Yang ni ada saving [00:01:45–00:01:46] Plus maintain [00:01:46–00:01:48] Boleh maintain lifestyle awak [00:01:50–00:01:52] Okay next kita pergi pula kepada [semak: uncertain words] [00:01:52–00:01:54] Yang diimpikan luxury [00:01:54–00:01:56] Luxury [00:01:56–00:01:58] Awak boleh upgrade [semak: uncertain words] [00:01:59–00:02:00] Sebanyak [00:02:00–00:02:02] Satu ataupun dua sahaja [00:02:02–00:02:04] Lifestyle awak [00:02:05–00:02:06] Apa itu [semak: uncertain words] [00:02:06–00:02:08] Lifestyle? Okay, jom kita tengok kat bawah ni [semak: uncertain words] [00:02:08–00:02:10] Ada lima jenis lifestyle [00:02:10–00:02:12] Yang common, yang biasa orang akan [00:02:12–00:02:14] Upgrade dan lima lifestyle optional [semak: uncertain words] [00:02:15–00:02:16] Nombor satu adalah [00:02:16–00:02:18] Lifestyle food [00:02:18–00:02:20] Tak semua orang nak upgrade makanan [00:02:20–00:02:22] Ada orang dia suka makan sedap, nombor dua shopping [00:02:22–00:02:24] Ada orang dia nak shopping, dia tak kisah [00:02:24–00:02:26] Pasal makanan, ni pun beza-beza pula [00:02:26–00:02:28] Ada orang dia bukan orang shopping [00:02:28–00:02:30] Dia orang kereta, weh tuan saya sanggup tidur [semak: uncertain words] [00:02:30–00:02:32] Dalam kereta lah, orang pula [semak: uncertain words] [00:02:32–00:02:32] Ada orang rumah [semak: uncertain words] [00:02:32–00:02:34] Orang rumah [00:02:34–00:02:35] Macam saya [00:02:35–00:02:36] Saya orang rumah lah [00:02:36–00:02:37] Saya suka rumah yang selesa [00:02:37–00:02:38] Saya tak adalah nak [semak: uncertain words] [00:02:38–00:02:39] Hive sangat kereta [semak: uncertain words] [00:02:39–00:02:40] Shopee makan tak sangat [00:02:40–00:02:42] So saya lebih berdua rumah [semak: uncertain words] [00:02:42–00:02:42] Awak orang apa [00:02:42–00:02:44] Saya tak suka travel [00:02:44–00:02:45] Contoh kan [00:02:45–00:02:47] Nombor lima adalah [00:02:47–00:02:48] Orang yang suka travel [00:02:48–00:02:50] Eh dia tak kisahlah [00:02:50–00:02:51] Kalau kereta tak best [00:02:51–00:02:52] Rumah tak best [00:02:52–00:02:53] Saya tuan [00:02:53–00:02:54] Kalau saya ada duit [00:02:54–00:02:55] Saya nak travel [00:02:55–00:02:56] Ada macam tu [semak: uncertain words] [00:02:56–00:02:57] Dia adalah orang yang [00:02:57–00:02:58] Lifestyle dia [00:02:58–00:02:59] Aku nak upgrade travel [00:02:59–00:03:00] Sekarang dalam negara [00:03:00–00:03:01] Nanti luar negara [00:03:02–00:03:03] Okay, next pula, 5 yang seterusnya. [semak: uncertain words, number or amount] [00:03:03–00:03:05] Sebab ini 5 yang paling common lah. [semak: number or amount] [00:03:05–00:03:07] Saya rasa banyak orang akan upgrade ini. [00:03:07–00:03:08] 5 yang optional adalah, [semak: number or amount] [00:03:09–00:03:10] nombor 1, saya ada anak. [semak: number or amount] [00:03:10–00:03:12] Saya nak upgrade education anak saya. [00:03:13–00:03:14] Orang tak ada anak, tak kisahlah macam ni. [semak: uncertain words] [00:03:15–00:03:16] Tapi kalau awak ada anak, [00:03:16–00:03:17] mungkin yang ni yang wajib. [00:03:17–00:03:19] Awak sanggup lah rumah, travel tak, [00:03:19–00:03:20] awak pergi upgrade ni dulu. [semak: uncertain words] [00:03:20–00:03:21] Nombor 2 adalah, [semak: number or amount] [00:03:21–00:03:22] upgrade dari sudut donation. [00:03:23–00:03:24] Saya nak tolong mak saya, [00:03:24–00:03:25] hantar pergi hospital. [00:03:25–00:03:26] Ini donation. [semak: uncertain words] [00:03:26–00:03:28] Derma pada adik-adik ke, zakat ke, apakah. [semak: uncertain words] [00:03:29–00:03:31] Nombor 3, awak nak ada hobi. [semak: number or amount] [00:03:31–00:03:33] Saya suka memancing tuan [00:03:33–00:03:35] Saya kalau pun nak memancing jiran sebelah [semak: uncertain words] [00:03:35–00:03:35] Eh [00:03:35–00:03:37] Awak nak adalah memancing-mancing apa semua tuan [semak: uncertain words] [00:03:37–00:03:38] Nombor empat adalah [00:03:38–00:03:40] Awak nak ada mate orang gaji [00:03:40–00:03:41] Ya Allah [00:03:41–00:03:43] Dah pernah dah gaduh kat rumah dengan wang [semak: uncertain words] [00:03:43–00:03:44] Nak ada orang gaji pula dah [00:03:44–00:03:45] Ataupun nak ada PA [00:03:46–00:03:47] Pembantu [00:03:47–00:03:47] Eh [00:03:47–00:03:48] Pembantu am pula [semak: uncertain words] [00:03:48–00:03:50] Eh betul lah [00:03:50–00:03:50] PA pembantu am eh [00:03:50–00:03:51] Pasal Melayu [semak: uncertain words] [00:03:52–00:03:53] Personal assistant [semak: uncertain words] [00:03:55–00:03:56] Personal assistant [00:03:57–00:03:58] Ni adalah [semak: uncertain words] [00:03:58–00:03:59] PA [00:03:59–00:04:01] So ni pun adalah reward [semak: uncertain words] [00:04:01–00:04:02] juga pada diri kita. Bila awak ada PA, jimat [semak: uncertain words] [00:04:02–00:04:05] 4 jam sehari. Awak ada mate, jimat [semak: uncertain words, number or amount] [00:04:05–00:04:06] emosi kat rumah. Tak bergaduh dengan wife. [00:04:08–00:04:09] So, bila [semak: uncertain words] [00:04:09–00:04:10] kita kata luxury, awak kena pilih [00:04:10–00:04:12] dua je. Mungkin, tuan [semak: uncertain words] [00:04:12–00:04:14] saya nak upgrade kereta [semak: uncertain words] [00:04:14–00:04:16] nombor dua, saya nak upgrade education [00:04:16–00:04:18] anak. Ini dia maximum. [semak: uncertain words] [00:04:19–00:04:20] Sebab, di antara survival [00:04:20–00:04:22] dan naik-naik ni, dia [semak: uncertain words] [00:04:22–00:04:24] income awak akan naik. Sebanyak [00:04:24–00:04:26] berapa persen? Survival ni awak [00:04:26–00:04:28] top up 30%. [semak: number or amount] [00:04:29–00:04:30] Daripada standard ke luxury [00:04:30–00:04:32] Awak top up lagi 30% [semak: uncertain words, number or amount] [00:04:32–00:04:34] Itu cara kiraan dia [semak: uncertain words] [00:04:34–00:04:34] Contohnya [00:04:34–00:04:36] Kita buat [semak: uncertain words] [00:04:37–00:04:38] Survival awak adalah berapa [semak: uncertain words] [00:04:38–00:04:39] RM [00:04:43–00:04:43] RM [00:04:43–00:04:44] RM [00:04:44–00:04:44] RM [00:04:45–00:04:46] RM5,000 lah [semak: uncertain words, number or amount] [00:04:46–00:04:48] Awak business owner [00:04:48–00:04:49] Ada staff [00:04:49–00:04:49] Ada rumah [semak: uncertain words] [00:04:49–00:04:50] RM5,000 [semak: uncertain words, number or amount] [00:04:50–00:04:51] RM5,000 [semak: number or amount] [00:04:51–00:04:52] Campur 30% berapa [semak: uncertain words, number or amount] [00:04:52–00:04:53] RM [00:04:54–00:04:55] Tak silap saya [semak: uncertain words] [00:04:55–00:04:56] RM6,500 [semak: number or amount] [00:04:57–00:04:59] Okay, campur lagi 30% [semak: uncertain words, number or amount] [00:05:04–00:05:06] 8, 4, 5, 0 [semak: uncertain words, number or amount] [00:05:06–00:05:09] Maksudnya, ini calculator paling senang lah [semak: uncertain words] [00:05:09–00:05:10] Sebab tu saya guna 30% [semak: number or amount] [00:05:10–00:05:12] Awak sekarang ni, kena kira [00:05:12–00:05:14] Awak punya level survival awak berapa [semak: uncertain words] [00:05:14–00:05:15] Senarai kan, kira betul-betul [00:05:15–00:05:16] Okay, katalah RM5,000 [semak: uncertain words, number or amount] [00:05:16–00:05:19] Okay, so nak tahu standard awak berapa, ledger berapa [semak: uncertain words] [00:05:19–00:05:21] Ambil je formula 30% [semak: number or amount] [00:05:21–00:05:22] RM5,000 adalah awak punya survival [semak: number or amount] [00:05:22–00:05:25] Tambah 30%, sepatutnya ini awak punya standard [semak: number or amount] [00:05:26–00:05:27] Sebab awak ada extra sikit [00:05:27–00:05:28] RM1,500, awak boleh ada saving [semak: uncertain words, number or amount] [00:05:28–00:05:29] Boleh maintain lifestyle [00:05:29–00:05:30] Ini dah backup [semak: uncertain words] [00:05:30–00:05:32] Biasa orang boleh downgrade pun [00:05:32–00:05:32] 30% je maksimum [semak: number or amount] [00:05:32–00:05:34] Lepas tu luxury adalah [00:05:34–00:05:35] 30% daripada sini [semak: number or amount] [00:05:35–00:05:37] So RM8,450 [semak: number or amount] [00:05:37–00:05:39] Dengan extra kat sini [00:05:39–00:05:40] Tengok extra dalam RM2,000 [semak: number or amount] [00:05:40–00:05:41] Mana boleh banyak sangat [00:05:41–00:05:42] Kereta pun tambahlah [00:05:42–00:05:43] Satu loan extra kat sini [semak: uncertain words] [00:05:43–00:05:44] Tambah lagi RM800 [semak: number or amount] [00:05:44–00:05:45] Education anak mungkin [semak: uncertain words] [00:05:45–00:05:46] RM1,000 dah habis dah [semak: uncertain words, number or amount] [00:05:46–00:05:48] Sebab tu saya kat 2 je [semak: uncertain words, number or amount] [00:05:48–00:05:49] Ataupun mungkin 1 je lifestyle [semak: number or amount] [00:05:49–00:05:51] Mungkin orang tambah 1 [semak: uncertain words, number or amount] [00:05:51–00:05:52] Tapi orang tambah yang kau-kau [00:05:52–00:05:53] Boleh jadi juga [00:05:53–00:05:55] Dan abak kena faham [semak: uncertain words] [00:05:55–00:05:56] Yang ni [00:05:56–00:05:59] Kalau lah dah jadi 6 bulan [semak: uncertain words, number or amount] [00:05:59–00:06:10] Dan sebenarnya yang luxury ni pula akan jadi awak punya standard kepada awak adalah nama kan, dinamakan sebagai fasa reset. [semak: uncertain words] [00:06:10–00:06:11] Apa maksud reset? [00:06:12–00:06:26] Reset maksudnya, kalau saya lukis balik awak punya carta ni, sekarang ni standard awak adalah lifestyle yang sedia ada iaitu RM8450. [semak: uncertain words, number or amount] [00:06:28–00:06:29] survival awak pula dah [semak: uncertain words] [00:06:29–00:06:30] dah jadi yang tu [semak: uncertain words] [00:06:30–00:06:32] RM6,500 sebab [semak: uncertain words, number or amount] [00:06:32–00:06:34] awak punya commitment dah naik [00:06:34–00:06:37] so awak tak boleh dah, kalau awak tak dapat ni [00:06:37–00:06:39] awak tak boleh survive dah, maka tambah lagi 30% [semak: number or amount] [00:06:40–00:06:41] tambah lagi 30% [semak: number or amount] [00:06:41–00:06:42] daripada RM8,450 [semak: number or amount] [00:06:43–00:06:45] luxury awak dah kena upgrade [00:06:49–00:06:50] RM10,985 [semak: number or amount] [00:06:50–00:06:51] so inilah target awak [semak: uncertain words] [00:06:52–00:06:54] nampak, sebab tu [00:06:54–00:06:56] awak akan reset setiap [00:06:56–00:06:57] 6 bulan kebiasaannya [semak: number or amount] [00:06:57–00:07:00] So awak tak boleh duduk di tempat yang sama [00:07:00–00:07:01] Adakah benda ni masalah? Tak [00:07:01–00:07:02] Normal, benda ni normal [semak: uncertain words] [00:07:02–00:07:05] Lepas 6 bulan lagi, tengok dah reset pula [semak: number or amount] [00:07:05–00:07:07] Yang ni pula jadi awak punya standard [00:07:07–00:07:09] 10,000 ni [semak: number or amount] [00:07:09–00:07:11] Okay, 10,000, 985 tambah lagi [semak: uncertain words, number or amount] [00:07:11–00:07:13] 30% [semak: number or amount] [00:07:21–00:07:22] Nampak [00:07:22–00:07:25] So, yang ni dah turun bawah [semak: uncertain words] [00:07:26–00:07:28] Yang ni dah jadi awak punya [00:07:28–00:07:29] Level survival [semak: uncertain words] [00:07:29–00:07:31] Yang ni dah jadi awak punya level standard [00:07:31–00:07:33] Maka target awak dah semakin baru [00:07:33–00:07:35] That's why, yang ni 6 bulan [semak: number or amount] [00:07:35–00:07:37] Yang ni lagi 6 bulan [semak: number or amount] [00:07:37–00:07:39] Oh kalau saya tak ni sangat [semak: uncertain words] [00:07:39–00:07:40] Mungkin je 12 bulan [semak: number or amount] [00:07:40–00:07:41] Dia terpulang lah [00:07:41–00:07:43] Tapi reset ni confirm berlaku [semak: uncertain words] [00:07:44–00:07:46] Mungkin awak jenis orang yang defensive [semak: uncertain words] [00:07:46–00:07:46] Slow sikit [semak: uncertain words] [00:07:46–00:07:48] Mungkin ambil masa 12 bulan [semak: number or amount] [00:07:48–00:07:49] Untuk awak reset balik [00:07:49–00:07:50] Sebab itulah [00:07:50–00:07:51] Takkan pernah habis [00:07:51–00:07:53] Awak kata 12 ribu dah cukup [semak: uncertain words, number or amount] [00:07:53–00:07:54] 12 ribu pun tak cukup [semak: uncertain words, number or amount] [00:07:54–00:07:55] Lepas tu bila awak dapat 20 ribu [semak: number or amount] [00:07:55–00:07:56] 20 ribu pun tak cukup [semak: number or amount] [00:07:56–00:07:57] Bila awak dapat 100 ribu nanti [semak: number or amount] [00:07:57–00:07:59] 100 ribu pun tak cukup [semak: number or amount] [00:07:59–00:07:59] Kenapa? [00:08:00–00:08:00] Inflation [00:08:00–00:08:02] Itu satu benda tak boleh buat apa [semak: uncertain words] [00:08:03–00:08:04] Inflasi kita dalam sekitar berapa? [00:08:04–00:08:06] 2% 3% [semak: uncertain words, number or amount] [00:08:06–00:08:07] So bila ada inflasi [semak: uncertain words] [00:08:07–00:08:09] Semua benda kena reset balik [00:08:11–00:08:12] Inflasi [00:08:12–00:08:12] Alright [00:08:12–00:08:14] So awak kena tahu benda ni [00:08:14–00:08:17] Barulah bila dalam topik ni [semak: uncertain words] [00:08:17–00:08:19] Salary dan dividend awak jelas [semak: uncertain words] [00:08:19–00:08:20] Dan [00:08:21–00:08:23] Sleeping partner ni guys [00:08:23–00:08:24] Dia dapat gaji ke tak ada gaji [00:08:24–00:08:26] Sleeping partner kalau awak ikut kat sini [semak: uncertain words] [00:08:26–00:08:28] Dia tak ada gaji [00:08:28–00:08:30] Sleeping partner ni orang yang tidur [00:08:30–00:08:31] Dalam company tak ada gaji [semak: uncertain words] [00:08:32–00:08:34] Sleeping partner hanya ambil [00:08:34–00:08:35] quarterly dividend [00:08:37–00:08:38] sahaja. Manakala [00:08:38–00:08:40] working partner yang bekerja, dia [00:08:40–00:08:42] ada salary dan dia ada [00:08:43–00:08:44] dividend. [00:08:44–00:08:46] Sleeping partner dia tak ada dividend eh. [00:08:46–00:08:48] Eh sorry, sleeping partner dia tak ada [00:08:48–00:08:50] gaji. Dia ada dividend je. Awak tengok lain tu eh. [00:08:50–00:08:52] Okay, jadi bila awak [semak: uncertain words] [00:08:52–00:08:54] nak bagi profit ataupun bagi [00:08:54–00:08:56] salary, saya cadangkan salary ni [00:08:56–00:08:58] kena ikut level yang ni. [00:08:58–00:09:00] Standard. Contohnya [00:09:00–00:09:02] awak ada tiga orang. Dia tiga orang. [00:09:05–00:09:06] Yang ni [00:09:07–00:09:07] Ali [00:09:07–00:09:08] Ali ni [00:09:08–00:09:09] Abu [00:09:09–00:09:10] Amir [00:09:12–00:09:14] Siapa yang bekerja dalam company [00:09:14–00:09:14] Okay [semak: uncertain words] [00:09:14–00:09:15] Yang ni sleep [semak: uncertain words] [00:09:15–00:09:16] Dia tak kerja [00:09:17–00:09:18] So ni tak ada gaji lah [00:09:19–00:09:20] Dia tak boleh ambil gaji [00:09:20–00:09:21] Mana boleh [00:09:21–00:09:22] Kau tidur tak boleh ambil gaji [00:09:22–00:09:22] Kau work [00:09:22–00:09:23] Oh ni aku work [00:09:23–00:09:24] Abu working dalam company [00:09:24–00:09:26] Ali pun bekerja dalam company [00:09:27–00:09:28] So dia kena ambil gaji [00:09:28–00:09:29] Berapa gaji dia ambil [00:09:29–00:09:30] Kita set standard [00:09:30–00:09:31] Katalah kita ambil [00:09:31–00:09:32] Okay average semua orang gaji [00:09:32–00:09:33] Ambil standard lah [00:09:33–00:09:34] Jangan ambil survival [00:09:34–00:09:35] Survival kan nanti kan [00:09:35–00:09:37] Tak boleh nak fokus Abu ni [00:09:37–00:09:37] Dah [00:09:37–00:09:39] Downgrade sangat takde saving [semak: uncertain words] [00:09:39–00:09:40] Kena bagi level standard [00:09:40–00:09:42] So Abu dengan Ali sepakat [00:09:42–00:09:43] Okay kita ambil lebih kurang [semak: uncertain words] [00:09:43–00:09:44] Ali kau ambil RM5,000 [semak: number or amount] [00:09:45–00:09:46] Abu [00:09:47–00:09:49] Ambil dalam sekitar [00:09:51–00:09:52] RM4,000 [semak: number or amount] [00:09:52–00:09:54] Macam tu contohnya [00:09:54–00:09:56] Ali RM5,000 [semak: number or amount] [00:09:56–00:09:57] Abu RM4,000 [semak: number or amount] [00:09:57–00:09:58] Okay ya [semak: uncertain words] [00:09:58–00:09:58] Nampak [00:09:58–00:10:00] So ini tu adalah level gaji [semak: uncertain words] [00:10:00–00:10:01] Dan gaji ni guys [00:10:01–00:10:03] Kita kena kira yang ni [00:10:03–00:10:04] Sebab tu lah [semak: uncertain words] [00:10:04–00:10:06] Kalau director tu lah [00:10:06–00:10:07] Contoh lah Abu [00:10:07–00:10:09] Abu punya commitment terlampau tinggi [semak: uncertain words] [00:10:09–00:10:12] Abu ni kalau nak dapatkan yang tu tak lepas [semak: uncertain words] [00:10:12–00:10:14] Untuk Abu dapat sebanyak tu tak lepas [00:10:14–00:10:16] Dia kena dapat gaji RM6,500 [semak: number or amount] [00:10:17–00:10:18] Macam mana ni pula [semak: uncertain words] [00:10:19–00:10:21] Padahal company boleh offer banyak ni je [00:10:21–00:10:25] Maka lagi RM2,500 yang extra ni [semak: number or amount] [00:10:25–00:10:27] Kalau betullah Abu nak [00:10:27–00:10:29] Dia mungkin kena jadi loan syarikat kepada dia [00:10:30–00:10:32] Dia ibarat macam tengah ambil gaji advance ke depan [00:10:32–00:10:33] Sebab Abu cakap [00:10:33–00:10:34] Bro aku memang nak fokus [00:10:34–00:10:36] Tapi boleh jadi juga macam tu [semak: uncertain words] [00:10:36–00:10:38] So benda ni pun mencabar lah [00:10:38–00:10:38] That's why [00:10:38–00:10:40] Orang yang nak fokus dalam company ni [00:10:40–00:10:42] Dia kena betul-betul fikir [00:10:42–00:10:44] Kalau kau nak jadi working partner [00:10:44–00:10:45] Cukup lah [00:10:45–00:10:46] Company tak ada duit nak bayar kau banyak-banyak [00:10:47–00:10:48] Boleh bro [00:10:48–00:10:49] Tapi jadi hutang [00:10:49–00:10:50] Then semua kena agree lah [semak: uncertain words] [00:10:50–00:10:51] Abu, Amir semua kena agree lah [00:10:51–00:10:53] Ali pula macam mana [00:10:53–00:10:53] Haa nampak [semak: uncertain words] [00:10:53–00:10:54] Struggle is tu kan [semak: uncertain words] [00:10:55–00:10:55] Dan [00:10:55–00:10:57] Saya share juga dalam slide ni [00:10:57–00:10:58] Bila kita tengok [semak: uncertain words] [00:10:58–00:10:58] Hierarchy [semak: uncertain words] [00:10:58–00:11:00] Untuk company Sunan Bahad [semak: uncertain words] [00:11:00–00:11:01] Dia ada [00:11:01–00:11:01] Shareholder [semak: uncertain words] [00:11:01–00:11:02] Paling tinggi [00:11:02–00:11:03] Level 3 [semak: number or amount] [00:11:03–00:11:04] Director dan juga staff [semak: uncertain words] [00:11:04–00:11:06] Dia ada 3 ni yang paling wajib lah [semak: uncertain words, number or amount] [00:11:06–00:11:07] Untuk enterprise ada dua je [00:11:07–00:11:08] Soul prop [semak: uncertain words] [00:11:08–00:11:09] Untuk sorang-sorang [semak: uncertain words] [00:11:09–00:11:10] Ataupun partnership ni dua orang [semak: uncertain words] [00:11:10–00:11:11] Dan juga ada staff [00:11:11–00:11:13] Dan kalau awak buat structure [00:11:13–00:11:14] Yang besar gila [semak: uncertain words] [00:11:14–00:11:14] Serembahat [00:11:14–00:11:15] Dia akan jadi macam ni [00:11:15–00:11:16] Yang bawah sekali tu [00:11:16–00:11:16] Nampak [00:11:16–00:11:17] Dia ada [00:11:17–00:11:19] Dua lagi extra level [00:11:19–00:11:20] C level dengan manager [00:11:20–00:11:20] Maksudnya [00:11:20–00:11:21] Staff [00:11:22–00:11:22] Manager [00:11:22–00:11:23] C level [00:11:23–00:11:23] Director [00:11:23–00:11:24] Shareholder [00:11:25–00:11:26] C level ni macam CEO [00:11:26–00:11:27] CFO [00:11:27–00:11:28] Itu normal lah [00:11:28–00:11:29] Manager ni adalah leader kita [00:11:29–00:11:30] Sebab biasanya [00:11:30–00:11:32] Optional punya Serembahat [00:11:32–00:11:33] Yang saya design kat bawah tu [00:11:33–00:11:34] Itu untuk team yang ramai [00:11:34–00:11:35] Bila sale awak dah start [semak: uncertain words] [00:11:35–00:11:36] 1 juta sebulan [semak: uncertain words, number or amount] [00:11:36–00:11:37] 2 juta sebulan [semak: uncertain words, number or amount] [00:11:37–00:11:39] ataupun nak masuk [semak: uncertain words] [00:11:39–00:11:40] yang besar-besar ni [00:11:40–00:11:40] awak dah [00:11:40–00:11:41] kena ada structure [00:11:42–00:11:43] mungkin tak ada C-level [00:11:43–00:11:44] sebab ada senang company [semak: uncertain words] [00:11:44–00:11:45] tak nak ada C-level pun [00:11:45–00:11:46] dia optional pun [00:11:46–00:11:47] yang wajib sebenarnya [00:11:47–00:11:47] yang [00:11:47–00:11:48] haraki serambahat tu [semak: uncertain words] [00:11:48–00:11:50] mesti kena ada staff [00:11:50–00:11:50] sebab awak nak cari [00:11:50–00:11:51] kena BSP [semak: uncertain words] [00:11:51–00:11:52] mesti ada director [00:11:52–00:11:53] mesti ada seorang wakil [00:11:53–00:11:54] director [00:11:54–00:11:54] ibarat macam [00:11:54–00:11:55] Perdana Menteri [00:11:55–00:11:56] mesti ada shareholder [00:11:56–00:11:57] pemilik syarikat [00:11:57–00:11:58] yang melantik director [00:11:58–00:12:00] tapi kalau enterprise [00:12:00–00:12:00] dia tak ada [00:12:00–00:12:01] even enterprise [00:12:01–00:12:02] kalau awak nak buat [00:12:02–00:12:03] share apa semua tu [00:12:03–00:12:04] awak kena buat separate [00:12:05–00:12:06] Partnership agreement [semak: uncertain words] [00:12:06–00:12:09] Sebab awak nak buat unit share pun tak ada [semak: uncertain words] [00:12:09–00:12:10] Awak boleh tahu lah dalam partnership agreement [semak: uncertain words] [00:12:10–00:12:11] Kita buat buat tulis [semak: uncertain words] [00:12:12–00:12:13] Keuntungan yang ni dapat 40% [semak: number or amount] [00:12:13–00:12:14] Yang ni dapat 60% [semak: number or amount] [00:12:14–00:12:16] 60-40 contohnya [semak: number or amount] [00:12:16–00:12:16] Okay [semak: uncertain words] [00:12:16–00:12:18] So untuk gaji [00:12:18–00:12:19] Jawapan ni adalah [00:12:19–00:12:23] Ambil level standard sahaja [00:12:23–00:12:24] Standard sahaja [00:12:24–00:12:25] Jangan ambil lebih sangat [00:12:25–00:12:26] Jangan ambil level luxury [00:12:26–00:12:27] Jangan ambil survival [00:12:27–00:12:28] Ini pun masalah [00:12:28–00:12:29] Banyak orang cuba ambil survival [00:12:29–00:12:30] Masalah [00:12:30–00:12:32] Sebab awak akan sabotaj dia awak [semak: uncertain words] [00:12:32–00:12:33] Kononnya [semak: uncertain words] [00:12:33–00:12:34] Saya buat kerja lain lah [00:12:34–00:12:36] boleh tak sambil-sambil saya buat benda ni [semak: uncertain words] [00:12:36–00:12:38] saya buat kerja lain mencabar benda tu sebab awak nak [00:12:38–00:12:40] bekerja full time kalau awak betul-betul [00:12:40–00:12:42] working awak kena work kau-kau [00:12:42–00:12:44] ok tapi kalau awak kata [00:12:44–00:12:46] ok lah saya ambil part time je lah dan ambil minimum gaji [00:12:46–00:12:47] lah berapa minimum gaji ambil lah [00:12:47–00:12:50] RM1,700 kan sekarang ni kan [semak: uncertain words, number or amount] [00:12:50–00:12:52] RM1,700 yang minimum [semak: number or amount] [00:12:52–00:12:54] minimum cukup lah [00:12:54–00:12:56] so Ali ambil RM1,700 [semak: number or amount] [00:12:56–00:12:58] dah cukup tak nak membebankan company [semak: uncertain words] [00:12:58–00:13:00] sebab apa masing-masing ada [00:13:00–00:13:01] income tempat lain ok fine takpe [00:13:01–00:13:03] so jangan expect dia buat full time [00:13:03–00:13:07] Dia ni mungkin bekerja secara 50% ke 60-70% [semak: uncertain words, number or amount] [00:13:07–00:13:12] So kita akan pergi kepada video selanjutnya untuk belajar tentang dividend timeline [semak: uncertain words] [00:13:12–00:13:13] Zas [semak: uncertain words]