Sa post kong to’ maaaring maraming ma offend pero don't worry, I don't care. What I really care is about those people who want to invest.
Warren Buffet said “Don't put your eggs on a single basket” yes, it's very true but the reality is; What will you put to the other basket if you don't have eggs? Make sense?
“Sir Sean, may nag invite kasi sa akin, ganito daw ganyan magandang investment daw.”
“Sir Sean, gusto ko po kasing kumita ang pera ko kaysa natutulog lang sa bank.”
“Sir Sean, wala po talaga kasi akong idea sa mga investments eh.”
Look, stop looking for investments kung.
→ Kung yung expenses niyo mas malaki pa sa income niyo.
→ Kung isa lang ang source ng income mo.
→ Kung kukunin mo lang siya sa savings mo.
→ Kung wala kang sapat na kaalaman.
→ Kung wala ka pang emergency fund.
→ Kung sa work ka lang umaasa ng pambayad sa investments mo, paano kapag nawalan ka ng work?
Guys, reality check. Kamusta na ba talaga ang cash flow mo? Di mo ba naisip na hindi ka naman habang buhay magtratrabaho. Hindi mo ba naisip na kapag nawalan ka ng work, hindi mo mapupull out lahat ng pera mo sa investments mo. Di mo ba naisip na in case of emergency, yung pera sa bank mo na gusto mong patubuin talaga ng sobra ang siyang makukuha mo agad agad. Di mo ba naisip na stepping stone ang savings mo na mag business ka na daw kasi pagod na yung katawan mo kakatrabaho.
Let me tell you a story of this person na kumuha ng healthcare. She is so proud about her healthcare, invest siya ng invest and I asked her “are you really healthy?” and she said “yes, I do have check up palagi because of my healthcare” and I asked again “how’s work?” and she replied “ayun, halos lahat na ata ng shift kinuha ko na para magkapera” and I replied “Ah, nice. Keep it up”.
Ito sana gusto kong sabihin eh pero ayaw kong ma offend siya kasi first of all pera niya naman yun, at 2nd baka sabihan pa akong pakelamero. Baka kaya siguro tayo hindi healthy kasi lahat ng ating O.T. napunta na sa healthcare na binabayaran natin. Baka kaya tayo di makapag pahinga kasi kailangan nating kumayod kasi may babayaran pa tayong healthcare. Look, walang masama sa healthcare. Health is wealth nga, pero kung dahil sa healthcare tayo nagkakasakit for the sake na may pambayad, parang may mali na. Make sense?
Gusto mong malaman kung kailan ka dapat mag invest? Deretsahan na sagot, kapag 2x na ang income mo or tumaas na ang income mo. Bakit? Kung kumikita ka ng 12k per month at expenses mo is 10k tapos 2.5k ang sa investment mo per month, abonado ka pa! Pero kung kumikita ka ng 12k per month at another 5k sa sideline business mo, wala akong pake kung anong business yan basta legal. Edi may 17k ka na, tapos expenses maintain na 10k so may 2.5k ka na sa investment mo, may 4.5k ka pang ipon na pwedeng hatiin into emergency fund or magamit pampalaki ng business mo para makapag business ka full time.
Hindi naman tayo si Warren Buffet na at the very young age investor na. After ilang years pa, 2x na ng SALN niya ang yaman ni Bill Gates kasi siya ang pinaka magaling na investor. Question? How can you enjoy your money kung uugod ugod ka na? Kung pwede mo naman i enjoy ang pera mo while you are young and at the same time eh nag iinvest ka gradually.
Tandaan, ang investments ay level 2 na yan. Maraming nagsasabi na “Di na lang mayayaman makakapag invest ngayon, kaya mo na din.” which is wrong! Baka lalo ka pa ngang maghirap eh. Why? Maliit na income di mapag kasya, mag iinvest pa kaya? So ano na lang? Wala na kayong income or cashflow for your daily necessities, inhale and exhale na lang. And just imagine din, while working and investing, palagay mo ba it will make you financially free? Maybe! Pagtanda mo! Why? Because you are obliged to work and work kasi you are building your assets and yet you didn't realize that time is running out and your money can't buy you time at all.
Ito lang din naman katwiran ko since may 2 akong uri ng kaibigan na milyonaryo.
1st, milyonaryo by papers.
Sila yung mga magiging milyonaryo after 20 to 30years of working and investing. In short sila na yung mga matatandang milyonaryo one day. Walang masama doon.
2nd, milyonaryo by cash.
Sila yung mga taong milyonaryo talaga na may milyon talaga. Na anytime, pwede nilang makuha na hindi na nila kailangan pang maghintay. Kasi mas pinalaki nila ang cashflow nila bago sila mag invest. In short, walang problema sa pang invest.
Think, think, think. Walang masama sa investments kasi nga level 2 yan. Ang masama lang talaga diyan kung di mo talaga mapapakinabangan, sayang naman. Walang refund sa investment na 100% babalik ang pera mo. Think about it, you can't buy time na maaaring mawala sayo someday.
Kaya mayayaman lang nagmumukhang kayang mag invest kasi sila yung mga taong nagpapalago at nagpapalaki muna ng income. Ang hirap kasing isipin na panay ka invest, wala ka na namang mapanghuhugutan. Cashflow first!
Maraming pwedeng mangyare sa loob ng 1 year, what more pa kaya sa 20 years? Kung aabot tayo.
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