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Summary

This video emphasizes the importance of saving and investing smartly to build wealth. It highlights the flaws in traditional saving methods, such as saving what's left after spending, and advocates for prioritizing savings before spending. The video encourages viewers to think differently about money by investing in stocks, property, gold, and other assets, using small, consistent amounts. It also underscores the value of consistency in savings and the dangers of passive, unproductive savings. With actionable advice, it teaches how smart saving can lead to financial success, urging viewers to start today rather than waiting for the 'perfect' time.

Takeaways

• 😀 Save first, then spend—don’t wait for money to be left over after expenses.
• 😀 The most successful people save consistently and prioritize their financial goals over instant gratification.
• 😀 Simply saving in a bank account isn’t enough, as inflation reduces the value of your money over time.
• 😀 Focus on productive savings, not just safe ones, to combat inflation and build wealth.
• 😀 Investing doesn’t require a large sum of money. Start small with digital gold, mutual funds, or stocks.
• 😀 Consistency is key—regular, small contributions to your savings and investments lead to long-term success.
• 😀 Stocks are not gambling. Use strategies like dollar-cost averaging to safely invest in the stock market.
• 😀 Property investment is more accessible than you think, with joint platforms and small mortgage options.
• 😀 Gold is a stable asset and a good hedge during economic uncertainty, but it should be part of a diversified portfolio.
• 😀 Setting up automatic transfers for savings makes it easier to save regularly and build wealth over time.
• 😀 Start saving now. Don’t wait for the perfect moment, as good financial habits lead to wealth accumulation over time.

Q & A

Why is saving from the remaining shopping money considered a bad approach?

Saving from the remaining shopping money is like hoping there's still water in a leaking amber jar. It’s an unreliable strategy because it's based on what's left over after spending, which is often not enough.

What does Robert Kiyosaki mean when he says, 'It's not how much money you make, it's how much money you keep'?

Robert Kiyosaki emphasizes that the key to wealth isn't just earning a lot of money, but managing and saving it wisely. How much you keep and save determines your financial security.

How does changing your saving pattern lead to a mindset shift?

When you prioritize saving first and spending after, you become more conscious of your needs versus wants. It helps you prepare for unexpected events and cultivates the ability to delay gratification for long-term goals.

Why is the concept of 'silent savings' detrimental?

Silent savings, such as keeping money in a bank account, are harmful because inflation erodes the value of money over time. While it feels safe, your money is losing value every year due to inflation.

What is the difference between 'safe' savings and 'productive' savings?

Safe savings typically refer to keeping money in low-interest accounts where it remains secure but loses value due to inflation. Productive savings involve investing in assets that can grow over time, such as stocks or real estate.

How can someone start investing even with small amounts of money?

Investing doesn't have to start with large sums. Nowadays, you can invest as little as IDR 10,000 through digital platforms, such as digital gold, mutual funds, or stocks. The key is to know your financial goals and stay consistent.

What is dollar-cost averaging and why is it important for investing?

Dollar-cost averaging is a strategy where you invest a fixed amount of money at regular intervals, regardless of market conditions. This reduces the risk of market timing and helps manage volatility over the long term.

How can property investment start with small amounts, and what are its advantages?

Property investment can begin with smaller amounts through joint property platforms or small home mortgages. The advantages of property investment include the rising value of real estate and the opportunity to generate passive income through renting.

Why is gold considered a stable asset, and how can it be used in saving?

Gold is considered a stable asset because it tends to rise in value when the economy is unstable. It acts as a protective measure during economic downturns, and small amounts of gold can be purchased easily through official apps.

What is the importance of consistency in saving?

Consistency in saving is more effective than saving large amounts infrequently. Setting aside a small percentage regularly, such as 5% of your income, and automating the process can lead to better financial outcomes over time.