9 Aturan Uang yang Harusnya Gua Tahu Lebih Awal

In this video, I want to share 9

money rules that I think I should have known

earlier. So I've noted some of them down

in this video and I'm going to

share them with you guys while doodling

on the iPad over here. You use this money rule

when you have an

income. So before you

spend, before you do

anything, you must have

strict rules regarding your finances. Because

with the right rules you will

avoid the wrong holes

which will ultimately lead to making

wrong decisions. The

effects of which you will feel in the next 5 to 10 years

. There are rules

about investing, there are rules about saving

, and there are rules about spending. So

let's go straight to the first rule,

namely the rule of 10.

So what is the rule of 10? yes.

If I wanted to buy an

iPhone now and this is real, I

personally applied it in 202122 back then

there was an iPhone called XR,

if I'm not mistaken, I bought

it for around Rp. 10 million and what

I applied to myself before I

could buy this Rp million cellphone, I had to have a

minimum net or wealth that was 10 times

more than the iPhone or than the

item I wanted to buy [snort]

and this rule of thumb applies until you

have 10 billion dollars, aka million

dollars.

10 billion.

So, for example, you want to buy an XR

, the price of this iPhone XR was back then, I

still have it now, the

price is IDR 10 million. This means that what

I should have in my rules

is IDR 10 million multiplied by a row of 10, so

I have to have IDR 100 million, then from

this IDR 00 million I can

spend or head on quotation marks to

something that we say is IDR million

. So, another example, let's say I

want to buy a car like that. This is my drawing of a

car as best I can.

Well, this is how it is. This car, let's say the

price is IDR 200 million. So

with a RLE of 10,

how many do you have to have? No, oh, I have

R00 million, so I'll just pay it in installments. I pay in installments, yes, I pay in installments of

Rp. 20 million every month. Yes,

this is the rule of 10, this is 1/10 of it.

Well, that's not how it works. But if

you have R00 million, you want to buy a

R00 million car, as long as you don't

really need it, then what you

have to do is

first save your money up to R200 million multiplied

by the rule of 10, which is R10 million.

This alias is R billion. You must have Rp.

2 billion. If you don't have Rp.

2 billion, don't buy a car, just

Grab it. Because Grab Gojek is like that,

it's always more profitable than

buying a car. The car is just about

psychological safety, right? About

you feeling safe. Just like a house, a

house is not something that is mandatory.

You can rent that house. The house is

just a psychological need. Buy

versus rent. Renting is always more

profitable than buying. The second rule of money is

, annualize everything.

So, what does annalize

everything mean? For example, I want to subscribe

to Netflix. Netflix costs Rp.

150,000 per month, for example. Well, what

I'm not allowed to do with

this money rule, I'm not allowed to look at this.

Oh, this is Rp. 150,000 per month that

I should do. Yes, I

annualize it, I multiply it by 12. So,

times 12, 150 times 12, this

gives a result of approximately IDR 1.8

million per year. So you have to look at

your expenses, yes, look at them per year,

not per month, so that they feel

higher. So you can separate whether

it's worth it or not. Because money

always looks small, right? When

you spend, spend,

spend, for example, you buy coffee today

. Oh, I bought coffee today. I

bought coffee today for only R30,000,

for example. But this R30,000, this is

only daily, this is per day. If it's per

week, oh for example, if I work 5 days

, that means I multiply it by 5, it's 150.

How much does that mean per month? You just

multiply it by 4 weeks, that's 600.

How much does this mean per year? So you

have to learn to multiply it by 1

year so you can know

how much your monthly expenses are, right? So you

can know how much money you spend in 1 year

by spending IDR 000,000

per day. That means 6 times 12,

if you multiply it you get the number 7.2

for example. So learn to multiply

by 12, okay? Annualize all your expenses.

But don't be mistaken, okay? I

don't want you to reduce

your spending. What you should do is

increase your income. You can't

reduce your expenses like that. But like

this, you get Netflix data worth Rp.

150,000 every month. Don't

look at it like that. I subscribe to Netflix so I

can watch thousands of hours of stuff like that, right? World of

Films is 1.8 million every year.

Is this worth it? Well, you have to

ask yourself that. If

you think it's worth it and go for it, then

why not? Same as copy for example.

Do you drink coffee every day when you wake up and go to work

every day? That's worth 7.2 million

every year based on

your current income. If it's worth it, that's

it, but if it's not worth it, don't

do it. So learn to see

or learn to evaluate whether

this is worth it. Not based on a

monthly basis, not based on a daily basis, but

annually, that's how it's calculated. That's the

second rule of money. The

third rule is to always look at the

total cost. I call it total

cost row. For example, if you want to buy a

cellphone, let's say it has three

cameras, right? Yes, the

latest iPhone, for example, the price of this iPhone

is IDR 10 million.

This is what ordinary people usually see,

oh this cellphone costs IDR 10 million. But

the fact is that this cellphone is not IDR 10 million. In fact,

after you bought a cellphone, what did you buy? Oh

I have to buy a case. Oh yeah, I have to

buy an additional screen protector, for example

. Oh I have to buy this additional charger

. For example, the casing costs Rp. 100,000. A

screen protector, for example, costs Rp. 100,000, a

charger, for example, Rp. 100,000, and then

there's the problem of, "Oh, I have to buy the apps

that are inside, I have to move them

, I have to buy A, B, C, and

so on." So, the total cost is

not actually IDR 10 million, it could be

IDR 1 million, for example. So, learn to look at

everything from the total cost.

That's another simple example.

For example, if you want to buy a car, well, this is the

knowledge that people have, for example, look, oh,

this is a car. This car costs, for example,

R billion, right? Yes, the price of this car is

IDR 1 billion. But you have to see

how much insurance there is

per year. How much do I have to pay

? Yes, for example, the insurance is IDR 50

million. Another example is I have to change

the oil, I have to buy petrol. So,

how much gasoline can this produce each year? For example

, I just bought Rp. 50 million.

Then oh yes, in this car, for example, there are

often damages and so on,

flat tires. For example, if we're talking about

additional costs, I don't know what they are

out there, right? add for example,

yes, we say Rp. 50 million. So the price you

paid for the car wasn't Rp billion. The price you

bought the car was Rp billion plus 50 + 50

+ 50. The price you bought the car was

billions like that. So learn to look at the

total cost, not just look at the label or

price tag. So when you already know

that when you want to buy, for example, a cellphone, you have to have a

casing, what else, and

then you have to add more, for example, you have to

have iCloud, for example, on an iPhone, you

have to have additional storage, you pay

again, for example, IDR 100,000, so to

maintain this cellphone,

for example, every year, you need IDR 400,000, so

you pay IDR 10 million to spend IDR

400,000 every year. Well, it

should be like that. For example, car

insurance, you pay R billion to

take out, for example, R50 million.

So you have to see whether you are capable or

not. So this goes back to

rule number one, right? You have to

have 10 times the rule of 10. This

has to be in your cash, like that. If

your money is tight, for example, you

want to buy a car worth IDR 1 billion, but your money is

only IDR 1.5 billion, for example. So, the

remaining IDR 00 million is gone, suddenly in 1

year your money is minus, for example, it

becomes IDR 350 million, which is a decrease of IDR 50 million.

Why? Because of insurance, because of petrol,

and other additional costs.

This Rp. 150 million of your money leaves you with 350. So

basically you can't afford to buy

this car. So learn to see what is

called the total cost rule. So you

have to look at the total cost of everything

because there is always something called

hidden cost in someone's sales. The

fourth rule, in my opinion, is

quite life-changing, namely cost

peruse.

This is me, I used to really like buying

shoes. So when I earn a

lot of money, I buy a total of

three or four shoes in my wardrobe.

And I don't know this concept. If

I had known this concept earlier, I

wouldn't have bought so many shoes. So

, for example, let's say I have one

shoe over here. Think of these as

shoes. Well, this is shoe A. Then this is

shoe B. Well, this shoe A, for example,

costs Rp. 1 million, right? I've bought

these B shoes. I suddenly a

few days after that I wanted to

buy it too, the price was for example IDR 5 million

cost per use. You have to calculate this cost per rule,

okay? Approximately

how long will these shoes last? 1

year for example. Assume that in 1 year there are

365 days, let's assume that

you will wear shoes for 300

days. That means cost per use, right? Every

time you wear these shoes B, it's R1.5

million divided by 300. You just have to

scribble on it and so on, right?

In other words, the cost for you to wear these B shoes once

is Rp. 5,000. Well, this is what you use like

that. Now, for example, if you have two

shoes, for example shoes A and B,

then suddenly you buy another shoe C.

But you can't wear

shoes with B and C like that. You don't

get legs like that. You only have two legs. Yes, that

means you have to count, right? For example, C

is because I already have shoes over

here, shoe A, right?

I've already worn shoe B. Shoe C, for example,

also costs the same IDR 5 million, but

I only wore this shoe C maybe 20

times before it eventually broke and I had to

change the series. So what

I should calculate is,

how much will it cost me to wear these shoes once? Once I

wear these C shoes, they cost Rp. 75,000

per use. So learn to

look at the cost per user. I'm wearing

C shoes for R5,000, is it worth it?

If you think it's worth it, just go ahead

. But in my opinion, if you

already have too many of these and you

feel like this doesn't work, then

don't buy it because you'll only use it

a few times. Besides, humans

can get bored easily. So the

fourth rule is that the cost per lu must be calculated

. For example, this is an example of shoes that I

personally have experience with. You

can also use gadgets if you want to

buy two gadgets. How long do you use a gadget at one time

? You want to buy toys like that,

everything can be applied. The fifth money rule

is the 30 day roll. Well,

you may have heard this often. So

learn to postpone it 30 days

later. So, what exactly is this 30

days roll? For example, let's say

there's a cellphone here, we're talking very well,

for example, here's an iPhone, there's a cellphone

here, you just saw the advertisement out there

on YouTube or on Apple, for example.

Well, Apple immediately made a product

like the iPhone 18, for example, see. Oh, this is a

really good product, the camera is

really good. Well, you want to buy this,

the price is Rp. 20 million for example. So,

before you buy, learn to postpone it.

Pause, wait for 30 days, okay? So

for these 30 days you postpone it. If

after this, for example, in March, you

postpone it, you wait until

April. In April, you still want to have

this cellphone, right? You still feel like oh I

want to buy this iPhone 18 because the

camera is good. So

what should I do? Okay, you can buy

it. But if after 30 days your

thoughts every day are not about

this iPhone 18, then it is not worth

buying. So learn to procrastinate.

Because most human decisions are

made when people are

emotional, when they are

passionate. I just

want to take action like that. So

learn to postpone 30 days. But

this 30 days row rule, this does not apply to the

first drug. So if it's

medicine, you can't wait

30 days to see if I'm still sick or

not. And that is what is called

basic needs. So, for example, if it's food like that,

well, you can't eat it for 30

days. And the third is an

urgent need, yes. For example, your band is going

downhill or

something is wrong with your family. Well, you can't

delay that. You can't use

this 30 days row. But if it's for fun,

you can usually postpone it

for 30 days. The sixth rule is the

roll discount.

Well, I often see a lot of

people who are tempted by

discounts. Oh, this item is 50% off,

the promotion will end in 3 days. There's

this item with a 20% discount, it's almost gone. This is

only for the first 5 people. Well,

now I want to ask you guys.

If there were no discount, would

it be on your list of items

to buy? For example, there's an iPad

over here, I'll sell it to you. This is a

50% discount, from Rp. 10 million to Rp. 5

million. Are you going to buy it or not?

If the answer is yes, even though you initially

didn't think about buying this iPad,

then you have fallen into

this discount trap. So this discount rule

only applies when, for example, I

really want to buy this, oh, this iPad,

I want to buy it, but it just so happens that

there's a discount. Well, he just bought

his iPad. So don't create

demand. Don't suddenly want

something just because it's on

sale. So,

in my opinion, this roll discount is very effective. I used to

apply this everywhere.

That's why I don't really believe in

discounts, unless I

really need it. So if I

need it and it happens to be on

sale, thank God. But if I don't

need the item at a discount,

I won't buy it. No matter how

big the discount is or whatever,

I won't buy it. If I don't

need it, I won't buy it. So discounts

can lower prices, but don't

let the price reduction create

demand. The seventh money rule is

called the temporary income rule. We

call it the temporary income rule. So,

for example, you now have a salary of Rp

million

, and suddenly you think your work is

really good, you get a bonus from

your boss. For example, the bonus is IDR 2 million.

Well, we call this temporary income

as temporary income,

right? This is me, if you

watch this channel often, I

will improve your financial literacy

. So if you have friends

who can spare a few tens of minutes

of your life, because for example,

this video is only 30 minutes or 1 hour, this is only

at most 5% of your 1 24 hours

. So, please share it with your other friends

if you think this video is useful

. So, for example, your bonus is IDR 20

million. Well, this is called temporary. So,

don't let this million Rupiah tie you up and

suddenly you're paying off a mortgage for a house or a

car. Well, don't do this. What

's called a bonus or surprise money, we

talk about, you should invest this, right?

So it's a temporary income rule. Don't

assume that this bonus will

come soon. It's like surprise money.

The surprise money won't come if you

make a decision today just to go into

debt for the next 5 years. Well, this is

really not pois. So, for

example, if you have a bonus of IDR million, don't

assume you will continue to get IDR million

every month. Well, that way of

thinking is fatal. The

eighth rule, yes. learn to differentiate between

fixed and variable. Well, this is

very important. So, what does that mean?

What is the thing called fixed cost?

Food is a fixed cost. So it can be

divided into two, right? Fixed cost is

food, right? You need to drink

, for example electricity. Well, that's fixed,

namely a place to live, food and clothing. Well, this is a

fixed cost, right? You have to calculate

how much your fixed costs are. So learn to

box, yes, this is the income and these are

fixed expenses or

variable expenses. the variables. What are some examples

? For example, this month a friend of mine is having a

birthday. This means that if it's

my friend's birthday, I'll

spend money and give him a gift like that.

Well, that's a very wrong way of thinking

. This is not a fixed cost, it is a variable.

Well, reduce it. For example, if your friend is

having a birthday or something, but your money

is too tight, you don't need to

buy him a gift or whatever. You

save first. You should fix

your finances first, then after

your finances are okay, after everything is okay, then you can

give a gift to your friend. Therefore, the

input cost variable is the

input, namely the variable expenditure

which is very varied. When

your income is very fluctuating,

you keep hunting for something that you

don't know

how much your expenses will be. This is getting to be a

financial mess. The ninth rule is loan to

gift.

So, there are a lot of

my friends out there who like to borrow money.

So, soul, can I borrow money

for this, right? Sou gua can also

borrow R10 million and so on. Well, I'm

sure that those of you who have at least

a little money and your friends know that

you like to borrow money from you. So,

the answer is, is it okay to lend it to someone?

Yes. But when you lend something to

someone, consider it a gift. So

don't think of it as a loan. For example, a

friend of mine wants to borrow

R10 million from me, but I can't

afford it. So, consider the money you lent

to your friend as lost. So,

for example, my friend wants to borrow R10 million,

all I can afford to lose is maybe R2

million. So what I lent to

my friend was not R million. Even though he

needed R10 million, I

lent him R million. So it's like I'm just giving

him a gift. I don't

expect this R million to come back to me like that

. Yes, that's good, that's a good friend,

right? If you don't come back, that's

okay. This is just my

personal money. So let's learn to make loans to gifts

. So, for example, when you

have money, you have to think about

how much you are prepared to lose. Don't think that

your friend can return your money.

Because if he could return your money,

he wouldn't borrow it. In the first place,

his finances were already good.

If he can't borrow it from you,

then give it to him. When you want someone to

lend you money, think of it as

looking for it for them. think of it as money

for them only.