Mengapa 50% Orang Miskin akan Tetap Miskin?

Summary

In this video, the speaker discusses the economic challenges expected in 2024 and 2025, highlighting potential recession risks, rising interest rates, inflation, and increased layoffs. He explains how governments worldwide are intentionally slowing down economies to stabilize currencies. He provides advice for the middle and working class to prepare for tough times, including selling non-essential assets, managing finances wisely, and investing in education. He also promotes a free financial literacy program, 'Blue Academy,' to help people better understand investment strategies, emergency funds, and more during these uncertain times.

Takeaways

• 📉 The speaker predicted an economic recession in 2024, with rising unemployment and high interest rates impacting people's finances.
• 📈 Central banks worldwide are intentionally keeping interest rates high to control inflation and stabilize currencies.
• 🏦 Low interest rates during the COVID-19 pandemic led to a boom in investments, housing loans, and spending, but the current high rates have reversed that trend.
• 💼 The increase in interest rates is making it harder for people with loans, especially mortgages, as their payments rise significantly.
• 💸 With high interest rates, people are more inclined to save in banks rather than invest in high-risk assets like stocks or cryptocurrencies.
• 🚨 The speaker warns that 2024 and 2025 will be particularly challenging for the middle and lower classes, with potential mass layoffs and businesses shutting down.
• 💡 The wealthy benefit from economies of scale, allowing them to save more on bulk purchases, while the poor often pay more for necessities like groceries.
• 🤝 Building and strengthening relationships is crucial in difficult economic times, as connections can provide opportunities for employment and support.
• 💰 The speaker advises selling non-essential assets like PS5s or cars to generate cash for future investment opportunities during a potential economic crash.
• 🎓 The best investment during uncertain times is education, as it can’t be taken away and provides long-term value for all social classes.

Q & A

What does the speaker predict about the economic situation in 2024 and 2025?

The speaker predicts that 2024 and 2025 will be challenging years for the economy, especially for the working class, due to factors like high interest rates, inflation, and potential economic downturns.

Why does the speaker believe that governments are intentionally slowing down the economy?

Governments are keeping interest rates high to control inflation and prevent a sudden spike in the cost of goods, like food. This policy aims to stabilize the currency and prevent economic chaos, but it makes economic conditions harder.

How does the speaker explain the impact of interest rates on investments and spending?

When interest rates are low, people tend to invest more in riskier assets like stocks and cryptocurrencies because borrowing money is cheap. When interest rates rise, as they have now, people prefer safer investments like savings and deposits due to better returns and higher borrowing costs.

What sectors or groups are most negatively impacted by the current high interest rates?

People with mortgages, car loans, or other forms of debt are especially impacted because their monthly payments can double or triple with floating interest rates. Businesses also face challenges due to reduced investment and consumer spending.

What is the speaker’s advice for people facing the economic challenges of 2024 and 2025?

The speaker advises people to minimize non-essential assets, increase liquid assets, and avoid unnecessary spending. Additionally, they should focus on education and building financial literacy to better manage their finances during tough times.

What does the speaker say about the advantages of wealthy individuals in tough economic times?

Wealthy individuals benefit from economies of scale, allowing them to buy in bulk and reduce costs. They also have better access to investment opportunities and resources, such as financial advisors, which helps them maintain their wealth.

Why does the speaker mention ‘privilege’ in the context of wealth and poverty?

Privilege, such as coming from a wealthy family or having the right connections, plays a significant role in determining one’s financial success. This privilege can include better education, access to exclusive investment opportunities, and a strong support network.

What is the speaker’s recommendation for people who are not wealthy?

For those who are not wealthy, the speaker recommends strengthening their networks and relationships. This can provide job opportunities or support during difficult times, like layoffs or financial crises.

What opportunities does the speaker suggest might arise during a recession?

The speaker suggests that during a recession, many assets, such as property or stocks, will be available at lower prices due to decreased demand. People with liquid assets may take advantage of these opportunities to invest at a discount.

What free educational opportunity does the speaker promote at the end of the video?

The speaker promotes the Blue Academy, a free financial literacy program created in collaboration with the 1% community and Blue Bank, aimed at helping people improve their financial knowledge and strategies.

Outlines

00:00

💼 Economic Challenges Ahead: Will 2024-2025 See a Recession?

The speaker discusses the possibility of a recession in 2024-2025 and its potential impact on the middle and lower classes. While the video from the end of 2023 predicting a recession did not go viral, current economic indicators like rising interest rates and inflation are making life increasingly difficult. The speaker emphasizes that this period will be challenging for many people, and offers insights into why this may be the case. Despite these difficulties, he notes that this is his personal opinion, not a guaranteed prediction. The speaker explains how governments globally are intentionally tightening economies by maintaining high interest rates to control currency values and inflation. This strategy aims to prevent extreme price increases, such as for basic goods like rice. High interest rates make borrowing expensive and discourage investments in high-risk assets like stocks and cryptocurrencies. The speaker warns that if the economy experiences a 'hard landing,' it could lead to widespread layoffs, business closures, and increased difficulty in finding jobs.

05:01

🏡 Privilege and Wealth: How Background Influences Financial Success

The speaker delves into the role of privilege and family background in determining financial success. Research suggests that factors like family name can significantly impact a person's likelihood of being wealthy or poor, with a 60% probability linked to these factors. Privileged individuals inherit not just wealth, but also valuable assets like connections, quality education, and access to resources such as financial advisors and legal help. This support system enables them to make informed financial decisions and access exclusive investment opportunities. For those without such advantages, the speaker advises strengthening relationships and networks, which can provide support and opportunities during economic downturns. He also highlights the benefits of purchasing in bulk and investing wisely during recessions, as wealthy individuals are often better positioned to leverage economies of scale and secure assets at discounted prices.

10:02

🎓 The Power of Financial Education: Free Learning Opportunities

The speaker introduces Blue Academy, a financial education program in collaboration with 1% and Blue Bank, which offers free resources on financial literacy. The initiative aims to help individuals better manage their finances through education on topics like emergency funds, investment strategies, and financial planning. The program recently received an award for its efforts in promoting financial literacy. To participate, one only needs to be a Blue Bank account holder. The speaker encourages viewers to take advantage of this opportunity, especially during uncertain economic times, to prepare themselves for potential challenges. He concludes by urging viewers to make the most of this resource to improve their financial knowledge and resilience.

Keywords

💡Recession

A recession refers to a significant decline in economic activity that lasts for months or years. In the video, the speaker predicts a potential recession in 2024 and 2025, suggesting that economic challenges such as high interest rates, inflation, and mass layoffs could affect everyone, particularly the working and lower-middle classes. The speaker explains that the economy is being 'deliberately slowed down' by global governments to control inflation, which could lead to more difficult financial conditions.

💡Interest Rates

Interest rates represent the cost of borrowing money, and in the video, they are highlighted as a major factor affecting the economy. The speaker discusses how interest rates have increased dramatically from 0% during COVID-19 to 5.5% in the U.S., and similarly in Indonesia. This rise impacts people’s ability to take out loans or invest, especially those with floating mortgage rates, whose payments may double or triple. The high rates encourage saving over investing, which affects economic activity and growth.

💡Inflation

Inflation is the rate at which the general level of prices for goods and services rises, eroding purchasing power. The speaker explains how inflation has been reducing people’s wages, making it harder to afford basic needs. By keeping interest rates high, governments aim to control inflation, though this has negative consequences for borrowers and investors. Inflation is a key reason why the speaker predicts difficult times ahead in 2024 and 2025.

💡Hard Landing

A hard landing is an economic term that refers to a sudden and sharp slowdown in economic growth, often leading to a recession. The speaker expresses concern that if a hard landing occurs, it could result in widespread layoffs, business closures, and a tougher job market. This is contrasted with a 'soft landing,' where economic growth slows down more gradually without leading to a full-blown recession.

💡Privilege

Privilege in this context refers to the advantages certain individuals or groups have, often due to factors such as family wealth, social connections, or access to resources. The speaker argues that wealth and success are often influenced by these privileges, like being born into a wealthy family or having access to better education and networks. This helps the wealthy maintain their status across generations, while those without such privileges struggle to build wealth.

💡Economy of Scale

Economy of scale refers to the cost advantage that arises when companies or individuals increase their production or purchasing capacity, leading to lower costs per unit. The speaker uses this concept to explain how wealthier individuals can buy in bulk, thus saving money in the long run, while poorer people may not be able to afford the same cost-saving options. For example, buying a large bottle of shampoo is cheaper per unit than buying smaller sachets, but only wealthier individuals can afford the initial expense.

💡Liquidity

Liquidity refers to how quickly an asset can be converted into cash without affecting its value. The speaker advises people to increase their liquidity, meaning to sell off unused assets, such as a PS5 or a car, to ensure they have cash on hand. This is particularly important in preparation for a potential economic downturn, as having liquid assets allows one to take advantage of investment opportunities or cover emergency expenses during a crisis.

💡High-risk Investments

High-risk investments, such as stocks and cryptocurrencies, have the potential for high returns but also come with significant risk, particularly in times of economic uncertainty. The speaker notes that when interest rates are low, people are more willing to invest in high-risk assets, but as interest rates rise, people tend to favor safer investments like deposits. The current economic climate discourages high-risk investments due to the instability in the financial markets.

💡PHK (Layoffs)

PHK is the Indonesian acronym for 'Pemutusan Hubungan Kerja,' meaning layoffs or job terminations. In the video, the speaker predicts that if a hard landing or economic recession occurs, mass layoffs will follow, as businesses struggle to stay afloat. The speaker already observes an increase in layoffs and factory closures, which are early signs of a worsening job market in the coming years.

💡Financial Education

Financial education is the knowledge and understanding of financial concepts and strategies, which helps individuals make informed financial decisions. The speaker emphasizes the importance of improving financial literacy, especially during economic crises. Programs like Blue Academy are mentioned as resources to help people learn about personal finance, investments, and emergency funds, empowering them to make better financial choices in challenging economic times.

Highlights

In 2024 and 2025, the global economy will face significant challenges, particularly for the working and middle class.

Interest rates have remained high worldwide, leading to economic tightening that affects people's financial conditions.

Governments are intentionally keeping interest rates high to prevent inflation from spiraling out of control.

The rapid rise in interest rates—from 0% in the U.S. to 5.5% and in Indonesia from 3% to 6.25%—has severely impacted borrowers, especially those with mortgages.

The era of low-interest rates during the COVID-19 pandemic fueled investments in startups, crypto, and stocks, but this has changed dramatically.

Many people are now shifting to safer investments, such as deposits, due to the higher interest rates.

High-interest rates discourage investments in riskier assets like stocks and crypto, making it a challenging time for businesses and individuals with debt.

If a 'hard landing' occurs, where the economy slows down drastically, layoffs and business closures will become widespread.

The working class may find it harder to combat poverty without external factors, such as better access to education or economic privileges.

Wealth and privilege play a significant role in one's economic opportunities, as connections and resources are often passed down generationally.

The wealthier individuals benefit from economies of scale, making their purchasing power more efficient compared to the middle or lower class.

In preparation for potential economic downturns, individuals should sell unnecessary assets to increase liquidity and be ready for future investment opportunities.

Avoid buying unnecessary luxury items and instead focus on essential purchases that provide value in the long run.

One of the best investments, especially in uncertain times, is in education, which can provide long-term financial security.

Programs like Blue Academy offer free financial literacy courses to help people navigate economic challenges and improve their financial management skills.

Transcripts

di akhir tahun 2023 gua sempat bikin

satu video yang bilang bahwa 2024 tuh

bakal Resesi videonya tidak viral tapi

sekarang kita bisa lihat ya berita PHK

udah makin tinggi suku bunga enggak

turun-turun dan inflasi juga udah banyak

menggerus Gaji kita habis-habisan

makanya hari ini di video ini nih gua

juga sekalian mau ngasih tahu ngasih

tahu lagi terutama ya Kenapa periode

2024 dan 2025 ini bakal sangat menantang

untuk semua orang terutama untuk ka

kelas pekerja ya kelas menengah dan

kelas menengah ke bawah so buat lo yang

merasa 2024 dan 2025 itu bakal jadi

tahun yang menantang atau mungkin lu

percaya sebaliknya silakan tonton video

ini sampai habis dan Welcome to

psychology of

Finance welc

pertama-tama disclaimer dulu ya jadi

2024 tuh belum tentu 100% akan Resesi

jadi ini cuma opini gua aja omongan gua

yang enggak jelas aja ya bisa jadi tapi

yang jelas sekarang itu faktanya ya

ekonomi itu memang sedang sengaja dibuat

sulit oleh pemerintah di seluruh Dunia

Alasannya apa Bukan Ya bukan karena

teori konspirasi elit global dan

lain-lain basically sekarang itu ya

hampir semua pemerintah di seluruh dunia

itu masih ningkatin suku bunga atau

mempertahankan suku bunga bunga di angka

yang tinggi suku bunga itu angkanya

enggak turun-turun artinya Apa artinya

adalah ekonomi kita sengaja direm supaya

nilai tukar di dalam negara ini itu

enggak tiba-tiba naik enggak tiba-tiba

harga beras naik gila-gilaan dan

lain-lain ya suku bunga ini buat yang

belum tahu ya itu biasanya nentuin duit

Semua orang tuh akan ke mana dengan

mengetahui fakta sederhana tentang suku

bunga banyak orang bisa ngambil

keputusan investasi meskipun sayangnya

Gua yakin banyak orang lu semua yang

nonton ya kelas menengah kelas bawah

orang di luar sana yang engak nonton

Enggak tahu nih tentang hal-hal beginian

tahunya kayak tiba-tiba kaget aja Oh

saham turun semua Oh criripto unlock dan

lain-lain gitu oh kripto naik dan

lain-lain Nah jadi gini kalau suku bunga

rendah bahkan sampai 0% ya dulu ketika

covid ini di us dan sekitar 3% di

Indonesia itu semua orang termasuk

konglomerat pastinya bakal

menghambur-hamburkan uang ke mana-mana

Nah inilah alasan kenapa tahun 2020 2022

itu banyak sekali startup yang diinvest

investmen ke criripto saham itu

meningkat orang banyak yang mulai KPR

orang beli mobil dan lain-lain karena

uang itu berlimpah di masyarakat

basically free karena kalau kita minjam

uang ke bank bunganya tuh rendah gitu

Enggak ada tuh yang mau nyimpan uang di

low risk investment kayak deposito dan

lain-lain ya kecuali memang butuh karena

return-nya juga cenderung rendah ya

orang suku bunga rendah mending criripto

enggak sih mending saham enggak sih dan

lain-lain nah ini sangat berbeda dengan

sekarang suku bunga di us naik dari 0%

sampai dengan 5,5% artinya naik hampir 6

kali lipat dan ini adalah suku bunga ter

tertinggi sejak 22 tahun lalu Indonesia

juga ikut-ikutan naik terkait dengan

suku bunga karena sekarang suku bunga

itu nyampai 6,25% alias naik hampir dua

kali lipat dari 3 koma sekian persen pas

covid ini jadi mimpi buruk ya buat yang

KPR terutama buat yang kredit mobil buat

orang yang minjam duit banyak hutang dan

juga berinvestasi karena apa Karena

cicilan cicilan KPR nih terutama yang

bunganya floating itu bisa naik jadi dua

kali lipat Tiga kali lipat kebayang

enggak cicilan rumah lu ya awalnya

sejuta jadi 2 juta jadi R juta itulah

faktanya yang terjadi sekarang Nah

karena suku bunga masih tinggi orang

malas investasi di aset yang highis eh

krypto saham soalnya duitnya mending

dimasukin deposito dong Ya kan karena

suku bunga tinggi ya mendingan nabung ke

bank dong dan kemungkinan nih enggak

bakal diturunin sampai 2025 enggak bakal

turun drastis lah suku bunganya tahun

ini dan tahun depan kemungkinan bakal

jadi tahun yang menantang sekali buat

kita semua bukan hanya kalangan mah ke

bawah tapi juga pebisnis bakal sulit

kalau misalnya beneran terjadi yang

namanya hard landing alias ini ekonomi

tiba-tiba rem mendadak cuy dan kalau ini

terjadi PHK bakal terjadi di mana-mana

bisnis bakal banyak gulung tikar nyari

kerja bakal lebih sulit daripada

sebelumnya dan ini sudah terjadi ya di

beberapa daerah pabrik tutup dan

lain-lain menariknya tanpa Resesi

sekalipun El yang sekarang miskin merasa

miskin nih kemiskinan itu sendiri tuh

sulit diatasi mau kita kerja sekeras

apapun Tanpa beberapa faktor yang akan

gua bahas di section selanjutnya lu

mungkin bukan hanya butuh kerja keras

tapi juga butuh kerja cerdas bukan cuma

kerja cerdas tapi juga butuh ngelola

keuangan dengan baik so kita harus

gimana tonton part du

ya kalau misalnya kita ngomongin soal

Gimana cara jadi kaya yang lebih

menentukan apakah kita akan kaya atau

tidak udah jelas ya yaitu adalah

privilege sejarah keturunan keluarga

kita tuh bisa dibilang punya peran yang

cukup penting bahkan salah satu riset di

Inggris itu bilang kalau kita punya nama

belakang tertentu itu bisa nentuin nasib

kita Apakah bakal kaya atau miskin dan

ini probabilitasnya sampai dengan 60%.

Ya kan karena ya orang yang punya

privilegage biasanya mewariskan bukan

hanya kekayaan ya bukan hanya uang loh

tapi juga saham koneksi Terus keluarga

kaya juga biasanya akses ke pendidikan

berkualitas sekolahnya oke ya kan Terus

juga sumber daya yang kadang enggak

punya nih orang miskin tuh enggak punya

mereka punya akuntan mereka punya

pengacara mereka punya konsultan

keuangan yang bisa mereka langsung

telepon Kalau misalnya ada apa-apa atau

bahkan polisi tentara ya dan lain-lain

nah Network kayak gini privilege kayak

gini itu ngembantu si orang-orang kaya

ini dalam membuat keputusan yang tepat

dalam mengolah kekayaan mereka juga

kalau tiba-tiba ada keos ya mereka punya

akses atau kalau misalnya tiba-tiba ada

aset nih yang menarik ya mereka punya

akses peluang investasi yang eksklusif

yang seringki tidak tersedia untuk umum

Nah makanya sebagai orang yang menah ke

bawah sebagai orang yang tidak kaya

Kayak Amat Apa yang harus kita lakuin

pertama perbanyak dan perkuat relasi

Jadi sekarang Coba deh mulai gali lagi

relasi Lu ke mana aja mulai gali lagi

seberapa kuat relasi lu Semakin oke lu

punya relasi nanti ketika tiba-tiba

terjadi PHK massal atau tiba-tiba lu

enggak punya duit minimal lu Harus

tahulah Lu minta tolongnya ke siapa ya

kan lu minta kerjaannya ke siapa itu

pertama Nah kalau kita ngomongin Gimana

cara jadi kaya di era Resesi Semoga aja

enggak ya enggak Resesi banyak yang

sebenarnya kita lihat orang kaya itu

hidupnya bermewah-mewahan Ya kan Padahal

kalau kita lihat sebenarnya orang kaya

itu sangat diuntungkan di sistem ekonomi

sekarang karena ada konsep yang namanya

economy oft scill di mana kalau kita

misalnya beli sesuatu beli barang itu

biasanya biaya per unitnya menurun kalau

misalnya kita punya duit banyak ya

contohnya misal kita mau beli sampo

lebih murah yang sasetan apa lebih murah

yang botol ya udah jelas ya Secara

Absolut lebih murah yang sasetan tapi

kalau lu beli botol sebenarnya itu

sangat jauh-jauh lebih murah orang

miskin bisa beli yang mana bisanya beli

yang sasetan orang kaya biasa beli yang

botolan bahkan satu dus sekalian nah

dengan menggunakan prinsip itu aja kita

bisa lihat bahwa orang-orang yang kaya

itu memanfaatkan ekonomi off scale

ketika mereka beli barang ketika mereka

beli sesuatu yang kita anggap Mereka

bermewah-mewah ternyata enggak ternyata

lebih hemat Nah makanya ini adalah tips

kedua sekarang kalau misalnya kita

ngerasa Enggak kaya-kaya banget kita

harus coba mikir apa nih ya barang yang

kita bisa beli dalam jumlah banyak di

masa-masa krisis Apa barang yang bisa

kita jual sekarang mumpung sekarang

ekonomi masih hidup supaya cash kita

lebih banyak punya aset Liquid nih

ketika kita bisa beli yang benar-benar

kita butuh Nah contoh kalau kita punya

PS5 jarang dimainin nih ps5-nya lebih

baik ps-nya dijual sekarang Sama halnya

dengan mobil kalau sekarang jarang

dipakai dipakai seminggu sekali Mending

jual aja deh sekarang mumpung ekonomi

masih oke mumpung demand-nya masih

tinggi in case nanti terjadi hard

landing kalaupun enggak terjadi ya bisa

beli lagi kan gitu beli lagi aja yang

bekas lagi kan nah tapi habis dijual

ngapain nih ya bisa dibiarin duitnya

Liquid siapa tahu nanti kan ada

opportunity investment yang menarik di

masa depan Nah lu bisa ambil karena

Resesi itu sebetulnya adalah ketika

barang-bang barang harganya jauh lebih

murah ya barang-barang harganya jauh

lebih murah Karena demand enggak ada kan

suly banyak demand enggak ada Crash Tuh

semua barang lebih murah ketika lu punya

duit nah lu bisa beli ya Atau bisa juga

ketika lu udah punya haset Liquid ya

jadiin darah darurat Git contoh lu bisa

beli ya Yang penting ya stok beras

makanan untuk jangka panjang dengan

harga murah dengan konsep ekonomi soft

skale intinya gini semakin banyak

sekarang barang-barang yang enggak Lu

pakai yaitu harus diminimalisir supaya

bisa ganti jadi aset Liquid Nah ada tips

ketiga juga untuk sekarang dengan

gonjang-ganjing Resesi krisis ekonomi

lebih baik hindari dulu beli barang yang

belum kita butuh makanya ketika beli

suatu barang pilih produk lokal ya buat

lu yang udah kaya juga yang punya aset

di atas 1 M gitu saatnya beli aset

diskon tapi nanti jika memang Nanti

banyak aset diskon karena harusnya gua

Yakin banget kalau misalnya Resesi

terjadi harga aset bakalan murah kalau

tidak terjadi Ya udah gitu kan kita bisa

balikin duit ya dari Deposito kita kan

mungkin ya balik lagi ke yang high risk

kayak saham criripto dan lain-lain gitu

yang akhirnya kan kemarin k juga sempat

Nurun tuh saham Akhirnya sekarang

rebound lagi nah buat yang asetnya

banyak nonliquid dan Miss Queen nih buat

kalian-kalian yang punya banyak barang

yang ggak kepakai mending sekarang

dijual buat ningkatin Runway supaya Siap

dengan masa-masa sulit dan jangan beli

barang-barang baru yang konsumtif ya

Siapin buat investment opportunity yang

menarik nah satu hal yang paling penting

menurut gua dalam menghadapi Resesi

adalah investasi yang terbaik ya

investasi yang tidak bisa dicuri oleh

siapapun tidak bisa hilang dan juga ini

investasi yang terbaik untuk kelas

sosial manapun Apa itu jawabannya adalah

sederhana investasi pendidikan dengan

adanya kemajuan di internet sekarang

udah enggak habis-habislah mau milih

kelas ya milih webinar di mana pun baik

yang berbayar maupun gratis semua ada

bahkan di YouTube juga udah banyak ilmu

nah tapi untuk persiapan finansial

khusus e gua mau ngasih tahu ada satu

program gratis dari 1% dan blue Gua

yakin buat lu yang udah nonton 1% sudah

tahu namanya adalah blue Academy jadi 1%

dan blue kita sudah berkolaborasi selama

lebih dari 1 tahun untuk mengedukasi

finansial secara gratis ya lewat blue

Academy dan syukurnya alhamdulillahnya

ya kemarin kita sempat dapat Award guys

dari sustainable marketing Excellence di

tahun 2024 untuk kategori financial

literasy program of the year tepuk

tangan dulu dong ya jadi dalam kerja

sama 1% dengan blue kita sudah

mengedukasi sekitar ribuan atau bahkan

belasan ribu orang tentang literasi

finansial dan ini gratis ya so buat lu

yang belum ikutan buat lu yang men masih

merasa Aduh gua stupid nih dalam hal

finansial lu silakan ikut blue Academy

gitu ya enggak ada syaratnya kecuali lu

adalah nasabah blue ya yang penting itu

aja Jadi kalau buat yang belum punya

blue Tinggal bikin akunnya aja gratis lu

nanti bisa langsung hadir gitu di Blue

Academy lu bisa belajar tentang keuangan

investasi strategi finansial dana

darurat dan lain-lain dan yang paling

asik adalah ketika lu ah ikut program

ini kalau misalnya lu ikut nabung juga

lu bakal Dapat reward dan cashback

apalagi blue itu terkenal banyak sekali

ya programnya yang diskon-diskon K Lu

bisa bisa nonton gratis atau bahkan

nonton Cuma 5.000 gitu nonton bioskop

dan lain-lain lah gua selama pakai blue

enggak pernah nyesel sih Nah jadi

silakan lu boleh daftar ke Link yang

sudah terterah di layar atau bisa juga

langsung klik linknya di comment section

atau di description Akhir kata semoga

video ini enggak jadi bikin lu takut ya

dan gua pun berharap enggak terjadi hard

landing kalau Resesi itu udah pasti

terjadiah cepat atau lambat ya kita

enggak tahu apakah tahun ini apa tahun

depan yang penting semoga enggak terjadi

hard landing atau Economic Crash dan

kalaupun terjadi gua berdoa Semoga kita

semua bisa siap Akhir kata gua Evan 1%

well thanks Sampai ketemu di video

selanjutnya

[Musik]