Anak Muda, Lindungi Uang Kalian

Summary

The video discusses the financial challenges millennials and Gen Z may face in the future, highlighting issues such as rising costs, inflation, and spending habits. The speaker reflects on how the financial targets and perspectives of the younger generations are influenced by previous generations, but notes the current economic environment is vastly different. Key points include the impact of digitalization on spending, economic uncertainty, and the need for financial planning. The speaker emphasizes awareness and adaptability as crucial for achieving financial stability amidst these challenges.

Takeaways

• 😟 Millennials and Gen Z may face significant financial challenges in the future due to inflation and high living costs.
• 🏠 The dream of owning a home, getting married, and starting a family is becoming increasingly difficult for young people.
• 📈 Inflation and rising costs of essentials and property are key factors making financial stability hard to achieve.
• 💼 While young people are creative and can generate income, traditional career paths may not offer sufficient financial growth.
• 💸 Spending habits and perspectives on saving among younger generations are contributing to financial instability.
• 📉 Savings rates are decreasing, and trends like 'soft saving' emphasize enjoying life over saving money.
• 📊 Economic growth driven by domestic consumption can be risky if people aren't prepared for long-term financial stability.
• 📱 The influence of technology and social media increases impulsive spending, leading to financial challenges.
• 💳 The ease of spending through digital innovations and financing options like 'pay later' exacerbates financial risks.
• 🌐 Global economic uncertainties and events significantly impact local financial stability, affecting everyday life in Indonesia.

Q & A

What trend is the speaker concerned about regarding millennials and Gen Z?

The speaker is concerned that millennials and Gen Z will face significant financial difficulties in the next 5, 10, or 20 years.

What does the speaker identify as one of the contributing factors to financial instability for young people?

The speaker identifies themselves as a contributor to the problem, indicating that the current system and societal expectations influence financial instability.

What is FIRE and why is it considered a dilemma by the speaker?

FIRE stands for Financial Independence, Retire Early. The speaker considers it a dilemma because, despite being an ambitious generation striving for financial independence, young people are influenced by unrealistic financial goals set by previous generations.

How does the speaker describe the financial goals influenced by previous generations?

The speaker describes the financial goals of previous generations as centered around owning a house, getting married, and having a family, which are now much harder to achieve due to increased living costs.

What are the three factors the speaker believes will lead young people into financial difficulty?

The three factors are rising prices (inflation), the ability to generate income, and spending habits.

How does the speaker describe the spending habits of the current generation compared to previous ones?

The speaker believes the current generation has poor spending habits and perspectives on money, influenced by trends like 'soft saving' and a focus on living a happy, stress-free life rather than saving.

What is the significance of digitalization and social media according to the speaker?

Digitalization and social media play a significant role in influencing young people's spending behavior, making it easier for them to spend money and be influenced by advertisements.

What does the speaker suggest about the ease of spending in today's world?

The speaker suggests that spending money is now much easier due to technological advancements, making it almost effortless to make purchases, sometimes even without having the money immediately available (e.g., pay later options).

What is the 'FOMO Factor' mentioned by the speaker?

The 'FOMO Factor' refers to the Fear of Missing Out, which drives young people to spend money influenced by social media and the constant exposure to new trends and products.

How does the speaker view economic uncertainty and its impact on young people?

The speaker views economic uncertainty as a significant issue, exacerbated by global events and digital information flow, which can influence financial decisions and create anxiety among young people.

What is the speaker's main message to young people regarding financial planning?

The main message is to be aware of the different economic and societal conditions compared to previous generations and to focus on both making and protecting money to achieve financial stability.

Why does the speaker mention the importance of balancing offensive and defensive strategies in financial planning?

The speaker uses a game analogy to emphasize that while making money (offense) is important, protecting and managing money (defense) is crucial for long-term financial stability.

Outlines

00:00

😟 Financial Struggles for Millennials and Gen Z

The speaker expresses concerns about the future financial stability of Millennials and Gen Z. They discuss how the rising costs of living, influenced by previous generations' financial targets, make it harder for young people to achieve financial independence. The comparison between past and present prices, especially for housing, highlights the significant challenges faced by today's youth. The speaker shares their perspective on the changing economic landscape and how young people need to adjust their financial strategies.

05:02

📱 Influence of Technology and Social Media

The speaker examines the impact of technology and social media on consumer behavior. They highlight how companies like Facebook, Tiktok, and Google collect data to influence spending habits. The ease of accessing products online and the convenience of spending have increased impulsive buying. The speaker stresses the importance of being aware of these influences and managing spending habits to avoid financial pitfalls.

10:03

🤔 Economic Uncertainty and Its Impact

The speaker addresses the economic uncertainties faced by Millennials and Gen Z, such as global conflicts and the COVID-19 pandemic. They emphasize how the rapid spread of information through digital platforms creates a heightened sense of economic instability. The interconnectedness of global economies means that events abroad can significantly impact local financial conditions. The speaker warns that without proper financial planning, young people may struggle to navigate these uncertainties.

💡 Reflecting on Financial Realities

In the concluding segment, the speaker reflects on the differences between their generation and previous ones in terms of financial advice and realities. They stress the importance of recognizing the unique challenges faced by today's youth and adapting strategies accordingly. The speaker encourages viewers to share their experiences and perspectives on financial stability, aiming to foster a broader understanding of the evolving economic landscape.

Keywords

💡Millennials and Gen Z

Millennials and Gen Z are generational cohorts often discussed in terms of their financial stability and economic challenges. In the video, the speaker expresses concerns about these groups facing financial difficulties in the future due to rising costs and societal expectations. The speaker identifies themselves as part of the problem contributing to these difficulties.

💡Financial Stability

Financial stability refers to the ability to maintain a steady income and manage expenses effectively over time. The video discusses the potential for financial instability among younger generations due to high living costs and economic pressures. This concept is central to the speaker's concerns about future financial prospects for Millennials and Gen Z.

💡FIRE (Financial Independence, Retire Early)

FIRE is a financial movement that encourages saving and investing aggressively to achieve early retirement and financial independence. The video mentions this as a dilemma for younger generations who are ambitious about retiring early but face significant financial obstacles. The speaker highlights the irony of striving for FIRE while dealing with economic hardships.

💡Inflation

Inflation is the rate at which the general level of prices for goods and services rises, eroding purchasing power. The speaker emphasizes that inflation, particularly in housing and daily necessities, is a major factor contributing to financial struggles for younger people. This is presented as an ongoing challenge that will continue to affect their economic stability.

💡Income Generation

Income generation refers to the ability to earn money through employment or entrepreneurial activities. The speaker acknowledges the creativity and resourcefulness of younger generations in finding new ways to make money but notes that traditional career paths may not provide sufficient income to match rising living costs. This concept is linked to the challenges of balancing earnings and expenses.

💡Spending Habits

Spending habits are the behaviors and patterns related to how individuals manage their money, particularly in terms of expenditures. The video criticizes the current spending habits of Millennials and Gen Z, suggesting they are less inclined to save and more prone to spending on experiences and non-essential items. This trend is seen as detrimental to achieving long-term financial stability.

💡Soft Saving

Soft saving is a trend where individuals prioritize enjoying life and spending on experiences over saving money. The video mentions this trend as prevalent among Gen Z, where the focus is on living a happier, stress-free life rather than accumulating savings. This reflects a shift in financial priorities that may hinder future financial security.

💡Economic Uncertainty

Economic uncertainty refers to the unpredictable nature of economic conditions that can impact financial planning and stability. The video discusses the increased frequency of significant global events (e.g., geopolitical conflicts, pandemics) that contribute to economic instability. This uncertainty is highlighted as a major challenge for younger generations trying to secure their financial futures.

💡Ease of Spending

Ease of spending refers to the convenience and accessibility of making purchases, often facilitated by technology and digital innovations. The speaker points out that modern conveniences, such as online shopping and 'buy now, pay later' options, make it easier for individuals to spend money impulsively. This ease of spending is presented as a trap that can lead to financial difficulties.

💡Digital Influence

Digital influence is the impact that digital platforms, especially social media, have on individuals' behavior and decisions. The video highlights how younger generations are heavily influenced by digital ads and social media, leading to increased consumerism. This influence is seen as a significant factor in the spending habits and financial challenges faced by Millennials and Gen Z.

Highlights

Millennials and Gen Z face significant financial challenges over the next 5 to 20 years.

The contributor acknowledges their role in the financial difficulties of young people today.

Ambitious goals like Financial Independence, Retire Early (FIRE) are harder to achieve in the current economic climate.

The financial goals of owning a home, getting married, and starting a family are becoming increasingly unrealistic.

Prices of everyday goods and properties have risen significantly compared to previous generations.

The cost of housing in major cities like Jakarta is prohibitively high for most young people.

Gen Z and millennials often engage in job-hopping and prioritizing mental health over traditional hustle culture.

Three factors contributing to financial struggles: rising prices, income generation capabilities, and spending habits.

Despite being more creative in generating income, professional salaries have not kept pace with living costs.

Spending habits of the current generation are influenced by constant exposure to social media and marketing.

There is a notable decline in savings rates, with many opting for 'soft saving' and prioritizing immediate happiness.

The convenience of spending through technology and quick commerce makes it easier to spend without thinking.

Economic uncertainty is higher now, with global events having a more immediate impact on local finances.

Young people are more exposed to economic risks due to the interconnectedness of global economies and digital information.

The need for a balanced approach to financial planning, focusing on both earning and protecting money.

Transcripts

Gw gak tahu kekhawatiran gw ini sebenarnya valid atau gak,

tapi salah satu yang gw liat trend-nya

millenial dan gen Z mungkin 5 tahun, 10 tahun atau 20 tahun ke depan

itu bakal kesusahan secara finansial.

Dan sebenarnya salah satu masalahnya itu di gw.

Gw salah satu kontributor dari masalah

kenapa anak muda zaman sekarang kelihatannya tuh bakal

jauh lebih susah untuk financially stable.

Atau ada istilahnya FIRE (Financial Independence, Retire Early)

Ini lumayan dilema menurut gw.

Ironisnya, kita generasi yang paling ambisius untuk

cari duit sebanyak mungki biar kita bisa pensiun dini,

bisa beli rumah, nikah, punya keluarga terus enjoy life.

Tapi kita tuh menurut gw ada di tahap either di-brainwash bisa beli rumah, nikah, punya keluarga terus enjoy life.

Tapi kita tuh menurut gw ada di tahap either di-brainwash

sama sistem yang sekarang

dan kita gak sadar karena perspektif kita tentang financial target

itu ke-influence sama generasi-generasi kita sebelumnya.

Orang tua kita yang mungkin nikahnya bisa muda,

bisa punya rumah, punya lahan.

Yang buat mayoritas kita itu kan kayak end goal-nya ya.

Kita kerja susah-susah buat apa sih?

Buat punya keluarga, punya rumah, terus settle.

Tapi—new slash,

kita tuh gak tinggal di zaman dulu orang tua kita hidup.

Harga-harga dulu sama harga sekarang itu jauhnya luar biasa.

Kalau kita ngomong tentang core inflation

bahkan sampai makanan, kebutuhan sehari-hari.

Belum lagi kita ngomong tentang properti

yang harganya tuh naiknya menurut gw agak gak make sense.

Kalau dipikir-pikir, anak muda zaman sekarang

gimana caranya mereka bisa sampai beli rumah di Jakarta—

yang buluk aja mungkin lu harus nabung sekitar miliaran.

Kalau mau ratusan juta dapat apartemen tapi mungkin kecil,

gak bisa dipakai buat keluarga.

Kalau mau dapat yang layak mungkin kalian harus di pinggiran-pinggiran

atau di kota lain.

Gw baru aja ngobrol sama salah satu karyawan gw di Sevenpreneur.

Gw bilang kayak gini, kebanyakan gen Z sama millenial itu

tahunya apa yang mereka udah alamin sekarang.

"Oh emang status quo-nya tuh kayak gini."

"Oh emang sewajarnya kalau gw kerja gw bisa job hoping."

"Emang gapapa untuk healing."

"Hustle culture itu gak sehat", dan lain-lain.

Tapi ada bagusnya kalau kita punya perspektif seberapa f*cked up-nya kita

kalau misalnya harus dibandingin sama generasi sebelumnya.

Sesimpel kayak gini, ada 3 faktor yang menurut gw

bakal bikin anak muda beresiko di financial hell-hole.

Pertama itu harga-harga.

Inflasi sih menurut gw gak bakal berhenti.

Makin ke depan harga rumah, harga gadget—

yes, gadget HP ya—

yang zaman dul HP 2 juta tuh tergolong udah premium dan yang paling mahal,

sekarang HP udah bisa 20-30 juta.

Kendaraan, biaya nikah, ekspektasi sosial.

Itu faktor 1, harga-harga.

Kedua, kemampuan buat making income.

Nah alhamdulillahnya anak muda tuh di sini lumayan kreatif.

The problem sama jebakan-jebakan yang nanti gw bakal bahas—

itu sebenarnya pedang bermata dua, hasil dari poin 2 ini.

Anak muda tuh jauh lebih bisa create income.

Cuma kalau kita ngomong tentang jalur profesional

atau gaji dari career ladder itu sebenarnya belum secerah itu.

Karena nanti hubungannya sama berapa banyak income yang kita dapat

sama pengeluaran yang kita harus keluarin.

Baru itu masuk ke poin 3, yaitu spending-nya kita.

Nah ini menurut gw, generasi kita dibanding generasi sebelumnya,

we are quite f*cked up di habit-habit dan perspektif kita soal spending.

Beberapa data yang mendukung ini—

ada satu headline di artikel yang gw baca,

yaitu tabungan orang RI terendah sejak 1999.

Tanda hidup makin susah?

Nah itu hook-nya.

terus gw baca-baca, intinya pertumbuhan dana pihak ketiga

atau uang nasabah ditaruh ke bank itu tuh lumayan all time low.

Orang udah mulai gak banyak yang saving.

Belum lagi trend gen Z sekarang yang itu—

kemarin sempat viral, namanya soft saving.

Kayak yaudahlah gak perlu terlalu mikirin nabung atau simpan uang,

yang penting gw bisa experience hidup gw lebih happy dan stress-free.

Dan kalau kalian lihat data savings rate,

persentase dana yang disimpan dibandingin sama income mereka

itu tuh lumayan nurun terus.

Nah kalau tren ini kesannya kayak jomplang banget ya,

harga-harga bakal naik terus tapi tabungan kikta tuh bakal turun terus,

berarti bola liarnya itu cuma di satu aspek ini.

Yaitu kemampuan anak muda untuk create income.

Mungkin ini bisa kekejar kalau misalnya mereka

tetap spending, nabungnya kecil, tapi income-nnya bisa naik secara signifikan.

Analoginya tiba-tiba orang jago trading,

jago jadi content creator, jago bikin bisnis.

Idealnya kayak gitu.

Tapi kenyataannya pertumbuhan income kita secara

mayoritas di Indonesia juga gak secepat itu.

Jadi jangan dilihat dari data-data itu.

Menurut gw kayak—kebanyakan orang lihat GDP,

"Wah Indonesia ekonominya tuh bakal maju banget nih."

Memang benar ekonomi Indonesia itu didorong

mayoritas sama konsumsi dalam negeri.

Kalau ekonomi kita naik terus artinya orang kita konsumsi terus.

Wah artinya bagus nih.

Cuma, there lies the problem menurut gw.

Karena jebakannya itu menurut gw lumayan riskan banget

di anak muda sama populasi menengah sampai ke bawah.

Kalau kita genjot terus, sprint konsumsinya,

yes ekonomi bakal kuat.

Tapi kalau kita gak siapin warga-warha Indonesia

untuk berpikir marathon soal finansial mereka, bahaya juga.

Di video ini gw bukan bilang lindungin uang kalian artinya

stop (spending), frugal living, jangan konsumsi sama sekali—

itu namanya ekonomi kita bakal hancur.

Kalau uang gak berputar, kita gak konsumsi,

ya Indonesia bakal kesusahan ekonominya.

Cuma perspektif di video ini yang gw mau sampein,

ini jebakan-jebakan yang menurut gw kalian harus paham.

Kenapa?

Generasi kita itu emang didesain

lebih susah kaya dibanding generasi sebelumnya.

Di luar dari topik-topik yang gw bahas tadi soal inflasi, dll.

Yang pertama gw bahas di Chapter 1 yaitu FOMO Factor.

Kalian bayangin ya—posisiin setiap gw jelasin

peristiwa-peristiwa atau kejadian-kejadian ini,

bandingin sama orang tua atau kakek nenek kalian.

Satu hal yang benar-benar ngebedain kita, generasi muda,

dibanding generasi mereka adalah meleknya teknologi.

Digitalisasi itu bikin semuanya jauh lebih gampang.

Penyebaran informasi—safe to salah satu yang paling signifikan

di hampir 100% kehidupan orang di Indonesia itu social media.

This is why perusahaan-perusahaan multi billion dollar

kayak Facebook, Tiktok, Google itu ngumpulin data sebanyak mungkin.

Kenapa?

Soalnya dia bisa nge-track behavior kita.

Untuk apa? Ya untuk—

ujung-ujungnya kita mengonsumsi sesuatu.

Karena how business and economy works adalah

gimana cara kita putarin dan keluarin duit kita terus.

Tujuan dari seluruh bisnis mau itu swasta atau private

adalah gimana cara kita keluarin duit kita.

Nah generasi muda yang baru lahir udah dapet teknologi,

mereka tuh yang paling gampang ke-influence sama

social media atau informasi untuk mereka konsumsi.

Bayangin, dibandingin sama orang tua kita—

bahasa gw tuh trigger.

Apa toelan-toelan yang bikin kita,

"Yaudah gw beli deh, aduh gw jadi pengin bareng ini deh."

Dulu mungkin dorangannya datang dari nonton TV,

lihat ads di toko pas kita lewat jalan-jalan.

Kalau kakak nenek kita—wah itu lebih langka lagi.

Mereka cuma pas dateng atau ngobrol sama orang

baru mereka kebayang pengin beli sesuatu.

Nah kita tinggal di zaman dimana lu scrolling 5-10 menit aja

pasti ada satu, dua, atau tiga barang yang didorong untuk

bikin kalian keluarin uang kalian.

Jadi ini berlaku hampir setengah orang yang pakai social media

itu ngeluarin extra expenses yang seharusnyagak mereka keluarin.

Karena mereka gampang ke-influence informasi yang banyak banget.

So, step number one yang kalian harus mulai sadar,

semua kemajuan teknologi kita itu nge-brainwash—

buat kita overload information yang semua tujuannya

untuk kita konsumsi sesuatu.

Dan dorangannya jauh lebih kuat dibanding generasi sebelumnya.

That's point one yang penting banget.

Kenapa kalian harus punya mindset untuk

lebih bisa ngelindungin uang kalian dibanding generasi sebelumnya.

Bayangin aja di tahun 70-an—

itu lumayan lama ya—orang tuh ngelihat 500-1600 ads setiap hari.

Ini kalau kalian jalan, ngelihat billboard,

ngelihat poster atau brosur atau apapun itu.

Di 2021, gak lama ini ya,

orang tuh rata-rata lihat 6.000-10.000 ads setiap hari.

Honestly, ini out of control.

Kenapa gw dari awal bilang ini salah satunya salah gw?

Karena gw juga ngajarin kalian juga untuk utilize itu,

untuk bikin customer kalian beli dari kalian.

Semakin digital marketer itu jago,

semakin banyak yang bisa jualan secara online,

semakin kalian terdorong buat keluarin duit kalian.

Nah bagian satu ini cuma ngebahas di bagian intent.

Kita jauh lebih gampang di-influence

untuk tiba-tiba pengen beli sesuatu.

Poin 2 itu yang menurut gw jadi bagian yang bahaya banget juga.

Ease of Spending.

Kalian tahu gak seberapa banyak uang yang dilontarkan saa VC,

investor, pebisnis yang sampai miliaran dolar

untuk bikin segampang mungkin, sampai orang gak mikir.

Bahkan orang yang gak punya duit pun

bisa keluarin duit mereka untuk konsumsi.

Salah satu barrier yang gede,

zaman-zaman dulu orang gak mau keluarin duit mereka

itu karena gak ada namanya convenience factor.

Kayaknya agak susah ya, gw harus ke sini, harus ngelakuin ini.

Pokoknya untuk keluarin duit dulu tuh jauh lebih susah dibanding sekarang.

Sekarang lu mau habisisn 100 juta—

jangan 100 juta deh, misal 1 M atau bahan berapa M—

Gw duduk 5 menit, 10 menit,

modal pakai jempol itu duit bisa keluar.

Belum lagi trend belakangan ini sempat hype, namanya quick commerce.

Jadi e-commerce tapi yang jauh lebih cepat.

Kita tuh makin lama dijoljol sama tools-tools

atau digital innovation yang membuat kita gampanng banget ngeluarin duit kita.

Bahkan di luar dari aspek marketing atau aspek financing—

lu gak duit pun, sekarang adanya pay later—

Gapapa bro, yang penting lu bakal gajian beberapa hari lagi.

Yang penting lu pencet sekarang, lu beli barangnya di mana.

Ini fenomena yang kayak kita rasain banget sekarang sebagai anak muda.

Yang kita harus sadar, dulu tuh gak ada—

dan kenapa sekarang tuh kita di jebak banyak banget godaan-godaan kayak gini.

Kalau kita gak aware dan kita bikin planning

berdasarkan what's real di situasi sekarang.

Again, anak muda menurut gw agak f*cked up sih.

Kita lihat beberapa tahun ke depan,

apalagi pas rumah udah mulai naik lagi harganya.

So poin kedua, walaupun kita ngerasa keren

dengan banyaknya inovasi baru, teknologi, solusi, dll—

menurut gw salah satunya kita harus tahu kapan untuk ngerem. dengan banyaknya inovasi baru, teknologi, solusi, dll—

menurut gw salah satunya kita harus tahu kapan untuk ngerem.

Ini tuh analoginya kayak gini.

Kita mau diet tapi di rumah kita tuh

selalu ada nyediain snack-snack untuk bikin kita batal.

Jadi salah satu opsinya ya make sure kita

jangan terlalu bergantung atau ngeekspos diri kita sama

hal-hal yang memudahkan kita untuk ngelakuin konsumsi.

Nah poin ketiga—ini yang gw ngerasain

agak sedikit beda di generasi kita.

Walaupun sebenarnya secara frekuensi itu

banyak juga terjadi di generasi orang tua kita.

Yaitu economic uncertainty.

Kalau kalian sadar dan harusnya ngerasain

untuk milenials yang umurnya 20-30

Frekuensi kita ngelihat kejadian-kejadian

yang kesannya menggelagar banget di dunia—

misalnya kayak perang Rusia-Ukraina, habis itu Iran-Israel.

Habis ada covid, habis apa pun itu lah.

Itulah itu tuh kenapa belakangan ini ngersa jauh lebih cepat.

Salah satu faktor yang jarang orang bahas itu sebenarnya

abukan tentang kejadiannya, tapi the fact bahwa

orang tuh gampang mengetahui kejadian itu.

Kalau dul kejadian happen, yaudah.

Sekarang gara-gara—balik ke semua poin

yang gw bahas dari awal sampai sekarang digitalisasi informasi—

kalian jangan ngeramehin loh.

Kalau misal retail-retail atau kita seorang diri itu

gara-gara lihat news dari mana terus kita ikin keputusan finansial

itu tuh bikin ekonomi kita yang harusnya gak terintegrasi

sekeras itu dengan negara lain,

jadi terintegrasi.

And gw bisa bilang loh di tahun 2024 ini

menurut gw uncertainty dari ekonomi kita

atau ketidakpastian, "Ini bakal bagus, "Ini bakal badai"—itu tuh lumayan tinggi.

Sesimpel event-event Black Swan

atau event yang gak bisa diprediksi

yang tiba-tiba memengaruhi ekonomi atau finansial.

Misalnya kayak kemarin Iran-Israel,

dan beberapa aset high risk itu turun.

Misalkan Bitcoin juga turun. dan beberapa aset high risk itu turun.

Misalkan Bitcoin juga turun.

Kita tuh jadi banyak keekpos sama hal-hal

yang harusnya gak berhubungan dengan kehidupan sehari-hari kita.

Sekarang apapun yang terjadi di luar negeri

bisa berpengaruh sama uang kita di Indonesia.

Kita lihat rupiah kita juga udah mulai melemah.

Bahkan ada yang prediksi bakal sampai 17.000

which is quite all time hall ya.

Beberapa bisnis yang bergantung sama impor tuh bakal struggling.

Dan semua ini tuh gw ngomong di perspektif

mayoritas masyarakat Indonesia

yang sampai sekarang itu middle to low.

Mungkin ini kesannya kayak gw ranting aja

Dan ini videonya lebih pengin sharing,

concern sama pemahaman gw tentang what's happening

Cuma gw sendiri sebagai millenial

yang tergolong finansial gw nyaman untuk gw tinggal,

nyaman untuk gw hidup—gw ngerasa anxiety-nya tuh ada.

Tapi karena selama ini menurut gw

gak terlalu banyak bahas tentang kenapa kita sekarang

kejebak dan gak bisa reach financial target kita.

Jujur ya, karena sekarang bisnis dan ekonomi itu memang

didesain untuk memeras konsumen.

So step 1—biar video ini gak kepanjangan,

kalian sadar dulu.

Kita memang tinggal di zaman yang berbeda dibanding orang tua kita.

Dan beberapa saran dari orang tua kita

itu mungkin udah gak berlaku lagi sama kita.

Karena perubahan informasi, behavior—itu udah nempel di sini.

Jangan sampai anak muda itu gak bisa

fokus ke gimana cara making money, tapi gak bisa ngelindungin uang mereka.

So, ini cuma pesan lewat buat kalian yang nonton video ini.

Percayalah—kalian kalau main game,

naikin semua attack-nya—

ya oke masih bisa menang.

Tapi kalau di hidup kenyataan, gak bisa bos.

Kita harus tetap mikirin defense-nya.

Tapi mungkin kalian punya opini yang berbeda

atau mungkin observasi gw kesannya agak bias.

Coba share cerita kalian.

Mungkin yang lebih in tune sama orang tua, sama kakek nenek.

Benar gak prediksi atau worry gw soal anak muda?

Sebenarnya gak bisa disamain sama generasi sebelumnya.

I guess I'll see you guys on the next video, bye-bye!