Usapang Pera S01E07
“Ang lago nito, ‘no?”
“Oo. Venus, mahilig ka pala sa halaman?”
“Yes.”
“So, sa bahay niyo, marami kang halaman?”
“Oo, nagtatanim ako ng gulay, mga namumulaklak. Oo, totoo nga!”
“Okay! Oo, naniniwala ako. ‘Yung ano, ‘yung halaman, actually, Venus, para din ‘yang—Maihahalintulad natin ‘yung buhay ng halaman. Sa, financial life stages ng mga tao.”
“Wow, ang galing mo doon. Ano-ano ba ‘yung mga Financial Life Stages?”
“Okay, bago ko sagutin ‘yan Venus, kailangan muna natin maintindihan ‘yung mga pagkakaiba ng active income at saka, passive income.”
Patuloy ni Sir Vince, “Ang passive income ay income na kinikita mo kahit hindi ka nagtatrabaho. Ang active income naman, kailangan mong magpawis at magbanat ng buto. ‘Yung financial life stages ay nasusukat siya sa ability mo to cover your expenses sa pamamagitan ng passive income.”
“So, ‘yan talaga ‘yung mahalaga. Kailangan magkaroon tayo ng passive income. At meron tayong limang stages doon. So the first stage is the Start Up stage. And then, Financial Independence Stage, Financial Growth Stage, Financial Stabilization Stage, and Financial Freedom Stage. So ‘yung Start Up Stage, Ang suggested age ko dito ay 21 to 22 years old. At ang expectation ko diyan ay zero ‘yung kanilang passive income because kaka—”
“Kaka-graduate lang.”
“Oo, kaka-graduate lang, magtatrabaho. Ang goal dapat dito ay makapag-ipon na for emergency savings. Mag-simula nang mag-emergency savings ‘yung mga kabataan, ‘no? 21 to 22. Ang second life stage naman natin is the Financial Independence.”
“Independence, right.”
“Financial Independence kasi, ang gusto ko mangyari ay maging idependent in terms of finance ‘yung mga tao, ‘no? ‘Yung mga kabataan. So ang suggested age ko naman dito is about 23 to 25–.”
“Twenty-five. At ito na ‘yung kumikita ka na?”
“Yes, kumikita ka na. At ang passive income mo dito that your covers expenses should be about 1 to 10%. Ang pangatlo naman ay yung Financial Growth Stage. Ang Financial Growth Stage naman, ang suggested age ko dito is about 26 to 45. Mukang nandito ka yata.”
“Forty-five!”
“Okay, mukang twenty-five. So 26 to 45 years old.”
“At ang suggested na passive income ko dito, as a percentage of expenses is about 11 to 50%. So ‘pag napapansin mo, habang tumatanda ka, dapat mas lumalaki.”
“Ang passive income compared sa expenses. ‘Yung fourth naman na lifestage natin ay Financial Stabilization Life Stage. Ang suggested age ko rito is about 46 to 60 o 65 years old, okay?”
“Financial Stabilization siya kasi at this stage, talagang dapat mas malaki na ‘yung passive income that will cover your expenses. So dapat ito ay 51 to 99%. And then, the last one is the Financial Freedom Life Stage. And when we say Financial Freedom, this is already..?’ dagdag niya.
“Ang nai-imagine ko ‘yung naka-upo ka na lang, parang gano’n.”
“Yes. Retirement na ‘yan. So ‘yung passive income mo dapat kayang i-cover lahat ng expenses. So balik tayo sa plant, ‘no?’
“Okay.”
“So tulad ng halaman, kapag ‘yan, dinidiligan mo, inaalagaan, nilalagyan ng fertilizer, parang ‘yang savings din, ‘no? In the future, lalago ‘yan at mamumunga. So, ‘pag retirement, mamimitas-mitas ka nalang diyan.”
“Gusto ko ‘yon.”
