Cara Orang Cina Simpan Duit (2024)

Рет қаралды 240,961

Күн бұрын

Simpan duit ikut cara orang cina
#afhamyusof #savings #investing
Chapters:
00:00 Kawan aku Sean
01:38 Kenapa Orang Cina suka Simpan duit
04:43 Rahsia Orang Cina Simpan Duit
06:39 3 Prinsip bila Simpan duit
09:49 Apa aku rasa?
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⚠️ DISCLAIMER: The information and publications are not intended to be and do not constitute financial advice, investment advice, trading advice, or any other advice or recommendation of any sort offered or endorsed to the viewer. I also do not warrant that such information and publications are accurate, up-to-date, or applicable to the circumstances of any particular case. This video is for entertainment purposes only
TAGS: chinese saving money, china simpan duit, orang cina, cara simpan duit, jana duit, chinese malaysian, menabung duit, versa, cash saving, tips menabung, kenapa orang cina kaya, b40, m40, t20, singapore, saving rate singapore, why singaporean rich, singapura kaya, singapore rich

Пікірлер: 861

@afhamyusof 7 ай бұрын

Aku tak makan nasik sebab nak siapkan video ni, sila tekan like dengan ibu jari kaki sahaja! Btw, ni tempat aku simpan duit aku.. Versa: RM10 FREE download.versa.com.my/1bAf/referral?deep_link_value=VERSAAY register dan masukkan atleast RM100 code: VERSAAY

@gritosalerta952 7 ай бұрын

Betul la apa yg gabenor BNM katakan baru2 ni, "Hampir separuh rakyat Malaysia sukar menyediakan RM1,000 bagi tujuan kecemasan dan satu daripada tiga rakyat kita tidak berminat untuk ambil tahu mengenai insurans dan takaful," katanya dalam ucapan perasmian Karnival Celik Kewangan (KCK) Johor, kelmarin."

@AzharYAs17 7 ай бұрын

versa bru 1 bulan join kira ok😁👍

@shahboy6474 7 ай бұрын

Sya harap versa xkan scam penggunanyaa... Syaa daa simpan duit dlm tu melebihi rm50k... Mengharap promosi 12% bln 12 ni.. seram sejuk mat... Harap2 dipermudahkan...

@AzharYAs17 7 ай бұрын

@@shahboy6474 sy fkr versa bukan scammer pengurusannya mcm pro " bole dpercayai" returns pn tdklh "gila2" ... stiap minggu ada report invest syarikt...nk dpt pulangan lebih ken tunggu promosi..setakat ini aku invest lebh 1k

@yeohleemoi4881 6 ай бұрын

Pandai simpan duit, kena makan babi kerana ada Peggy bank

@Franco-oj6bb 6 ай бұрын

Aku Cina. 50% dari gaji bayar kereta. Lepas habis bayar kereta, 50% gaji bayar rumah pula. Tak banyak balance wang untuk perbelanjaan selepas tolak bayaran insurans dan medical card. Balance 5% gitu saja untuk simpanan. Ni masa employment. Tapi sekarang saya buat business sendiri, dapatlah simpan banyak sikit berbanding dulu. Kalau nak cepat kaya, buatlah biz sendiri tak kiralah buat apa biz pun. Jual karipap tepi jalan pun lagi kaya dari engineer. Jual karipap tepi jalan tak lapur income tax...engineer kat kilang kena pay income tax. 😂

@qimi2805 6 ай бұрын

Yg ni bijak👍🏻 income tax main peranan😅 hahhaa

@akuabgzacksipaloi9687 6 ай бұрын

Ni mesti kerja Engineer 😅

@loveofchiaki 6 ай бұрын

why is your loan taking up 50% of your income? that's too much though?

@Franco-oj6bb 6 ай бұрын

@@loveofchiaki Coz I just graduated for 2 years...I bought house already. My house valued at RM200K plus, and I need to pay RM1K plus for my house loan and my salary only RM2K plus. 🤣

@jojo-cx4cn 5 ай бұрын

Cina malaysia semua kaya..btul tak.

@mhwong297 6 ай бұрын

Jangan marah saya kalau terlalu terus terang😅 Saya perasan Malay kalau ada duit berlebihan, mrk suka berbelanja pd barang mewah, makan mewah, kereta mahal dll. Tapi pd saya, kalau saya ada byk2 duit pun, saya tetap beli kereta paling murah, makan sederhana tapi bernutrien, baju beli 2,3 helai je setahun, brand Uniqlo, Muji, baju berkualiti, boleh tahan lama & tidak cepat ketinggalan zaman😅. Saya akan paksa sendiri utk saving 30% atau lebih drpd gaji setiap bulan. Saving tu utk digunakan apbl perlu beli brg yg mahal, ataupun emergency, ataupun apbl hilang kerja dll, kita perlu bawa payung sblm hujan. Ingat, brg yg bukan dlm kemampuan kita, jangan beli. Brg tu boleh beli, tapi mesti perlu ada saving yg tinggi. Kita hidup bukan nak showoff, tapi sendiri hidup senang tu yg lebih penting. Lagi satu, org Cina kalau takde saving yg tinggi, akan rasa sgt tak selamat.

@moonbulan6188 5 ай бұрын

Kalau mcm tu nampak nya org melayu lah yg menggerakkan ekonomi malaysia

@JuniorTan-nf1dx 4 ай бұрын

@@moonbulan6188Kalau mcm tu teruskanlah usaha untuk tak simpan duit dekat bank

@entuah3002 4 ай бұрын

Yg sy tgk org Cina yg suka bermewah.

@rosdahrosli8793 4 ай бұрын

Terima kasih kejujurannya😂. Saya org Melayu. Saya paling tidak suka membazir duit untuk barang yg tidak perlu. Plus saya x suka beli barang apapun just to showoff to others. It doesn't matter to me, it will never gives me any benefits pun if I live my life just to showoff saja.. Some of my friends suka sngat mau showing off itu ini😓 & pushing me to do the same. Saya tidak suka show off apa yg saya ada & saya sngat setuju part rasa x selamat bila xda saving yg tinggi. Itu memang sngat2 betul, apa lagi if you're alone in your life without anyone to lean on. Susah wohhh, if anything happens to me, who's gonna give a fu** kan😂.. but some people suka membazir even duit xlah bnyak sngatkan.. maybe they love what they do & feeling some fulfillments when showing off their lifestyle yg "kaya" tu.. up to them lah, I have my principles in my life, I'mma gonna stick with it. ❤ saving up without showing off.

@thomasho9637 4 ай бұрын

@@rosdahrosli8793 Be thrifty. Spend only on essential needs etc children education, house and car but buy within your budget and buying only when saving enough and never show off. In case of emergency or business opportunities, savings can help. Sometimes opportunity knocks once eg cheap land or house for sale then grab them for investment. But this needs more capital. Otherwise got stuck or unless using lands to build farms to generate more profit.

@MrLittlecat123 5 ай бұрын

Saya cina, saya guna technic "delay enjoyment". Kalau kwn atau relatives beli kereta. Kitak tungu selepas 2 years baru beli. Dengan harga yang sama, kitak akan dapat lebih dengan harga yang sama. Selagi harga barang kurang dari harga kereta, jangan hutang kalau boleh. Simpan duit kat FD atau money market fund kalau boleh. Untuk bumi putera ASNB je.

@momoycheng7468 5 ай бұрын

thx u boss

@Sri_Ayang 4 ай бұрын

Rupanya sy pun ikut cara membeli org cina. Sbb sy pun xsuka beli brg2 baru. Sbb tahu akan jadi mahal. Saya akan tggu 2,3 yrs utk beli sesuatu benda tu.

@shutengloke5907 6 ай бұрын

Di bawah diantara prinsip kenapa orang Cina suka/pandai/mementingkan simpan wang 1. Orang Cina suka beli asset dan bukan benda yg nilainya akan turun selepas dibeli. Oleh kerana itu, orang Cina lebih suka beli property/saham/biz/etc daripada beli emas. 2. Orang Cina dahulu memang ada sampai 9-10 anak sebab pada masa itu, anak adalah asset. Tetapi sekarang banyak lagi asset yg memberi pulangan yg lebih daripada anak. Oleh sebab itu, bilangan anak dalam keluarga Cina semakin berkurangan. 3. Orang Cina tak suka ambik loan untuk beli barang yg nilainya merosot seperti kereta. Bayangkan lah, dah lah nilai merosot, tambah dengan interest pulak? Memang satu financial decision yg tak pintar. 4. Orang Cina akan beli apa saja yg diperlukan (needs) tapi jarang beli barang yg dihendaki (want). 5. Orang Cina pentingkan education. Education ialah satu jenis pelaburan (invest in yourself)

@cpteoh5001 6 ай бұрын

Chinese youngster now especially those famous youtuber have different mindset now. Most of them like to show-off, spend future money as well because they are now easily generate income from a lot of sources

@selasihmkh9917 6 ай бұрын

Lagi satu orang cina tak suka perabih duit Di kedai accessories kereta..kita tngk kebanyakkan pelanggan kedai accessories kereta banyak ornag Melayu

@jedijadian4160 6 ай бұрын

Orang Cina sungguh2 kejar duit sebab dari lahir sampai mati perlukan duit banyak. Cth. Orang Melayu lps bersalin duduk kt rumah mak sendiri atau mertua, orang Cina upah org jaga khas paling2 2k x lari. Kenduri kahwin mana ada pasang khemah depan rumah, biasa buat kt restoran Cina atau hotel, 30K x lari. Kalau ada yang meninggal, urusan pengkebumian sangat tinggi, tanah kena beli, tadak wakaf yer, 2-5 hari jenazah diletakkan sblm pembakaran atau tanam juga costing. Angpau utk CNY pun mana ada ltk RM5 ke bawah......budget ni utk orang Cina yg kerja level2 Manager, yg lebih berpengaruh rasa yer lebih besar. Saya suka motto kwn Cina, kerja kuat makan sedap.....

@shutengloke5907 6 ай бұрын

@@jedijadian4160, that's true for the rich Chinese. And it is also true for those who are rich regardless of races. But how about the poor Chinese? How can they afford all those that you listed above?

@adiwira1351 6 ай бұрын

@@selasihmkh9917 nampak ramai melayu sbb malaysia majoriti melayu.. cuba pergi bangladesh.. majoriti bangsa bangla la yg ada kedai make up kereta.. aduii..

@glhopewd1423 6 ай бұрын

Finally people who are willing to learn from others. It gets quite frustrating seeing groups of ppl who blames the chinese for being the richer ones in malaysia as if we are robbing the malays off their wealth and opportunities. But hardly anyone tries to understand why chinese are richer like the points on this video. Chinese work hard, save hard, invest hard. Also the emphasis on education too is another reason. Better education means better opportunity to get better jobs with higher pay. Its how children are taught from young. Having your own business, becoming a tauke is also something of a status for chinese..so many pursue it. For any typical chinese, one thing is always on their mind 'how do i make more money?' 'How do i save more money?'

@loveofchiaki 6 ай бұрын

spending within your means is so true also. i see people with rm3000 salary buying fossil watch Swarovski apa lah lol, some people live in a small terrace house but spend all their money on useless renovation and decoration etc. all show no substance

@ladysiti2 5 ай бұрын

Tak jugak lah..Saya org melayu Singapore.Setiap dpt gaji saya pastikan simpan $$$$ half of my salary ke acc ke 3 anak saya.Itu saya lakukkan semenjak umur mereka 1thn.Saya lakukkan setiap bulan.Saya hanya keluarkan zakat setiap tahun.Alhamdulillah dgn $$$tu dpt menampung mereka belajar hingga university, dan dgn duit tu juga time masing2 berumah tangga mereka ada $$$yg saya saving.Dan bila kuta dah simpan anggap duit2 tu tak nampak.Skrg anak2 saya melakukan perkara yg sama.Dan Skrg anak2 saya pulak yg beri saya $$$.Tapi saya simpan jugak tak selalu di gunakkan..Bila kita ada habit menabung akan menjadi satu kebiasaan.Cuba lah.Umur saya dah 71thn.Saya masih mampu menaikki 160 anak tangga tanpa masaalah dan selalu membuat stratching dan brisk walk.

@norelabuang2940 5 ай бұрын

saya pun serupa mcm awak

@azwasaaidns3936 5 ай бұрын

Betul

@srekashraff 5 ай бұрын

Betul. Amalan menabung dari kecil harus diterapkan. Dan jgn mudah tamak dan percayakan scammers.

@brandenalexander6038 4 ай бұрын

sg tak sama malaysia 😢

@motivatemysoul1928 4 ай бұрын

Well done Unty. Admire you

@missyollaharon6913 6 ай бұрын

Dorang ni simple gile idop..xde beg2 branded xde jgk brg kemas emas bgram2..dorang sgt2 brjimat..umah dorang simple..xde perabot2 mewah.. Dorang simpanan utk ari tua dan hari mati mereka..mereka mati pun paling2 miskin pun kena 60k..perbetolkan klu salah fakta

@kimsoon80 5 ай бұрын

Pada pendapat saya, Cina di Malaysia memang kena simpan lebih sebab bantuan daripada kerajaan kurang. Kena simpan utk beli rumah sebab tak ada diskaun lot bumi.. Kena simpan utk pendidikan anak anak sebab peluang masuk uni local kurang.. Dua dua subjek ni dah perlu ratusan ribu ringgit.. Nak tak nak, sebab tu Cina kena simpan lebih.

@raredour 3 ай бұрын

sama ja bantuan semua kaum dapat

@KuronoKei-jv2zi 3 ай бұрын

@@raredourkepala butuh kau. Pukimak tak malu ke kau tipu ?

@123okayla 3 ай бұрын

Umah bumiputera btoi dpt 10%dis tp org cine tak perlu diskaun tu sbb otomatik developer dah bagi diskaun bahkan lbh murah dari diskaun yg org melayu dpt ..segala fee kena baya tp chine smuenye free...

@kimsoon80 3 ай бұрын

@@123okayla Option ni, kalau ummah nak, mereka pun boleh dapat.. bukan hanya cina india saja yg dapat. Jadi, situasi yg di kemukakan tu, semua pun boleh menikmatinya.. ia tidak dikira sebagai bantuan.

@Faez4664 6 ай бұрын

Apek mualaf ajar saya, kami sama-sama niaga dia kata jgn selalu makan kat luar kalau boleh masak dirumah jimat jadi ada untung lebih simpan

@allifmohamed3121 6 ай бұрын

Good for them.tapi ada satu yang mungkin kau terlepas pandang.Gaji chinese jauh berbeza dgn malay wlwpun masih junior.Ada sorg chinese tempat aku keje tu umur 23, masuk kerja gaji dah 6k.Tak jealous, tapi memang ni realiti kebanyakkan syarikat di malaysia.Its open secret.

@HambaAllah-sm8bx 6 ай бұрын

Setuju, tak dinafikan gaji mereka lebih tinggi tapi kesilapan orang kita pula, biar papa asal bergaya. Baru kerja, dah pakai kereta yang di atas kemampuan, tapi simpanan takde langsung 😢

@allifmohamed3121 6 ай бұрын

@@HambaAllah-sm8bx betul tuan, org kita pun ada kesilapannya juga, tapi untuk mengatakan kenapa kebanyakkan chinese mampu menyimpan jumlah yg banyak, gaji mereka adalah jawapannya.kalau nak compare capital simpanan melayu yg berjimat vs chinese yg berjimat, tetap takkan sama.

@pejuangtrader83 6 ай бұрын

Chinese di msia pun simpan dlm 30-40% juga. Chinese selalu fikir masa depan. Mmg betul chinese generally bergaji tinggi. Tapi ada saja chinese yg bergaji rendah. Tapi yg bergaji rendah pun ada tabiat menyimpan. Jadi this goes back to tabiat, bukan sebab gaji besar atau kecil.

@hatiemas3241 6 ай бұрын

Such a Big Gap

@salehinks9946 6 ай бұрын

Setuju bro. Rasa ikut juga je kbykkan cara ni. Tp jumlah gaji x cukup nk tampung keperluan asas. Mcmana nk lebihkan simpanan.

@SNOWOO 7 ай бұрын

As half Chinese, I can say it is pretty true. Most Chinese ethnic di South East Asia (Mostly Malaysia and Singapore) adalah datang orang miskin. Mereka bila sampai Malaysia kerja kuli British ada 1 matlamat iaitu "I dont want my future son/daughter to live like me, let my generation be the sacrifice". Itu sebabnya mereka kumpul duit so anak cucu dia tak susah. So bila semua ada 1 matlamat, mereka kena bekerjasama sesama sendiri pada mulanya in order to survive, bila dah ada duit "establish connection dan create harmony between families". Tu sebabnya nak kerja kena beri keutamaan kepada families Pendek kata, kita ini macam Godfathers without the jenayah part.

@afhamyusof 7 ай бұрын

Yeah ramai immigrant dulu ada scarcity mindset, sebab tu dorang very frugal.. sifat dorang la most chinese families skrg ada family business and dia membawa generational wealth

@theworld7073 6 ай бұрын

Betul. Memang fakta.

@fiqfiq2388 6 ай бұрын

bullshit datang dari org miskin, waktu zaman british lagi cina dah dapat kekayaan hasil pemberian penjajah sbb penjajah sayang org cina. datang dari keluarga miskin??? lol lawak antarabangsa. tujuh keturunan pon tak abis makan dari zaman british dlu. tanye tokey2 yg hidup zaman british. anak dia sampai skarang masih kenyang dengan harta nenek moyang korang.

@ymc86 6 ай бұрын

Tepat

@syauqirsi8031 5 ай бұрын

@@afhamyusof technically sunnatullah YES. Hakikatnya Allah itu maha adil, kaya dunia kaya akhirat kaya rahmat kaya ujian dtg drpd....

@Praetorian157A 6 ай бұрын

Aku bermula kerja sebagai aprentis di kilang besi dgn SPM kelas3. Masuk kerja pertama hari dgn RM75 dlm pocet utk 3 minggu sblum dpt gaji pertama. Hari2 makan nasi putih dgn curry kadang2 hanya roti dgn air. Kita mesti berdikari dan rajin kerja dgn pikiran yg positif dan mau menaikkan skillset kita berterusan. Saya baru bersara selama bekerja 40thn dgn posisi snr pengurus. Dari muda satu2nya prinsip adalah mau rajin, think positif, utamakan kenaikkan skillset, berjimat, simpan uang di bank(walaupun sedikit, pun boleh utk belajar berdisiplin) dan beli insuran buat diri sendiri (secepat boleh) dan insuran buat keluarga di masa depan. 👋

@peter_mitch1880 7 ай бұрын

Hi ,I'm from Singapore and I'm glad to have found a Malay youtuber like yourself who is passionate about savings and investments.Sadly many Singaporean/Malaysian Malays don't care or refuse to save or invest . This saddens me alot and seeing our Malay people are getting poorer and lagging behind Indians and Chinese. Malay always have this attitude " Duet bukan boleh dibawa mati" as an excuse not to prosper . In fact Islam doesn't discourage us to gain wealth . They sort of putting the "blame" on Islam instead for not doing financially well . Infact I avoided mingling with Malay community as I cannot stand listening to them bragging about Europe trip whereas they are still in debt or living pay - check to pay check.

@afhamyusof 7 ай бұрын

The lack of financial awareness amongst malays are really astounding at this point. It's like they have a collective mind not to save or learn about investing and rather get scammed to make a quick buck. .at one point i had considered changing my video language to english just to appease to more non malay viewers. At least that what i felt.. but , my view changed after i saw financial faiz and his viewer base..It seems that young Malay folks rn are more eager to learn about finance. I hope this trend continues tho. Not just in malaysia but also in singapore..

@kimikun83 6 ай бұрын

one to ten ratio i think eqauvalent to hidup sederhana... not mean live poor but dont overbudget urself which i think everyone say but no no follow

@easter8874 6 ай бұрын

I think nowdays malay like to invest and keep saving money. Dont generalized, me myself also keep money for the future.

@jameslim3850 6 ай бұрын

Malays are actually similar to Western people, Latin American and Black people values who love to spend more because of quality lifestyle unlike Oriental people who are more extreme on saving and investing. But like i say we are generalizing because as individuals there are also savers and spenders in every race including in Singapore . there are also Chinese who are in debt or financially in trouble and even Malays who are savvy and long term business mindset due to what values they learn as they grow up.

@ismailmohdyusof3401 5 ай бұрын

I couldn't agree more 👌

@rusdirasyidan6715 6 ай бұрын

Cara menyimpan ala saya adalah 1. Pasang niat utk konsisten dlm menyimpan. by hook or by crook 2. Jangan suka berhutang 3. Beri wang bulan pd ibubapa walaupun sedikit 4. Bersedekah setiap bulan sekurang2nya rm2@rm5; yg penting rutin 5. Berhenti merokok yg sedang merokok 6. Jangan berjinak2 dengan rokok. Akibatnya ketagihan 7. Pasang target jumlah simpan sebagai harga minimum, kalau nk simpan lebih that's even better Inshaa Alkah usaha yg gigih akan berbuahkan hasil...

@szestheday 5 ай бұрын

Bernas content Afham! Saya cina - tapi I really struggled with personal finance for the first 3 years as a fresh grad. It's not that parents tak ajar. Caved in to too much temptation in KL living a life my gaji 2500 yang tak boleh tampung. Another big mistake I made was - that investing was not in my vocab until I am in my 30's Resisting temptation is the key to personal finance. Investing helps grow savings and it's really something young adults don't get exposed to early on enough. What you're doing here on youtube is gonna help alot of people.

@norainaemran4035 5 ай бұрын

Setuju sangat apa yg adik cakap ni. Culture & habit. Tak salah pun ambik contoh yg baik dari bangsa lain. Sebenarnya dalam Islam pun dh ada konsep Zuhud dan elakkan pembaziran. Dan juga sebagai org Islam boleh tambah sikit konsep Barakah. Ini termasuk lah punca rezeki kena halal dan bukan Haram atau Syubhah. Dan Jangan Lupa bersedekah/Infaq yang juga akan menambahkan lagi rezeki. Akak share dgn anak2 ye.

@Apak_kau 3 ай бұрын

Amalkan sedekah..ikhlas..alhamdulillah allah bagi rezeki lebih...jgn berkira..niat nak bagi sesuatu benda tu jgn pikir ahh aku sedekah ni aku nak rezeki lebih...jgn pikir mcm tu..bagi aku la niat aku untuk tgk org tu nampak ceria dan gembira..itu je tujuan aku klau nak bersedekah...hati kita pun tenang je...

@weizhenooi 6 ай бұрын

Good content bro. As a Malaysian chinese myself, I started my saving habit with a simple rule - Save first, spend later. For example, every time when you get salary let's say rm5000. You transfer a certain amount like rm1.5 - 2k (amount determined on your own capability) to another saving account that is never touched unless of emergency, then only start spending the rest of the money. If there are leftovers at the end of the month after you spent for everything else, it will be an amount of savings as well, giving you an extra amount of savings. Just my two cents on saving money. Hope this method can help anyone who struggles to save money at the end of every month as well. Have a good year ahead everyone :)

@raymingng9610 Ай бұрын

Yes .. this is wat my parent taught me since young... save first then onli spend

@faizahnoor7265 6 ай бұрын

Bagi saya hutang mesti dielakkan jika boleh. Bersederhana dlm semua perkara. Belanja ikut kemampuan. Simpan. Sedekah walaupun hanya RM1. Keberkatan tu penting. Seiring dgn usaha.

@norainibintimohdnor.cahaya7948 5 ай бұрын

Iye... ini cara islam kita.. keberkatan tue yang kami nk... insyaAllah nanti aturkan semuanya indah hingga ke anak² kita.. 🤲🤲🤲🤲🤲🤲

@tanjunyi9604 Ай бұрын

tapi macam ni tak dapat invest, kita cina invest dalam property dengan hutang, lepas tu sewa kepada orang lain, income sewa tu pun kadang2 lebih atau sikit daripada ansuran bulanan, maksudnya golongan yang sewa to yang bayar hutang kita, akhirnya kita yang dapat rumah tu, masa nak jual pun sudah untung banyak

@happyman5476 6 ай бұрын

Prinsip kewangan orang Cina (general / bukan semua): (1) save money and invest; (2) buy a house; (3) get married, have kids only when financially stable.

@Victor_YNWA 7 ай бұрын

Senang je.. Akhir bulan dpt gaji, bayar hutang dulu and allocate certain % for saving. And always, always, always spend below your means... Stick to these mindset, any race also can be successful.

@afhamyusof 7 ай бұрын

You said it bro, its just the mindset

@syayusuff9830 6 ай бұрын

Salam bro..saya Melayu..every month saya pastikan save at least 55% dari gaji. baki duit yg ada...kna betul2 disiplin lh..spend secara berhemah. saya abaikan org sekitar yg kata saya berkira dan kedekut. Hasilnya, saya berjaya beli rumah dan dah habis bayar sebuah SUV jenama luar negara. Tak pelik pon..ramai je anak melayu yg mcm saya, cuma tak kepoh bising2 je. BTW .gaji saya tak tingginpon.bawah 5k

@faizahnoor7265 6 ай бұрын

Bukan nak bising2 tapi nak encourage orang lain buat yg sama.

@afhamyusof 6 ай бұрын

Saya pun melayu

@syayusuff9830 6 ай бұрын

bagus tu encourage,tp jgn sampai merendhkan bangsa seniri, agungkan bangsa lain.

@sutraadi6278 6 ай бұрын

Saya setuju reality masih byk lg org melayu yg X sedar..

@colinc52 6 ай бұрын

Bagus 👍🏻 you cuba buat apa yang paling best, bukan seperti comment2 lain di atas, bagi alasan kata org cina gaji lebih tinggi 🙄 finger pointing is easy than self reflect. All the best brother 🙏🏼

@seedrawexcom7512 3 ай бұрын

Kenapa Orang Cina suka simpan duit? Budaya ini berkait rapat dgn kawasan kehidupan nenek moyang di tanah besar Cina. Di situ ada empat musim, Musim bunga kita tanam, musim Sejuk kita simpan hasil tanaman. Kalau kamu pernah pergi ke negara Eropah atau China waktu musim sejuk baru kamu boleh rasa betapa susah nak hidup dalam keadaan tersebut suhu dekat dengan 0 darjah celcius, semua orang kena pakai baju yang tebar untuk tahan sejuk, itu pun sekarang. Kalau pada zaman dahulu keadaan lagi susah, 3 bulan (musim sejuk) tanaman tak boleh hidup, binatang pun hibernate atau keadaannya susah untuk memburu. Jadi 'saving' tu penting sebelum musim sejuk. Kalau kita balik ke Malaysia atau Asia Tenggara, di sini dua musim saja, Musim kemarau atau Musim hujan, suhu paling rendah pun diantara 22 hingga 25, itu pun waktu pagi saja boleh dapat. Hasil tanaman boleh dapat sepanjang tahun sebab suhu sepanjang tahun lebih kurang sama, itu sebab orang Asia Tenggara, tak kira Melayu, Thai, Vietnam, Filipino, orang yang hidup dirantau ni lebih kurang saja budaya dia, kais pagi makan pagi kais petang makan petang, buat apa nak saving? Sebab makanan tu sepanjang tahun ada, boleh tanam padi, boleh memancing boleh kutip buah dan sebagainya. Bila nenek moyang kita datang ke Tanah Melayu, budaya kita bukan lebih "Advance" daripada Saudara Melayu, tetapi ia lebih menyesuaikan kita untuk survive disini.

@zulkurnainjamain6598 5 ай бұрын

Nak tambah sikit bg..org chinese biasa akan buat kerja lebih untuk tambah income walaupun dah jadi taukey tapi tetap kerja juga..manager tempat saya kerja dia pun jual biskut pergi opis.kita sebagai staff kadang2 beli dgn manager juga tau😂😂.ada satu kawan dia jual tembikai dekat pasar,sebelum dia balik dia akan cari sayur dan ikan yang dia boleh jual di kawasan rumah dia atau kedai supaya balik tidak tangan kosong..boleh kata mcm ni,kalau gaji tak cukup mcm mana nak simpan..tp dalam tak cukup tu berbelanja kena sukat baju di badan sendiri..30persen gaji perlu saving lah untuk duit hujan.

@noriadongeng1811 6 ай бұрын

Kalau ada duit extra, beli tanah. Yg dah ada tanah pusaka lagi untung. Usahakan. Jgn jual. Yg penting rajin usahakan tanah tu. Bidang pertanian is so underrated in Malaysia.

@mrmunzir9977 Ай бұрын

awk buat ke?

@mixpodcast8734 6 ай бұрын

Bila kau explain smua ne, aku rasa ter sindir pula. Serious, smua ne ada dalam diri. Mudah mudahan kaya nnt tak berat tangan utk bersedekah

@afhamyusof 6 ай бұрын

Ade la kadang kadang beli kerepek yang makcik jual dkt tepi bangunan maybank. sekadar menolong

@DuplantisTerpelanting 5 ай бұрын

Kerja Security Guard je. Setakat ni bolehlah dapat simpan RM 1000 setiap bulan. Setakat nilah. Tak taulah berapa lama boleh tahan keje 12 jam dgn dapat simpan seribu sebulan ni. Mcm2 xciden boleh jadi. Dah kerja baru 15 bulan. Sewa rumah RM 600, makan minum lebih RM 800 kot. Tak kahwin. Kahwin? In this economy? Sigh.

@CalvynLee 6 ай бұрын

Gong xi fa cai... banyak orang tak kira bangsa, hari gaji mesti pergi restaurant/shopping... my secret is avoid all this, lepas pay all the bills, balance tu go to saving/investment directly. Don't leave your self extra pocket money.

@ninazara_7718 6 ай бұрын

betul hari gaji je nk mkn sedap..tp bgsnya you, berjaya melawan kehendak hati..

@CalvynLee 6 ай бұрын

@@ninazara_7718 😅 sebab i rasa makanan masuk dari atas, keluar di bawah... mahal atau murah pun sama. Tapi bukan semua orang mempunyai pemikiran sedemikian

@momoycheng7468 5 ай бұрын

ya setuju bos

@rosdahrosli8793 4 ай бұрын

@@CalvynLeesaya Malay, nampaknya pemikiran kita sama ya part ini😂 sngat2 betul. Saya pun sama, gaji masuk, bayar all necessary bills, lebihan semua masuk saving. Tinggalkan RM50 untuk pocket money just in case it needed, cth kena bayar fuel, beli ice cream @ even untuk bayar public toilets 😂. If RM50 tu ada baki, boleh bawak pegi bulan depan.

@breathininluxembourg 6 ай бұрын

I bersyukur that when i just started kerja 10 years ago, my Chinese colleague ajar I simpan & invest duit. Bila earn RM2k+, I simpan at least RM1k. Hidup bersederhana je. Time I jobless for few months tak da kerja, I tak hidup susah.

@RosiphenToyak 6 ай бұрын

Betul berjimat sebelum ada musibah

@fiqfiq2388 6 ай бұрын

x de komitmen mak pak bayar bil senang sembang dapat simpan 1k. camne plak ko bayar rumah sewa atau kalau installment rumah kalau beli? bayar bil letrik dah brape, bayar bil air, takkan ko jalan kaki g keje. transport pon kos jugak. duit tuk servis kereta pon kena kumpul setiap bulan, duit topup, duit makan. sembang kari bolehlah...

@breathininluxembourg 6 ай бұрын

@@fiqfiq2388 i have to admit. dulu2 tak macam sekarang. sekarang banyak cabaran unfortunately - semua mahal2, tol mahal, parking mahal, phone mahal, makanan mahal, hobi mahal + now korang banyak peer pressure because of social media :( dulu I sewa bilik kecik yang gelap or stay ramai2 in 1 flat, yeeee memang jalan kaki sebanyak boleh, mobile phone pun beli lambat, hobi pun yang free2 macam jogging, and makan roti, telur and maggi. I memang loser la back then. Now barang semua dah mahal, telur pun mahal. Let's just try to do our best k everyone. but i nasihatkan adik2, if mampu and boleh, try to save & invest, live a simple life. compounding interests really work.

@loveofchiaki 6 ай бұрын

@@fiqfiq2388 janganlah beli rumah kalau tidak mampu, rumah tu liabiliti. kalau installment rumah akan menjadi satu burden, memang tak sepatutnya beli. sewa dulu. guna duit untuk invest dapatkan passive income. ramai orang beli je rumah dan kereta tapi tak fikir kos maintenance dalam masa panjang. pening aku tengok orang tanya kat facebook gaji RM3000 boleh ke tak beli proton x50 (rm80k-100k) aduihh

@starvader6604 5 ай бұрын

@@fiqfiq2388 dh dia pon kata RM2k+ so x mustahil dia earn dlm RM10k sbb klau RM5k pon susah nk simpan byk tu dgn standard komitmen

@ishakosman9254 6 ай бұрын

hidup sederhana penting dlm islam.. hidup dlm dunia sbg ujian utk bekalan dialam akhirat yg abadi.. kembangkan zuriat dan ramaikan umat baginda saw.. stiap anak ada rezekinya.. bila meninggal sekupang pun tk bawa ke dlm kubur... cukuplah dgn amalan mengikut alquran dan hadis dan mengharapkan doa anak yg soleh.... sbb itu bnyak beza kita dgn bangsa lain yg bukan beragama islam

@Akmal07116 6 ай бұрын

Mcm ni lah kita ambik yg baik dari apa yg Chinese lakukan kita just follow the good things and ignore the bad things

@rnxzem2795 6 ай бұрын

@@Akmal07116benar, saya pun setuju. Tak salah kaya dalam Islam bahkan tokoh zaman Rasulullah juga ada yang kaya so that mean, simpan duit pun salah satu Ilmu juga. Memang betullah, jangan pandang agama atau kaum seseorang kalau mahu belajar.

@Akmal07116 6 ай бұрын

@@rnxzem2795 menabung amalan mulia, simpan sikit lama lama jadi bukit jadi ada maknanya yg tersendiri kalau mahu jadi kaya

@ThePro-ce1rs 4 ай бұрын

@@Akmal07116Dalam Golongan Islam , lebih ramai kaya dan berjaya dari golongan cina yang kedekut.

@Abdul-Amburadul 4 ай бұрын

Umat melayu bukan umat arab😅

@BuayaJess 6 ай бұрын

Thx for sharing! Actually I did save up 50% the moment I started working. I don’t drink Starbucks, I don’t really buy popcorns when I watch movies, I take note of every cent I spent and control the monthly cash flow (example: if I’ve spent on facial treatment this month, maybe I’ll do massage next month), and if I’ve save up more than 50%.. extra money I go budget traveling. I also don’t buy anything I don’t need. Now the least place I wanna go is shopping mall. Maybe only for grocery. Hehe

@shannenss 5 ай бұрын

And for aircond and window shopping and read book for free lol sometimes.

@rintsukishima0622 6 ай бұрын

Betul sangat ni.. sy sebelum ni memang x pernah kerje dgn chinese tapi lepas pkp ada la offer kerja dgn supervisor dan majikan berbangsa Cina, kadang-kadang kagum juga tau dgn cara diorang spend duit dan simpan duit dlm masa yg sama ... Mcm supervisor saya kan dia bgtau saya bila dia keluarkan duit utk beli sesuatu, pastikan kualiti lebih dari kuantiti ... Biar mahal janji berbaloi daripada murah tapi kena keluar duit tiap-tiap hari...😂

@afhamyusof 6 ай бұрын

beza kan cara dorang? benda baik kita boleh tiru hehe

@adiwira1351 6 ай бұрын

Kata cina suka berjimat.. dan tak beli brg berjenama.. tapi kalu barang berkualiti tu bukan ke harga lebih mahal .. duit makin bocor

@user-kl7rh7lg4x 6 ай бұрын

Southeast Asian Chinese are skilled at saving money because our ancestors used to stash away their earnings with the intention of sending it back to China to support their families. That was the driving force behind it. Wishing prosperity is essentially a hope for everyone to prosper financially. Chinese folks typically opt for fewer gold necklaces, leaning more towards investing in gold bars or bricks, and some even venture into running gold shops or engaging in gold mining. 😊

@_Great_Invocation 6 ай бұрын

It differs from one person to another. Like myself, every month I spend 2K of my salary for my parents health (medical card) and wellbeing (monthly expenses). That itself almost 40% of my salary. I guess situation matters when it comes to savings. But as you've mentioned. Its good to have a plan.

@Yimagination 6 ай бұрын

Current allocation, 20-30% saving, 30-50% investment (bond, stock, mmf), 40-50% expenses

@Takagi2506 6 ай бұрын

Baguslah orang china ada budaya simpan duit..untuk orang melayu islam mungkin ada ujian dari tuhan..dunia ini mungkin ibarat penjara, tidak bebas.Rezeki setiap orang tak same. Tapi aku suka konten kau. Kau mengajarkan orang untuk menyimpan dan tidak boros.. bagus untuk mengatur tahap pebelanjaan.

@afhamyusof 6 ай бұрын

Kadang kita ni ghisau dekat masa depan orang melayu, tu ja

@user-cu9fc8oj8c 6 ай бұрын

Nak tanya klau buat simpanan emas dlm bank bagus ke atau trading? itu jew @@afhamyusof

@LoveMalaysia88 6 ай бұрын

tiap pagi focus 2 benda 1. Meningkatkan income 2. Mengurangkan perbelanjaan Fikiran, kerja, jumpa siapapun, cakap apapun... Focus 2 benda ni, pasti akan nampak kemajuan.

@NplusO88 6 ай бұрын

All these chinese habits are second nature to us. Because we learnt it since young. So its easier to implement throughout our lives. For other races, they just need to change mindset. It is that simple

@alexlau2312 6 ай бұрын

Terima Kasih menghuraikan tabiat yg bagus, semoga bermanfaat kepada semua yang menonton. Cara min cakap pun jelas dan senang difahami.

@muhammadnabil-wg7fy 5 ай бұрын

content macam ni lah bagus..keep it up bro!

@ImranWafi 7 ай бұрын

knowlegde baru ni👍🏻 tips last sekali tu betul sangat

@travellervideos2024 4 ай бұрын

Sebenarnya ramai org Cina beli barang kemas especially gold bar mcm emas sebab emas boleh dipajak, dilabur, disimpan dlm bank dan dijual dengan harga tinggi...pulangan tinggi

@ZainalYoutuber 6 ай бұрын

Ukur baju badan sendiri sbb, jgn suka berhutang aku simpan sebulan 1000 gaji 2000 setelah setahun aku cuba simpan jadi semangat 1000x12 12000 lepas tu jadi minat nak bawa grab part time tambah simpanan semua bermula dgn disiplin, sabar, masak pun sendiri jimat

@barbiegirlsmy 5 ай бұрын

Alhamdulillah. my parents talk about family financial situations and practice openly even since we were small, walau kecil2 tak faham pun pasal duit ni lagi. and when we start earning our own money, savings and investing is a must already. please parents, break the generation cycles, educate yrself then educate yr kids.

@qoiyum1990 5 ай бұрын

saya melayu tapi pernah berjaya simpan 80k dalam masa 3 tahun dengan gaji 3k lebih dan sedikit perniagaan kecil tapi sekaraang tinggal 20 k sbb cuba realisasikaan impian buat rumah tanpa hutang.

@MrAzrai99 5 ай бұрын

rumah awak 60k ke

@chengpittkong9894 4 ай бұрын

U otak serupa Cina,bagus

@Sri_Ayang 4 ай бұрын

Wah tahniah..

@haziqkamaruddin1631 Ай бұрын

tahniah boss

@mrmunzir9977 Ай бұрын

sbulan simpan bape tu

@aminsusana9511 6 ай бұрын

Aku cina indonesia dan benar apa yg dibahas di sini, sejak kecil sudah diajarkan untuk simpan uang menabung , tidak boros, dan salary jika memang bisa hanya pakai 50 persen sahaja

@florencetan6966 5 ай бұрын

Yahoo. Very, very useful idea. Berbaloi mengikutinya.

@Phinoex 5 ай бұрын

Salam. Saya Cina, kami Cina beli barang kemas jugak. Tapi, kami beli bukan untuk pakai tapi buatla macam investment. Ramai kawan saya yang Cina masih beli emas untuk simpan. Mungkin kedai tiktoker tu tak banyak customer Cina je. 😂😂😂 From what I learnt since young, bila dapat salary, first thing first, simpan minimum 10 - 15% salary tu dalam saving account. Yang lain baru guna untuk barang lain. So macam ni, barulah I tau berapa budget yang I boleh guna. I kena kena ade goal jugak...let's say, 2 years simpan 10k. So can reduce spending on unnecessary things.

@kakihustle55 4 ай бұрын

Wow Cina bagi salam👍🏻respect

@fadzilmohdali5692 6 ай бұрын

Xde masalah pun untuk menyimpan jika mampu....yg penting disiplin mengurus sesuatu perkara...insya Allah ...berjaya....

@darilensaharithariffin 6 ай бұрын

Budaya yang baik. Boleh kita amalkan

@megatumair 6 ай бұрын

Wahhh! Bagus lah, dah tahu rahsia orang cina. Hehe

@FATINAYUNIBINTIHAIRUDENS-ul9vm 6 ай бұрын

Tahniah konten yg bagus

@pokokpokok1993 6 ай бұрын

Dan makan kita meriah, dengan lauk pauk yg banyak makan pagi, tghari, malam...dorg makan simple je pernah tgk dorg makan dlm tapau nasi, tauhu dan sayur je....tu sbb kita tinggi obes hehe

@ninazara_7718 6 ай бұрын

Thank you for the sharing Afham, hope more video in future!

@mohdrais82 6 ай бұрын

Tabiat menyimpan duit ni perlu diterapkan daripada kecil lagi, Semuanya bermula daripada parents itu sendiri mengajar anak2 supaya rajin menabung.. Benda ni semua kena buat secara consistent sampailah Kita besar else mmg liatla nak menabung😂

@user-vf5eo6ng7g 5 ай бұрын

Nasihat yg baik Dan idea yg bernas

@nurulnasuha1249 5 ай бұрын

As an 18 years old student i think this video gives a lot for me. Thanks i hope i can save more money eventho i hv no salary😂

@mightyknights3679 5 ай бұрын

It's good that you are exposed to this at this age. That means you have time as your asset! :) It's not all about the money but it gives you the freedom to do things you like, help your family and community.

@anwarnikyahya310 5 ай бұрын

Tq for the knowledge Bro… sgt2 membantu utk org2 muda

@nazirulaiman8286 3 ай бұрын

Alhamdulillah, dalam tak sedar aku pon ada guna tak beberapa prinsip yang bro share tu..

@sitikhaty8159 4 ай бұрын

alhamdulillah, sy memang amalkanya. yg penting utamakan keperluan.

@musafirlalu4255 6 ай бұрын

Jutaan terima kasih d atas ilmunya. .

@rugayahbongsu8488 4 ай бұрын

Terima Kasih atas perkongsian info nya ❤

@beansien 5 ай бұрын

Great content bro. I couldn't agree more with your points. As a Chinese brought up in a liberal famly, not-beggarly nor well-to-do, i was taught not to be wasteful. My grandparents were the 1st gen very poverty-stricken Chinese from Mainland searching for greener pasture here always taught us to save every dime & not waste resources unnecessarily. Even at meals, no leftover rice was allowed on the plate, hence, scoop only enough rice that you could finish on your plate. Grandma said 1 grain of rice uneaten is equivalent to 1 house lost in the future. Thus, at the end of every meal all our family members' plates were often clean. Wear whatever clothes until they are torn. Use whatever you have until unrepairable, then only get replacement. Best if you could still DIY it. When buying at groceries, compare prices. Get the cheapest. Stretch your money's worth. Just don't waste. Such is the kind of frugality traits instil in our siblings from young. Now as parents ourselves, we try as much as posibble to instill this thrift as well as careful budgeting too. Teach them to save money as young as possible, for their own good, hopefully into their future.. save all their angpao money collected (the 1st full month was a good start to savings) & open a bank savings acct even before they were 2-months' old. This savings habit becomes a life-long habit to grow wealth. But do not be a miser. Spend only when necessary. Have money guys. I don't know how, but have money. Everything is nice when you have money. It has to start from home, young.

@ABC8115X 5 ай бұрын

1) Differences in Cultural and values... 2) We do not have "hak keisitimewaan"... But you do (such as quota this & that, property discount & etc.). So, in this situation, how to survive & better living standard? Therefore, we became "adaptable, independent naturally and think out of the box ...."

@edwinyeong1867 6 ай бұрын

I hope you get kaya❤❤... Thanks for sharing info.. 😊😊😊brahhh...

@motosim9149 6 ай бұрын

Package nak dapat kerja kena ada 1. Ijazah/diploma 2. Kereta/motosikal 3. Lesen memandu 4. Sedikit wang modal untuk sewa rumah/makan minum sebulan. Semua tu perlu duit. Kalau yang ibubapa sediakan alhamdulillah, bagi mereka yang kosong tangan kenalah berhutang dulu. Hutanng cash untuk ambil lesen. Hutang kedai up untuk motor/kereta. Hutang cash untuk biaya hidup kurang2 1-2bulan. Itulah realiti kehidupan....apa pun kalau ada upaya cobalah dimpan sikit2

@afhamyusof 6 ай бұрын

5. Kabel

@PassionPno 6 ай бұрын

Degree saya percuma. Dapat biasiswa yg cover hostel dgn monthly allowance.

@megatsalehinrandomvideo 5 ай бұрын

TERIMA KASIH. BERGUNA SANGAT BRO! 🔥💪🏼

@zabidi59 6 ай бұрын

Bagus maklumat ini. Mohon share video ini ya.

@lenion2079 7 ай бұрын

Thank for tip. Memang dah practikkan 1 tip. Simpanan lebih banyak dari belanja setiap bulan🎉

@afhamyusof 7 ай бұрын

Hebat sebab 90% orang Malaysia tak boleh buat mcmtu

@IjalWarikh 6 ай бұрын

⁠@@afhamyusofmemandai kau je..kau kaya sangat ke? boleh lawan anak muda mcm alieff irfan tu ke..cina pun kalah ngan dia..kaki jilat cina kau ni..sad😆

@micrin2010 6 ай бұрын

Prinsip mereka yg utama dlm pengurusan kewangan adalah fokus pada berapa byk nak simpan, selebihnya utk kegunaan secara berhemah.

@kasicilok4037 6 ай бұрын

byk bersedekah 😊

@justice791 6 ай бұрын

Good for you to pick this up and share. The basic idea is to delay gratification until you accumulate assets, then you can enjoy life. What you say about buying quality is so true. Ha ha, I really forgot the term Gong Xi Fa Cai is fo wish good fortune. Congrats young man, that is the way to go. Learn from them the secrets to be successful.

@mariaomar9478 4 ай бұрын

I like how you do the story telling. Thanks for the knowledge 😊

@BuahTerbang 5 ай бұрын

Padu

@wj88 6 ай бұрын

I find it amusing how u describe my race👍good job✌️

@irenekumbuot5019 5 ай бұрын

bagus bro👍👍👍

@janeleecc 5 ай бұрын

Financial literacy is so important for everyone. We always teach our children to save money first before they learn how to count them and when they know how to count we will show our kids the importance and scarcity of money so that they will appreciate the practice of savings.

@adrianquah6413 6 ай бұрын

There's a belief I hold. A situation that can be improved with money isn't the problem at all. The problem is just lack of money. So, go earn more money and save more money and invest more money. Money is simply a tool. If we spend everything we earn, its like a carpenter giving away all his tools or a farmer giving away all his lifestock.

@always_Exploring 5 ай бұрын

Mmg btl Ham kata 😅👍

@harunmlasim8637 6 ай бұрын

Salám bro. Saya dh bekerja daň berkawan baik dgn Chinese for almost 30 years. Analysis yang di guna memang mcm bagus. How naive. Orang Islam ada halal n haram. Org Cina tak ada. Banyak business haram. Tax free. Betul bagi org selagi tak Keňa tangkap. Kita nák buat ingat dosa. Kita nák buat content Keňa fikir out of the box

@JumiBakalBapak 2 ай бұрын

Admin ni bekap cina mat .. sblom aq bkk video die aq da pkir ap yg hg ckp ni ... Kita ni ada halal Haram .. nk sma kn bgsa lain ... Silap la ... Byk lg org melayu Islam yg berjaya tknk pulk die ambik contoh dripda bgsa die sndiri ..mamat ni something wrong somewhere

@SitiFatimahsimanjuntakSi-qb3uc 6 ай бұрын

Ok... terima kasih info saya dari Indonesia memang banyak China pandai simpan uang

@hamidahabdhamid4131 6 ай бұрын

BESTTT NAU LAH!!!

@stelfran1546 6 ай бұрын

That should be the way. I did that too, 50%. I don't spend like what people do these days in Malaysia. Salary is only RM2,200 but can go for a haircut at RM300. Suka pula pinjam duit orang. Biar nak bayar susah hati pulak.

@PassionPno 6 ай бұрын

RM 300 haircut? Wtf. I make RM 8100 a month and only get RM 40 haircut every 4 months.

@stelfran1546 5 ай бұрын

@@PassionPno This is a one-time Loreal wash, style, cut and colour (ombre colour, I do not know these things). Every month there is touch-up.

@ikhwanfinancialplanner 6 ай бұрын

Great sharing ❤

@wenbang19 6 ай бұрын

i love this channel , what i get a shocked is that i nvr though the chinese culture that we have is something uncommon to other 😂 my mum teach me dont simply spend extra money buy house , save a fixed deposit , buy shares , or even buy book and read , do investment on ourself no money , just dont go for su much entertainment like drinkings movies or whatever just dont spend and make to have a spending habits we have a sayings jimat jadi boros , senang boros jadi jimat susah so dont make spending and show off a habits

@marleyGenk24 6 ай бұрын

Sebab orang Malaysia utama kan keinginan dari kepentingan. Dulu aku macam ni. Tapi skg AK tahan beli bnde yg Tk penting. Hari akan datang lebih penting daripada hari ni. Skrg AK suka simpan rm1 n rm5 . Kalau duit pecah mesti ak mintak baki rm1 n rm5 .. AK sayang x guna wet kecik tu. Lebih suka guna wet besar. And now AK berjaya saving walau x bnyk

@hidayahjamal145 5 ай бұрын

baru subscribe.. azam thn baru nk tambah saving cam cina la kita belajar berjimat

@muhammadfikriabdultalib821 5 ай бұрын

Salah satu pemerhatian aku, orang cina jarang2 sangat order air minum masa makan. Kalau order pun, air masak je. Korang perasan tak? Hehe

@twq3182 4 ай бұрын

Becoz kita org tak suka minum manis dan juga air mahal..boleh jimat

@JumiBakalBapak 2 ай бұрын

@@twq3182mcd ??starbuck?? Pavilion ? AEON ? Mostly bangsa cina .. tkkn berjimat sbb xmnum air mahal jor ? Nipu naw

@siewkonsum7291 6 ай бұрын

Many people are in financial troubles because, as the world's renowned investor *_Warren Buffet_* says, _"Buying things they don't need, to impress people whom they don't like!"_ 😅

@zaraallysha 6 ай бұрын

I disagree that you do this hasty generalization. Ada je Cina yg miskin n malas. Its not about race, its about the drive a person has. . saya simpan or invest 56% from my incomes. I have savings , gold , xpakai brg kemas, pakai axia only, dan saya gaji T20. My lifestyle is simple. I live in rented house as its cheaper, and i rent out all my own houses. I have 5 properties coming soon. Every 3years or whenever got better opportunities i will move jobs.

@afhamyusof 6 ай бұрын

Good for you 👍

@jl64625 6 ай бұрын

@zaraallysha Agreed. The knowledge good but the generalisation is just odd. It's all abt the drive , n tht is never segrated by race.

@AZ-vp2fj 6 ай бұрын

Bodoh amat budak ni setakat nak buat content semata-mata untuk mengejar subscriber. Pertama sekali dia sudah tunjuk kebodohan. Kata rahsia tapi nak share. 1. Simpan duit dan banyak duit bukan kerana race 2. Jangan ada hutang itu baru kaya 3. Biar simpan sedikit. Lama-lama jadi bukit. 4. Orang melayu Islam nampak miskin dan hidup sederhana tetapi kaya dengan kesabaran dan taat. 5. Orang kita ada simpanan duit untuk pergi Umrah atau Haji. 6. Orang kita lah yang makan sederhana. Lauk kampung, nasi telur kicap pun boleh. 7. Pakaian berjenama, kereta mewah, makan mewah adalah majoriti orang siapa 8. Bangsa dia lah yang perlu kena pakai duit banyak seperti wedding, funeral, simpan abu, berjudi, minum arak, beli insurance, investment dan lain-lain 9. Apa-apa rumah baru siap orang siapa yang berebut nak dulu kalau bukan bangsa dia 10. Tajuk tu salah simpan duit cara orang cina. Sepatut tukar ke SIMPAN DUIT IKUT KEMAMPUAN. 11. Ini bukan racist. Ini secara keterangan. Setakat share supaya tahu. 12. Cina Malaysia banyak jugak yang kaya. Investor kaya di Singapore mostly dari Malaysia, Hong Kong, Taiwan, China, Chinese Indonesian, Arab dan dari luar negeri.

@n0buddy919 6 ай бұрын

2 same education level😂 1 cina,1 melayu impression of race to community cina lazy low% melayu lazy high% (pls admit that this is reality,we know that there are melayu yg rajin dan cina yg malas exist) u tak kenal both of them(dunno which one is the hardworking one) if u mau upah 1 ppl, which one will u hire?

@lilynyanget338 5 ай бұрын

I agree with you 💯 Im a type of person who mix around so I got some knowledge from any race in what are they good at and not😊

@elixshiemaxwell7165 5 ай бұрын

Paling penting disipilin dari kecil klau kita buat sesuatu benda tu pasti buat betul2.

@butt82mnm14 6 ай бұрын

Tq Ahmad .

@jemsinnagutin740 4 ай бұрын

Good info👍

@Alimartin7377 5 ай бұрын

Giod sharing bro

@nabilahhusna7261 Ай бұрын

Terbaik bang😅

@esahahmad9059 4 ай бұрын

Tkasih....to share this video to my children

@justinkuek7777 6 ай бұрын

good analysis.....

@chewanaltruistic1482 5 ай бұрын

Mmg benar stiap org prlu utk simpan duit utk kecemasan dll..dan sy brsyukur swaktu bujang sy mengikut kwn mmbuat simpanan di asbf..dan skang ada juga join satu instrumen yg bwa pulangan percen yg tinggi sbulan..boleh tgk di titok sy nama sama..sy brkerja tdak tetap jadi ada simpanan lampau sdikit sbanyak dpt tampung keperluan hdup ..

@ummurazak1033 5 ай бұрын

Setuju sangat..sya drpd start kerja dah pikir..dpt gaji je buat 1 nota dlm phone utk perbelanjaan apa dn saving bnyk mana...dan sya pun suka klu nak beli barang biar mahal tapi tahan lama so ada kualiti..so xde la nak beli dua kali bak kata omputih..tu kdg klu sya suka beli brg first hand dan cash..separuh gaji sya dpt saving..tapi sya sbg isteri yg bantu suami lah..tq info