Baru Lulus Udah Pengen Buka Bisnis?

Yo, everyone! I've already tagged this. I'm now reducing motivation seminars. From 2014, you can scroll on my Instagram. I used to be a person who needed validation that I had to be smart. So, I'm doing motivation seminars. But since I entered college in 2022, I'm really embarrassed to share motivation seminars.

And I'm more into teaching that to become financially stable, not successful financially stable, because success is subjective. There is success, it is very subjective. We will be successful later. To become financially stable, the process is long. And it can't be eaten from motivation. And finally, I'm more aware of how to become financially stable. And this is really suitable for those of you who are in the sixth semester.

In the 7th semester, you just need to write a script and don't know what to do. Back again with me, Tirta Citot, a part-timer teacher at SBM ITB, who is paid only 400.000 rupiahs. I'm satisfied with teaching my friends in the master class.

The first question is, what is success? Dr. Tirta in 2014 said, "Success is when you work according to idealism." Idealism is a waste of money. You can be idealist if you are not poor. You can because you live in a very realistic country. If you live in a country like Finland and Switzerland, you can be idealist. Because 50% tax is re-insured and you get free treatment.

Bro, your idealism cannot pay off when you have diabetes. That's the first thing. So for me, success is subjective. Success can be financial success, religious success, spiritual success, or health success. We will discuss not success, but financial stability. And the second question is, "I graduated from college and want to do business."

Before I answer, I want to ask you why you have to do business. Why? Because you want to be rich? Bro, bro, because you want to be rich? That's why you should ask. "I want to do business. I want to be a graduate." Why? What is the reason for you to be an entrepreneur? So that you can be seen on Instagram bio? CEO. The CEO is not good. The important thing is the CEO.

To validate the evidence against the competitors. Because you are a fraud all your life. Ask yourself, what do you want to be when you become a businessman? A businessman is not just a game of mind and titles. A businessman is fighting uncertainty in his life. We don't know what to eat tomorrow. We don't know what to pay the employees tomorrow. "Money is cheap." Yes, 40 years ago, money was cheap. Why did you become a smoker 40 years ago? Now you're Michael Hartono.

But 40-50 years ago, you were a rich man. Mr. Oga, you earned Rp. 1,000 per round. You run a business, you earn Rp. 100,000 per day. Rp. 3 million per month. Only from the private sector. You can't be a rich man if you're not a crazy rich man. You have to answer that first. What do you want to be a businessman for? Answer it in the comments first. Don't just go "wowowowow". That's the point. What do you want to be a businessman for?

Because an entrepreneur is not a status that can be maintained by motivation. You are fighting with uncertainty. What do you know about entrepreneurs? Do you know what the definition of entrepreneur means? Do you know? Are you fed up with "school is full of bullshit"? Well, he can know that school is full of bullshit because he is in school. Because he is in school, he knows it's full of bullshit. If he is not in school, he doesn't know it. So it's impossible for him to be number one. Number two is, after I talked to some mentors,

And I talked to several professors. The most important thing in the age of 20-25 is experience. Experience. You can look for that experience from anywhere. Working with people, part-timers, freelancers, and going to college again. But do you know what destroys it all? RAS. R-U-S-H. You are under the standard of society.

Because it's a standard of society that was made by the citizens, fictively, that 25-year-olds should have a lot of money. There's no such thing, sir. 25-year-olds should have 100 million. There's no such thing as 30-year-olds should have a house. That's just a standard that was created in the past as a success subject standard. Even though, again, I've said that success is subjective. Success is subjective. No one has ever been satisfied with the so-called nominal salary.

You say, "I just want to have 1M, Doc." I guarantee that my ears will be cut off. If you already have 1M, you must want 5M. If you have 5M, you want 10M. You can't think that success is standard, and you should have money at the age of 25. You can't do that, bro. The more financial it is, and from what I know, the lower the financial, the more limited it is. Let's try to guess, students here. You guess. Financial is closely related to what?

Variation. Alternative of choice. The higher your financials, the more alternative choices you have. For example, Ferry Irwandi has a 1M salary. What does she do? Maybe her child can go to a digital school. She should be able to buy an Avanza, but now she can buy a lot of cars. What if she has a million? She doesn't have a choice. So financials are closely related to choices and alternative of choice. And you are a fresh graduate. Now the question to your choice, number three.

Before you start a business, you must check your savings. You must check how big your privileges are. Because what many people don't tell you is that 50% of success comes from luck. Lucky pool, for example. I was very lucky this year. I am a Liverpool fan and I admit that all the opponents are suddenly strong. You don't know what Dr. Tirta's privileges are, right? Dr. Tirta's privileges are that his father is the director of Tamabak. And now he is the chief commissioner.

My father was an economics teacher. He was a genius. I learned financial literacy from my father. I learned tax literacy from my parents. My mother was a farmer who was in the bank. My mother was Chinese. My father was a boy. My mother was Chinese. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old. I was 25 years old

It's obvious, right? It's a good deal, boss. It's a lesson, bro. Frugal living to the max. If you can cash, why do you need to renew? If you can cash, why do you need to credit? Bang bang. That's my preference. Before you start as a fresh graduate, you must have these three things. First, how stable is your savings right now? Write it down. Write it down now.

What's your savings in the 6th semester? 100,000 rupiahs. You should be able to save up. Bro, sorry to say, bro. If you're a single-payer, you should be able to save up for yourself first. What's a non-payer? A non-payer is a way to get a proper degree. A single-payer is a business. What's the problem, boss? It's not a problem. I'm helping you, boss. No worries. I'm not a Javanese. That's the subtitle. That's the point. Number one, are you financially stable now?

If yes, write "yes" to get 100 million. If no, and I'm sure 90% of you will say "no", then watch this video. Number two, how big is your privilege? Write it down. What is your father? A lecturer? A teacher. Write it down. That's the privilege of knowledge of education. What is your father? A clerk? The privilege of power. What is your father? An entrepreneur? The privilege of financial.

Then, the boss has a sales networking privilege. The boss is the head of the HR department. "Your privilege, Mr. Serunda." "What are you talking about? This person is the head of the HR department." "It's the minimum, bro. It's a small privilege." The boss writes that privilege. If you don't have a privilege, write it down. "I have no privilege at all." "Yatim piatu dokwayo nunsewu. Sorry, that's it." Number three, write it down. "How many semesters did you study?" "How much is your IPK?"

And do you have a working experience or not? So, for example, the IPK is 2.6, working experience is 3 years as a part-timer. Or the IPK is 4, but never worked at all. These three will be useful. The first possibility is that if all of these are positive, you are financially stable, you have privileges, whether it is in the field of networking, education, power, or financial. And the third is that the IPK is good.

So, your business has a small chance of failure. That's a shame. Do you know where you can buy a GPT-Pro set for 3 million per month? The answer is the same. How come Dr. Tita knows? Bro, 3.9 degrees of IPK, then you're out. Arrogant, if you're smart, it's okay.

So, the first question is, if all of them are yes, then you're in business, the possibility of failure is small. "Dok, why is the possibility of failure?" No. In business, it doesn't see the possibility of profit. But in business, it's a business that can suppress the possibility of failure to close to 0%. That's how you'll win the competition. Because football or life is not about attacking. Life is about survival. Survival, boss. Life is about survival. Life is not about dreams. Dreams are just a stroke.

Second, if one of them is not. For example, the savings are good, but the privileges are there, and the income is low. The income is good, so the only one is not. Work. Because working will make your mentality become a fool and make you feel like you are being ordered by someone. Work.

If the answer is yes, it means that the answer is one of the following. So, here are some tips. For example, the financial savings are good, but the privilege is not available, and the IPK is good. Or, the privilege is there, the financial is good, and the IPK is good. Or, the IPK is good, the IPK is good, but it works.

There are no privileges, but the financial is good. So, if there is only one, please work. Because you have to learn from others. If you find a toxic office, then don't be a boss like that. If you find an office that makes you grow, then be a boss like that. There you will be a tofful. Work for a long time until you are all done. This is the worst. There is no more than one. Your chances of survival are small. But, but, there is but.

"Not more than one." If you don't have more than one, it will be a serious problem. It will be difficult to calm down. Why? Usually, the "not more than one" is the generation of sandwich. Usually. So, you are trapped in a situation of middle class or structural poverty. Between these two. Middle class and poor. Eh, poor and middle class. If the poor are poor, then they will be beaten up. Not all of them. That's really painful. I will not discuss that in the last part. So, middle class and poor.

Poor but not that poor. Usually, it's more than one. So, find a job that can get you money. Don't care about your IP, networking, or anything. What's important is your mentality. This is it. Whatever you do, you get money. And you can work according to your rank. Part-timers, you get money. That's it. Don't start a business first. The last one is the worst. If not, what will happen? Fate. Because imagine, there's no savings. There's no privilege.

"Ipk experience is low, but Ipk is low." This is definitely a push rank hobby. It's clear. The minimum is PIO. There is no privilege. Financial is good, but Ipk is good. It's clear. Then there is a question, "If Ipk is good, why do you study?" It's better to have money for studying. So the TikTok comment says, "Studying is a style of employment." That's right. If the student is stupid. I agree. If you don't intend to study, go out and work.

Don't waste your parents' money on a bad school. This is the right way to go about it. If your school's POV is bad, why do you go to school? If your parents are rich, go to school. If your school's POV is bad, resign. What's the purpose of your education? For business, for your job. All three are weird. Financial, whatever.

"I have a good education, but never worked. I don't have any privileges." This is a burden on the country. The Sandwich Generation has at least two privileges. For example, if the IPK is good, but no privileges, and the financials are poor, it's usually like that. If the IPK is good, it's 2.8, 3.1. It's easy, you can work anywhere. But it's different. It's clear, right? Write it down. Write it down.

After you write this, enter the next point, self-analysis. Calculate the possibility of failure and competition. All of these, you don't have to fight it. You don't have to debate. You can't fight fate. Because we can't choose where we were born. All three of them are usually related to privileges. And all three of them, if they are in a fight, fight from zero to pro-end. Impossible.

They are fighting from zero to zero, and they are struggling from zero to zero. How many people are selling from zero? The least number is more than one. That's zero. Minus. Now we will learn about survival. If it's big, survival is really big. So it's okay to have a business. What business is profitable? Choose a small-scale business. Learn from what? Franchise, business, chicken, fried.

For example, Olive, Almas, Sabana. Why? The value is small, the margin is small. What did you learn from the cheap F&B business franchise? The managerial system. So if you want to learn, the F&B business is cheap chicken. For example, chicken Sabana, chicken chicken, what is it? Chicken coffee. It's a cheap business. With 25-35 million, you can get a franchise. But the purpose is not to find a market.

You know how to manage it. So, that way of managing inspires you to have a real business. That's my advice for all three of you. But for those of you who are not in the same group, work. Work is important. If you have a good work experience, and after work you get a salary, you get a decision. But my advice is, you don't need to resign. Double profession is the best. Double profession. Work 9 to 5, but have a business.

"Is Dr. Tirta like that?" "Yes, I'm 7 years old, still alive. I'm stressed out. That's why I run. I run by myself. If I run too much, I'll get a stomachache. I'm stressed. I come home from Malacca at 2 o'clock, I run. I'm tired. That's why my tattoos are covered. I run at 2 o'clock at night, my tattoos are covered. I'm beaten. So for those of you who are not just one, you have to work. Work, make money, to learn financial literacy.

Because you don't have any of these interests. Maybe your financial situation is bad, or maybe you don't have any privileges, or your income is poor. By working, you have experience. At least 3-5 years longer than everyone else. So don't start a business if there is only one "no". Work. 2-3 years. The "yes" is more than one, work more than 5 years. The "no" is all "Kamboja".

Tour guide. It's safe. It's safe, bro. Because it's a strange question, bro. The question from Doi is, he's a college student, right? If he's not a 3-3 student, he must be in high school. Right? High school, right? Not a college student. At least he's a mechanic. He gets money. Now, he doesn't have money, he's a college idiot. He's always on his parents' debt, boss.

The yes is only one, or the no is more than one. This is work. And the difference between these three is that you will start to think. So, the difference is time. That's what you need to know. After I learned that rich people are special, it is to buy time. That's what you need to know. Buying time. What do you mean? I get a lot of money, but I hire a lot of people so that I can relax at home.

And I just need to get income and pay a lot of people. Understand? Crazy rich will do everything for money. Live longer, enjoy time with family, and delegate as much as possible so that he has time for himself. Rich people buy time. So don't think that rich businessmen are here to provide and buy time.

Because they spend too much time to build their business, so they don't have time for themselves. So when they are rich, they use money to buy time. Because of the previous "yes" and "no" preferences, they are different in time. Maybe the "no" will be rich, but the time is 5 times longer than the "yes".

Likewise, if the "yes" is only one, maybe he will be rich, but he will be faster than the "yes" of two. But that's a statistical theory. Because I still believe in the last factor. What? Luck. That's what every entrepreneur is not proud of. A fire boat runs because it's the first time it sells a fire boat. If he sells it in 2024, it will be a steamboat. That's not wrong. There's no way there's a fire boat. Electric boats? Why is the sled broken? Why is the electric boat hit by the sea?

That's why it's so hot. So he can be rich because maybe the one who sells coffee at that time was him. Because you are the first, you get the privilege, you are the first to sell. So you have to know, businessmen are very tied to what is called luck. For example, how can it be? Because business is not a matter of capital. It's really a matter of money. If there is a business that is full of money, it's a motivator. It's annoying. Now I explain it. Business is not only a matter of capital. There is something called debt.

We owe to our parents to build a business. You know, our parents' assets are clearly certain. If we build it, it's for certain things.

If you don't have money, you can borrow 2M for debt and you can get money for 2M. 1M for business, 1M for fire. You're stupid. You're paying your debt. You're not getting income, but you're already asking for debt. Be in debt if your business is already certain. Don't be in debt if your business is not certain. That's the key to being in debt. That's the first financial. Be in debt if your business is certain. If it's not certain, don't be in debt.

Learn first. So, if you're fresh with money, you can say, "I want a business!" But you're confused about what business you want. It's your brain business. Your brain is upgraded, bro. Literacy. This is a story from my mentor. I can't mention his name. His networking is expensive. So, I asked him,

"Sir, at your current level, you have wisdom. Wisdom is like a person who is very smart and successful, becomes super rich, so that his words are believed. Because he has a bigger experience than others." "What is your most important investment?" I asked him. His answer was two. Brain and health. Plot twist. "No, how can I? If I have money, I will repair my brain."

Increase my knowledge. If I have money, I will increase my health so that I can live and reduce metabolic diseases because all parents will die. Why should the brain be improved? Because to chase the legacy of the "Gate of Knowledge" with technology and young people. So if you want to be rich, you have to improve your mindset first. And to learn how to improve the brain, you don't have to study. You can do it with soft course. You can listen to useful YouTube and IKRO. Read books.

Read articles, read journals. What's your watch? FB, FB, TikTok, shake, shake. A cat, "Ai ui, ayu!" Sleep until 1 o'clock, draw, "Ai ui, ayu!" Then see the cat, "He he!" Watch cat videos. The ending, watch jokes of your parents. What's the difference between slander and fitness? Slander is to jump, fitness is to gym. 12 o'clock in the evening, watch Begituan. At least if you want to watch Begituan, please, upgrade the book.

The one who said the words that were already there, can go home. Yes, he can go home. Because he's annoyed when I keep asking him. If you ask me, "Dr. Tirta, one word, DASMUDIAR!" I'm tired of asking. This is a coffee, not a Dendos. Do you know how much it costs if I teach you like this? It's cheap, 400.000 IDR. It's my turn. So,

Luck is important. So many people are naive to admit that. Luck, bro. We can be like this because of luck. As if I didn't get a hair transplant, got a hair transplant, got a COVID-19. I think my followers are less than 1 million. At least 600 thousand. Famous for selling and buying compass shoes. The doctor who sells shoes is me. But because I got stressed at that time, the store closed suddenly. Then I was confused about PSBB, got a hair transplant, got a life, while I was in a daze, it went viral. That's luck.

If I did it, I would be a football player. Maybe I would become a coach. My advice to you is always trust the process. Believe that this world is sometimes unfair. If you don't have any privileges, there's nothing to blame. If you are trapped in structural poverty, you always may be a. You can't. And once again, there is no such thing as "from zero" from now on, boss. I don't believe that. All the people I know are usually not from zero. Do you know where they come from?

You know Mr. Gita Wirjawan, right? He said, "Wow, a guy with a lot of privilege, very pureblood, and his whole family is a bunch of doctors like him. You're a great doctor, boss." "What kind of doctor is this family?" "He's really great, boss." "I'm a teacher, sir. I'm a farmer, boss. I'm a lecturer." That's all privilege, because there are lecturers. And we can't be wrong, we're the same. The ending is that we die twice as one, so we're dust and ashes.

In the end, the alphard we collect, if we die, the alphard will be enjoyed by others. So what can we inherit? Only two things. The first is knowledge. The second is children. You can always have children, unless you are enough. And the last one, my message before closing, don't ever be fooled by society.

I might be a bit different from other financial literature, but I suggest that if you can afford to buy a used car, then buy a used car. If you can afford to buy a used car, then buy a used car. Why do you need to buy a used car? Why do you need to buy a used car? Why do you need to buy a used car? My car is used. If the tax is not paid, the depreciation is zero. One of the risks of buying a used car is that the depreciation is zero. Zero, it's not valuable. It's better than nothing.

Instead of being trapped by a small amount of money that I can't fill, trapped by a floating KPR that will cut my expenses. Again, uncertainty. Unless you can make sure that you are a 20-year-old worker and get a pension guarantee. So sometimes, you don't have to hurry. Enjoy it. Death is just one thing. Life is every day. This is what needs to be understood last. Death is just one thing, boss. And we must face death. Life is every morning. So every morning, "Is it true that if you wake up in the morning, you will be rich?" No.

I never became a digital scientist. I always wake up early in the morning. I can't be a Sandiakuno. I've been a Sandiakuno for 30 years. Because it's just a cliche. Waking up early is just to build a habit. So you won't be lazy and lazy. So your brain is fresh. Because hormones are good in the morning.

Can people be rich in the afternoon? Yes, they can. It's a cliche. I've been doing YouTube content since I woke up in the morning. I've been doing it for 14 years, but I'm not rich. I'm stupid. I'm never rich. There's no such thing as waking up in the morning and being rich. There's no such thing. Don't believe what they say. Waking up in the morning is just to build up your habit. Because it's discipline. So from the question of fresh graduates, can you do business? That's the answer.

And if you are confused, I'm sorry, but you won't understand. And being a part-timer, a part-time worker, or whatever you feel now, is sometimes a gift from others. So, in return for our success, there are failures of others. Don't you believe it? Do you have friends? You have friends, right? You have friends, right? You have friends, right? But it turns out that you only have one locker. You have a fight with your friend. It's confusing. In the end, you have to choose between friendship or money. And don't get married in a hurry, bro. If you don't have money.

You are the ones who create other people's poverty. Realistic is important. If you can't bring other people's children to life, don't be lazy. You can't even save yourself? You want to save other people? See you in the next class. And believe me, Liverpool will win the game once again in 30 years. You can be successful in 30 years from now.