Target Cash Reserve

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Target Cash Reserve
Source: https://coachadib.com/module/6ac03b9f037ed06a73d64d23
Automatic full-length draft. Uncertain wording and figures require review.

[00:00:00.000 – 00:00:26.180] Emergency Account. Bank Account yang keempat. Kita dah belajar sebelum ni. Kita ada 5 jenis bank account. Kalau awak enterprise ada 3. Kalau awak sering bahan ada 5 kotak. 1, 2, 3, 4 dan juga 5 kotak. Berdata sampai ke bawah. Emergency Account ni dekat mana? Dia dekat sini. Emergency. Kita nak simpan duit dekat emergency dan jangan simpan banyak sangat guys.

[00:00:26.180 – 00:00:29.020] Saya cadangkan 3 bulan cukup lah

[00:00:29.020 – 00:00:31.040] Janganlah nak biar kaya sangat

[00:00:31.040 – 00:00:33.460] Dan maksimum 6 bulan ikut industri

[00:00:33.460 – 00:00:37.320] Kalau industri awak ni memerlukan ketahanan musim kemarau yang panjang

[00:00:37.320 – 00:00:38.360] Maksudnya sale

[00:00:38.360 – 00:00:41.260] Kadang-kadang memang setahun tu kalau musim puasa kan

[00:00:41.260 – 00:00:43.000] Raya 2 bulan sale tak ada

[00:00:43.000 – 00:00:43.800] Memang macam tu

[00:00:43.800 – 00:00:44.840] Terpaksalah 6 bulan

[00:00:44.840 – 00:00:45.720] Tapi jangan lebih

[00:00:45.720 – 00:00:46.420] Sebab apa?

[00:00:46.560 – 00:00:49.040] Kita nak elak comfort zone kepada owner, leader dan juga staff

[00:00:49.040 – 00:00:50.780] Saya pernah ada company sebelum ni

[00:00:50.780 – 00:00:53.240] Cash reserve saya boleh bertahan selama setahun setengah

[00:00:53.240 – 00:00:53.840] 18 bulan

[00:00:53.840 – 00:00:54.580] Saya pun jadi

[00:00:54.580 – 00:00:55.240] Lea

[00:00:55.240 – 00:00:56.100] Padahal gaji saya sikit

[00:00:56.100 – 00:00:57.840] je. Tapi macam, bukankah ini

[00:00:57.840 – 00:00:59.820] bisnes? Saya ingatkan itulah objektif bisnes.

[00:01:00.100 – 00:01:01.680] Bisnes nak kena secure. Tak.

[00:01:02.360 – 00:01:03.920] Bisnes bukan untuk jadi secure.

[00:01:04.220 – 00:01:05.860] Bisnes adalah untuk jadi opportunis.

[00:01:06.060 – 00:01:07.860] Kalau awak ada peluang untuk

[00:01:07.860 – 00:01:10.080] tambah ofis, cantikkan ofis,

[00:01:10.240 – 00:01:11.900] naikkan sale sebab branding dah power,

[00:01:12.260 – 00:01:14.100] buatlah. Ini simpan duit.

[00:01:15.800 – 00:01:17.680] Lalas, dimamah

[00:01:17.680 – 00:01:18.700] inflation.

[00:01:20.060 – 00:01:21.840] Duit awak akan berkurang susut

[00:01:21.840 – 00:01:23.500] nilai dia. Mungkin 2%.

[00:01:23.500 – 00:01:25.900] Mungkin 3%. Setiap

[00:01:25.900 – 00:01:31.540] tahu sebab apa? Inflasi. So, ini yang kita nak nak. Duit yang tak bergerak adalah

[00:01:31.540 – 00:01:37.100] duit yang beku, yang rugi. Kalau bagi ke orang lain, katalah awak ada 100 ribu.

[00:01:37.240 – 00:01:41.000] Awak bagi kat saya, saya roti balik 100 ribu tu, jadi 500 ribu, saya bagi balik

[00:01:41.000 – 00:01:44.840] kat awak 100 ribu. Dalam masa setahun, contohnya. Kalau di tangan orang yang betul,

[00:01:44.980 – 00:01:49.620] dia boleh roti balik duit tu. Tapi kena buat kerja lah. Next, shareholder benci

[00:01:49.620 – 00:01:54.580] tiada dividen. Ada pun masalah juga. Shareholder benci. Dan, bisnes, dia tak

[00:01:54.580 – 00:01:55.760] Bankable dan investable

[00:01:56.520 – 00:01:57.400] Shareholder ni guys

[00:01:57.400 – 00:01:57.760] Lain sekali

[00:01:57.760 – 00:01:59.060] Dia kena makan dividen

[00:01:59.060 – 00:02:00.020] Dia mana boleh

[00:02:00.020 – 00:02:00.960] Shareholder ni

[00:02:00.960 – 00:02:01.940] Ambil gaji

[00:02:01.940 – 00:02:02.540] Ini eh

[00:02:02.540 – 00:02:03.500] Saya shareholder

[00:02:03.500 – 00:02:04.680] Pemegang saham

[00:02:04.680 – 00:02:06.140] Ataupun kalau enterprise pun

[00:02:06.140 – 00:02:06.680] Saya owner

[00:02:06.680 – 00:02:07.580] Tapi saya ambil gaji

[00:02:07.580 – 00:02:08.400] Saya ambil gaji je

[00:02:08.400 – 00:02:09.060] Tak ada dividen

[00:02:09.060 – 00:02:09.660] Tak boleh juga

[00:02:09.660 – 00:02:11.060] Sebab takkan awak tak nak

[00:02:11.060 – 00:02:12.240] Adik seribahat

[00:02:12.240 – 00:02:13.180] Takkan awak tak nak

[00:02:13.180 – 00:02:13.820] Adiklal profit

[00:02:13.820 – 00:02:14.740] Ambil lah dividen

[00:02:14.740 – 00:02:15.340] So

[00:02:16.020 – 00:02:17.100] Dalam konsep ni

[00:02:17.100 – 00:02:18.000] Kita ada shareholder

[00:02:18.000 – 00:02:20.940] Kita ada

[00:02:21.600 – 00:02:22.160] Director

[00:02:22.160 – 00:02:23.280] Ada lima level lah

[00:02:23.280 – 00:02:23.680] Semua sekali

[00:02:23.680 – 00:02:25.060] Kita ada

[00:02:25.060 – 00:02:26.000] C level

[00:02:26.980 – 00:02:28.820] Kita ada manager

[00:02:30.120 – 00:02:31.260] Kita ada

[00:02:31.260 – 00:02:32.060] Staff

[00:02:32.920 – 00:02:34.580] So semua sekali

[00:02:34.580 – 00:02:35.780] Adalah

[00:02:35.780 – 00:02:37.840] 5 level

[00:02:37.840 – 00:02:40.760] Kalau company enterprise pula macam mana

[00:02:40.760 – 00:02:42.600] Enterprise saya boleh kata

[00:02:42.600 – 00:02:45.640] Awak hanya pula ada 2 level sahaja

[00:02:46.940 – 00:02:48.000] 3 lah

[00:02:48.000 – 00:02:49.080] Kalau nak cantik sikit

[00:02:49.080 – 00:02:50.900] Adalah owner

[00:02:50.900 – 00:02:54.780] Awak boleh ada manager

[00:02:54.780 – 00:02:57.740] Awak boleh ada staff

[00:02:58.980 – 00:03:00.600] Cuma kat sini yang mana? Yang wajib

[00:03:00.600 – 00:03:02.060] Yang wajib

[00:03:02.060 – 00:03:02.880] Yang ni

[00:03:03.480 – 00:03:04.720] Yang ni dia wajib

[00:03:04.720 – 00:03:06.440] Yang ni wajib kena ada

[00:03:06.440 – 00:03:08.220] Yang ni wajib kena ada

[00:03:08.220 – 00:03:10.120] Yang ni optional sahaja

[00:03:11.080 – 00:03:12.200] Yang ni pun optional

[00:03:12.200 – 00:03:14.940] Tak semua company nak ada C level ada manager

[00:03:14.940 – 00:03:16.560] Macam saya pun, saya kurang manager

[00:03:16.560 – 00:03:18.460] Saya suka structure yang lean

[00:03:19.140 – 00:03:20.580] Ada pun koordinator

[00:03:20.580 – 00:03:23.000] Sarat saya, manager ni

[00:03:23.000 – 00:03:24.480] Saya tak jadi panggil dia manager

[00:03:24.480 – 00:03:25.340] Nanti dia naik kepala

[00:03:25.340 – 00:03:27.540] So saya namakan dia sebagai

[00:03:27.540 – 00:03:28.700] Manager

[00:03:29.700 – 00:03:32.000] Saya convert jadi coordinator

[00:03:34.400 – 00:03:35.000] Especially

[00:03:35.000 – 00:03:37.500] Siapa coordinator? HR, admin

[00:03:37.500 – 00:03:39.220] Rupanya dia lah manager, dia tak perasan

[00:03:39.220 – 00:03:40.740] Haa macam tu lah ibarat dia

[00:03:40.740 – 00:03:43.360] Dia coordinate, dia coordinate orang sana sini

[00:03:43.360 – 00:03:44.100] Dia faham flow

[00:03:44.840 – 00:03:47.060] Kadang-kadang kita convert PA kita jadi manager

[00:03:47.060 – 00:03:49.360] Tapi PA ke pun tak perasan, rupanya dia manager

[00:03:50.180 – 00:03:51.700] Ok, jadi yang ni pula

[00:03:51.700 – 00:03:53.720] Mana optional? Haa, manager lah optional

[00:03:53.720 – 00:03:55.840] Eh, manager adalah optional

[00:03:55.840 – 00:03:57.300] Staff dengan owner wajib lah

[00:03:57.300 – 00:03:58.760] Takkan awak tak nak ada ni

[00:03:58.760 – 00:03:59.700] So, ini adalah optional

[00:04:01.800 – 00:04:04.000] Jadi, yang ambil gaji

[00:04:04.000 – 00:04:05.080] Sebenarnya adalah

[00:04:05.900 – 00:04:06.800] Level ni je

[00:04:06.800 – 00:04:07.580] Director

[00:04:08.500 – 00:04:10.200] Yang ni ambil salary

[00:04:12.880 – 00:04:14.380] Yang ni pun sama salary

[00:04:14.380 – 00:04:15.540] Yang ni pun sama salary

[00:04:15.540 – 00:04:16.620] Yang ni pun sama salary

[00:04:16.620 – 00:04:18.500] Yang ni, dia tak boleh ambil salary

[00:04:18.500 – 00:04:19.980] Dia ambil dividend

[00:04:22.010 – 00:04:23.690] Kalau director juga adalah shareholder

[00:04:23.690 – 00:04:25.210] Maka dia akan ambil salary dan dividend

[00:04:25.210 – 00:04:26.090] Tapi kalau dia

[00:04:26.090 – 00:04:27.110] Director-director

[00:04:27.110 – 00:04:27.710] Shareholder-shoulder

[00:04:27.710 – 00:04:28.490] Ada ambil macam ni

[00:04:28.490 – 00:04:29.710] So, bila awak

[00:04:29.710 – 00:04:31.810] Buat company terlampau profitable

[00:04:31.810 – 00:04:32.950] Sikit-sikit nak simpan duit

[00:04:32.950 – 00:04:33.770] Sikit-sikit nak simpan duit

[00:04:33.770 – 00:04:35.830] Kita akan self-sabotage company

[00:04:35.830 – 00:04:37.430] Kita akan ambil gaji tinggi

[00:04:37.430 – 00:04:38.750] Sebab sampai bila kita nak ambil untung

[00:04:38.750 – 00:04:39.730] Takkan tak nak ambil untung

[00:04:39.730 – 00:04:41.110] Ambil gaji tinggi

[00:04:41.110 – 00:04:42.210] Declare less profit

[00:04:42.790 – 00:04:43.870] Business tak bankable

[00:04:43.870 – 00:04:44.470] Tak investable

[00:04:44.470 – 00:04:45.030] Inflation

[00:04:45.030 – 00:04:45.850] Duit jadi beku

[00:04:45.850 – 00:04:46.330] Jadi sejuk

[00:04:46.330 – 00:04:46.830] Tak ada ROI

[00:04:46.830 – 00:04:49.050] So nak simpan cash reserve ni

[00:04:49.050 – 00:04:50.350] Kira balik awak punya OPEC

[00:04:50.350 – 00:04:51.110] Sebelum ni saya dah ajar

[00:04:51.110 – 00:04:52.610] OPEC SOSOA

[00:04:52.610 – 00:04:54.290] S-O-O-S-O-A

[00:04:54.290 – 00:04:54.850] Kira balik

[00:04:54.850 – 00:04:56.210] Katalah OPEC awak 25,000

[00:04:56.210 – 00:04:57.650] So ambil lah kirain kat situ

[00:04:59.810 – 00:05:00.310] 25K

[00:05:00.930 – 00:05:02.490] Darab dengan 3 bulan

[00:05:02.490 – 00:05:04.210] Maka saya kena simpan tuan RM

[00:05:05.670 – 00:05:06.170] 75K

[00:05:06.170 – 00:05:06.530] Dah

[00:05:06.530 – 00:05:07.810] Cukup 3 bulan

[00:05:08.370 – 00:05:09.650] Duit tu kalau dah penuh

[00:05:09.650 – 00:05:10.670] Jangan masuk lagi dah

[00:05:10.670 – 00:05:11.310] Tutup dia

[00:05:11.870 – 00:05:13.470] So kalau katalah ada duit kan

[00:05:13.470 – 00:05:14.270] Ada duit di sini

[00:05:14.270 – 00:05:15.770] Patutnya kita nak transfer ke sini

[00:05:15.770 – 00:05:18.030] Kalau ikut formula kita dalam sekitar 30%

[00:05:18.030 – 00:05:19.490] 30% ke 10%

[00:05:19.490 – 00:05:20.210] Itu pulang pedawak lah

[00:05:20.210 – 00:05:21.770] Disebabkan dia dah penuh

[00:05:21.770 – 00:05:22.670] Eh tak ada nak masuk

[00:05:23.230 – 00:05:23.730] Dia

[00:05:24.410 – 00:05:25.870] Dia pergi terus kat di sini

[00:05:27.030 – 00:05:28.990] So 30% tu akan masuk terus

[00:05:28.990 – 00:05:30.090] Dekat akaun bawah sekali

[00:05:30.090 – 00:05:31.250] Apa akaun ni?

[00:05:31.510 – 00:05:31.810] Akaun

[00:05:31.810 – 00:05:32.590] D

[00:05:32.590 – 00:05:33.290] V

[00:05:33.290 – 00:05:33.970] Den

[00:05:33.970 – 00:05:35.190] Terus semua orang happy

[00:05:35.190 – 00:05:35.670] Sebab

[00:05:35.670 – 00:05:36.830] Buat apa nak simpan

[00:05:36.830 – 00:05:37.830] Kalau dah profit

[00:05:38.550 – 00:05:40.130] Dan kita sebenarnya guys

[00:05:40.130 – 00:05:41.590] Nak menyimpan ni ada sebab

[00:05:41.590 – 00:05:43.230] Kalau awak tak nak simpan pun

[00:05:43.230 – 00:05:43.830] Masalah juga

[00:05:43.830 – 00:05:45.150] Boleh tak saya tak nak simpan langsung

[00:05:45.150 – 00:05:45.630] Biar sebulan?

[00:05:45.710 – 00:05:45.970] Tak boleh

[00:05:45.970 – 00:05:47.530] Awak kena ada runway

[00:05:47.530 – 00:05:49.210] Maximum masuk untuk bertahan

[00:05:49.210 – 00:05:50.070] Sebelum duit habis

[00:05:50.070 – 00:05:51.270] In case kemarau

[00:05:51.270 – 00:05:52.510] Awak kena extend runway awak

[00:05:52.510 – 00:05:53.990] Sebab awak nak take off balik ni

[00:05:53.990 – 00:05:55.230] Apa masuk runway?

[00:05:55.230 – 00:05:57.010] Runway ni macam kapal terbang

[00:05:57.010 – 00:05:58.330] Dia nak terbang

[00:05:59.350 – 00:06:02.590] Dia ada 1 bulan, 2 bulan, 3 bulan, 4 bulan, 5 bulan, 6 bulan

[00:06:02.590 – 00:06:03.110] So

[00:06:03.110 – 00:06:04.750] Dia cuma kapal terbang

[00:06:06.370 – 00:06:06.810] Terbang

[00:06:06.810 – 00:06:07.990] So dekat sini

[00:06:07.990 – 00:06:09.910] Maksudnya dia hanya makan duit selama

[00:06:09.910 – 00:06:11.450] 1 bulan, 2 bulan, 3 bulan

[00:06:11.450 – 00:06:13.990] 1 bulan, 2 bulan, 3 bulan je contohnya

[00:06:13.990 – 00:06:16.690] Ada pula company yang nak terbang dia terlambat sikit

[00:06:17.850 – 00:06:20.650] Dia burn duit, burn duit, burn duit, burn duit

[00:06:20.650 – 00:06:22.330] Dah sebab terbang lah sekali

[00:06:22.330 – 00:06:23.470] Terbang ni maksudnya apa?

[00:06:23.550 – 00:06:24.570] Dia dah start break even

[00:06:24.570 – 00:06:26.590] Dia tak perlukan modal tambahan

[00:06:26.590 – 00:06:28.030] Cost overhead tu

[00:06:28.030 – 00:06:29.470] Gaji staff apa semua

[00:06:29.470 – 00:06:30.890] Dengan profit yang kita dapat sale

[00:06:31.730 – 00:06:32.930] Kita dah break even

[00:06:32.930 – 00:06:34.270] Tu maksudnya dia dah take off

[00:06:34.270 – 00:06:34.850] Dia dah terbang

[00:06:34.850 – 00:06:35.290] Break even

[00:06:35.290 – 00:06:38.050] So runway ni kita boleh buat 6 bulan buffer

[00:06:38.050 – 00:06:39.750] Ataupun kita boleh buat 3 bulan buffer

[00:06:39.750 – 00:06:40.130] Jadi

[00:06:40.130 – 00:06:42.030] Dalam topik minyasi account ni

[00:06:42.030 – 00:06:43.650] Saya just nak beritahu dengan lebih detail

[00:06:43.650 – 00:06:46.210] Yang awak wajib wujudkan minyasi account

[00:06:46.210 – 00:06:47.210] Tapi jangan banyak sangat

[00:06:47.210 – 00:06:48.770] Cukuplah 3 ke 6 bulan sahaja

[00:06:48.770 – 00:06:50.430] Dan kalau duit dah terlebih

[00:06:50.430 – 00:06:52.470] Pass pada account dividend

[00:06:52.470 – 00:06:56.710] Ataupun mungkin awak nak masuk dekat FIA Emergency Account

[00:06:56.710 – 00:06:59.530] Ok, jumpa dalam video tutorial yang seterusnya