Cash Reserve Source: https://coachadib.com/module/6ac04061ef88b1e0248d4f1a Automatic full-length draft. Uncertain wording and figures require review. [00:00:00.590 – 00:00:27.730] Cash Reserve penting gila time ni. Sebab tim dah ramai. Tim bukan cak-cak ayam. Dah level 15 ke 30 orang. Ini dah bawa kereta laju dah ni. Bawa kereta 100km sejam. Tak entah 120 ni. Ini kalau terbabas sekali. Oh, accident. Memang accident. Kalau staff kecil, staff tak ramai dalam 5 orang. Ibarat bawa slow. Bawa apa? 30km sejam. Alah, staff 3 orang. Alah, chill. Tak apalah kalau terbabas. Eh, betulkan balik. [00:00:27.730 – 00:00:29.450] Ini kalau staff 30 orang [00:00:29.450 – 00:00:31.150] Ibarat bawa 300 krim tu sejap [00:00:32.570 – 00:00:34.150] Setiap risiko tu memang [00:00:34.850 – 00:00:36.630] Memang satu tercedok je [00:00:36.630 – 00:00:37.070] Habis [00:00:37.070 – 00:00:38.650] Memang tak boleh nak bayar gaji staff [00:00:38.650 – 00:00:39.390] Itulah start [00:00:39.390 – 00:00:41.190] Sangkut kena resipi dan sebagainya [00:00:41.190 – 00:00:43.530] So, berapa bulan company bertahan [00:00:43.530 – 00:00:45.270] Cadangan dia kena pastikan [00:00:45.270 – 00:00:46.670] Kita ada cash reserve [00:00:46.670 – 00:00:48.630] 3 ke 6 bulan [00:00:48.630 – 00:00:49.830] Jangan lebih 6 bulan [00:00:49.830 – 00:00:51.190] Nanti company pula jadi manja [00:00:51.190 – 00:00:51.710] Jadi malas [00:00:51.710 – 00:00:53.470] Kita nak pastikan sweet spot dia [00:00:53.470 – 00:00:54.250] 3 ke 6 bulan [00:00:54.250 – 00:00:54.910] Nanti saya explain lah [00:00:54.910 – 00:00:56.250] Kenapa jangan lebih 6 bulan [00:00:57.190 – 00:00:59.350] Jadi contohnya kita ambil OPEX kita [00:00:59.350 – 00:01:01.270] Berapakah cost overhead syarikat [00:01:01.270 – 00:01:03.270] Katakanlah kita punya cost overhead syarikat [00:01:03.270 – 00:01:03.990] RM30,000 [00:01:03.990 – 00:01:05.170] Dah ada 3 bulan [00:01:05.170 – 00:01:06.570] Maksudnya kena ada RM90,000 [00:01:06.570 – 00:01:09.090] Cash reserve asingkan dalam bank account lain [00:01:09.090 – 00:01:11.330] Sebab tu kalau boleh kita kena ada 4 bank account [00:01:11.330 – 00:01:14.050] Kita ada current account yang running [00:01:14.050 – 00:01:15.390] Kita ada account untuk tax [00:01:15.390 – 00:01:17.190] Kita ada account untuk cash reserve [00:01:17.190 – 00:01:18.970] Dan kita ada account untuk dividend [00:01:18.970 – 00:01:19.730] Bo cantik [00:01:19.730 – 00:01:20.890] So kita asingkan dia [00:01:20.890 – 00:01:22.370] Kalau tak nak ada 2 account pun dah dah [00:01:22.370 – 00:01:23.730] Settle lah tu eh cash reserve [00:01:24.290 – 00:01:24.950] Contohnya eh [00:01:24.950 – 00:01:28.610] Kita perlukan setiap bulan OPEX kita RM40,000 [00:01:28.610 – 00:01:31.610] Jadi kalau 3 bulan kena ada RM120,000 [00:01:31.610 – 00:01:34.270] Kalau nak paling selamat 6 bulan cukup dah [00:01:34.270 – 00:01:36.070] 6 bulan dah maksimum sebenarnya [00:01:36.070 – 00:01:38.350] Lebih daripada tu kita tak nak simpan duit banyak sangat [00:01:38.350 – 00:01:39.650] Kita nak fokus pada expansion [00:01:39.650 – 00:01:42.230] Maksudnya kalau ada duit lebih daripada 6 bulan [00:01:42.230 – 00:01:44.530] Duit tu kena diinvest balik pada company [00:01:44.530 – 00:01:48.130] Upgrade lah laptop yang dah nak barai tu kan [00:01:48.130 – 00:01:49.910] Upgrade lah phone untuk team ke [00:01:49.910 – 00:01:51.150] Upgrade ofis ke [00:01:51.150 – 00:01:53.830] Itu dah lah patutnya layak untuk kita expand [00:01:53.830 – 00:01:56.050] Ataupun reinvest pada bisnes balik [00:01:56.050 – 00:01:57.910] Tak sepatutnya disimpan sebagai duit [00:01:57.910 – 00:01:58.950] Beku sejuk [00:01:58.950 – 00:02:01.250] Cash reserve ni kalau banyak sangat dia sejuk tau [00:02:01.250 – 00:02:02.590] Dia tak bergerak rugi duit tu [00:02:02.590 – 00:02:03.450] Tak diutiliskan [00:02:03.450 – 00:02:04.710] Duit tu tak bekerja dengan kita [00:02:04.710 – 00:02:06.430] So that's why kita tak nak lebih 6 bulan [00:02:07.490 – 00:02:08.730] So ni contohnya [00:02:08.730 – 00:02:10.930] Dah masuk gaji CEO bagai [00:02:10.930 – 00:02:12.330] RM100,000 [00:02:13.470 – 00:02:15.810] Dan biasanya kita kena ambil buffer [00:02:15.810 – 00:02:17.570] Untuk bayar contribution 17% [00:02:17.570 – 00:02:18.930] Ni cara kiraan saya paling selamat [00:02:18.930 – 00:02:20.810] Tambah 17% [00:02:20.810 – 00:02:21.990] Jadi RM17,000 [00:02:21.990 – 00:02:23.750] Kedua-dua SP, SOXO bagai apa semua [00:02:23.750 – 00:02:26.490] Lepas tu software, komitmen-komitmen lain [00:02:26.490 – 00:02:27.390] RM23,000 [00:02:27.390 – 00:02:30.070] Jadi komitmen kita kena ada RM140,000 [00:02:30.070 – 00:02:32.950] Kalau nak 6 bulan, kita kena ada RM840,000 [00:02:32.950 – 00:02:35.330] Ini company yang healthy [00:02:35.330 – 00:02:38.290] Apa-apa berlaku pun kita boleh survive [00:02:38.290 – 00:02:41.130] Kalau industri kita, industri yang mencabar [00:02:41.130 – 00:02:42.490] Mungkin kena simpan lebih lama [00:02:42.490 – 00:02:44.810] Tapi bagi saya, 6 bulan ni pun dah fair enough [00:02:44.810 – 00:02:46.530] Kita jumpa dalam video yang selanjutnya