Punya 100jt di Umur 25 itu WAJIB di 2025!

Summary

The video discusses the unrealistic expectations around financial success for young Indonesians, particularly the notion of having Rp100 million in savings by age 25. It challenges the toxic standards set by social media, pointing out that such goals are unachievable for most people due to factors like low average income and limited job opportunities. The speaker advocates for a more realistic approach, emphasizing financial literacy, budgeting, and starting early with side hustles or informal work. Ultimately, the video encourages viewers to set achievable goals based on their unique circumstances rather than comparing themselves to social media influencers.

Takeaways

• 😀 The majority of young Indonesians don't have savings of IDR 100 million by the age of 25, and it's unrealistic to expect that for everyone in the country.
• 😀 Many young people are influenced by toxic and unrealistic standards on social media, which can lead to unhealthy financial comparisons.
• 😀 The average income for Indonesians between the ages of 25 and 30 is about IDR 2.6 million per month, which makes the goal of saving IDR 100 million unrealistic for most people in the country.
• 😀 Financial literacy among young people is low, with only 44% of Gen Z in Indonesia understanding basic financial concepts like budgeting and saving.
• 😀 Social media's influence on spending habits contributes to many young people spending money they don’t have, which hinders their ability to save.
• 😀 Building financial health requires developing good habits such as budgeting, saving a percentage of income, and setting clear financial goals.
• 😀 For the majority of young people in Indonesia, having stable and sufficient income to save IDR 100 million by 25 is only realistic for those with privilege or who live in major metropolitan areas.
• 😀 Starting early in life, ideally while still in school or early in a career, is key to financial success, and many outliers who achieve financial success started young.
• 😀 Budgeting should focus on saving first and living off what’s left, not the other way around, to build wealth effectively.
• 😀 Side hustles are a practical way to supplement income, and can range from freelancing to selling products or services, providing a steady path to increasing savings.
• 😀 It's important to stay realistic and avoid comparing personal financial journeys to those portrayed by influencers or social media, as these are often unattainable for most people.

Q & A

Why does the speaker believe that the expectation of saving Rp100 million by age 25 is unrealistic for most young people in Indonesia?

The speaker believes that saving Rp100 million by age 25 is unrealistic for most young Indonesians due to factors such as the average monthly income being only 2.6 million IDR for people aged 25 to 30, and the limited job opportunities in the country. Additionally, the standard set by social media is often based on unrealistic assumptions that do not apply to the majority of Indonesians, especially those in rural areas.

How does social media influence young people’s financial expectations?

Social media promotes unrealistic financial goals by showcasing influencers with large amounts of wealth, which can create a distorted view of what is achievable. Young people may end up comparing themselves to these influencers, leading to a sense of inadequacy or the belief that they must also achieve such goals, even though these standards are not realistic for the general population.

What does the speaker suggest is a major problem with financial literacy among young people in Indonesia?

The speaker highlights that only 44% of Gen Z in Indonesia has a basic understanding of financial concepts such as budgeting and saving. This lack of financial literacy results in poor financial habits, like overspending and a lack of financial planning, which prevents young people from building wealth.

What does the speaker mean by the phrase 'sisihkan, bukan sisakan' and how is it important for financial success?

'Sisihkan, bukan sisakan' translates to 'save first, not what is left over.' The speaker emphasizes that saving a portion of income before spending is crucial for building wealth. Without this discipline, it becomes difficult for young people to save effectively, which is essential for achieving financial goals like saving Rp100 million by age 25.

Why does the speaker suggest starting early is important for building financial success?

Starting early allows individuals to gain experience, develop skills, and begin earning additional income before entering the formal workforce. The speaker points out that people who start early, such as through freelance work or side jobs during school, are more likely to have the financial resources needed to reach goals like saving a significant amount of money by age 25.

What are some practical side hustle ideas that can help young people build extra income, according to the speaker?

The speaker recommends side hustles like freelancing or offering services based on personal skills. Additionally, young people can explore selling products through dropshipping or eventually creating their own brand. The key is to allocate time outside of regular work hours to build these extra income sources.

How does the speaker suggest young people should approach budgeting?

Young people should approach budgeting with a strict mindset, saving a portion of their income before spending any money. This involves creating a budget that prioritizes saving over lifestyle expenses, ensuring that savings are not dependent on what remains after spending but are instead a planned part of the income.

What does the speaker mean by 'income' and 'expense' being the two variables young people can control in their financial journey?

The speaker emphasizes that the only two factors that individuals can control when building wealth are their income and their expenses. By focusing on increasing income (e.g., through side hustles) and reducing unnecessary expenses, young people can build their financial stability and move closer to their financial goals.

Why does the speaker warn against relying on investment schemes as the primary means to reach financial goals?

The speaker advises against relying on investment schemes, such as high-risk options like cryptocurrency, to achieve financial goals. While investments can yield high returns, they also carry the risk of significant losses. The speaker suggests that focusing on consistent income-building methods like side hustles is a more reliable way to build wealth.

What is the overall message the speaker wants to convey about financial goals and social media standards?

The speaker's main message is that social media often sets unrealistic financial expectations, and comparing oneself to influencers can lead to frustration and disengagement. Instead, young people should focus on setting realistic financial goals, building financial literacy, and creating sustainable income sources, with the understanding that achieving wealth requires effort and time.