ยิ่งฟังยิ่งเพิ่มปัญญาการเงิน| Podcast พัฒนาตัวเอง

These are the 3 points that will change you to be a perfect person without worrying about money. 1. Don't forget this question. Have you ever asked yourself, Hey, is the job we choose to do now a job that gives us life? We are talking about a job or a business that can take care of you for the rest of your life. Of course, it's not something that makes money for you in a short period of time, but it will make money for you in the long run. This sentence is worth thinking about. I got it from a business consultant. It is used to check the stability of the job or business you are doing. What you are doing now is short-term or long-term money. In simple terms, short-term money is like the time when people start to build themselves. At that time, you may not be able to choose a lot of jobs because there are very few choices for you. It may be a job that you need to do to make money to feed yourself every day. Most of the time, this type of job is a job that requires only one person, which is you. A long-term job is a job that focuses on the brain of many people. Of course, in the beginning, it may have to use your brain first. But if you want that job to give you life, you have to expand it to make it bigger. Expansion requires the brain of many people. That means you have to have a deal to buy the experience of many talented people to work together. Here, if you think you have chosen the right job, you have to answer yourself that the job I am doing now, does it have enough profit or money to hire more people? Because if it is a job that produces money for you in the short term, not a life-long job, it will not have enough money to hire people. It turns out that you have to save money to collect it instead. Are you following me? So, all in this topic, I'm going to tell you that where are you now in your life? Do you need a short-term income to make a living? You will realize that if you are in this kind of job, there will be limitations. For example, the number of sales professionals will be limited to a few people a month because there is only one person. Or some professions have very low pay, can't up the price. What I'm saying doesn't mean it's not good. If we do it and it's happy, we will continue to do it. But I'm talking about people who want to go further. You have to wake up and realize that the job you are doing now can cost me my life again. If you can't, you have to plan, set goals, and move to a job that expands your potential to the limit, unlimited, and is free to up the price. Second, it is a way of making money for people who are good at making money but can't pay. No matter how much money you get, there is a reason for it. The first reason that people can't save money is because you don't draw the line for yourself. I make this mistake very often. In the past, I used to pay in the same account. If I get money to transfer, I will travel, I will use the money from that account. I will make a donation and transfer the money from that account. I will pay for many things in one account. Has anyone lived like this for months or years? If there is, it means that we may be in the same gang. The strange thing is that some people make a lot of money 2-3 times. But when it comes to the end of the month, the account is dry. The more I see my friends transferring money to their parents, the happier I am. I can only think that I have to survive today. Until the teacher warned me. I'm good at making money, but I can't save it. My life is broken. The word has an old-fashioned meaning. It means that there is no money left. I found out that it was like this because I didn't separate the accounts. Imagine using it easily. In our bank account, we usually use it in the application, right? In one account, you can open many accounts. I use the way of thinking of T. Harbecker. The owner of the book, The Brain of a Millionaire. But I will tell you from the perspective of real usage. The technique is to open 2 accounts. I will tell you the reason. Listen carefully. The first account for the money that has to go out often. There are 4 accounts that you have to open. It will appear in your bank account application. The special thing is that it can be named. You can name it one by one. Start with the first account. It's about daily expenses. It is the food, travel, water and electricity bills that you have to pay throughout the month. And it is the highest expense. Therefore, in each month, you get 100% money. It may be divided into this account for 45-55%. It is easy to remember. It is a family-oriented account. The second account is about self-improvement. When you want to buy a book, apply for an online course, transfer from this account. It's like a notebook account. The third account is about travel money. You can use it to pay for yourself. If you want to buy something special, like Asia. And the fourth account is about sharing. If you want to buy something for someone, where do you want to make merit? Or who do you want to help? Come here. It's a family-oriented account. When you get 100% money from these 3 accounts, divide it into 5-10% accounts. As for the last account, why do you have to separate all the accounts? Because there are 2 accounts that won't ruin your life. The fifth account is a savings account. It's a savings account for 6 months to 1 year. It's also a money for life insurance and health care. I named it as an insurance account. I can tell you that many people don't have this account. And it's not very important. You will see the impact of this account in the next section. And finally, the sixth account is an investment account for wealth. Don't forget that it's an investment account. You can use the savings account and the investment account for 10-20% each. The numbers can vary according to your preference. Why do you have to open 2 accounts at once? Because if you combine all 6 accounts in one account, it will be too easy for you to save money and invest. It's good to save money in different accounts so that you don't have to spend money in the future. If you can do this, you will become a person who does not suffer from money. Finally, I dare to say that if you don't make a plan now, when something happens, it will be very difficult to get your life back. Anyone who has built himself up to a certain level, what you have to do next is you have to prevent the risk of what will happen. That is to pay a small amount of money to save a large amount of money. It is a way of thinking that is used all over the world. It is called the Financial Planning Pyramid. Many people may be familiar with it, but I will tell you a little bit about it. That is, you have to have your own savings and insurances. Savings and insurances are the money you use to pay when you don't have anything for 6 months. But even if you have it, it still can't prevent the risk if you don't have a life insurance. Don't get me wrong, I'm not a seller. But I'm going to tell you the truth. If you don't pay attention, you won't know. Here, I haven't told you yet. My girlfriend was infected with COVID-19 from someone. She was 39 years old. The doctor said that if she was to be admitted to the hospital for 5 days, it would cost about 60,000 baht. Anyone who heard the price would want to go home and sleep. But you have to sleep at the hospital. After 5 days, the medical bill came out. It's much more expensive than I expected. 60,000 baht is just the room fee. It doesn't include the medical bill, the doctor's bill, the treatment bill. It's a total of 140,000 baht. I don't know what to do. But I'm so lucky that she has an insurance. I didn't pay a single baht. I told you this story not to make you feel afraid of the disease. Because even if this didn't happen, I would do it anyway. You know, I used to lose my insurance money. And someone told me that he used to have an insurance for his whole family. But he didn't use it, he didn't get sick, so he didn't pay. Then one day, luckily, he played a joke. His wife was sick. He lost a million baht in treatment. No insurance at all. But I met a mindset that changed my mind. I didn't talk to the seller. I had a chance to work with an older brother. He was very rich. His whole family. Do you know why the reason for choosing the insurance of ordinary people and rich people is very different? Ordinary people choose insurance because they are afraid of getting sick. But the rich people choose insurance because they want to protect their savings. The focus is very different. When we focus on the disease, which year we don't get sick, we feel like we're paying for it. And finally, we stop using the insurance just because it's not worth it. Even though we have money, it's not that difficult. But the rich people don't think like this. Because if you don't get sick in any year, it means that year is a good year. And the insurance I made is considered to give warmth to the whole year's work. The money I found is safe and worry-free. And with a good plan of money management, it won't make it difficult for you to go back. Finally, who has listened to the end? Tell me in the comments section which topic you like the most. And why do you like this topic? Or you can share your money management experience in the comments section. Those who spend time sharing and talking wish you good health and better money every year. For those who like to improve themselves, I would like to hear easy-to-understand tips. No need to have a lot of knowledge. I will tell you the best stories in this channel. Please subscribe, press the notification bell because there is no update schedule in this channel. See you again. I'm FL. Amazing Storytelling.