Our life needs the present and the future. For those who believe yes, the importance of today will also be important for the future. Agree, that means the money we receive today must be divided into two for the present, okay, the future is easy, the last point is Sometimes people forget that in life in the future you need to prepare money from today's preparation, yes, that's right, then the dangerous income is that the income is smaller than that, which is scary, how come you can still live, Ryan, of course, from digging holes, covering holes, obviously he is a loan shark victim, he is a loan shark victim. For example, if you're selling, it's embarrassing, but if that's the case, it's already out of date, all the items in the house have been sold. Yes, yes, I want to save but my income is always less and less, even though the problem isn't the income, the problem is how he manages his money. What strategy is the best strategy? What strategy? the best thing is so that from now on we have a mindset of setting aside OK OK, entrepreneur friends, great greetings, wow, welcome to see you again and you have your favorite resource. You've missed it, ah, how are you, Bro Ryan, great, extraordinary, this frequency has become a regular speaker. Yes, so if I'm confused about financial instruments, whether it's shares, let alone Forex, we've had dozens of episodes, and now this time I want to ask if there are any other interesting investment instruments apart from the ones I've already discussed, but I'll discuss them all. after this one [Music] level up podcast What's really good news? When will we meet? It's been more than a year and a half, especially in the Covid era, wow, we'll make a topic for Marathon, yeah, we haven't seen each other for a long time. This time, if I call him, he'll definitely be there. something urgent educational. Well, bro, I wanted to ask a question, so coincidentally a friend from SB30 asked me to ask two questions. The first question is, if I have money, the money is modified, the second is that I have worked all my life, but how come I never have the money, but I always watch SB30? saving gold again, there are two types of people, it's good for us. Answer the first one first. So if I have money, it's good to spend it. Yes, okay. If we talk about our lives, we definitely have something called active income. People are sure that when they work, it's definitely work and getting money is called activating you, which means this is the portion of people who have real money, however, every month they will receive relatively, yes, big and small, everyone will have their own small amount. This is where the person usually starts not being able to manage their finances well because From elementary school to middle school to high school, we may not learn or learn things in the nature of mathematics lessons for economics lessons, but we don't get one thing called financial management and the financial management that we learn comes from the people closest to us, if our family is our father, it turns out we also not very good at managing finances, yes, in our opinion, we will not be able to manage it down. The simple principle is that when we have money, where do we actually want to go? There is an easiest principle, called the fifty-fi principle, if we believe that our life needs the present and the future. For those who believe, yes, then the importance of today will also be important for the future. Agree, that means the money we receive today must be divided into two for the present, okay, the future is easy, the future is what can be bought from today, okay? Networking education is something that is bought today, the results are for the future. Today we gather with people who like to stay up late. Yes, over time we really get good at staying up late. Agree, we gather with people who like to talk about investment and business opportunities in the future. In the future, we will be able to invest and do business, that means there are only two. Then there is another future, there is actually no future, for example for spirituality, yes, we save to go to the holy land, that is part of the future, that's right, the last point that sometimes people forgetting is living in the future, you need to prepare the money from today, prepare properly, when the money is received, divide the money into two sets, 50% for today to cover current needs This is for school children, it's for the future, actually. The next 50% is where we start to think about the first proportion of financial investment. There are lots of financial investments. Mr. Chandra must have mentioned shares, but there is actually the most one. So why? because this is something that has been around for more than a century, investing in gold, yes, so oh, bro, we never discussed this, yes, so we have had beards, but maybe because we are in Forex, there is gold trading, so the gold trading accident is not from investment, sir, yes, sir. This is actually something that all parties say, uh, if we invest in gold, there should be no resistance from stock investment resistance. Maybe there is resistance. OK, my dad, when I first found out about investing in shares, his image was straight away, yes, it's gambling like that, let alone Forex, let alone Forex gambling, more gambling again like that. So it's actually difficult for us to introduce something new to the order, but bro, I'm sure that my grandfather, even his grandfather's grandfather and his grandfather's grandfather, so the first investment is for people who already have money, the simple mindset is how strong we can be. Halve the income we receive , yes, it's a small amount. Everyone has a large amount, yes. That's right, but the habit of dividing at the beginning is something that's not easy if we're used to spending 100% on snacks. The size of the income, for example of course 55 for an employee with the same UMR salary. It's different with the President Director. Is it still 550? Is it true that in our country it's different in every city? Yes, provinces also have a UMR. That value actually takes into account the costs of daily living in that city. So actually when we divide two times it's true that there will be a problem for us, that's how we can live carefully and thriftily, it's really difficult. Because today in the online era, the ease of buying something makes us feel very young and the smell disappears. Usually their inability has to be filtered by three things, the first is income . that's if it's the same as spending then it'll be miserable in a while, for sure, for sure, yes, today it's coming in, how much is running out, how much is running out, how much is it really, there's no more Fifty Fifty, there's no 100% spent for today, there's nothing left for the future, then the income that's dangerous, this is income It's smaller than that, which is scary, how come Rayan can still live? Rayan must have dug a hole and closed the hole. It's clear that he's a loan shark victim, he's really a loan shark victim. If for example he's selling, he's embarrassed, but if that's the case, it's already old, all the items in the house have been sold, which means this is a sign of more income. bigger than smaller than smaller than the expenses that we need to pay attention to is that the income is greater than the expenses what percentage should be 50% of the income that must be deducted for the future. It is clear what school the child goes to in the future if we send our children to school well then he will stand alone. There is another story called the Sandwich Generation. If not, there are lots of stories around us about the Sandwich Generation. Once he is old, he turns out he can't be independent because he doesn't save his money as long as he is productive, so in the end his child is charged even though his child has just had a child. Yes, it means that this child feels sorry for being responsible, right? Well, this is the thing about how we start to realize that whenever we start to realize that following this podcast is like that, you know. I think I'm in that part where I'm really starting to think about how I can be careful and frugal, that's for sure. The key words are careful, thrifty, careful and frugal, isn't it? By adding more work first, many people are looking for a human way with less money, they are looking for something called a bigger income, don't forget that bigger income consumes more time, their health is disturbed, in the end it doesn't become healthy, it doesn't increase. a lot of money is spent on medical treatment. Yes, it's a mindset game here for people who already have it. The hassle is there, if you don't have it, it's actually true, you don't have it, yes, it's true, you don't have it, because maybe he's actually trapped by that. income is less than expenses not like that. So, back to the story about the three types of income, okay, so in the end, the ideal is that income should be greater than expenses, it should be like that. So it has to be forced, that's why I always teach the mindset of setting aside, not leaving, well, the problem that becomes frustrating, let me know the question. I was at the beginning, namely Why do people nowadays, if the important thing is to have the money, first, if the money is there, then where do you want to invest it? It's easy to say today our topic is investing in gold, that's okay, but what was brought up earlier, the problem is that they always think that I'm working. all your life but the money is never there, which means this is a problem in management. We are not discussing that today. What we have to discuss is that since you watched this podcast, right now you have to force yourself to have a mindset that whatever happens must be put aside, just think of it as money being lost. I always say that, let's start talking about the money first. Well, now we're talking about investing in gold. Well, investing in gold is the most ancient investment. It's true that in ancient times, anyone never had a blog mentality, right? Yes, Grandpa wants us, Grandfather wants whoever Mum wants, whoever they want if listen to investment, bro, oh good, you are a very good boy. Well, let's talk about the most ancient investment, gold investment, what can you actually start with? So, if you study modern finance, what is actually called gold investment can be divided into 7 levels, Sir Wih, and for certain levels, right? it can be done once, yes, first of all, this is probably the most common thing people do, which is to combine gold investment with gold consumption. Oh, that's different. How come there is one if we buy jewelry? Oh yes, again we consume it. Why do I use this? it hits the shirt like that it decreases [Music] it goes down [Music] meaning it is consumed again So but this is a gold investment as well as gold consumption Is this part of the investment Yes part of the investment Yes why because it could be that what is consumed a 10% drop in the price of gold 30% negates So he can be an example of the strategy of people buying jewelry and finally making a profit. I guarantee you that it's been a long time since 1998, but it's been a long time, sir, so many people have become rich because their keroncong bracelets are so popular that they are sold, right? Lolo 4 prices, yes, I feel that Oh, fortunately I invest in gold, actually it's investment plus consumption and buying gold jewelry , not pure gold. Yes, that's the first thing, no, if you invest in gold, there's jewelry, now there are 24 carat ones which are pure, right? Not really? Because in the models We pay the modeling fee. Yes, that's right, that means yes. Yes, we also pay the cost for the modeling. There's a boarding house there. The design is really correct. That's what the second one consumes. The second one is that people usually buy the LM LM, if not, Mulia. Uh, sometimes actually the grade that is famous in Indonesia, Antam, it seems like this is it, we have to talk about what is called pure precious metal, actually yes, one of them is produced by Antarctica, there are many, yes, it is famous from Surabaya, UBS, UBS, what's the difference between Antam and also that? all brands only 4 refining places where the precious metals are refined and printed, yes, yes. So there is something he can usually make with a sleeping model, there is a batik picture, there are character patterns , namely the How to make it interesting rather than rolling it up . You want to take something that is really interesting. Yes, that means the second one is LM. Yes, the third one is gold investment which is the most basic in nature. Actually, it's not jewelry, but the number 2 level 2 is the most basic one, so people should say that the most basic investment is number two, which is number one or not? go into investing, okay, because it's half, half, half, half, okay, because the value can go down, that's okay, the second one is LM, the third one, okay, the third one is actually starting to trend because number two is getting more expensive by the day, because it's getting more expensive by the day, right? It's getting higher today by one gram. It's almost 1 million, he's even more, especially the small denominations, that's why he's holding it the goods but he made it as gold savings. OK, the nature of it. So if in world language it is called fractional gold, fractional gold, yes, so it is a fraction of gold which is in the form of a savings book. Oh, so digital gold savings, the third digital gold savings, takes the purity of number two. OK, but he didn't, no, he immediately scored the gold at the start. Oh, that means it's like an excursion, right? Oh okay, okay, the point number three is actually solving number two, solving number two, but for the convenience of people who can't afford to buy LM in large quantities, that's right, why? In my calculations, buying LM gold that is less than 25 grams is difficult, fortunately. Oh yes, why? Because the printing costs are more expensive, the same if we want to print it, isn't there digital printing? It's called offset printing. Offset printing. Try printing one but offset is expensive. print a certain quantity correctly and want a certain quantity to make the price of the paint cost of printing worth it because why do you have to make a separation film for this and that print so it becomes expensive so people who should know that with a value of less than 25 grams it is better to go to the number 3 ready. That's the third point, yes, Fational or digital gold savings. Well, this is number four, it uses instruments from Fatih, the others use it from other motives, there are people who say, sir, we have a hot futures contract, Mas is a virgin, he is actually using future trading, but yes, that's back, like we discussed last time, it's a long story, the element of leverage, I don't really understand at this point, you have to learn first, if you never go through the first, two or three, go to the fourth, Wow, it's hard to imagine that's exactly what the advantage is. In the end, in the end, Oh, don't just hold on to the physical thing, yes, number 4, there are indeed many provisions in it that make us have to learn the fifth, okay, this fifth actually combines number 4, which previously had leverage, with number two. Oh , that's called gold gardening, uh, plantations. Wow, members of this gold garden have elements, there is element number four, but it is done in real market conditions, namely by combining gold with gold pawning. Oh buy and pawn, bro. Wow, this is an interesting topic. We'll discuss this later, okay ? Buy and pawning gold Oh, this is gardening, bro, yes, it's called, but number 5, in my opinion, if someone does number 5, it's very high cost, very hairy, don't do it. Yes, so number 5 is actually a matter of knowledge, but it's not my suggestion to do knowledge . Yes, but not to be recommended, OK, the sixth number is Number 6. Number 6 is something called Mutual Funds, Mas Mutual Funds, oh yes, yes, there are some in Indonesia, they don't exist, yes, in Indonesia it's not popular, number 6 is in the American market. OK, so what it looks like is in the form of an investment manager, he makes it possible to compare this to a capital market product with the collateral behind it being gold. Okay, so this is actually similar to saving gold, yes, but this is in the seventh capital market product, number 7, yes, number 7, for example, is today. there is crypto with a gold guarantee so there are lots of other intros below, bro. So what you want to go to is a capital market product. Go, does Bitcoin have an underline, bro, no, open it, Bitcoin is gold to point Zero, he wants to proclaim himself as gold Max, it's different, the story is the same. The interior is different, what he wants to play is a Smart contract, so the Smart Contract wants to raise Block C, he wants to raise a different mindset, OK, this time we won't discuss numbers 4 to 7 first, we want to discuss digital gold savings first, savings are still digital. Well, so it's related to points. number 2, so let's start first, often that person, me, wants to save, but yes, that goes back to the problem of conflict of interest. I want to save, but my income is always lacking, even though the problem is not income, it's the problem with the way he manages his money. The problem is that he can't reduce his lifestyle, his income increases, his lifestyle increases, that's the problem, so what strategy is there? What's the best strategy? What's the best strategy so that from now on we still have a mindset of setting aside? Yes, OK. Well, in the past, when there was no frictional gold or small denominations, it was actually a problem too. Even though he already had money, it turned out he didn't have enough money to buy the amount. Yes, in the end he couldn't, in the end he used snacks. That's right. Well, with the existence of what is called frictional gold, it actually helps people with any nominal amount. You can start as long as you have enthusiasm. You have savings, Mas digital, because starting from just 10,000 you can do it, so this is actually a bridge. This is the thing, well, when we invest, actually in I studied investment strategies for almost a year everywhere, it turns out that it is only divided into 4 strategies, Sir. The first is to buy as much as possible, buy as much as possible, buy as quickly as possible, it is called lamsam lamsam OK, lamsam, so if it's lamsam, that's the point. I saw the price of gold falling and I thought that my lowest point was that I had collected my money all this time. I shot the door, one shot strategy, One Shot One Shot. Okay, like a Sniper, Mr. Sniper, as many as possible, as quickly as possible. Anyway, I'm brave, I'm brave, basically. This is a bit of speculation too, yes, that's right, when we only do it once, we actually only have a chance of success or one time. In fact, there's something for speculation, it's definitely okay, the project is there. Then the second one. Well, the second one is called Dollar cost average, well, this is what we often discuss, right? Oh yeah We often discuss BCA, yes, but sometimes people are confused about what concert dollars are, the main thing is, they don't want to know what goes up and down, the main thing is to save, OK? So we are consistent with the time, time and amount, so that's an example of the money, the nominal amount of money. Yes, I know, we don't consider the amount of gold as an example. let's say the minimum salary is 4 million, he's already committed. Anyway, I don't want to know, I just save every month, whatever the problem is. Anyway, I save every month, 200,000, for example, 200,000, that's only 2%, right, let's just say it's one percent, no, no, not 20%, right? Eh 5 % 5% 4 million, basically my salary is 4 million, I set aside 5% for saving digital gold, for example on a trip, that's possible. Say, for example, 5% Rp. 200,000, then for example your salary is 40 million too or your salary is 100 million, what is the 5% commitment? Well, that's called dollar closet racing. That's right. The price of gold goes up or down. He doesn't care. Anyway, I'll set aside 5%. What happens is for people who do something like that and have the logic to think like this, the price of gold is going up, yes, the price of gold can go down at any time, right? If I buy by closing my eyes like that, will I make a profit in the long run? Well, that's it. Isn't it that when it goes down, it's the most appropriate time for me to buy? Yes, we will be hit by that mindset, right? OK, the answer is actually you have to. Try looking at past data, OK? Well, here I am. I showed it earlier, I showed it here, I have shared how to simulate buying gold in dollars, okay, three time frames, 3 time frames, that's 1 year 1 year 3 years 3 years 5 years 5 years 1 year means there are 12 purchases during happens at the end of the month. OK, let's say when he gets paid, he goes straight for 3 years, that means 36 times 36 times, yes, 60 purchases at the end of the month. Where we never care about the price going up, we don't want to know, we also have a headache. OK, let's just focus on work, no need to focus on looking at the trading. so you panic, you panic because it becomes chaotic. It turns out it's true that if we invest one year like that, 12 purchases of blindfolds are always purchased in the existing data up to 2020, it doesn't always end every year for oh. That's right, but what's interesting is to look at the data that is 3 I hope it will be shown later, Mr. Permit. It turns out that if we invest for 3 years, it always turns out to be bigger than the nominal value we like. 3 years 3 years. Oh, that means the data is that 3 years of gold can make money from the amount of money we deposit, right? Oh, it looks like that above. that's why he doesn't want to know, basically 5% every month of my income sets aside whatever amount is consistent like that. OK, if it's 5 tons, it turns out to be 5 tons. There are times when he doesn't make a profit. There are investment criteria that are a bit like that, Sir, for example, if it turns out that you have 3 years, you tend to experience profits in all 5 years. It turns out that there are profits and there are losses. Well, if the shares are more than 5 years old, then that's the story, so the investment criteria could be different. -different means the meaning of the dollar cos averaging strategy. If we look at the data, it turns out that 3 years is very reasonable. If 5 years doesn't make a loss, there are some that don't make a profit, but it's also something that isn't wrong, right? We can save it. Yes, we save it. Let's just say that we keep it like that, the story means this is what is highly recommended, that's right, that's why it's the best strategy if there is one. In my opinion, this share is more suitable for people who are not employees, you have to understand, you have to understand the same. Maybe in my opinion, maybe if he has a business, it's possible by tender. or by Project, he's lucky, he's short, he's lucky, he's lucky, he's lucky, he's got a bad luck straight away, he's numb straight away, or he's got a windfall straight away, he buys it straight away, okay? But if you're an employee or have a fixed income or active income, DCA is highly recommended. But at least 3 years, everything is number 3, you can't be number 3. This is a strategy to be able to buy the things we want that today we can't buy. OK, I want to buy property, wow, my LED costs 1 billion, don't I have 1 billion? Well, let's calculate the property. This is what it really is in grammatical terms. Sir, how much, if it's 1 million, that means it's 1 kilo, right? So if it's 1 kilo, Oh 1 kilo, I want to chase after this item for the next 5 years, OK? That's 1 kilo, divide it 60 times, buy OK, so what you're chasing is the kilograms, okay, okay, not chasing. nominal method constantier method so constant gold purchased constant amount purchased content Mount gold so for example he wants half a kilo yes basically per half kilo I just want to print it like that because what do people say sir if the price is just right to go up then you have to buy it for example I am last buy 20 grams, I have to buy 5 grams, yes, that's the 5 grams that I have to spend. So if here what is being chased is when the goods are met, the goods are ready because they say that from time to time, in fact, when gold is exchanged, the goods are always bought. Well, yes, yes, that's where the mindset comes from. it's the same as before, I once invited the CEO, it's the same, he always said that gold is always synonymous with the price of goats. Yes, that's right, so in the end he always concentrates on buying. That's right. There's a fourth strategy, especially the fourth one is called value avera Ging value everything method, the more you go down, the more root you get [Music] This is confusing, but it's rare, yes, value averaging, this method is easy to talk about, easy to theorize, but hard to put into practice, but it gives a definite return, yes, be brave, but promise the amount if the fourth one promises a return. Oh, what kind of return? That's an example like this, we want to experience growth every year in how much our assets are compared to a 10% gold investment, for example, for example, I invest this using the dollar cost method, tet tet, for 1 year the capital is 1 million, so it's easy, Rp. bro, if we exchange gold for gold into rupiah , how much is it only Rp . deposit OK, let's start again for the second year, calculate it again in that way, then at the end of the year what we want will definitely be achieved, the percentage we want will indeed achieve the teaching growth target. Oh, there are things that have to be like that because the price of gold can fluctuate rapidly, yes. And we are because it's like a petty game, yes, but we ourselves can't be sure. Eh, if the target has been achieved, it means we don't have to force it to achieve it, which means that if it's finished, only 200 million turns out to be 17 million. on holiday, you don't have to pay for it some time in the future. Okay, so the average file method is like the fourth, if you don't have the fifth, just four is enough for learning. Today I think the first 4 strategies are evening Sam, second is DCA When buying property, the fourth value averaging method is the one we recommend, which is actually the best in Ca. Yes, for the general public, the easiest is to close your eyes. Get ready to buy the money hahaha. Then we'll discuss it again in the next topic. Don't forget to keep an eye on the Success Before channel. thirty for today we are on the first topic, we learn the 7 levels of gold investment and how the strategy is successful, we will always discuss how gold is successful for the next one. For you and we close, great greetings, extraordinary