[Song] Hello viewers, welcome to the program. Post Capitalism Life today, Friday, April 28, 2023. I'm with Fern Sattaya. Issara Phakdee. Today I want to please people who are starting to work. First job or people who are just starting out. I just finished it because there were many people at once. That if you manage money well from an early age Started working from the time I got my first job. I believe that my financial life will be much better. After that, whether it's been 5 years, 10 years, 20 years or until I retire, I want to dig in. Please write a poem for this person about a group of people. These are the things that K should know. So I'm going to give you about 10 points here if you don't want to miss any interesting stories. About using energy to make money and giving money to work with Me Up, don't forget to help each other by pressing Subscribe and waiting, there will be. It's a bell that he'll warn you about. Eh, what programs will we have at what time in our house? And is there a live broadcast or is there any video? We intend to take photos and share them with everyone. Please don't forget to help press Subscribe, press Like, and share. Now let's take a look at the 10 things you need to know about money. What are the characteristics of graduating students? Who do these 10 points, I believe, might be beneficial to? Many people, let's take a look at the first point. The first point is considered important and the most necessary. So whether you just started working or not. Are you in school or already working? I want to organize my finances. What I should do is 1, which is to know that we have equal income and expenses. Why? Do you know why? Because normally And we already know that the income of Each month, this is what we get from The company if anyone works as a salaried person Or is it a private sector? I'll know for sure. It is clear how many baht per month is deducted here and there. Let's go, whether it's taxes or some people. There is good fortune for the company, including provident funds, social security funds, or even Some people leave things with cooperatives like they're confused if they go. Deduction is enough to know income, but expenses are the problem. That many people don't know, so if you don't know Income and expenses together will make It's difficult to control expenses and it may cause you not to. When you have money left over to save, sometimes you accidentally lose it. We spend more than we can because we think we have 20,000 baht of hypothetical money all the time. account, but really it's not. I have 20,000 baht throughout the month like this, etc., and I'll help. We can cut out a lot of unnecessary things. Kafun has a market. It can be seen more clearly that Eh, in reality we should put What kind of schedule actually goes into your daily life? It's one of the two schedules just discussed. This time before, it was a schedule. The money that we want to make is whether we survive or not. We are rich. If you look at it, you will see it clearly. This one is tailored to suit people who just Newly graduated, like the inf on the left, this means money in your pocket. I want to give it. Let's take a look and see if our wallet is your account. How many ways do we have money coming in? What categories of money are there? As I said every time. I think I'd like to divide it into a category that uses physical force. Money is income from our work no matter what. From regular work or freelance work? One with income from giving money to work, which is Another side that even though we don't have it yet This is because I just graduated. Haven't started investing yet, haven't bought yet. Real estate does not yet have debentures. There are dividend stocks, there are no dividend funds that will have Passive Income or income from Letting money work into your pocket is okay, but Set this lock because in the end How much is this lock? More than our expenses means we have reached our goal of being rich. That's it, after knowing the side. After income, you also need to look at the expenses side, the Out Flow side on the right hand side. Both expenses Regular expenses such as water bills, electricity bills, car bills Divide it and you already know how many baht per month. You can evaluate it, which I tried to post if. Who said it's not right? I'm about to start. It's a new month, so use the new month. This is what some people calculate today. This is also a salary, so I'm using it today. This is what makes the schedule, 3 working days off. If you can do it continuously for 2 months to 3 months, it will be even better. Fill it all out like this. Let's go into detail about the costs for both types. What are the regular and variable? Some may vary. There will be some shopping and some rest and eating. Buffets and things like this, etc. All these things, try the list, maybe. You can give a rough estimate first, but if it's good, let it go. In the details, some people have debt but I believe that anyone who has just started working may still If you don't have any debt, you don't have to put it down, but you do. You can have this table or not, it's good if you don't. Having debt would be good, but I understand that some people might. Must buy a car to go to work or pursue a career. Or some people have to buy a house in order to to have a primary residence And feel at ease because it's our own home. For example, let's compare these 2 sides. On the left-hand side that we see on the inflow screen, let's say 17,000 baht and on the Out Flow side, it's about 15,000 baht. We can already see that, hey, we survived and we survived. The inflow is more than the out flow. It's simple to think like this, but when will you be rich? Only when we cut off the income from labor. All the money has gone out and the income from giving money. The work is more than all the expenses that translate. That you're rich, which if you just started working, you're not. You have to hurry, you don't have to hurry, the ferns will gradually develop. Go step by step until all 10 points are complete so that we will know. That said, ah, if we want to have financial freedom If you want to be rich, you should increase your income from Giving money to work is exactly what this is. The first thing I want you to do first is receive payments. You need to know how much. Let's go back and do it today. New graduates will help us be healthy. Financial clarity is clearer because today we will Start by checking up before we are strong or not. No, it depends on whether we know or not. What is our status now? Some people don't. I have checked but haven't checked at all so I don't know. Are you really strong or do you actually have Where is the risk of getting sick? See the table. Then you will be able to allocate and control expenses. More including, more importantly, having money. You can save as well. This is the first point. As for the second point, this is equally important. The fern itself really has to be said that the fern may not. corresponds to this point, but Fen must say that being Fern's debt is income from giving. Part of the money works with me. It will come soon. Share it and tell the general public first like this. Think carefully before going into debt. Why do I say this? Because actually, normally, we have income. I got my own for the first time, I really believed it. That many people have a list of things they want to buy. But before I got money from my parents Sometimes it can be weekly or monthly. Or if the daily rate isn't enough, you have to ask. I feel like I'm asking for it. Sometimes I get it, sometimes I don't. Sometimes I'm confused and feel uncomfortable when I have income. It's our own, we can spend it ourselves. As an adult and able to take care of myself, I want to use it. Pay our way to the utmost, but actually That kind of thing might especially increase the risk. If anyone has a credit card, this is a credit card. I'm a little scared. I'll tell you about it later. Let's talk about how it is. Here's how we Should I have debt or not? I want it. Separate debt into 2 types: good debt and bad debt. How do you separate debt? Today, it must be Said that many people should be able to predict this and that What type of debt should it be? Good debt is created. Income and then there is added value. What does that mean? Suppose we buy that house. Normally, if it's a good location or a general location, It's not a narrow alley or a strategic location. What kind of blindness is this? Most of the houses are priced. It will increase every year but it will increase more. Depending on the location, the price increases. The value increases and it generates income. Is it us? Well, sometimes we just use the house. For example, ferns may also use the house for work. Is that correct? Because Fern also broadcasts live from home. It's also a studio, so I sit and work every day. Right from the morning until late at night on some Saturdays. Athit also works like this or not? Then clip various projects, that is, we use the house to do them. Work creates income. Some people use their homes to store things. To send things to sell, some people use their homes to do so. to expand something, such as making snacks to sell For example, if it can generate income That place, that product, that service creates income. Then it can create additional value in itself. This is what is called good debt. There are a lot of bad things, all of them are the same. Contrasted with good debt, bad debt is used. And then it's all gone, whether it's different things. Or has the value of itself decreased? With something like consumer debt? Yes, when I go to eat now I feel happy. Believing that we can buy Now pay Later, whether to eat, go shopping, or go on a trip, that means we Go first, eat first, travel first, shop first, pay first. Later, if it's 0%, it's understandable. Because that means we don't have any flowers. The premium is deposited, it's ok if we pay it, but if it's not 0%, there will be interest, even if it's a little. But please be careful that these debts will cause Let our financial situation not improve. In the long run, teeth like to compare themselves to normal. This wealth is like a blister. This is a bubble of water. It has parts that are added. Come with the part that has a leak, is that correct? Our method is that we earn money by adding water. Come and fuck the table we made at first that said we were rich. Or do we survive? It is to make it visible that the Out Flow is a small and large hole. No matter how much, don't underestimate the small holes. Do you remember when we put in water? And the smaller the holes, the more oil there is. It will only come out with more force. With little expenses or debts It's a small lump sum, but it's a debt with interest. Premium or bad debt. Small lump. Oh my big bump with lots of holes. Even though it's a small hole, it causes water. I've never had a full blister before. Yes, if anyone wants to give alms to monks in 0% installments, this is the only secret that Fen has used all her life. As a result, I've never had a problem with debt. That is, you must have money in your wallet to pay in full and 100%. For example, let's say you want to buy something for 5,000 baht. Actually, we have cash waiting for 5,000 baht. But they have a 0% installment promotion and that's OK. Use the promotion in order to keep the money with you. We get the most money and we still get to work. Or can it continue to increase liquidity for us? We only pay 500 baht per month, but at least we have 5,000 baht to pay and we can write it off. In the account where we will make credit card installments. If we want to buy an additional 3,000 baht, we have to see if we have another 3,000 baht in cash or not, not just pulling it from the 5,000 baht we already have. Set it aside for the first product in installments. Because otherwise we will have more than a single picture of debt. We definitely paid for it, so be careful. Here's a good comparison for you to see. That is, comparing it to see that the time we will build This debt is for you if you want to look at it in numbers. Let's look at the interest we have to pay and the return. We have to remember that whatever is Debt with interest collateral is cheap. It's like he's in debt for his house. Is there perhaps any kind of security we might need? Well, some people also have guarantors, is that right? Or some people have joint loans or something. Debt that is secured by goods or land In this way, the interest rate will be a little low, but the debt that is not What is the guaranteed interest rate that is usually high? Credit card personal loan like this interest The premium is very high, definitely 2 digits, but more than 10 or 20%, depending on the type. If we compare the costs that we have to It's a bad thing, swiping the baht on credit will definitely incur interest, 16% per year if we don't pay directly. This is what they charge from day one when we swipe and then calculate from our full amount. Swipe it and compare it with the rewards you get. Will there be any? What products and services does it provide? Returns of up to 10 percent per year. I have to say that it's very difficult. You have to be good at investing like Grandfather War Buffet in order to get something like 20% per year. But that is, he's dedicated his whole body and mind. His time and life are invested in it. But when we buy our products, we will get them. Is that a return or return? No, this requires asking quite a big question. I have an example: if we swiped the card for 10,000 baht, now the point is that if we only pay a minimum of 10%, it means we pay 1,000 baht per month indefinitely, not paying the full amount, you know? I don't think we have to take time. Well, 10 months is more than enough to pay off everything, but it's not paid. It's just 1,000 exactly because we have to pay more. All of this has an interest rate of about 88% at once , so don't be careless. Swipe the card to pay in installments and pay the minimum amount like this is not possible. It should affect us a lot, a little bit of interest, even though 88% of 10,000 is really only 8800, but don't forget that this is a lump sum. It keeps adding up if the interest can compound. debt of interest interest that is interest Debt can also be compounded, so Be careful and think carefully before going into debt. There are some things. People say that having no debt is best, and they're right. But I'm not saying it's forbidden, that's what Fan believes. For example, there's no way to buy a house. Can you buy cash if you don't have it? If you have that much money, you can be in debt. But if you want to be in good debt, see that it creates income. Is there any added value? This is point number 2. Let's go look at point number 3. It's better than point number 3. I want you to save before using, at least 10%. Why do you have to save before using? Because in It's true that all of us, if we Do the first step and we do the income and expenses and know how much info Out fl we will know. So how much money do we have left? Is that right? But for ordinary savings, it must be said that it may It's not very suitable because at present. There is an opportunity for us to save and get interest. A better pawn than Fae, let's compare it like this. Then let's go look at the next slide. It's telling us what the first example is. No, we made a table showing whether we were rich or saved. We can see that the inflow of 17,000 baht of money into our wallet and 15,000 baht of money out of our wallet means how much money do we have left? It's estimated to be around 2,000 baht per month. Fen thought roughly beforehand to get this number. It's an example of every case of 2,000 baht per month. Look at the left hand side first. The left side says What does it say if we leave a savings account? Normally, when I tell you to collect money, I collect it. Put it in savings. Keep it normally. Interest rate is 0.5% per year. After 1 year, 122 24 is 24,000 baht. Is that right? After 10 years, this money will become 240,000 baht. Now if we leave it. with savings Ordinary wealth, the interest will only be around 6,10 baht. That's a lot. From 2,000, got 6,000. Okay, but cut the picture back. Let's go look at the right side a little. I want everyone to have fun. Especially for those who are starting to work, open an esaving account. An esaving account is just a savings account. It's electronic, similar to a savings account. General assets but no account book And I don't have an ATM card because every day We are transferring money manually. I already have Mobile Banking. It's similar, but these accounts have... The good thing is that when they do, there's no need for service. Must serve customers, no need to have branches for customers He went in to do transactions because Yai will open an account 100% online by himself. No need to have a passbook, no need to have an ATM card. Things like this will reduce costs. Those expenses that can be reduced are given as The average interest rate for depositors in a Saving account that Findu has is interest. The premium is approximately 1.5% per year. 1.5% per year if we deposit 2,000 baht per month as usual, so use exactly the same principles. After 10 years, with 240,000 baht, we will receive interest up to 19,000 baht. I see that there is a difference between 13,000 and 13,000. Where does it come from? It's purely from interest, going from 0.5 to 1.5%. Especially if someone is a little diligent, that is, like a person. Diligently, this is the method, and it's late. It's worth it. If the kids have eing, they'll do it like this. The first part of the first 10,000 goes to open LH first because with LH, the bank gets 6% per year. 30,000 later goes to open the bank because 30,000 gets 3% per year. What's so stupid? After that, gradually go through the steps. Which is the minimum and maximum for each credit limit? For the best interest rate, deposit that one first. Gradually increase the steps but don't get confused because that there will be many accounts like this depends Convenience and the average rate is 1.5% before it will do it for us. From what if Leave it in savings, after 10 years, 2,000 baht per month will become 24, 6,10, but if you change it to efy, this money will become 29,000 baht. Did you see that the money It increased from changing the deposit location. That's all. Let's see. You can do it. It's not difficult at all. Whatever esaving is, just search and see W Me Up. W me up.com, we will always update your esaving account in Every month, I go and see. You can get information as well. This is the 3rd point . Save before using at least 10 months. When you start working, it will take about 20-30 % because at that time you have to accept it. that it doesn't have many modern temptations Nowadays, social media doesn't make it happen. We feel like buying things is not that easy. Social media cannot transfer money through I can use a mobile phone application like this. Each time you have money, you have to go to an ATM and use cash or It's not a credit card, so it's hard to spend money. I understand that nowadays many young people feel that It's easy to pay and it's so flexible. That table, the first item, will help us. This one is item 3. Don't forget to save first. Use at least 10%, point number 4, let's continue. That is, many people want to know how to start. From what? The easiest answer is to start with money. Emergency before emergency money is emergency gradually. What does it mean when we use emergency? For example, we are sick. Can't work but need money for medical care Yourself or your parents or keep it? Use it to live and eat because we may lack income. At some point in time, such as Ngie, etc., that is, if not If you use it and can't continue living, this is money. It's an emergency. I want a new phone. This one doesn't work. It's an emergency and I want a new bag, this one. It's not an emergency, that is, if you can't go on with your life. Is it really possible in cause and effect? But if we Emotions are measured here, depending on the person. I want you to focus and say that you want it to be an emergency. It's equal to an emergency. It's not an emergency. I want it right now, this is emergency money. How much should there be? I must say. Normally, if according to general financial planning principles In general, it will be 3-6 times the cost. per month, eh, how do you know? Go back to the point. First, we have already made a table to see how much inflow and outflow we have. Out Flow is what we have roughly done. 15,000 baht means that we must have emergency savings. 15,000 baht multiplied by 3 is 45,000 baht or multiplied by 6. Or equal to 990,000 baht, what does it mean? It means that if something unexpected happens, there will be no work. With no income, we can stay on for at least 3 months because it's 3 times the cost. Or you can stay for 6 months because it is 6 times the cost and it will be 3 or 6 depending on what depends on the stability of your job. Yes, some of them are quite confident government officials. It's still there. You can keep it for 3 months. But some of these people are private sector employees. Must keep for about 6 months because Not sure, maybe higher, especially in this era. Working is not as easy as before. I have been in business for 8 years. I must say that this year has been more difficult than in the past few years. The past Covid events were not as difficult as this year. Yes, there are a lot of obstacles, but It depends on the industry because The worst thing about COVID is whether it's cheap travel or not. Hotels, restaurants, spas, airlines, but today Come back and it's each round of the cycle. There will be uneven cycles of economic ups and downs. We also have to look at the economic cycle we are in. Which one is recovering, stable or is it going down? How risky is it for some people to be freelancers? You have to keep more than 9 months or even 12 months because we may have uncertainty. They sleep higher than people who are full-time employees. Ngee etc. The first thing is to start. Save from emergency money first. Save this lump sum. When it's complete, don't forget to put it in esaving as well. To at least have flowers, hurry it up. We reached the goal quickly after that. Go to the next point and start investing quickly. I listen until I'm bored. I think many people listen. And listen again, but it's still important and necessary. With so many people starting to work, why do we have to invest? It's fast. Do you know why? Because we have Being enviable is a lot more common than others. And if we have been working for 10, 20, 30 years, remember that we started slowly. It's the time when we can't get our wealth back. Wealth or wealth has only 3 variables that can be combined to bring it back. To get rich, 1 is the principal money that we Put it in so that it grows. 2 is the return, that is, where do we put the money? Put it in savings, 0.5% per year, put it in esaving, 1.5% per year, or invest it. Money works a little and you get a lot of returns, maybe 3, 5, 7, 11% per year, depending on experience. Investing depends on the assets we invest. The capital depends on the risk we can accept. The principal amount and returns fluctuate. You can always do it. Why? Because if we As the salary increases, we put in more principal. Is it okay to increase? We don't have to save just 2,000 a month. If our salary is 30,000, why would we save 2,000? Some people like this, etc., with a salary of 450,000, they can save more and get the principal. You can get higher returns as well. Because if we start from just Shifting this money through savings to E Saving, it went up by 1%, which is, well, not right, it went up by 1%, or to put it simply, it went up 3 times from 0.5 to 1.5%. That means the result. The compensation can go up, especially if we have Know and understand how to live in the investment world. The house is good enough and has studied enough information. It might even increase to 4 5 6 7 8 90%. That translates. that it can be added, it is considered something You don't have to rush, you can take your time. It's the only thing that doesn't have anything added. What is reduced is the third variable, which is time. This time has passed by 1 day. That we can't take it back The only exception is that we live longer. That is, the money we have to spend more and more. Is it so? So let's not count on it. We will continue to live longer so we will have time. Continuing to invest, part of it is cheap but it will be done. Let us have to spend more and more money as well. As well, so the principal and time returns are remembered. So time is the only thing that doesn't add up. But it's a discount. I started investing early when I was in my 2nd year of Wilai studies. Luckily, I got into the program. Training of the stock exchange in collaboration with the association Promote Thai investors, investor project name I understand that the new model doesn't exist anymore. They've had it for 10-20 years, but now it's all okay. Things have changed, but the information is online. There are a lot of them, but before, there was no information like this. When we do this, we have to study it ourselves. Go read books and listen to lectures at the main market. What kind of wealth like this, etc., in Germany, there was a method. There are tools and a lot of information to try. Choose the one that suits you and then study and gain knowledge. Okay, now people have to look at the numbers so that we can see. Why do you have to start early? This shows that times have changed. How does this make our money grow? Sometimes, as you can see, this one is the original number. As I said, use the same numbers throughout the day. So that we can compare clearly. What is the left side? The left side is when Fen said. that the money should be taken out of normal savings Here, let's transfer to efy to get interest. It increased from 0.5 to 1.5%, which is considered good for saving emergency money 3-6 times or 9 times the monthly expenses. It depends on how stable our work is. If it's a lot, you can keep a little, the more unstable it is. You can collect a lot. After that, try to see if If we shift money to find opportunities and put the money to work Through investment, on the right-hand side is us. At a young age Naofan believes that if people start to do Most of the jobs are over 20 years old. At this point, do we need to invest? Safe and secure, the question is it's up to us. It's true that some people may feel like they're taking risks. Not at all, I don't want the red one to stay in the portfolio. It may not be in our account like this. Suitable for investment, but I believe that the 20-year record of investment in the US market itself or Read the Pu Thai market yourself if you can invest continuously for at least 10-20 years, which if we invest for No matter how you retire, the chance of losing money is almost 0, so I want to. Let's take a look and say, eh, stock funds. The world that fans have put into this is the Global Equity Fund. In our country, there are many. 10 funds, so I'm not sure if it's even 100 funds or not. I've already looked at it. Actually, there are 5 funds that have made an average return of 7-9 per year in 5 years. Years ago, so 7% per year is possible? You can go. If it's like that, the rewards will be How is it from the interest esaving that we hope to get about 19,000 and 2,000 baht per month continuously for 10 years? But believe it or not, if we Change this sum of money to invest with a return of 7% from world stock funds, which actually exist. In the past 5 years, there are approximately 56 funds, 7-9 per year, the returns will increase. 9 jumps from 10,000 baht, up 5 times from 20,000 to 18,000 baht. That means the principal plus interest is 34,800 baht at once, from a principal of only 240,000 baht. I see that this is a miracle. This time is only 10. If you multiply this by 20-3 years, your portfolio will grow even more. More than this, too, asking how much it cost to have teeth. Let's share the numbers for 20 years, this money. This will become the only return. Well, the principal is multiplied by 2, that is, from 240,000 10 years multiplied by 2 20 years, it's 480,000 like this, etc. But this is the return. From investing in the World Stock Fund to work for you. We have a return of 7% per year and it will become 56,000 1,000 baht. That means the principal Plus interest totals almost 1, 50,000 baht. Hey, from 2,000 per month, it's possible but If we could invest longer than that, say 30 years, the return alone would be equal to 1, 700,000 baht. When combined with the money Start again and it will become 2, 450,000 baht, almost 2, 500,000 baht from 2,000 baht per month. Can you do it? Go back and ask yourself. Let's see if we can invest faster. This is number 5 that I want to invite you to think about and do. Because if you think but don't act, after 1 year the chance will decrease as well, Fern. I once did a survey for seniors who are 560 years old to give some advice to the new generation and found that the main This is said to start investing quickly. Having said that, your greatest advantage is time. I repeat again that there are only people who are jealous because So use what others are jealous of. It's beneficial to your own finances. This is point number 5, already halfway through. Let's move on to point number 6. Point number 6 is about retirement. Fan had a chance to talk with There are many new graduates who have just started working. When I told him to talk about retirement, I would tease you again. There's no need to hurry when setting the water, but I'll tell you. Don't be careless because time has passed. As before, it is something that has never gone away. I'm going back, and it's important that when we Let it go continuously and it will cause things to happen. What was once an opportunity has become a risk. Such as the opportunity for us to invest and take a little risk. It takes a long time to get returns. It's a little quiet, not losing anything like crazy. It will be an immediate risk because if we Going to invest near the Kasetsart University, we will invest with risk. It can't be too high because we will have to accept the fluctuations. I don't often get an increase in the date. Our assets that we don't want to lose. And with the time it shortened from the uh The time is close to our voice that it draws in Like this, etc. Therefore, it may change from Positive in childhood to become Negative in adulthood. There are numbers to share so you can clearly see that. Eh, if we set this goal, let's make it round. First, let's add and subtract. Let's set the goal for you. Everyone today who starts working intends to save 5 million baht. Why does it have to be 5 million? Where does this number come from? I don't think like this. I didn't tell you to take 5 million and use it after retirement. Until death because if that's the case, we won't have much. I'm happy and don't dare use it because of some people. Don't know when to go. Some people rush to use it and are afraid to go. It's fast, but in the end, oh, all the money is gone, but still? If you don't go, don't be silly, etc. Or some people are like, oh. I didn't dare use it and in the end I said okay and I was going to go. And oh, if you know this, it's better to hurry and use it. Worried about the lump sum that is slowly disappearing? Fern's work when you just started. What's the job like if you study finances and watch the me upup clip and you can get into capitalism? I guarantee that after seeing the picture, I will definitely do it. Sleep or if anyone wants to be a little more practical and do a 10-day series, I have to set aside time. Please go and look at it for 1 hour a day, for a total of 10 days. If you don't go anywhere during the holidays? Sao Rotit isn't going anywhere. Let's go take a look. You can focus on that. Now, back to the story. Why does it have to be 5 million baht? 5 million baht. Think about the time we have with education. Investing makes us understand the investing world a lot. up, and therefore, when 5 million baht was received, we immediately took You can continue investing even after you retire. I didn't say that. That as soon as you retire, you withdraw all your money into savings or savings like that. It might not make much money. Enough, but if we give money to continue working Because and on average the returns have decreased a bit. The risk has gone down a bit and the returns have gone down. It comes down to about 5% per year, 5 million baht. 5% per year is equal to how many baht you get in one year? 250,000 baht should be enough. This is a rough idea. I didn't think about inflation at all. Just a rough idea. Before asking, 5 million baht gets 5% per year to 250,000 baht. How many months do you spend? It's about 20,000, almost 21,000 baht. This is a good idea. Let me give you a rough idea of if we can handle this from the beginning. Like this together, but if you feel like hey, it's a lot. If it's too small, try adjusting it for yourself. Make it a doll before we can move on. With this 5 million baht, we will have to start investing. Either way, the names are different. The starting principal amount is different. This is the answer. What is this number? The left side is your age. People who start investing on the right side is the money that You have to spend per month for the same goal, which is 5 million baht by looking for liver results instead of investing at about 7% per year. Asking how much money do you need for 25 years? 3,000 baht per month. Hey, okay, 5 million baht is possible. At the age of 60 years, but if you are 30 years old, the money must increase and become 4,500 baht. At the age of 35 years, the principal must increase. up and will be 6,600 baht per month, at age 40 the principal must increase to 10,00 baht per month, at age 45 it must increase to 1,600 per month, at 50 years it will be 32,000 and if it is Starting near retirement in 5 years, retiring at age 55, must put in 72,000 baht per month so that in the remaining 5 years it becomes 5 million baht. Have you seen that from 3,000 on the day we start working if we don't do anything? related With retirement, you will have to spend money to put in up to 72,000 baht. Wow, that's a huge difference. We can wait until that day. We can wait because That day, I had an income of 300,000 baht per month. OK, electricity doesn't matter, but there is another risk. One thing is, if we have 5 years left, will we dare to invest in world stocks? Will we be confident that the change will change? Fluctuations in the short term of 5 years, we accept that this happened in the 5th year . It's been like this for the past 2 years, namely 2022 when stocks fell heavily and 2023 when stocks still haven't recovered. How much did it come up? Will we be able to accept this when it gets worse? In short, the risk we can accept will be less. So it's better to start today because In the end, we really don't know what it will be. What will happen in the future, especially if anyone collects the money? Then Fen believes Fen says to start with a small amount of money, 2,000 baht, 3,000 baht, 1,000 baht. Let's start, but trust Fen, once we save it, we See, we really study this matter and you will know. There will be more encouragement to collect because At the very least, we will see that there is Better than not having a lot, more peace of mind than having a little. Investing makes us see more opportunities than opportunities. Risky if we invest long enough like this, for example. Now let's move on to number 7. Before going to number 7, many people now ask, What should we invest in? Really, Fern Fern. I can't tell you the name of the fund. Because it is a rule that we will not You can say a name to introduce something like this, but that the thing that should be done is to go and see if anyone has just We started with a goal of 5 million. in mind and let's go look at eave, uh, ecl fund, ecl fund, similar to E Saving, that is, it's a method that doesn't say that it's deposit money as well. It's an investment in mutual funds. It's risky, but it's also E, which is Electronic Class. That means you have to open an account 100% online and trade 100% online. You don't go to buy at the new branch. Do you have a passbook or something? Well, they call this a mutual fund book like this. For example, this is the ecl fund. The advantage of it is that it is worthless. As usual, right now there are 2 places: LH fund online and SCB am Fun cick. Try to find information. There are Global equity funds in there too. It will save you money. Yes, but they have a cap of no more than 1 million baht, sometimes no more than 2 million baht, for example. Right now there are only 2 places, so I can tell you about it. Ask how good it is that it will save on fees. What's more, if we invest for a long time, 5 years, 10 years, 20 years like this, it will prevent us from having to go. If you pay a lot of fees along the way, it will be done. Let that money go into your pocket and into your portfolio. I'm more full. That's what I want. I'd recommend it if anyone wants to start studying ecl funds. But if anyone has a way. Otherwise, let's move on to point number 7. It's better than point number 7. That's what we have to do. That is, we usually have to study taxes. People who are new graduates will feel that The issue of taxes is so far away from us that we don't need to study it at all. Some say it's difficult, but it's actually not difficult. To that extent, if anyone works for a company, you can ask HR or ask seniors, they will have advice. You can either already or go to search. You and I have a lot of information about Regarding taxes, it is correct as well. What we want to invite you to think about is taxes. Who is a new graduate and who is starting to work? This is why we may not know that we are requesting a tax refund. Yes, it's normal, just submitted it, right? The annual income is during the first 3 months of the next year, we must submit income. Well, with the Revenue Department from last year. This method is actually what we ask for back. Yes, some people don't have a base salary. This criteria is if by chance we have interest. We have taxes on dividends that are lost, regardless of whether they are paid. Individual stock fund capital or even an event We pay taxes to those who pay something stupidly. Actually, if our income does not meet the criteria, we will ask for a refund. Taxes are given, which is money that will be returned. Came into our bag again, so Don't neglect the issue of taxes. That is, if anyone starts to have a higher income I feel like hey, why sometimes we don't feel that? We pay taxes, but the salary that comes in is not. That's the full amount. It's the tax that HR has deducted from the accounting department first in order to We don't have to go too hard at the end of the year when they cut it. And then keep sending the Revenue Department to us. But in reality, if you try to look at the income that They summarize it for the year. Let's say we have an income of 500,000 baht. Let's say there will be one box. that the taxes that are deducted and deposited are actually there It should have been our money but it was deducted. It has already been delivered, so the method is that we can request a refund. Yes, by using the rights that we have legally. For example, regarding the deductible, if you buy SS prim, you can buy life insurance. Health insurance and pensions are fine, or you can make a donation. You can use, uh, parents. It means if You are no longer working and have no income, more than 30,000 per year, this is what you have brought. It is our right to give us discounts. There are many channels that help us draw money. Our taxes that have already been paid are returned. Our bag is where we've made it or not. No, don't neglect this matter, try to study it. Let's see and go back if anyone wants to post. When you get capital, you feel like hey, we're starting to pay taxes. This is if it's Fern's advice. We intend to invest to plan for retirement. It's already long. If it can be really long, like 10 years for SSF, age 55 years old can withdraw it, for RF then take the lump sum that we want to invest. Let's go use our tax rights first because it will give us 3 parts. 1 is that we will definitely invest cheaply because we Take the money to make money, let the money go to work. 2 is that we get tax benefits by bringing This lump sum can be used as a deduction. Money back if we get a tax refund or Or at least it makes us pay taxes. Increase in smaller amounts if we have to pay Added because there are these deductibles. The net income is lower by 3, meaning it is also a retirement plan because it How long will it take before we can withdraw and lock the money? Like this etc. So study about taxes. Please don't ignore it and don't overlook it. Thinking it doesn't matter is difficult, it doesn't matter. If we think like this, we will receive benefits. Every year, every year, the more income increases every year. Benefits we should get from tax refunds It decreases, decreases, it will cause the end. In the end, we lose the benefits that we should get. Yes, this is another matter about taxes. Yes, it is welfare. Check and use it safely. This is my personal tooth. I'm the type of person that I am. I like checking because I'm in the financial field. And then Fin's method, when checking, Fin will ask HR if the company has it, if not then just ask. Is it the elders or not? Ask the person who received us. Come in, he already knows. What benefits are there such as social security? How good is social security? We can go to the dentist. Well, for 900 baht a year we can go to the doctor at the hospital. The nurse that we have chosen and used. Most of your social security rights may be lost. Little money or hardly any money at all if I'm sick and I have it. If anyone plans to have it. What kind of baby is this? It's going to cost money to deliver. What annual and monthly child support money does the child have? This is also true if we change jobs. In the meantime, he still hasn't gotten any work done. There is also money that we can get from unemployment. Or if someone is fired from work, they will get money. From being fired from work, see? Social Security covers a lot, out of the 750 baht per month that you actually lose. There are many things and they are important in the future. It's far away if we work continuously. Will we receive pensions from social security? There will also be a reward if you don't meet the criteria he set, which is 180 months or 15 years. What's important is whether we know these rights or not. This has a pension from Social Security, which is good. Do you know that if we work for 15 years and stay in social security for 15 years or 180 months, we will receive a pension of approximately 3,000 baht per month until the end of our life? Don't be alarmed if you come with this money, but don't forget. Please check your rights as well. So if anyone Working full time and suddenly quitting? Coincidentally, they let K let us out, no? Already in social security, move on from section 33 to section 39 to preserve your rights. I put it here because other sections do not. Pension, only 3339 is available . Don't forget that it's really important. This is the first part, but if anyone can work for a long time Moreover, Fern can't remember the year. Fern has calculated that there is a formula for calculating insurance. This is society. I've studied here if I've been doing it for a long time. The best thing is to take it easy since you just graduated from work. And stay in the social security system until you retire at age 60. You have the opportunity to receive a pension of over 7,000 baht per month if you haven't met the criteria yet. Change the note first because there may be Changes in the future, 7,000 baht per month, hey, that's not a lot, we can live life just fine. Especially if anyone lives in another province too. This lump is considered very meaningful and is not covered by insurance. Society is really valuable to us, but we don't. After checking, you may forget to use your rights. So the most important thing is to check and use it. Another privilege is those of, well, funds. There are actually more people than not who reserve a career. There is because there are only 2% of companies in Thailand. Only if there is a provident fund Whoever has it, please choose the right policy because That we invest for a long time, we have forgotten the policy. Invest for a long time and get the opportunity to get returns. It's a risk that we can accept. If we can take it, You can invest with full rights of 15% on the rights of those who put in savings like employees. You can put in the full 15%, depending on the company's policy. The company will help us collect money directly. This is possible with the other part, group insurance. Many companies already have it for their employees. Let's check what rights we have, for example opd is an outpatient, assuming there is an accident, go and see. The doctor was just like, uh, go in the morning and come back in the evening like that. Can I get a refund or if I'm in the hospital? How much can you withdraw and if there is truly a force majeure event? It's like having an illness that requires serious treatment. What kind of cover cost is it and is it worth it? Are you at risk of serious diseases or not? What did you get when you died? These guys, the good thing about it is that it makes We know if the rights we have are enough or not. When we will be able to purchase additional insurance. Whether it is life insurance for the people behind you Health insurance to cover expenses More than what we get from any group insurance. Ngee, etc. The younger you are, the more likely you are to That's right, so try to study your rights to make it worth it. Or some people have cooperatives, which is interesting. Cooperatives, many people will think about borrowing. Money, but I really like the dimension of saving money. Buying a lot of cooperative shares is fun, used to be in the market. The assets of Thailand at that time were cooperatives giving returns of 45% per year, which was not low at all. Somewhere Fern went to lecture about For money, some cooperatives give 6% and 7%, and I'm happy. So I said, hey, you've got rights like this. Taxes are also a no-no, right? It is considered a very good right. For the organization he gave you, so do you. Buy cooperative shares and get a 67% return easily. Why not just go and check? whether it is stable or not, and the condition How is it fluent? What is it like? The welfare of these people has been checked and used for them. It's worth it because no one will have it. Being a salaried person has many advantages. Actually, it's envious, but we might. If you overlook it, it's not worth using your rights. Let's look at the other 2 points. Well, number 9 will be about making a rich schedule. This one is similar to what we have. We talked about it last time and it was about 2 money schedules that affect how you live your life. Fern gives an example. Why do we have to do this? Because of this rich table, the right-hand side will It's the asset side. Let us see that. What types of assets do we have and what are their values? How much, how many, and now How is it? Including our costs. How much is our profit and the left side? Being the debt side of the Yea assets table helps. What helps us know that each year we work You can ask yourself, who has been working for 2, 3, 4, 5, 6, or 10 years? Do you know? It's not that each year we get richer or we get poorer. Believe it or not, before making this table, Fen believed that No one knows. We'll make a rough estimate. We all do. I will say this that if you know roughly, there is a house behind it. One has a car, one has a fund, one has stocks. A little more, there's a little more etf, something like that. Ngee has cash and gold, but believe it or not? It can't be said in numbers. In the end, we don't know how many kilos I have. The problem will arise because we don't know. Whether it's enough or not or it's still far from the target How much more does it mean? Suppose we hit the target of 5 million baht like we set from the beginning. You'll know that when time passes, Yes, we checked the timeline: 1 year and get 10,000 baht, 2 years and get 30,000 baht. Hey, the speed is already slow. We need to speed up a bit to save. Please add a little something so I can know. Then you will see your own financial health. Let's make it clear because if we everything is Being in our head won't make us able to clarify, that is, it won't be so clear that it makes us Nie uh, sometimes I'm not sure eh right now What is our status? I'm not sure about spending. Or sometimes they spend more than their actual status. Ours is because we don't really know the numbers. Just take this once in a while, capture this and then go do it yourself at home on Saturday and Sunday. This is a long holiday next week. It's good to use the holiday because it will be quite It takes some time to do and once you do it, you'll feel a little discouraged. It will feel like oh, it's not finished yet. I want to start from the beginning because the children I just graduated. The good thing is that my schedule isn't long. Right now the table is very long because we have many types of assets. When it's not long, it will be there. Encouragement when something new is added. It will see it and then do it as Excel. Then we update it from sheet to sheet 1, April 2023, sheet 2. Let's say we work hard for 3 months to do something like this. I'm here to update or if anyone doesn't have anything. It has changed so dramatically over the years. You can come and do it sometime, you'll see a lot of it. It collects all assets and debts. Assets minus debts, saw the internet and said we agreed. How much will I owe if I need to use it? How much do I have that I can use? Whether each year we become richer or poorer, we know that Are we close to our goal or do we know yet? Do I have to adjust the installments? And most importantly, know that we Are you on the right path? This table is very important. Whether you recently graduated a long time ago or are hung up on Retirement plan because it will show us that Is it really possible to retire? This is it. The asset table part, and finally It's not about investing, it's about doing. This work is very important. It's a personal fern. Fern's experience. Fern will say that someone who is 20-30 years old might be 25, but some people have been working since they were still in school. I'd say you work hard. Fully loaded, no need to be afraid of anyone taking it. It's an advantage because of the whole experience. It's up to you. The harder you work, the more you do. The more challenging the job, the more you work at it. As difficult as it is, remember that it is. Why is it a very good time to pick up the chopsticks? Do you know? 1 is that we have strength, we have a lot of strength. In doing that, Fern used to work on That's Fern's first show. It's similar. Right now, this is the first program when Fen was on the Mony Channel. It was 7:00 AM. Of course, he woke up at 5:00 AM and then, well, left the house. Or maybe it was 4:00 AM. I remember the first time, Fen. Wake up at 3:00 a.m. 3:00 a.m. The first time that Fen got to host a 7:00 a.m. program on the Money Channel because we were excited, we were. I'm a newbie and I'm like, uh, the experience of I can't read the news quickly, so I have to wake up early. Hurry and go early in the morning until 4:00 a.m. to open the office. Please don't turn on any lights and just sit and read. Crazy because there is news both in Foreign countries, and sometimes there are The urgent news that we remember at that time was during the 2008 period and there would be stories. There are a lot of things in America. Don't be confused. Oh, it's considered to be working even before dawn. So it still wasn't bright until I went to study for a master's degree. In the evening, there are some days when it's fun to go and study calling inside. During the working day as well, some days Knocked and knocked too, but we can handle it because we're still old. I'm not 30 yet, which Fern asked me to come back to. Do you know why I'm going to do that and do that? Because when it goes past 30, it can't go past 35, and the force is less even though we want to do it. Our body isn't able to fight anymore. Today, every day, Monday through Friday, I wake up at 4:00 a.m. Isn't it like live? Monday, Wednesday, Friday, live at 7:00 p.m. is blurry. Some days it's a little blurry because it's not. Take it slow, even if it's while you're sleeping. I have to sleep because otherwise I can't listen and I'll knock you out. Of course, and on Saturdays and Sundays it's like relaxing. I'm full, but I have to admit that I'm strong. It's not the same even though we really want to do it. There are a lot of things in my brain, so I have a list to write down. Wow, it's 10 things each day, but it's... I can't take it, so anyone who is young should do a lot. Do it to your fullest, don't have to hold back your strength, don't have to hold back. Challenging, don't be afraid of time, so put it in your work. Because it will be a very good experience. And it will accumulate as Value in us in the future. The second advantage is that there are people ready. Forgive me because I'm young. I just started working on my own and it's okay. If you make a mistake, there is someone waiting to coach you to make it happen. Mentor advises you to forgive mistakes but you're 30 and he won't forgive you anymore, Yumi. Having worked experience for 56, 7, 8 years, you will be wrong about the same thing or not have Lesson Learn at all. People will say 1 that they definitely don't trust, that it will be difficult for you to grow up, and 2 that they won't. It's easy to forgive. Because if you shoot, it works with the same skills, right? Because you've already had that much experience. That is, mistakes will become wounds and It won't become an experience. For people who are old enough to do it at a young age. Hey, try to give a lot, and if you miss it, you still have it. People are ready to embrace you. That also creates experience and is the value that is within us. Try to choose a difficult job. Don't choose. Any simple job that is easy, anyone can do it. Guaranteed. That you will get a small amount of money, this one says. To be honest, the easier the job, the more people can do it. The income will be less the more difficult the work but there are many people who can do it. Well, the income will be average, medium, cheap or medium? But if the work is difficult and few people can do it, then if What kind of work is it that you have to be only you? It's really difficult, plus no one can do it except. Your income will immediately increase. Come back and take a look. We are accumulating experiences that make us Is the work difficult and not many people able to do it? If you want to have a high income, you have to do that. To be able to achieve something that cannot be achieved, it must be used. Experience takes time, it takes accumulation. It takes action, it takes self-development. Without stopping, this is 10 years. It's the best time to be full of it. And I guarantee that you are still confused. It's not difficult to be successful. These are 10 things about money for working people. Let's repeat this one more time. It's been a while, but I'll be happy to go quickly. With the slides that go through each item one at a time. The first thing is how much do we have to pay? Don't forget to make a LINE schedule to receive expenses like this. Inflow Out Flow like this. 2 means think carefully before going into debt. Is it good debt or debt? Bad debt, good debt is that it creates income for us. Its value increases in itself, like house debt, obviously. The most advanced one, number 3, is to save before using, at least 10%, 20%, 30%, the more the better, or you can use press 802. Normal income, use 80, save 20, extra income such as a bonus, use 20, pay 80, etc. It will allow you to save money. faster because when we save money, don't forget to E Saving and start saving from Emergency money, this is the 4th emergency fund, 3-6 times your expenses, keep it in eing. Start investing quickly because time is your friend. The best of investing is worth it. The most envious of young people, don't. Careless about retirement. Number 6 is telling me that retirement is not as far away as you think. It didn't cost as little money as I initially thought it would. It's better if you want to start with 3,000 per month or you want to wait to start with 72,000 per month. You can choose. Number 7: Study taxes because taxes themselves. It will be another part that helps us manage. Money is getting better. Welfare is available. Check with Use it wisely and make a table like this. The last thing is to work to the utmost during your 20-30 years of age. Today it's good enough. Pa Hom Kho, because it's Friday. And, uh, Fen herself probably used her power a lot over the course of a day. This permission request does not answer the question, see all questions. I see all the points, but maybe I'll ask. Save it for now because you have to save energy. Just keep it strong, I'm not as fresh as someone in their 30s. We'll meet again soon. Once next week, but Monday. We'll stop for a while. Fin might come live one day. It's Wednesday and let's make it a holiday. Happy week for everyone if Whoever has time, don't forget the 2 schedules you already made. It's beneficial to you and don't forget. Share what we find useful with people. Others as well, please press Subscribe and Me Up so that you can give encouragement to the team today. I'm leaving now. Thank you to everyone who was with me. Let's get together and then we'll meet again for a break. Pay installments with Sawadee [Song] Hello, viewers. Welcome to the show. Capitalism Life. Today I'm with Fern. Siratthaya Issaraphakdee today is Monday. After opening the Thai New Year, 17 April 2023, today I want to invite you to come and be rich. Since the beginning of this new year, because of us Most of them may have different careers. It varies but the number that Fern knows is the number. A lot of them are salaried people today. So it's a matter of appeasing people who are salaried people. Please tell me that Aehao will use the advantages of being Salaried people come to increase their wealth. How can you be rich? First of all, if anyone doesn't If you don't want to miss any interesting information, don't forget to press Subscribe and wait for it. There will be interesting stories about its use. Power to make money, always make money work for you every day. This pleases people who are salaried people. As I said, there are 3 ways that we can You can get rich by being a salaried person. Actually, I've done all kinds of this. Starting with it. From being a salaried person first and then After that, I became a freelancer and then became a Business owner along with being a freelancer Go with it, but actually one leg is considered a Salarymen are the same because Fern is the executive of the company. Please consider receiving it as a salary as well. That is considered to have many legs, so I want to Let's share with each other how we will Get rich by being a salaried person. What do salaried people actually have? There are many advantages at once, which are advantages in Each point can be used to increase wealth as well. Same here, who is a salaried person? Please make some noise and let's look at the first point. First of all, how to get rich in the money man's way. What should I do this month? The first thing is Rich from a fixed income, salaried person. This has one advantage that Fern feels. That is the most enviable compared to the profession. The other thing is that the income is certain, that is, you know. How many baht and satang will be credited to the account? This has a fixed income and does not have expenses. What part of the commission is paid? It's different each month. He will get it. The salary is exactly the same now. Get a definite number of incomes. It's not only that because we know the date we The money will come in and you will even know when. Money will come in too because most of it will. It is set in advance and will It's the day and time that we can... It can already be determined as well. These are the good things we should bring. The benefit is knowing that we have money coming in. How many accounts do you know on the day when money will come in as much? Why? Sometimes it's a disadvantage. Likewise, Fen tried to think about whether it really was. There are many people in the audience. Let's try to see who we are. Is it like that or not? The money comes in and goes out immediately. All of a sudden, or some people, the money is ready to go out. Since I haven't entered the account yet, I know. and then the income will come in tomorrow We are prepared now that we will pay soon. Well, the credit card bill is the same as that, the house bill is the same. That's the amount of water, this amount of car fare, that's what Father gave to me. Mom knows how much she saves and how much she saves. What will we pay when we don't have the money yet? I even entered the account, but it's an advantage. How is it still easy if you work for a full month? The money will definitely be credited to the account if the company doesn't have it. What is the problem? It may be different from the profession. Other things like being a relan depends. With myself, it's all about using energy to make money. The more you do, the more you can get sick because you do it. Is the work not cheap? And if you are the owner? The business depends partly on oneself. And it depends partly on the customer. Because the business owner will have credit. Term as well, which depends on some places it's 30 days, 60 days when going to sell work to customers and the work is finished. Yes, to get money, you have to wait and wait some more. Have you ever been involved with some large organizations? Your credit term is so long that I'm shocked as well. It's been 6 months, it's been 9 months, it's been 1 year. I must say that owning a business is not easy. So salaried employees are enviable here. That is, we know for sure that the income will be How much did you come in and on what date? On the right side, I want to invite you to think about whether it really is. Then we can adjust the advantages here. Can be used in terms of finance as well. First of all, when we already know how much money we receive. We should allocate the money for sure. Sleep, for example, we can determine whether we will Approximately how many baht do you spend per month? Percentage of income. Sometimes I press 80 20. Spend 80, save 20. If you can, the sooner you can do it, the better. Or if possible, save before using this one. It's the best, I've listed them in order of income. As soon as the money comes into your account, deduct your savings first. Please ask for at least 10% of the income. Can you make it? For example, if you earn 30,000, the account may be a little over 28,000 depending on deductions. Social Security deducts taxes here and there. If that's true, we can collect from the 30,000 baht, which is good, or 10% from the 28,000 credited into the account, like 3,000 baht or 2,800 baht per month, let's collect it first. It's even better if you deduct it to invest with dca. Then, how much money is left? Take that sum of money. Allocated, the good thing is that we already know. that we have leftover income and deducted from How much is the savings portion each month? This is our method: we have to manage. Let's say that we should spend just a little. Each month if anyone chews a little but Before that, just use this method if you want. Save money in a manageable manner. Pen means divide it. How many days are there? Let's divide it. The number of days is easy: divide by 30 and then remember how many baht we can use in a day or if It feels like it's too painful to think about every week. Okay, let's assume that the sun is round. Let's assume. We have money credited to our account of exactly 30,000 baht. 30,000 baht divided by 30 equals 1,000 baht per day or a week, which is 7, er, 7,000 baht, 7,000 baht. In the past, it was not possible to make transactions. The best way to get online is to withdraw money every Monday, 7,000 baht, and put it in The wallet that week will use money. All from that wallet. It means that after we have already saved too. That is, after we have received the money and deducted our savings and I know I can use 30,000 baht. Save enough. And use it so well that's why I like using this word. That is, save before spending the rest because of your happiness. People are in the process of spending their money now and then. I'll look at it. On Monday, we have 7,000 baht left, right? We can use 500, we can use 200 , we can use 1,200. It's up to us. Must know Tuesday, Wednesday, Thursday, Friday, Saturday. We will be able to use less than 1,000 baht per day and because it was changed on Monday and according to the conditions. The good thing is that if we save money early on Friday, we I saw that hey, there's 3,000 baht left. That means we can go party. We can go hang out. Buy the things we want to buy, we give rewards. You yourself can go see a movie, get a facial massage, or go to a spa. The same thing. If it's like that, it will do. Let us manage money quite well. How to finance it? Fen was used before it was a transaction. 100% online finance like this, but if anyone wants to adapt and use it, just take this lump sum. You can put it in an account that you don't use often and then make a transaction from that account. Complete the main principles for the whole week. Now we will I know that okay, this week has passed, let's go to the 2nd week and see if we can use another 7,000 baht for the 3rd week. Hey, it really is. You can use less than that because for the first 2 weeks we only used 5,000 baht, then we take another 1,000 baht a week, 2,000 baht to save. Can we add more? Can you see if we allocate it? We will know that we really have money. How much can we store? What additional burdens do you have? As some people say, I would like to buy a property for investment. When we see it and say, hey, we only use 5,000 baht a week, we have 2,000 baht left per week, which means that each month we should have about 8,000 baht left, which means we might be able to get a home loan at that price. Can we get a few million baht because we can afford the installments? It's so fast. I got a home loan and I paid in installments. This house is careless if you don't live in it yourself. May be able to rent it out and get income back. Another way to increase income if If we don't manage the money, we won't even know. We can do this. Let's try and see. As soon as the income comes in, deduct savings and allocate the value. Divide spending for 30 days per day. How much per week can you use? Manage it within your budget. Now, some people have debt. No matter what you do with debt, you have to pay it. The method is to clear the interest debt. High first, such as unsecured debt. Whether it's personal loans, credit card debt. Credit like this is mostly high, like 16% or 2 digits, it should be clear. First of all, if we can clear the debt then The rest can be spent if that's the case. It would be even better so that we wouldn't be in debt. Because this debt is compound interest. It's the same, but it becomes compounded debt. I don't want to compound in a negative way. Many people are in debt after that. Something that many salaried workers tend not to care about. The mind is only interested in the month of every December. of the year or during the first 3 months of the new year. That is, taxes because taxes are a matter. That seems far away, it's a story. We are not involved every day, unlike Expenses are not the same as a matter of no investment. It's like the issue of various credit cards. Actually, we pay taxes all the time. Whoever is a salaried person, it's through HR. In accounting, they will deduct our money. We've already taken care of the taxes so we can get the money. It's not a full month because the salary, let's say 30,000 baht, has an insurance deduction of 750 baht. Is that right? Does anyone have a provident fund? What percentage will be deducted? 5%, 10%, 15% and there will be tax deducted as well. Because it will keep us from being too heavy during At the end of the year, which is normally deducted accordingly. Each person's base salary, which if we don't manage Tax from early on, at the end of the year we will use it. Tax benefits whether buying ssf rmf or what kind of insurance. It will be quite tiring. From not having any money to keep, we may gradually You can collect it because you just recently filed your taxes. I know that I have the right to buy. How much tax product can you get? Then plan early, for example, this year we can buy ssf rmf for a total of 120,000 baht, which means 10,000 baht per month. Divide by 12. It means that we are able to use the money, 10,000 baht, to manage taxes. So it's free. It's a good investment, for example. Please use the certainty of your income. It's most beneficial to yourself. It's that when the income is certain, we immediately know. I mean, the money hasn't come in yet, so what should I pay for it? You really shouldn't. You should plan accordingly. How do we spend it without letting it flow? The need to go and eat according to 1 month, 1, 2 months, 2, 3 months, 3, 4 months, 4. If it's like that, we will never get rich easily. Because we will be stuck with spending. with shopping and being in debt Continuously, this is the first thing. Let's look at point number 2, that we will be rich in the money man way. How can months after after we have advantages? Regarding stable income, number 2 is that we should be rich from managing our time well. Yes, another advantage of Manunge is time. Of course, at least Monday through Friday. Working on public holidays also gets a day off. Saturday and Sunday are definitely closed. The important thing is that we know the time in which we will work. Because each office has a time to enter and leave work, such as 99:00 hrs. 18:00 hrs., it depends. Sometimes it's 800 hrs. 17:00 hrs. or 99:00 hrs. in the morning, leaving 19:00 hrs. 20:00 hrs. Go which way Little do we know the exact time, but there are some questions. The same disadvantage is if some people don't use it. Benefits from managing your time well They will think that the time remaining from Not working is the time when we can use our freedom to the fullest. A place to play, shop, watch movies and listen. Song: Enjoy life to the fullest. That kind of thing is not wrong, I can tell you. that each person has different goals, but if The goal is wealth, the goal is The goal of financial freedom is to be rich like that. It will cause you to not reach your goal quickly. That's it. Come back and ask yourself if we want to enjoy the present and then get tired. a little in the future or are you already tired today? The future is comfortable. If you want it to be the latter. The method that I would like to recommend is: Use the time we have left from work to find What additional benefits are there? Let's look at the right-hand side. First of all, before working full time, do your best. Don't just take regular work, take time from regular work. Do not go do something that is a private job like this. It will work for sure. After that, let's develop it. Necessary skillsEssential skills of each person It's not the same as some people. They have He is already an expert in one thing. Add more expertise or lead That expertise is where I go to find a career. Add a second or third source of income, but adding some skills might be What are the benefits to yourself? Suppose someone likes to take pictures and takes pictures of their girlfriend. Take family photos and take pictures of the scenery. She's beautiful and there are people who admire her. How will we present the work? of us through social media a lot and then I've already taken a photo and put some hashtags in it. So, um, does it indicate your own style now? There are many platforms that we can use. This photograph can be sold whether it be a copy or not. Shutter or many other channels at once which It is a 2nd and 3rd source of income for us. We can use this holiday time to try and gain experience. To increase my skills, I usually take photos with my cell phone. Hey, let's try to buy a digital camera that's still worth the price. You don't have to be strong first to practice with people. He has the expertise to gather in groups and ask for help. Advice from the elders and then we will begin. See and then you will see more opportunities that Eh, what else can we do? Don't worry, etc. Or some people are good at English. And I already use it at work. His expertise in languages It made many people come and ask him to come and help. Teach your children some English because Do you want your children to be good at English too? Even Chinese is a 3rd language. He uses it in his daily life and uses it in his skills. of being a teacher may not be the same. You can also go and enhance these skills. The same, however, increasing skills It's referring to Fern. I just wrote the letters 36 and 12 to say that at least this is Fern. I can ask for it. I would like to add 1 new skill per year. Just one topic per year. It doesn't have to be a lot. You don't have to have to do it every month. The thing is, we don't have to live too harshly. Yes, our lives are for use, meaning you can be happy. And we can develop ourselves at the same time. You can work hard, but you have to have balance, that is, have some flexibility in your life every year. What's the matter? Some years ago I felt like, 'Oh my god.' If you want to practice health skills, that's fine with us. It doesn't mean that it has to be a professional skill. Just some things, I can see. Some of the younger people who know him like to exercise a lot. At first I went to exercise to strengthen my body. You yourself look good and come out and become a recommender. Tell your friends that this pose makes your back His arms are good like this and his stomach is so flat. Is a six-pack like this going to become a coach? He's also a personal trainer. Same, so see, although really starting from Liking first, then whatever you like, go develop your skills. That is, maybe you don't need to spend money. I myself like to exercise on YouTube because sometimes my teeth come out in the morning, at 5:00 a.m. It's so early in the morning. There is no fitness center that should be open for us. Can't travel because we are preparing to enter the program. In the morning, if you have 20-25 minutes of free time, don't hesitate, just open YouTube, it's all there. YouTube really has it all. Today, everyone follows fans through YouTube. It's all about money, and there's also Business. There is a matter of exercise. We have them all, yoga, you can even pili. Well, cardio is good, or maybe it's easy for some people. Please, it's a design. Well, what do they call it ? Weight training or something like that. Likewise, we will increase our skills every year. Let's try to see if this year you want to add. What skills do you have for yourself? I believe that we accumulate gradually day by day. This little bit will become useful to us in The future is certain, one way or another. What is it that we use these skills for? In the future, it may become a second or third source of income for us, as some people see. Changes in my body from being fat before. From what I used to feel bad about but when I exercise Immediately we took a photo and saw the Before After. People who saw it wanted to know what the heck. Whatever we do, we inspire. It's our strength. heart for him and make him able to Have good health and good health after that. It might become a source of income without us. You can know it too, just don't forget it. I really think every skill is at least something that fans want. Put that skill to good use for yourself first. It's enough to be useful to you and yours. I want to share it with others. In the end, it will bring Really come to earn your own income. This is number 2. Take the time that we can manage. It's good to find additional benefits. The third thing is to get rich from high patience, salaried person. Actually, there are many things to envy. As I said, the income is certain that it will. What day do you enter? How much does it take to make it? Work is certain, freelancing is uncertain. Business owners are even more uncertain . 7 days a week, 14, 15, 16, 17, 18 hours per day can occur. Always if you are a freelancer or if you are Business owner, I don't have the word "sabai". Salaried workers are not comfortable, but they are. Another form of patience is that of humanity. This salary is quite tolerant of pressure. The sides are high because like a freelancer, are they still there? Doing work that you are good at, business owners will have some kind of drive that allows them to do it. What he likes to do, regardless of salary Some people may not have many choices in choosing. What do we want to do or what do we not want to do? It's hard to deny anything, so it's Therefore faced with quite high pressure which became It's a plus that you have a lot of patience. From this, another thing that Fen can feel when It's about people, it's about people. People will. It's a lot of money, and it might cause some problems. Well, this job isn't difficult at all. Managing people is the most difficult in every job, every profession. And every industry believes that the problem The matter of people is a very big problem. What is this advantage? The advantage is that it is a salaried person. We've met many types of people since the beginning. It's the most extreme. It's like oh wow, I never thought there would be one. People like this live in organizations like this and work. with us as well, etc. Patience that We have learning and management skills. with people dealing with these emotions It may become an advantage that makes us learn to be patient. But it may become a disadvantage. The disadvantage is What's the downside? When you leave work, So I can't put up with anything, like the fern. I know there are issues that may have many. The family that is in the organization is like this. One person at home has become a completely different person. That is, I don't tolerate it at all with family members. From having received a lot of pressure from outside. I became clear in both emotion, clear in both intensity. Gentle force doesn't work. Now the method is in When we practice patience skills, we You should use it for every matter as well. Just like the matter we talked about today is It's about money. Really, money is fun. If someone asks Teeth what skills he has? that makes successful people officially Money is different from other people. It's said that one of them is Today Fen sits and thinks, he is not weak. Are you okay or not? I have mood swings as well. with senior executives, people who are people It's really successful, we see. His ability to control his emotions Quite good compared to other people. The same is true for successful investors. Many people are very calm and very cold and can't do anything. Shaky with issues that come in on a daily basis. Every second, I don't have anything to make you aware of. I feel like hey, when we have this issue, they suddenly have to adjust. Immediately when there is an issue, K must arrange it. Dealing with stocks or assets that he holds It's not right away, it's the opposite. Experience too, and with stillness His coldness also made him slowly Look and see opportunities in each panic. Each panic was worse than the others. Even other people may be alarmed. Breaking news, news that is bad news that comes in But this group of people looks like it's okay. Sit still and look for stocks, look for businesses that are still going. You can even eat with those crises. Now, can we be patient? Answer: The only person who can answer for you is you. So myself, Fen has an example of patience and wealth. Let's leave it together. Suppose we invest continuously for 20 years, with an average return of 88% per year. Don't go back. Go back to the slide from a moment ago. If we spend 100 baht per day or 3,000 baht per month, believe it or not? The principal amount will be around 72,000 baht per 20 years, but if we use the money If you invest this amount, it will create compound interest or compound interest. The tree, which is the 8th wonder of the world, has grown from 700,000 to a million. That's 1 million, which is a return that is even more than the principal. If we put in a lot of money, how much time will it take? If the return is good, the better it will be. It is an important variable because we always talk about the 3 variables that will make you rich: principal and fruits. Compensation and time, but time is what The only thing that cannot be increased or decreased is time. Passed and passed, we still have the principal paid. You can increase it if your income goes up. Expense burden. Paying off our debt is reduced, we use the principal to fill it in. Investing more can increase returns. If you have experience, you can choose stocks for you. Spend time with it and do your homework hard. It may be more effective than the average. The market is like Achan Niwet, like Grandpa. Fate like this and get 2 digit returns per year. Ton, but time is the only thing that doesn't cheat. Whoever you are, no matter how talented you are, no matter how Do you have experience or have you been investing for a long time? Or how much money do you have to invest? Time cannot be increased or decreased at all. For a fraction of a second, for example, we saw the stock price fall 20%. In that fraction of a second, we would just buy. Didn't buy after another 1 second the price improved. You can't do anything like that. So the most important thing is time. Now, if we spend 6,000 baht per month or 200 baht per day, what will happen? Continuously invest for 20 years and you will have an initial amount of 1, 400,000 baht but the compounding will make a million become 3, million or if you can invest You can get 10,000 baht of capital per month. Invest with people. It's okay in the family. Fen likes to ask who it is. If we were husband and wife, it would be awkward. Already planning to start a family? That there is a child that we would like to have an inheritance for. He may also use investment methods. One of the options is 5,000 baht per person per month, 10,000 baht per month, and 10,000 baht in 20 years will be equal to 2, 400,000 baht, but this sum of money can grow to 6 million baht if the return is 88% per year. People also ask. Always continue, that's what Fen will say. Keep doing it until you're bored that 8% per year exists or actually exists, but how long can you wait? And did you choose the right asset or not? Let's look at another picture. This picture is the result of Rich Patience takes data from the S&P 500, which is the largest stock in each industry. Of the state stock market, 500. Believe it or not, all the time since the S&P 500 opened the market, there is also the part of the writers, with Capital Group, they have already done research. Let's go. Let's take this data that is real data. Let's see if you invest in S&P 500 and hold it at different times. For example, buy and hold for 1 year, buy and hold for 3 years, buy and hold for 5 years, buy and hold for 10 years, going from left to right. How many percent will there be a positive return? How many percentage negative returns are there? Positive is blue, negative is gray if holding 1 year, 1 year no matter what time period you buy. The chance of being positive is 73%. Is it negative? Is there 27%? If holding for 3 years, the chance of being positive is 83%. Increase to 10% and then the chance of being negative will decrease to 17%. The longer it is, the longer is holding for 5 years. The chance of being positive will be 87%, the chance of being negative will be only 13%, and if you invest longer than that, say 10 years, the chance of being positive will reach 94% together and the chance of being negative is only 6%, so today When people ask about longing, they say. Let's invest. As soon as we invest, why does the portfolio It's still in the zone. The question is, are you in the range? Where are you in 1 year, in 3 years, or in 5 years? Are you 27%, 17%, or 13%? Is it important that you buy and hold or buy? Always selling, buying, selling, which we have to return. Let's take a look at our own behavior and be happy. You can share your personal experiences. I have been investing for over 15 years. I don't remember the exact numbers. Now that Fenn has gone in to really look at the port this year. And Fern is in a very serious fight. We have all the ferns, everyone has Chinese stocks. Vietnamese stock is a tech stock or a popular stock. This is the line I like already. It's the racing line. And all the same, all these ports are connected. It's a very heavy deletion. Some ports are down 5-6 10%, and it's a small sum of money. because later we have income Fill it all up. Now I'm asking if it makes the port by Putting it all together isn't a waste, why? Because Fae had been investing for a long time, it made a lump sum of money. In the past, there was still profit. It also helped with the quota and loss portion. And it made the picture All in all our final returns are still positive. Even though it's not as positive as during the Covid year. I'm confused as to which one is perfect. It's going up like crazy, but the past 2 years or 2021, sometimes the timing is still good. There's 2022, which is where the market is really bad. All over the world except the Thai stock market which may be bad. A little bit like Ngee etc. Therefore, even more so if If we invest in the fern, it will overlap the back part. This is 10 years or more, really. There is another information that I didn't bring up: if you invest for 20 years continuously, the chance of losing is 0.01%. Calling it zero might not be wrong. So, come back and ask yourself if we Buy and hold for a long time or not? One thing that I personally love is because of the market. It's very volatile, so many people might make up their minds. Asking if we should catch the moment like this theme? We bought this theme and quickly sold it when it moved. Go up and get a profit of 10 20 30%. Personally, if anyone has expertise, who is with whose information? Keep up with the market and whoever has enough discipline and has enough leverage Do it in such a way that it works because it's a short but frequent capture, such as 10% selling, 20% selling, 15% selling, then collecting cash and waiting to enter a new theme. A new rhythm, but if anyone doesn't have time like that, don't. Having that kind of experience doesn't really give you deep knowledge. Like that, my face isn't that big. I still believe that dca still gives good results like Fen has been doing for over 10 years, almost 20 years. Why? Because it How do you cut off the emotion? As soon as it cuts off the emotion, the more so. The market is booming and no one dares to buy. Is there anyone who dares to invest in funds? There aren't many. Is there anyone who dares to talk about encouraging people to invest? In this asset class, there are very few stocks. Because the market is very depressed and there is an additional risk of recess added to the bank. He fell again but asked if it was a good moment. No, the price has fallen like this. In reality, if you buy and hold for 10 years, this might be a good time. Over the past several years, especially in During the period since Covid that stocks have fallen heavily. No stock has fallen as heavily as this period. But if you pay attention, the market will only have news. It's bad, but if we DCA, we'll still get it. Gradually continue to invest, etc. This one. It's the result of being patient and getting rich, so I'd like to invite you to be patient and get rich. It will take time. Anyone who comes to listen to Fern for 2 days will be like, hey, I don't know what I'm talking about. I'm confused, or have I been listening to it for 2 years? After investing, what profit do you get? It's stupid. If we go back to 10 years ago, if Let's meet here. Fen used to do the Money Channel since Smart Money. I believe that when Fen did the Money Channel in 2008, Thai stock index, I accidentally came across an old clip of the market index. The Stock Exchange of Thailand closed today at 345, 5 points being Thai stocks on the day they entered. I've been in the industry for over 300 points. What is it? Which one did you buy that day? Today? Well, I'm talking honestly about this one, even though many people Tell me it never goes back to 1,8 again like Ngee etc. But at least if you can endure it for a long time. Enough, the result of patience is always valuable. And then it will be measured here to see if it can be tolerated. Or not, which many people may not be able to do. Now let's look at point number 3. This is number 3 for getting rich from Have a lot of patience. In conclusion, there are 3 things that are ways for salaried people to get rich. The first is to get rich from a fixed income. This is where we can allocate expenses. Be sure of how much income you earn and deduct 10% from savings first. If you can, take care of your debt first. After that, take it and divide it into money. How much is left? Divide by 30. How many baht can you use per day? And then I thought that each week we would use How many baht do you have left at the end of the week to use? If you can be happy for yourself, if there's nothing left, just save a little. Please eat a little rice and make a little fasting. etc., it helps us save money. 2 is to become rich from time management. It's good, which took up time left over from what we did. This work is to increase one skill per year. It can be done. If we can do it, it will give us an opportunity. You can create a 2nd and 3rd source of income in the future . Part 3: Get rich from high patience. Be patient. Already high from working with a lot of pressure and patience. I'm already high from fighting traffic jams. I'm already very patient. From many people in many forms, we also take Let's put this patience to good use. With investing, be patient and you'll be rich. In 10 years, 20 years, we'll talk about it. If it's good, don't forget. Please tell me and let's move on to the error. Well, actually there will be something. This is something that salaried people may miss without realizing it. Whether or not I was aware of it, I was happy today. I'd like to invite you to come and see what Fen has included. There are about 3 things that Fen sees as likely. It's a mistake about money that humans make. Salary is often found, but if someone says "oh shit" More than this, have we ever missed anything? If you know anyone who missed something, please share. Okay, first point first. It's an error. What I often find is that I think too little about debt. This is about debt, especially which organization? This is where he might actually have welfare. Cooperatives: As soon as we have a cooperative, we can get a loan. Cooperatives get interest that is not high or cheap because There is no need to fiddle with insurance because We take our job as collateral. It's already here, especially if anyone is stuck with it. Society is Fern. We have to accept it too. Fern works in a company and is a money person. This month we have a society because We also have co-workers and friends who announce things. It's sad that we live our lives in a different way. But when we come to do our own work, we do it as a freelancer. We are entrepreneurs so we probably don't have to. Socialize a lot. Do you believe that the behavior of Spending money has changed enough to understand. And I also sympathize if we need to enter. Society, but Fen wants you to come back and look at yourself first. It's said that some things are debt to make people Others accept it, but in the end we suffer ourselves? No, debt that makes other people accept only us. Still can't accept it because it's oily. It's not the money we actually have in our pockets. That day, I was in debt that I shouldn't have incurred. Moreover, here is a way to look at what debt is. The main idea for me is to look at good debt and bad debt. Good, now go look at the next page: good debt, bad debt. This is Fern's method, each person. There may be different ways of thinking, but Fern Thinking like this, Fern said, hey, actually there is. Return is return and cost is always cost. Fans like to think of it as having 2 sides. For example, money in our pocket has only 2 sides: inflow and outflow, which is money. Money in, money out, if we make money come in More than money, we can be very rich. We have more assets than we have completed. You can be rich in the same way. Here, you can think of 2 sides. Debt and costs incurred from incurring debt. What is good debt? Good debt is very easy to say. Compare that the return is better than the cost. Such as things like house debt, house debt, this is the answer. What is a substitute from home? If you say both tangible and intangible, that is, what is something tangible that is monetary and what? Intangible things that are not money. Let's add it up and see what kind of things we have at home. There will be 2 types. 1 is a body. For example, let's say we buy a house for a million baht. Then there may be interest, paying continuously for 30 years, totaling 3% interest. Refinancing also may become a hypothetical home. The premium may become 2 million baht for example. 2 million is our cheap cost. But now it might be sold at a better price. Well, because actually the price of most food It goes up every year, especially if it's a location. Is that okay or is it not a secret? Or something like that? What location and price? It moved up because the city had to move away. Then again, some people may not be able to buy a place to live. Even if you buy and rent, there will be a return on the price. Renting it back again is a return in a sense. Of the money and try to think about it like the price of the house price in one year is 56%, it turns out that we get 5-6 per year from buying a house from debt. I already have the cost of the house. Ah, there might be more. Sorry, the rewards are already there. They may have an answer. Instead of not having money, for example, it gives peace of mind. That is, some people are living in a rented house. I don't feel at ease. I don't know that one day, sister. The owner of this place is coming to let us out. When? Or maybe there are tenants? Mai gives more money than the government won't let us stay. Or something like that, there will be uncertainty. Not quite mentally stable compared to other people We have our own house, our own place. Is it right? Therefore, there is a return. Definitely monetary with non-monetary rewards. The money mixed together with this one is part of the return. Instead of owing on the house, this part of the cost What is there? It's the same because we There are low interest costs that we have to pay. From our mortgage payments, which has increased. It depends on what percentage depends on the bank. Depending on conditions, 3-5 pesos per year on average. It will be something like this. Now we compare it to 56%. If we assume we buy a house and rent it out. Plus, hey, feel relieved, at least if we Well, he kicked us out of the rented house. You can come back to our house and give it to people. What is rented out instead? Don't worry, etc. Which is OK, it's a fake. It must stay in our place after being compared. Both the money and not the money are more important. Compared to the cost of interest if It's really like that. It means you're in good debt. Ngee, etc. This one gives an example. Let's compare. What debt is definitely not good? How about debts that are still easy, assets or The products you go to create debt or the services you go to Creating that debt will never give you a return. Equal to lost interest. Many people say this. Should be enough to think about, it's credit card debt. Personal loan debt is because it has a 2 digit cost, like a credit card, it's 16% per year, is it cheap and then I'm going to buy it? What are you investing in? Um, what opportunity do you find in swiping credit cards? And going into debt to get a return of more than 16% per year shouldn't exist. If it did, it would be very exciting. So, what's the deal with credit card debt? I'm already in bad debt because of the results. The compensation is obviously less than the cost, but There are some types that are evenly matched. That is, it may be both good debt and bad debt. It's like something like car debt, car debt. Many people say that no one can decide whether Is this a good or bad car? Let's compare ourselves. I myself think that return is a return to Ton. The capital that is interest is protected. Or maybe someone bought a motorcycle? Went to buy a sedan and he didn't drive it. Uh, to go to work alone, but that day Saturday or Sunday or in the evening after When you get off work, do you use it to earn money by driving Grab or Robinhood? Or are you going to drive and scold Mo like that to earn additional income? It's like that. The return he received from That car should be worth more than the interest. That he lost, right? The interest on the car might be 56% or more and he might have There are some costs that cannot be saved. For example, they don't have to sit in the car or it might be safe. It's a danger to your health if you drive yourself. It's more than taking public transportation like that. So it depends on us. Compare the returns with the costs. However, some car debt may not be the case. Good debt, for example, let's say we have our first car. I already have it, but I just want to have a good car. What is the cost of driving to pick up girls? Picking up and sending girls is high, but returning at Yes, some people say it's intangible, meaning it can't be touched, but it gives happiness. Mentally, this can be understood if you look. That it is higher than the cost you lose in the long run, 4 years, 6 years, 8 years, OK, I can't understand it. Who can answer whether it is good or bad besides ourselves? For yourself, try using this principle to compare. Okay, this is about debt. Now it's teeth. There are numbers for you. They are numbers to think about. Look, we should have no more than debt. How many baht is it? Actually, how much debt should you have according to the principles? Finances should not exceed 40% of income. Everyone's income is different, so I'll try to explain it to you, eh 20,000 baht, 40,000 baht, 60,000 baht, 80,000 baht, 100,000 baht, debt burden continues. This is the month that we're paying in installments. How much should it be more than that? Of course, when it's 40% , just multiply 40 by the money. For example, let's say 40,000 baht, the debt burden should not be more than 16,000 baht, but it doesn't have to be. The thing is, if you don't have debt, that's a great fortune. It's great. When Fen unlocked his debt, there was Financial freedom is a must when you can retire. They say that debt is a changer. That is, because having no debt makes us discharged. You can yoke everything, so don't worry. You don't have to stress about doing anything in order to. Get money to pay off debts like that. If you don't have any debt, it's good, but if you have it, you'll use it. Set it not to exceed the proportion that it should be, for example, 40,000 baht should not exceed 16,000 baht . And in this part, there may be good debt. Mixing bad debts is not a good idea, but it is possible. That is, keep bad debt to a minimum and should not exceed 50% of the total debt. The less, the better. This is the comparison section for proportions. As for debt compared to income Now let's take a look at Fenn's age. Than say eh, what if we were this age? Our trade balance shouldn't be more than how many? The baht is really outstanding in debt. And each age may have different debt burdens. Well, the younger you are, you might have it. Outstanding debt in some areas is quite large in comparison. With the assets that we have, what does this table tell us? In this table, let's look at the age section first. How old are you, for example younger than 30 years, 31-40, 41-45, 46-50 or more than 50 years? Then go and see how much assets we actually have. I have already invited you to make an asset table. List out the assets that we have. Can be converted to liquidity whether it is assets. Assets like real estate, cash, money Invest or even life insurance and stuff. that we can convert into cash, like some people have What kind of art do some people have with their watches? Which can be converted into cash and considered an asset as well. How much is this? Let's set it and see if we Let's assume that you have assets of approximately 500,000 baht. Now that you are 31-40 years old, the total outstanding debt should not be more than 300,000 baht like this, etc. But if the assets are a lot You may have a lot of outstanding debt, for example. If you have assets of 3 million, you can have debt of 1,800,000 baht, something like this, etc., just capture it. Yes, so I can try to check with myself to see if Eh, what are we like now? The first part is that a common mistake is to think too little. The second issue is debt that is often missed. This was really a while ago, no. Tax planning is tax. Let me repeat that. There are only 2 methods of taxation, 1 is wasting it and 2 is getting it back. Please ask whether we want to lose or we want to claim. But, there's no right or wrong, but it's a fern. Fen likes to get it back if he has the right rights. I will demand a full refund of Max. My boyfriend bought rmf when he was not yet 30 years old because of the income. When it exceeds the amount that we can afford to buy rmf, we just buy it and think, hey, it's okay. Anyway, we should be able to live until we're 55 years old, looking at our age. of our grandparents, grandparents, we are quite Let's stand. We invest for a long time. It should be safer. And if somehow we have an outcome, then this is it. It should be useful to the people behind you as well. It's the same, but on that day I used the benefits. In terms of taxes first, fully. Now, if anyone wants to When investing, I want you to think about rights. There are also tax benefits in the next table. Let's take a look at what it looks like when we request a tax refund. Now Fen believes that many people are asking for a refund. It's already gone. Who can get it back? After returning it, wait to get it back or lose more money. You can tell us that this table might actually be the same. It's a bit of a big number. Let's listen like this. Let's just say one number, let's say the monthly salary is 40,000 baht, the salary is 40,000 baht. If you follow the principles, this is deducted. Spend the personal social security deduction of 1663 baht and you will have net income. He will calculate the tax at 31,000 700 baht with a tax base of 10%. Now, a tax base of 10% is equal to paying 8,800 baht in taxes per year and asking if we will lose it at all, 8,870 baht. It's better to accept it. You should probably be able to do something useful. You can build infrastructure. Development. Whatever you study, it's okay if that's the case. But if we come and say, hey, we have the right to get it. Now, the method is not to take rights for granted. That starts with taking financial goals as Location, for example, because when we look at rights There are many benefits to investing in both insurance and insurance. Retirement planning or even a 10-year long-term investment, the question is, do we want to What financial goals should be answered first? Because our money may be limited, we don't. You can buy every right if we say We give importance to retirement as number one. There are 2 options. 1 is RMF. 2 is pension insurance. RMF is the advantage. Invest for the long term, meaning you can use the money when you're 55 and have the opportunity to receive returns. It depends on the assets invested because It ranges from debt relief with very low risk. Going all the way to investing in mixed funds that are risky. Medium or stocks around the world or according to the theme or that alternative assets with high risks So there is one too, it depends on us. We believe that in the next 10, 20, 30 years we will be 55 years old and we can go and invest. That's fine, but if Nae says no, I'll ask for guidance. Safe, safe, how many baht per month do you get? How many baht per year? Pension insurance should be the answer. Because the pension insurance will be clearly written in I already have an insurance policy that when I reach this age How much will you get back in lump sum? Or how many baht do you gradually earn per year? Ton, which will answer our goals. Meaning of life, focus on financial goals. Then let's find a suitable product like this. Yes, we buy according to our rights. If we buy according to If you have rights, we will be able to ask for a full refund, all the 8,800 baht etc., especially if anyone asks. High taxes, monthly income of 100,000. You see, we can ask for up to 100,000 and we can get it back. Fern is one of those people. I'd like to give it back every year, but OK, there are some years. Our income may be a bit high. If you have additional payments, you can pay in 3-month installments. Pay in installments, the later you pay, the more money comes out of your pocket. The slower we are, the better, etc. It's a matter of taxes that can be missed. Don't miss it. Well, what did we miss last year? Try to close the mistake there. As for the third part, the mistake was not starting to invest. This one, if anyone watches it, they believe it. Starting to see the importance of investing. But there may be some problems or there are Some difficulties or insecurities There's something that makes it impossible to start. You can invest, but Fern really wants to invite Kida. Investing slowly may come at a price. But if you're not ready, that's okay because Always talk about having enough money in an emergency fund, up to 6 times or 12 times the expenses. Each month, gradually start thinking about investing. Otherwise, it might be a short-term problem. It can happen before we expect it. Let's close the carving here before going to deal with the matter. of long-term necessity, but for now What is the price that must be paid? Please see the table on the next page. It is the price that must be paid for investing slowly. Let's look at two sides, the side of the person who has started investing. Faster but uses less money is the left side with People who start investing later but spend the same amount of money What does it mean to mean fern and Fern's friend has a child, Fern said. Hey, we want to invest for our child today, 5,000 baht per month, and when our child is 40 years old, we will give him a lump sum inheritance. My friend said hey, I'll take it too. We're not ready yet. When the child is 20 years old, we'll invest, but you're putting in 5,000 baht a month, right? I'm putting in 10,000 baht a month. I'll get the same amount. Now let's look at the last line. After 40 years, Fre's principal is actually 5,000 baht per month, 60,000 baht per year will become 200,000 baht, but with a return of 88% per year, this sum of money that Will it give you a picture, not 24 million from just saving or burying it? Keep it, but it will become 17, or 500,000 baht at once. The question is, will your friend keep up? The answer is not in time because my friend wore it. Ten thousand a month is equal to 2 2000 baht or 2 400,000 baht over 20 years . With the time being shorter than 20 years, the lump sum that was supposed to be given to the child of 40 million at the age of 40, 177 million baht, is only 6 million baht left, has disappeared to 10 million from the investment, which is even slower than 20 years. The slower you see the bigger the difference. As I said from the beginning, the principal amount Time return time is the only thing added. And if you can't reduce it, you'll pass it. The question is: My friend said hey, that's not possible, my child is too. Friends, when you're 40, you'll get drunk and ask why. My friend, why did I get 17 million? I only got 6 million. What should I do to get as much as you? Okay, if you want it as much as I do, but you start late, 20 years in a row, then you have to put in 6 times more money. Fern's is 5,000 baht. Fir's friend has to put in 30,000 baht per month to get 7, er, 17, 500,000 baht in 20 years. Do you see that there is time to invest slowly? That really has to be paid, so you don't have to put down a lot. Fae didn't say to invest all the money. Until there is nothing left to eat, there is nothing left to save, there is nothing left. There's not much left to donate to father, so mother told me not to. To get it, you have to invest, Khun Fern said. I can't really retire comfortably. Mother might criticize me. It might be a sin instead, so don't do it. That's the method: we go down as far as we can handle. You may be able to make a profit. Right now you can invest 100 baht, 1 baht can invest, 500 baht can invest capital. Just start a little each day, but that's enough. If you see it, we'll know for ourselves that we should go. How do you continue like this, etc. Now many people ask, oh, where does the 88% per year come from? Fern has information on the next page. We're here to share the rankings, but we must emphasize that we don't. I thought I had to buy this one, no. Let's see that the range of investments over the past 5 years has had returns. The average is about 88% per year. It's not a Global Equity fund that the ferries like to invite you to go to. Study further. I can't invite you to invest. Kafen invites you to study further and repeat. that this content is not inviting to be viewed Just an example of, eh, past returns of but What will the fund be like? But we don't say what it will be. Guaranteed future, past like this doesn't mean The future must be like this, World Stock Fund. What is the advantage is that they spread out the distribution. Capital all over the world. There may be a lot in the United States because that the United States is a country with a large economy The best place in the world right now, maybe Europe as well. There's also Japan, and it's mostly a country. Developed, but when it changes, for example The poles will increasingly shift towards China or India in the next 10-20 years. World stock funds He will arrange the proportions to attack the countries that have Is it the size of the economy or the size of the business? that is an important part of the world automatically And the second advantage is that it is usually passive fun, meaning investing according to the index. Investing according to The index will not need the brains of the manager. There are enough funds, if you don't use a lot of brains, invest accordingly. Exactly according to weight, water index. The weight of this stock is only this and that one. He will go down and do it so that we don't have to lose. High fees for buying funds Those like this, etc., which I try to see. Just wipe it down and go study further. It's a fund. If you can observe it 3 years later, it's more than 88% per year. This is for 5 funds together. Actually, there are 10 years. This information can be found at morningstar thailand.com . Morningstar thailand.com. Including information on 2,000 funds in Thailand. All of them are included. Let's go look at the contents. What is the nature of what each fund invests in? Is it ose stocks or not? Value stocks or not? Stocks in which country? What proportion? And then there is the weight of the industry group. How much, how much, what are the fees? How much, how much, etc., is the minimum? How much is the investment? Who is managing it? It's all gone. You can go in and study more. A website that I enjoy using as well. Finally, I emphasize once again that the result of patience is wealth. It's the last page. The longer you invest, The more you reduce the chance of loss, if you invest for 10 years, the chance of loss will be 6% from the S&P 500. I don't have any information on Thai stocks, so I have to accept it. Why do you like bringing American information so much? Because America is a country of doing. Data. I mixed data here and there to make it. Research and grouping. Their Big Data is a lot, so it has a high percentage. There are a lot of American things, but there are some Thai things, maybe not. I got a lot so I probably didn't share it. I got a lot, but if I have it, I'll share it. to the audience as well, but in the end, I would say that we are Global citizens, that is, we use things that are not 100% Thai, and today we are watching through an American platform, that is, Google's, that is. YouTube or Facebook is meta. We use phones that are not Thai brands. Whether it's the American side, the Chinese side, Korea, however, is already global, so global investment should be another opportunity when we are children. The trade has already been made. We are still spending money with you. Then we go and hold their shares and we will receive benefits as well, etc. At the end, I'll leave you with 3 things that I want you to be careful of for anyone who... I don't want to miss out on finances. 1 means I want to think less about debt, think more about debt first. Debt is possible, don't create new debt. And then reduce old debt as quickly as possible. 2 is to plan your taxes as well. 3 is to start investing. too, no matter how much, it's starting to be good. Before we start, let's talk now. Please give me 2-3 minutes. Hello. Thank you, Vandie, Khon, and Disi. Sitthi said that I came in time for the first live show. Oh. I'm glad to meet you. Um Khun Niti said that money breathes in and money disappears. My heart is out, but don't lose money like a blooming flower. OK, wait a minute, let me take a peek at the tech stocks. America, dividend or non-dividend, which is better? Actually, the style of tech stocks is ose stocks. GR stocks means they are growth stocks. It means that in reality, if the style of Stocks usually don't pay dividends because Dividend stocks will be a relatively quiet business. And this is regular income. He already knows that each year he will The money can be used to pay dividends to the shareholders. No matter how much stock you get, you don't have to take profits. Expanding the business may be different from single stocks and large stocks. Oh, let's go back a little and see that dividends come from Where is the dividend? Is it from cheap profits? That is, if the company If there is profit, the results will be shared with shareholders. The question is, what kind of stock is K stock? K stock is a stock like ose stock. That means that K stock must Use the profits to expand your business and invest in technology. In AI, Big Data, Machine Learning, whatever, most of them don't cost much money. whether to invest in technology or invest in The person who developed the technology, if it were like that Most of the time, if there is a profit, these stocks usually I rarely pay dividends because I have to. Use the profits to make the company grow and grow. In contrast to dividend stocks, dividend stocks will It is another type that may not have to grow up and may not. The business needs to be expanded but it is relatively stagnant. And it's quite predictable. that each year his income will generate How much profit is distributed to the shareholders? The stocks are quite consistent, so I ask. Which one is better? I have to say that Fen believes it. that it is more of a style than a stock that rarely pays dividends already because he has to use the profits to expand the business But dividend stocks are another type that I don't really get angry anymore. Maybe some of it is. Some are goat stocks that pay dividends, but they Will not be able to pay a lot of dividends, now it will increase. It depends on what Stock for life Thailand you want. What do you want? What do you want? Dividends. Need cash flow along the way or want Huge wealth at destination with Kosana stocks If that's the case, it's a large stock. This will answer the question in the latter part, that is, he also When he grows up, his price will be high. If it goes up, it means that you should benefit from the capital gain or profit from the high price. Even more than the dividend portion, this one is for you. Let's think about it and try to develop it further. Khun Niti said that he had collected cash from mutual funds. Thank you for making content that I really like and understand. Worapot OK, 23 years old, wants to be rich. If you want to be rich, You have to do it like rich people do, meaning you spend less than you earn. Don't be in debt and earn money in many ways. Extend your money with the right investments. Because right now there are a lot of investment scams. Please be careful no matter what it is. that guarantees returns, you can transfer money Of course, 10% per month, 20%, something like that, don't do it. If you want to know that we are investing in the company. Or with the person who received it? If you give permission then you won't be tricked or let it go. Check at the SEC and search for the word SEC license. Then search for the name of the company or search for the name. People at K-Nia are the ones who come and invite us to invest. If someone has a license, it will come up for the company. that has a license, it will come up for you, but You have to be careful because someone took the logo and took it. The real name of the company is a scam, but when we transfer money or do transactions, we have to pay attention as well. Where will the money be transferred? For example, ABC Public Company Limited, which is a hypothetical securities company. One, but when transferring money back, transferring money to With the Prime Minister Kai not feeling good enough like this, we suddenly Well, now you can understand why the investment that we Will invest with ABC company back to the account name Of Mr. Kai, this one must be eh, and it must be. Eh, give a lot for the matter of finances. Today, it's okay. Ms. Wannee said that she's addicted. Follow along all the time, Mr. Surachet tells employees that they will not Getting rich from being an employee is what Fern said. Be with each person, that is, Fern. Respect. Every career is because Fo believes that each person has Talen is not the same. I believe some of them are children. Hire a very skilled professional, but when you do it yourself, go. I can't help but know many people who have skills. A lot. Let's take one person as an example. He is like that. I'm Fern's regular hairdresser. One store that Fern accidentally stumbled upon. This is the first time I happened to do this to this elder. And after that I was satisfied with it and bought it. The shop's package because I want to do it with this person. But not long has passed, approximately one year. Yes, he really resigned. He has very good skills. Kafen invited several friends to come and do it. Everyone liked P'Kon. All of this has become a regular customer. This shop is because of this technician. He has now resigned. Then Fer asked him where he was going and what. Finally, he said that he was going to open a shop. I myself cheered up and said hey, just do it because that he believes he has skills and that customers should He's so attached to us like he's like this if he opens it. Our shop wants to go and support them because we know. We trust their skills, but we believe that 6 months have passed and K still hasn't opened the shop. Follow us. All the time because my teeth keep changing and I have to cut my hair every 2 months, what the heck? But in the end, it's been 2 months, it's been 4 months, it's been 6 months and the shop still hasn't opened. So recently, I asked how to get it. I'm going to open it. When did the store say that in the end it went back to being? Another mechanic at another shop saw me, it was someone. Suitable for being a good professional employee, but He may not be good at owning a business. So, how did they tell you that it has numbers? It may not be accurate as to the registered company. This is what will be left in 5 years, it will be reduced by half. If you can live up to 10 years, it will decrease again. You can live up to 20-3 years, even more reduced because not everyone The person who will be suitable for Being a freelancer or not is suitable for everyone. Being a business owner and many of them being children You can hire a professional and you can get rich too. Just like Fern herself just made the previous clip. This is a misunderstanding with rich people. which believes that many people remember numbers exactly No, but definitely more than half, 70 or 80 or 90%. That's why they get rich from being. I'm a salaried person, but he invests regularly. Always be careful and disciplined, especially in retirement funds. His house is worth 41k. Our house also provides teeth like this, etc. If anyone has one. provident teeth, you can add 15% according to your rights or if you don't want to add, you can invest in rmf. If your rights are full then go invest in the fund. Normal capital is fine but can be held for a long time like a fund. You can be rich when you retire too. Don't let Adjust your attitude a little because otherwise we will Work in a basic way because we think that you just did it. Well, I'm not rich. I just can't do it. Ngee etc. I'm rooting for you and cheering up for everyone because of Fern. That Fern unlocked herself when she did. The job is to be a salaried person, saving money. Yes, the first million will come from the plan. Salary in a short period of time and then there will be assets, which is assets that will last approximately 5-7 years. I can't remember the exact numbers. Ok, hello, asking for advice about Financial management, we just talked about it. And then, many things at once, let's try them, Khuniti. Said that I woke up to listen to Khun Vic and Khun Fern Thiang. Listen to Pee Kawee Yen come and hear the summary from Teacher Niphon. Divide the money into 3 piles of cash, dca funds, and stocks. OK, great. Khun Ti must do it. Is it a full-time job or does it take time to do it? Regular work is done, then take the remaining time. This is to increase your financial skills. If that's the case, Well, the answer to the question is number 2, which is to use the advantage of having a definite time to allocate it. Other things that increase skills and level. With ourselves now 25, save money from 21, maintain mental health, physical health to reach the target. I want to spend 40 baht and I get to drive a Mambo. Yes, OK, great. Lambo at that time. Not sure if it might be an electric type or not. No, like this, etc. This one is a joke. Okay, DCA, right? Personally, I'm still using DCA and I'm investing heavily again, which is a lump sum. Periodically, if you see Is there a chance that long-term holding will beat inflation? It depends on what we hold. For example, if A bond might be boring unless it has an inflation link. It's a bond. There will be a link with inflation in the United States. In our house, I'm not sure if there is one or not. Being like that, it will increase your chances of getting Receive returns that beat inflation, but if Debt market or financial market type? Treasury, government bonds, national bank bonds Well, if our country could beat inflation Because in our country inflation is not high, 2%, 3%, the return of our bonds may be around 3%, plus or minus something like that. They'll be close to each other, almost offset. If you mix a little bit of stock like this, there might be a chance. To beat inflation, it's risky. that increased along with it, look at the proportion It's suitable for us as well. There are a lot of fern pores because it has been here for a long time. That is, I invested for a long time and then gradually added money. Gradually, we saw that enough was enough. We have already entered and we can see the benefits of compound interest of compound interest. It's about having discipline in accumulating money. Feeling happy that we will invest money is I'm really enjoying myself. Today I can retire comfortably. I have to say that before this, Fern didn't Get to live your life the way teenagers do. It's a semester break and I go to work part-time. That we have a goal, that we want to have an income We got a lot and we want to have extra income. including wanting to reach financial goals Don't worry about anything in a hurry. Really extra income these days. Before it wasn't a lot, one day it was hundreds. It's like a frog with a minimum price. Don't worry because that we still don't have any skills, let's go I'm a kid in a sandwich shop. Make sandwiches and let me eat one every day. So confused, I came back to share at home as well. Like this, etc. But the round-trip bus fare It's also strong because the shop is restaurants or opportunities for children to work During the semester break, most of them stayed in Muang Ngie. etc. OK, I will say that in the end This must be exchanged, meaning that Fen believes that the story Money has to be exchanged, which means we exchange our dislikes. Comfortable at the beginning of the washing period. Well, before working, I was about 20 years old. When I was younger, until I was 30 years old, I was almost like this. I almost didn't live my life at all because Fen did. It's really very hard work. It's 5 normal work days and I do freelance work as well. I also write articles and I do a lot of them. There are things like teaching and tutoring. Ton or even sometimes I go to help. What does this familiar company do? Give something to him like this. Most of the stories about love will be good. Like writing a book, we write the script. There are a lot of stories published in magazines that make radio stations. A lot until it's tiring. I know that but I want everyone at that age, 20-30, to do their best because we have strength. We have a lot of strength. Once tired, it can come back and reboot quickly. Oh, like today, let's go back to work like that. I can't take it anymore. It's just one day without sleep or I can't sleep for less than 6 hours. Another day my brain is like this. Don't go and don't go, etc. So if Let Fern choose. Fern will do the same thing, 20-30. Fern will be dedicated to using her energy to make money. Increase your skills and take the money you earn from using them. We made money and invested it to the utmost. Flowers and fruits will come out by themselves after the day we... It's been around 15 years now and it's very clear. OK, I'm very jealous. 300 points from that day. Yes, there aren't many ferns, I mean ferns. I don't understand much about the investment world. Because I just entered the Money Channel, I studied it slowly until I remembered that day when I invested. Studying in 2nd year of college, I bought 50% of the fund. That's why it's a fund. The first thing we invested in was an index fund. We have been investing for a long time until we see that Thai stocks are It didn't go anywhere and so we switched to investing. Otherwise, etc. Worawaran said that right now I have a lot of debt. Debt management is 1 list, get it all out. So what debts do we have and each debt? What is the type of interest? Because interest It's not equal, so we'll know that if we have 1 lump sum of money, which debt should we pay off? The first is the debt that has a high interest rate first. It's possible. I'd like to consolidate my debt. Try talking to Financial institutions try talking to the clinic project. Solve your debts. If you can combine them, you'll be able to consolidate your debts. The advantage is that it will increase the burden of spending on Paying less on debt per month might help. We are talking about reduction, what do they call it? Interest burden because there will be 20% debt, right? 10% interest debt, 5% interest debt, something like that? Or is it converted to debt? Can there be collateral if the debt is principal? With insurance, the interest rate will go down. After that, I went to look at the expenses. Do we have any expenses that can be cut? It's necessary to cut it all off. Sometimes there are kisses. For example, the monthly subscription fee is several hundred baht. One year, thousands of baht, etc.? Are there any fees for services such as fitness? And sometimes the phone bill is a small amount. Don't overlook that some people pay hundreds or even 1000 a month but don't use it to make calls at all. Nowadays, almost 100% of calls are made via line. We might reduce the Voice portion and, well, Data is the Internet itself. What I use is that you can cover it like this or some people have WiFi at home, but actually it's almost I don't use it because I use it mainly from my mobile phone. Hey, if you choose WiFi, you can save 5600 a month, same thing like this etc., it's great. I think we have to explain it out first because That if it's in my head it'll be stressful, so take it out. Come and let your time be over. There's a lot of work to do. Ngee Fei will take it out and write out what 1 2 3 4 must be done and then set the priority. Finish one task and give yourself a reward. Just a little bit. We'll pay off a lump sum of debt for you. Reward yourself a little, but don't be. Debt to reward yourself again is a must. Try to pay off as much new debt as possible. 2 is to try to earn income from your skills in cooking. If you're good at it, try making food to sell. You can post it on Facebook. Everyone already has Facebook. Make it public for a bit. Let's just say that the card qualities of our food How does it stand out from the rest? Hey, it might. It can be another source of income as well. I'm rooting for you. Khun Suksky said that as a child of Lao PDR, he would invest. What should I do through the disaster fund? I don't have any information. I'll go look for it first. If I have a chance, I'll answer next time. Not sure if foreigners can invest or not. Or will you have to travel to open an account in Thailand? Maybe, but Orlaw may not have a mutual fund. Is this right? OK, I'll find the information for you. Please, I'll paste it first, Chutika said. Normally, I listen to it all the time. Oh my gosh, many people have just come. Listening live for the first time, hello Khun Chutikarnkhun. Wiracha too. Khun Pichai said that he recommended it. Regular dividend funds, invest for a long time. Ah, really, if you like dividends, there will be an HD set, meaning it's a stock exchange index. He chooses dividend stocks. There is a category. I can't remember exactly which stocks he chooses. Anyone who has good dividends in the HD index set, please try to see if we buy the index right away or not. Can I buy funds that go into the HD set? If I can, the good thing is that it's index One. The fees will be quite cheap. Fans might not. I have information today but I want you to go do it. Please take a look at additional homework. I want you to work on it. Some debentures, there are a lot of them. Now just be a little careful because it might There is the matter of a company that is called What do you call a loan? It's time. The loan must be repaid, so it is necessary to leave. What kind of new lot of bonds is this? Let's go look at their credit. Let's go look at the business. And then let's look at the types of bonds because There are many types. I'll have the opportunity to do it. Regarding the debentures, Khun Atina told me that Chupai Fai OK, everyone sits in the front row. I like to tease you because when I'm online, we don't have a line. Everyone in the front and back row was in the front row. Okay, I've heard it often about having to Invest to get 8% profit per year. Want to know. The real meaning is that if you invest 100 100,000, the profit per year is 8,000, another profit of 8,000, for a total of 16,000. Is this model correct? It's not correct. It's good that I asked like this. This is coma, that is, compounded profit like a hypothetical. Will I have to press the calculator now? For example, let's say that this year we invest 100,000 baht. If we get 100,000 baht next year we get 88%, which means we get 18,000 baht. Is that right? We will get another 88% from 18,000, which will be 8,62 years. 16, 640 baht. In the 3rd year, it will become 11,000 4. Okay, 100,000 100,000 640 baht + 88%. Do you understand? It will keep compounding. It won't be 88%, which is exactly 8,000 every year, but it will add up because I think our tree will grow bigger and bigger. It will. This makes the benefit of compound interest definitely occur in the case that the returns are the same. Every year, but in reality it doesn't. Exactly, there will be some years that go up to 10, some years that go down to 5, something like that, but it's a long-term average. The serrations will become more linear and then It will make the average okay. This explains it to give you more of a picture. Start slowly saving at 37 60 70% every month, great. Yes, starting late is better than not starting and starting late. Saving a lot is considered very good. It's a source of strength. Please give it to Mr. Wiracha, at least us. It has begun. We will show you that we have reached the 1st step and when will we reach the 10th step and the 100th step? Each step. Gradually supporting his own port with turmoil That happened or go and look at the insides of the Asset allocation arranges assets for Good, don't take too many risks or be safe. Too much so that we can't find returns. Just in time with inflation. OK, I want to rank rmfs that are worth studying. OK, I'll do it when I have time. Have Pim make me use my tax rights for 500,000 every year. It's great. I like your clear, clear voice. The words are good. The system is broken. OK. Thank you very much today. My head is hurting a little because I've been so busy. All day, I'd like to recommend investing in American stocks. Yes, now American stocks can be invested in many channels. The way is to invest through a Thai securities company that opens an offshore portfolio, that is, a foreign portfolio. You can buy it in any country as well. Or people like now have digital applications. There are a lot of financial institutions in our country. It's very bad from the securities company. Pattara is inest x from the main company. Rupthaipannae Yo has changed his name. It can be a real estate company, Inest And there are many other platforms. Individual stock capital, but if you invest in ETFs, there are others as well. If you want to invest through Chitta, there is also Stash Way, etc., etc. The platforms I just talked about also exist. Or are there other securities companies? But Fern probably doesn't, uh, know all the try. Go look at the conditions because some places will have minimums. Some places don't have a minimum. Most don't. There is a minimum. Except for Chitta, there is a minimum. You may have to go and see what we are. What is it suitable for? And American stocks must be Duper as well, but the information It's quite easy to find in America, meaning it's free. There's a lot of data. If you look at finance, there's cnbc as well. They have all the financial statements. Or is anyone going to cut the zip? You can clearly see the details of the bomb. You can try to study more. Uh, advise on arranging a mutual fund portfolio situation. It's really like this. I really don't have much ferns. Adjusting the port is personal. It's up to you. Fern is a different person and can take very high risks. I repeat, this means that Fern invests almost 100% in stocks. But we have to come back and ask ourselves, Mr. DK, whether we can invest 100, almost 100% in stocks like Fae or not. Because if it's not like You shouldn't copy this model, it's personal. Fin itself, later on Fin will put money into Global Equity, which is a passive fund, and if anyone has never invested, This is for people who want to invest in mutual funds. I'd like you to go find ecl, which is a fund that is electronic class, meaning it doesn't charge a fee. The custom is that they have a limit from scbam for you to invest through scbam Fun cick. It 's their application and LH has LH fund. Okay, SV has a fund. It's a lot of capital, and their limit for ecl is 1 million baht. LH f Online is their limit 2 million baht. Fund. I went to study it, but it must have E bracket, which means it's ecl. The advantage is that it saves on fees. I went a lot and got full returns, but there are only 2 of these mutual funds at present. Now, a question. That is, how to organize the port depends on that 1 port, using the wfh principle. What is the goal? That is, if the goal In the short term, you don't have to arrange anything, that is, put the money into esaving to finish, because esaving gives a return of about 1.5-1.6% per year. OK, no. You have to take risks in the short term, such as 3 months, 6 months, 1 year of EV is considered quite short. But if your goal is to invest in the long term for retirement. If you can take the risk and invest heavily, go into Global equity, that is, go into world stocks. You can, but if you can't take the risk, you will. The spread is world stocks, a portion of debt instruments that There is some high stability as well, such as The same thing is that it does not include financial assets. Choose anything that is a bit complicated. Like, uh, real estate, gold, oil, what? Like, because there might be a cycle of Therefore, if it is a long-term investment, it may be tolerated. with fluctuations that are rarely like this, etc. Well, really, we didn't adjust much. Unconfident in any one industry especially one country in particular Don't go following the theme according to the sector. Follow the theme such as things like health care, things like Ngee, or is it a theme about Vietnamese stocks? What is China like, country by country, continent by continent? If we are oily, there may be a higher risk. If you're not sure, don't put in money or if you want to. Just a little bit, just about no more than 5% of enough, that's enough because it's a satellite P. That is, most people will define it as having 2 2 parts, cor port and satellite port . cor port is. Enough is enough. I will invest in, let's say, Global equity. If I 'm talking about stocks, it's because they have... Diversify the risks of the distributed industry The investment region is already complete, but if we Want to find additional or additional returns? Take the risk a bit more or look for opportunities in Sometimes I go to Satellite P, which SAT Light port is a stock. Vietnam, Indian stocks, Chinese stocks, health care stocks, or whatever stocks. But that is a specific group, EV AI, anything like this that just came, it shouldn't drop a lot, it shouldn't be more than 5%, so when it's going to be skewed, SAT means there are only stocks where the risk is concentrated. It's not a good idea to collect a lot, try applying it. Okay, OK. As for today, it's enough to kiss each other. It's been almost an hour and a half, so let's talk in Capitalist Factory, press Subscribe and you will get it. Don't miss it. If you want to know what's going on, leave a comment. Leave it here, Fern will come back and talk later. Next time or would you like to talk in an interview? With whom and which story to delve into? I'm pleased to see more of the economy today. I'm leaving. Thank you for all your encouragement. Hello . [Song] Viewers, today's capitalism, please come and talk in More about investing in yourself. For a bit, today I'd like to invite you to talk, especially people. New model because in fact each era Each era, each generation, each generation may There are different ways in which it works including The necessary skills of each generation may not be It's the same as the model that used to be necessary in a skill. But when the next generation passes, it may become a skill that is not If you need it anymore, it's the opposite. A skill that seems like it might never be talked about. You may have to bring it with you, otherwise It's difficult to live in today's world, Fern. Invite one person to talk. He's a really cool person. It's a Genuine, it's the same generation as Fir, but that he had the opportunity to talk with Gen X people who are executives and many successful people Most importantly, his organization works with generations. There are a lot of new agents as well. They're nice. Will be a person who connects and makes us see What are the essential skills of this generation? What is new and what should be cut as well? Let's talk together. With Mr. Kennakarin Wanakitpaiboon, CEO and managing editor of The Standard, hello. Ken, hello, hello to everyone. Thank you today. Until I get time for Mr. Ken. It's not easy to come, viewers, your eyebrows are very tight, thank you. I'm here to talk, first of all, as a person. We work with many generations at once. We see the differences and uniqueness of each person. What dimensions are the models in? What is your favorite? It's true that Generation really does have gaps, but I think there are. Live in every era, for example, Khun Fern and I are still children. We started to graduate and I remember that There are sayings like that about kids these days. Otherwise, I'm not patient at all. I'm impatient these days. There are words like this again, so first Else, I think it's a normal thing that happens in In society, if every generation thinks the same way, it's strange. But if you ask that each generation has What's the difference? Personally, I think Um, the reason why it's different before that reason. Different because we were born into different worlds. If you use this word, it's a different world. For example, people in the Genx era are older. We are about 10 years old, which is Most of the senior executives I grew up in an era where the economy was not growing. Is it the era that we are in? What kind of agency are the kids right now? Speak directly and begin to understand the meaning. What is the world situation like? Life stories Whichever way he goes, he is a low Buddhist. That is, when there was a coup and in the past 10 years, the Thai economy has become quite The side that will grow below 3% all along because Therefore, this is the context that I want to tell here. Just to show the picture of the world that we experience. Each era and era has an effect on the way he thinks about his mindset. Now ask: And no matter how different they are, they probably boil down to 3 generations. The main ones right now are most boomers. Maybe he has already retired or maybe he is. I'd like to give advice , but if it's Gen On the other hand, I'm a person who has the ability to call. that you are loyal to something consistently towards his organization and the institutions that Does he believe in his ideas that he seen throughout the period, probably because in His childhood went through a similar era. After World War I saw your father. A mother who is quite difficult like this, etc. So this Genx might not. Experiencing war firsthand but knowing that the world during At that time it was quite difficult. It's difficult, so K will be patient and work hard. Any job is for the goal of success. Success and, well, I don't look too much at work-life balance. I think everyone has to do it. It's hard work, and then we'll talk about this one. It is a way of thinking and because He grew up in an era that did not have digital technology. Full of the geny era, yes, it makes you familiar with the speed of the familiar world. Towards the digital world of information communication and consumption Information in his internet world may I do not have much understanding of this matter. There is a kind of mindset. Genies like us are the generation that is now in the middle. We are in the middle as far as I've noticed it myself and my friends. That we, especially Thai people, are Jane. The reason that I rather give more importance to work- life balance is that I don't believe in it. It's about working hard and we're still not there. It got to the point that I had to come out to work. I'm free. I don't have to invest in stocks anymore. Must have a regular job. Simply put, we still There is still fear of something because we are right. Our parents, both genx and baby boomers, taught us to a certain extent, but we started Pay more attention to other dimensions of life. We are beginning to see that flexibility This is a good thing. We are starting to see the world. that opened up from the matter of digital or Regarding technology, we are beginning to see that The world communicates without borders. Even more with just a click of our fingers. We still don't understand it much. We still have to. Adjusting means being in the middle of Gen C. Now they're at the age where they're starting to work. Or are you close to graduating? Yes, the character that really stands out is He is truly a digital native, with knowledge and understanding of The technology is so high, I wouldn't dare say no. I can't be patient, so I have to use the word. The attitude towards work is different. Differently, they view work as just one thing. It 's not just work, life or balance. I think the Yea circle is a different circle. Work is life's work, a Part of Life, right? That's right, it's a Part of Life that depends on us. It's not work, it's hardly a big part of life. Also, that's why he looked at him. What I have talked about is if we look at it in an investment framework. I want to get rich quickly. This is normal in this era. We wanted to get rich quickly but one thing I got I was quite surprised when I heard that I wanted to retire. Hurry, I want to retire at 30. I said, 30, are you already retired? This is one angle. Because the world is quick to see the success of people It's fairly recent that people who do digital stuff are doing it. Pretty fast technology, so damn A matter of understanding technology and Speed and not looking at work are both. It's all of life but it's just a part of life. That's how it works. change but I think the important keyword is flexibility or flexibility which the word This is a word that in the past , Gen In the textbook it means flexibility, not head. The heart is the heart of working and doing business. is strength, is reliability, is Stable, but now the world has started to turn upside down. Increasingly, it becomes more flexible. It's a heart. Even if we see Covid, we can clearly see it. That race is important, agility and speed are more important than just how big you are, it also gives perspective to this generation in working in the Investing in lifestyle is quite a change. Going to this one, I'm looking at the framework just for work. Because if you look at other perspectives as well It would be too wide, but let's take it like this first. Because I saw that Khun Fern's business would be related. It is mainly related to this matter, but it is clear. at once, because it actually reflects A person's point of view and way of life. Each era, now if we talk about skills What about Mr. Ken? If you look at the things of the new generation You must have it because if you don't have it. It is difficult to fight or even he may compete in society. where competition is high and success is desired Fast is also difficult. An important skill is What is it really like when talking about important skills? We search in Linkin, search in Google, search in Harvard, and all these things. There will be one. Well, so I thought, what should I do? What I have connected is enough to get the perspective that is It's more useful so I want to share it like this. Khun Fern would like to share that I will answer from 2 angles. The first angle is that it is a skill that I have or a mindset or a method of doing whatever. That's why I think Timeless is a classic, no matter what era you're in, it's still necessary. I think there are still many things. For example, the second one is probably answered in the corner. That said, it's starting to be a new skill, a new mindset. This speaks a lot to older people like me. As it continues to grow, we must try to Stop thinking about something, stop doing something even. This will be taken from my own experience. Now I'm in my mid-to-late 30s. Going back to episode 20, hey, we've been there. What did we miss or do I want to go back and tell you? How do you feel about yourself today? You might answer from this angle. Yes, I think the first one is similar. Every era, every era. 1 You have to listen to your own voice. Listen to yourself as much as possible, listen to your own heart. What do you really want in life? What is the purpose of your life? What is your passion? What do you want? Certain in matters of work and life. What is your meaning? Find yourself to use that word. Well, I think that especially in this era. I talked to quite a lot of young people. There's a lot of social media. It's a world of fragmented media, so there will be a lot of comparisons. I have noticed that people in this era are the ones who have Mental health problems, or if there are problems, there are quite a lot of mental health issues. One of the key things that I have read about in research is The matter of comparison is Shool Media, no matter how good it is, it's not good enough. At age 25, you must have your own business, you must have a car, you must start paying installments. The house must have a girlfriend and must be a tiktok IG star. Another thing is that it's very demanding with people. One of which, the reason is because there is a comparison. Let's compare more, so now I want you to listen. Other people's voices are less, no need to pay attention to it. Do you have to compare with anyone? You don't have to worry about that. How good will he be? Each person will cost his life. The answers are not the same. Well, come back and ask yourself. What exactly do we want to do? Society wants Let us do that, but if it doesn't match Our needs, I think this one is very important. And the second one, once we know it, it's You have to search or maybe it's not. Just standing there, it suddenly found me that it wasn't Fern. We found out whether we wanted to be a master of ceremonies in this area or not. This work is the same for me, it must be tested. Try it, you have to go down and do some things, but if you find it. If you find it, I think you have to cherish it and hug it. It's not clear. Asking what to do next is what I have to do. Give it your best, I think this is it. Classic, in the end, the most important skill. It's your skill. It's your skill. My meaning is that of skill. that something something that it is Your particular expertise may be a soft skill for others but it is a hard skill for us. For example: Communication skill for me, I know that this is My tricky skills in speaking and telling stories It's easy in that we are able to influence people. Another got through our communication, I think that's enough. We find what we like and we have to do it well. As much as possible and this if I want to tell you guys, there is no way to be rich in love. Fast, talented, fast really doesn't exist in this world, I think. This is the beauty of it, okay, we might It will be faster with AI and gpt chat, but there is nothing that can be done like this. It's simple, it must be obtained with difficulty. You have to be patient. It takes practice. So if We already know what we like, I think. We have to practice it with real intent. Going deeper into the details of it, Kobe br once said , Mr. Fern said, well, he's a basketball player. Yes, the one who has died is said to be normal. One day, a basketball player might practice about 2-3 times a day, but this is a bad thing. Wake up at 4:00 a.m. and practice about 5-6 times a day. On another day, the host asked me to do that. go For what reason? I don't see any difference at all. Basketball is the same. He said that the first year might not be different, the second year might not be different, but the fifth year. You don't have to ask me if it's different from others. Hey, because of the distance between people who do this again. And then repeat the story to people who haven't done this. It will be so far away that there will be no way to catch up because of the cost. The most important thing is the matter of time, that is, the time. You spend on things you think are valuable. For you, I think that this is the What is your specialty or what do you like? Khun Rak Nia invests as much energy in it as possible. As much as possible, this is a skill that It's pretty classic and doesn't have to be. The third time depends on the classic one which I think is very necessary. More and more is about soft skills because just now we talked about hard. Soft skills are skills that we have to work on. Working together more with other people, for example, the collaboration skill of Complex problem solving, solving complex problems, more complex problems. The matter of being a public speaker, being a sales person who can sell things is a matter. These things in the past may not have seemed very necessary. Because the world is not like this but This context has changed, I think, no matter what. It is inevitable that you must have soft skills, so you must practice your soft skills since you were a child. Together it will help you develop your work in this area. This one is 3 things that I think are quite Beside the classics, however, it is still necessary. The one that added an on and I looked at it. Looking back, I secretly regret it too if I think it's more important to do this. The first one I think is text, text capability, text skill or you can call it Digital skill, it will become a skill. The new basics of the world: anyone who doesn't have it will lose their job. Right, just like we saw the story of Chat BT the other day, had a chance to talk with an executive who said that AI doesn't take away people's jobs, but people who can use AI are the ones who will separate jobs from people who can't use AI. I think this is One of the keywords for me of the year. It's true, because recently we saw Mr. Satyanadon. He came out to talk about the gpt chat that Microsoft invested tens of billions in, right? I saw him use the word C Pilot, which I think is the keyword. The same thing is, I'm not sure who reads the news. So how do you understand the meaning? But I came to understand the meaning. This means that after this, AI will come in as a co-pilot. Now, the question is: You, when you're working in your job, try Question: Are you a copilot or are you a lion? Ahh, if you're a copilot, that's your job. The work is redundant, the work is not work that has value, it is not related to Human Touch, it is not Human n, or it is work that does not have, well, creativity. You will be taken over by a new copilot, which is AI. For me, I think It is certain that AI is definitely here. If you are Like or you can develop yourself to become a person. So you can use AI and you won't. I had to think about how long it would take for me to have a headache. I think that a very important skill is this : text skill Digital skill AI skill Whatever, what do you want to call it? Ah, but I think it's the new basis of the world. The new business world of work, this one, the first one, the second one, well, I think it's still necessary, which might Continuing from the first point, it is Communication skills are the future. I believe people will work together more. Like we never thought of it before today. Interview with one executive of a bank Say, uh, if that happens, what's the matter? It's so big that one person can handle it. That big thing has shown that it's a big thing. Well, it's really not that big. That is, the problem isn't big. Is it true that it works like that? It's not a really big project because if it Really big, do you want to work together in the future? Even today we see that many jobs You really can't do this alone. It's easy about the environment that we talked about. Sustainability is just an SME. 15 employees will make themselves more sustainable. I think that's the case. You can't do it alone because it takes skill. Integrating knowledge from many different areas. You have to join hands with many other partners who are professional academics in some areas or Hand in hand with society, hand in hand with the government and academic agencies Is it communication skills? Collaboration skill will become another skill that if anyone If you don't have this, you will become a person whose value decreases quite a lot. This is the second one that I think is quite important. The third one may not have much to do with skills, but It's my observation, Khun Fue. You can see that one of my observations is different. Just now we talked about the Gen C students who are talented. So much so, I think he will be better than us. Gradually he is very quick and adapts well. But one thing that I have noticed is flexible. I feel like I'm a senior, looking at this. Well, if it could be added here, it would be good . It's commitment. Well, I feel like he likes it. I'm not sure why, but many people Is this the time when we assigned some work? That many times, when doing any kind of work, there will be no commitment. I don't want to use the word "commitment". Stepping on chicken poop doesn't make it scary because I don't think it is. But it's that there is really no commitment to that thing, no discipline or discipline to do that thing continuously, promise anything. I've said this many times before. It's really cool. Or maybe that won't happen, which I don't know. What is the reason for this? It is a very important skill in the world of work. and the world of business because no one will come Forced on you anymore if you want flexibility. Want flexibility on the other side. One thing is that you really must have self-discipline. Very high. You have to do that work in a way that doesn't require Dead L to tell you when to submit it. Whatever it is, you have to know yourself. This is a rough outline that I tried to gather and exchange. Let's change them. They are considered to be 3 skills that are classics, can be used in every era, and are 3 new skills that are necessary and that are not. That's not only the new generation, but people of all generations. In the present era, it is necessary as well. Now, we have to admit that in the past, Generations before us may have had issues. Necessary language skills in our era may There are some skills that seem to be important, such as Public speaking, etc. Because there is starting to be a discussion in the media about the announcement. More work. What are some of the same old skills? Will it not be necessary or sometimes something may It must even be cut to prevent the generation from becoming a big person. Let's go say that today's children often come to us. We heard it when we were children and today in the generation We often hear our generation saying that To the children of today in the same word. This is something that should be stopped for people. New generation or older generation or every It's the generation. Let's ask for the new generation first. Yes, today I really want to teach the new generation. This new thing should be stopped, right? I think people This new model might be in his range. What are you learning to build? If you want to look at it like this, let's do it. That said, let's take the overall picture first. Before going to skills, let's go to Minds first, mindset before we should quit. That should be stopped in every generation, whether you Whatever generation you are, yes, it is a fix mindset. A mindset is a mindset that is still. I say this word so often that people like to sing it, which is "mind". When you listen to it, it might seem like you're jacked up. I say it often, Duclice, but it is like that. Actually, Zosai, for me, this is what I am. Act like a tree that we are ready to grow. It always grows like a tree. It defies the wind and rain. Challenge the sun, challenge the dust, it changes carbon dioxide. It can be oxygen, it is flexible in itself. Quite high. This is a mindset that is very important that every time a problem arises, When challenges arose, we didn't know about COVID. What will it transform into? We don't know. We know what the economy will be like. We don't know what form AI will develop into. We don't know yet. One day, what will happen on this planet? Vuka or Lokbani, but if we were etc. Wood that is ready to handle every situation. Problems are what make us grow up looking at people. Who is better than us, don't we envy him? I wonder what we learned from him. Some are ready to open their minds to learning. New things regularly and make it Habit of having fun with it. We're ready to open our minds about matters that we don't agree with. Listening to people who think differently than us, I think this is the mindset that we really need. That has to be instilled in for oily hair. It's like a muscle, you have to train it every day. It's like people who want to have a six-pack, people who want to be healthy. Well, you don't just do it one day and it'll be over for you. You have to do it every day because if you don't build muscle, The meat will hurry and it will disappear, so Asked what is the most important thing to stop doing, it is a fix mindset, which is a mindset that is very calm and thinks that Everything is like that and will not change the mind that I know everything best. I don't I think I have to work with someone like this. It was necessary to make it disappear as much as possible. And I myself am flexible and ready to accept. With every situation, this is the mindset. As for skills, from the perspective of the new generation who I just started working, so I'm not very good at it. I'm worried about him about digital. I'm not really worried about him. He's good at working with the modern world. with us a lot, I'm not really worried about the language. What's the matter with England? Well, if there's one thing that I I think that if we could add more, it might be good. He is ready to listen to older people who may Don't think like you or are ready to open up. Listen to older people who may be slow to think of them. Because it's not as fast as Uh Heh, that is, it reduces Become a little more impatient, which may be difficult because Hormones were raging, I understood that at that age. Yes, but if it happens calmly and without rushing. It's hot to shout it out without having to use your body. You yourself are the center, I think. After all, it is your future already. You don't have to worry about me saying this. Don't worry, it's yours, you'll definitely come up. As a future leader, you will be better than my generation. So many things, but how do you compromise? Or you can work with others if you want to reduce it. Your own self becomes open to listening to others. More then I think you will be the generation The new one is very cute and I've already noticed it. Yes, we have to admit that in Thai society we still have this kind of culture, that is, we like people who Being humble does it, but being humble doesn't mean it. that we must obey everything, we only listen We don't have to believe it, we have our own thoughts. We ourselves have ideas that we think are good for us. The world is good to us, good to the organization, but we are not. You have to be proactive, you don't have to start a war all the time. You don't have to go on tour with anyone all the time, it's possible. I think that if we adjust this skill a little bit. Here's a little bit of calmness, openness and listening. A, I believe, I really believe that you will be a person. That everyone wants to work a lot too. Yes, yes, yes, yes, now it's the older generation. So, have you prepared it or not? What should he cut because he might be in There was a time when it used to work really well with making designs. the same or have certain skills but in the day Nothing could be better than this. Well, if the older generation might not have reached my generation yet. Well, if there is one in my model, I might try adding it as well. with Khun Fir as well because he began to feel that he Starting to have to abandon something if the generation I think one conclusion is That is, you have to give it a chance. I think you have to stop holding it. Keep some things to yourself, which is difficult. Yes, because what I'm saying is myself. Also, when we work, we, we, we accept. Whatever we are responsible for, we think we can do it well. Yes, but the world has changed many times. We're not the best, we're not human. We know the best about that, but we still Before it was kept alive with whatever I think we have to dare to empow others. Dare to let others try. But this matter is religion and art speaks of it. It's easy, just let go and it's over, but it's not. I got kicked into the water and had to support it with it. It has to be Kochi. Talk to him. He has to coordinate in 10 directions with other people he works with. He has to give resources, give capital, give opportunities, give time. There are many other things. This is another perspective. One is the perspective of the giver. Therefore, if My question is that the older generation will probably have to let go. In some areas you think you see potential. Of other people who are already working better than us? that there are some things that we may not understand A lot, as Anan the wise man once said. What shame would it cause us to stop doing it? Some things we thought we didn't know about. Or if you're not good at it, you won't be told you have to quit. Everything because I really believe that people Seniors are still very valuable in every organization. Related institutions are also very valuable. But we'll call it contribution to the story. This is for sure. So if In conclusion, if you ask me, it is necessary to give an opportunity. More and more, so I come back to myself as well. Myself, Mr. Fer and I are the bottle next generation. It's a little bit of a bottleneck. It began to dawn on me that our generation was the generation that I wasn't. I know some people say that Gen Z is a stressed generation or not. But for me, I'm stressed out. Same, same credit, stress in every generation. It is the right generation, the generation that is about to grow. Gradually rose to become a higher executive To bear the burden of digital pressure, you must study. Social media has to follow wherever it is, whether it's Korean or not. Wherever you look, there are various stories that need to be learned. I know that family must be given importance and time to be open. It was an era where serious responsibilities began to be felt at home. You have to pay off your car, you have to pay off your children, you have to send them to school. Friends have to take care of their parents, which is me. that it is an era where we are under a lot of pressure There's a lot of sides, so that's it. Asked, then, how do we deal with this kind of thing? Well, for me, this is our generation. You have to have the courage to deny it. It's the beginning. We are beginning to see what is truly important to us. If it were a younger generation of Jane or the era in which we were born. Children, we search for ourselves and experiment like I said. Oh, you have to experiment a lot, but in this era we started And then we know that we are really good at it. How will that thing make us stand? We're beginning to know which ones aren't working. Really with us or has it ever worked? We have done it. It was good, but oh wow, the kids are much better than us. For example, I'm in the tiktok media industry. At first, I wanted to watch it. Go down and play by yourself. When you see the kids doing it, let them do it. You're better than me as a teacher. This stereotypical side is his locus. We must dare to let go of certain things. Say no to something you think you can't do. And is it really better for someone else to do it for the time being? Likewise, it may not be to the level of the elders who are like this. Letting go a lot, we have to be proud of something that we I think it's very important, so ask about skills. What is most important to me besides the story? Zeno is about prioritizing. prioritization That is, this story became me. I don't know if it's a skill or not. For myself, I give importance to this matter. A lot of it is prioritizing work. Prioritizing time in life that we What is it used for? Important grading The matter of relationships takes care of everything. Because our time is really limited, but everyone This is wanting us a lot and adults also need it. We children need us, wives and husbands need us. Do you want us to teach you work or something? Need some work orders from us, we are A generation where there are only people who want to use our energy. Well, because we are a generation that is having quite a bit of power. There's a lot on the side. What can I do to keep it from flying out, causing my energy to keep replenishing? regularly, so I thought about resource allocation Before that we have a method for prioritization From the priority in Life in every aspect is a skill. One thing that probably needs to be revisited. Do your best. The other day, there was Opportunity to talk with Mr. Tuffy Sho, please allow me to share more. Please add a little bit about this. Or what about prioritizing? Actually, this is enough to read and listen to again. Again, from Achan Noppadon, there are many. A little bit said that there are people who are farmers. Japan is the best melon and they get 1st place every year, which means it's the best melon. In Japan, which Japan is serious about. Food to eat as well, so now he's gone. Asked how to get the best melon in Every year they tell you a very simple method: melon inside. Each tree will have many children. Choose the child that looks like it has the most potential and cut it. Another tree and then cut off the other trees from that tree and leave them. It's all gone, there's only one child left, and that's it. Becoming the best child is an art. of the act of cutting something out We go to see that there might be something important. Even better is the best melon. Let's try to find out what is the best melon in yourself today, this is a skill It's interesting because we have the same 24 hours of time, Mr. Ken. But the children of this generation, the generation New or even, our own generation has many things. All that needs to be done is some orders from the boss. Is this an order from a customer? It is something we need to do in order to live. It's full of things that we want to do. But now, how do we arrange them, Mr. Ken? Do you have any skills or methods or strategies for prioritizing your own time that you have 24 hours ? I used a lot of meric but it came out different. Using this estimate, we first You have to reveal what it is first. An important component in my life, I do as First of all, personally, I have summarized 4 things and then we will arrange them in order. What I organize the most is time because Whatever we give importance to, we will give time. With this thing, I believe very much that it is a cost. The most important, uh, my first four things. It's about work, A is about work, which I include in this work. Let's go to the matter of self-development as well. It's not that we're the only ones working, it's us. Is it possible to work better or not? We have to learn this, it's important. 2 is the matter of, uh, health. The matter of Health, uh, it will be consistent with The job is that if our health isn't good, it's over. So we can't work, we can't earn money. Well, health allows us to do many more things. Quite the opposite if we don't have good health. Well, if I'm stuck in bed, everything will disappear. Is it useful? Is it right or not? It's not useful to everyone. I already know that the third one is Levle. Relationships, I never had quite a lesson. Next, make yourself learn to learn about This is about my mother being sick and I don't know. My mother told me many times and it turned out that I We didn't take you to the hospital. You went yourself, we know. I feel guilty about a small matter like this. Why do we treat this as a joke? Not giving importance or importance to the couple Our love with our friends, I think we humans Happiness doesn't lie in working hard. The only thing is that we have people around us who make it happen. Do we have a good relationship or not? There is already research telling us this because Therefore, the importance is the 4th important matter, the matter of play, the matter of play, the matter of play, the matter of play is the matter that is work. Hobbies that make us relax Things that make us go out and do other things. Some of them are not work, which is why I brought this up. I come because many times this matter is viewed by many people. It's nonsense, but for me it's something else. One side of the coin that makes us work well. Oh, maybe I'm a crazy person thinking things like that. It's not work, it's like we travel like crazy for I or I think Fir is like that too. We didn't go. Travel for relaxation only. Many times we go to learn, we explore new things, we search for new things. Use it for work, so having time to yourself in some play, some play, I think it's another side of the coin that We can't live without it, so there are 4 things here: Work, Health, or Love, and Play. Now, these are the 4 things that we Let's prioritize what we will prioritize. Why is it important? I personally don't believe in work- life balance. I've said many times that I don't. I believe it because I don't believe in the technician's brand. It's the same and I don't believe that each Each generation has its own methods. The allocation is the same, so it's There is no textbook on the principles of life that will tell us how to put those 4 boxes in, right? Heck, the life of 20 year olds, I think it works. It's huge because you're building up. In your work, you may give weight to There's a lot of work involved, but Otherwise, you may not give it much time. And then you have to accept that in our life, the fact of life, there is no way you can balance it. All the time, whenever you give me time The more work you do, the less time you'll have at home. It's a normal part of life. Yes, we have to trade off without you. If you give the same amount, I think It's strange, like the melon just now was not like that. That melon will never be a beautiful melon. Or the best because every melon will be the same. I think that the stage of life will be different, that is, age 25, age 30, age 35, age 40, 45, 50, 50. Each piece of life will have a purpose or have different conditions. For this, you have to Go evaluate for yourself what it's like, right? Now that we've come back, we've evaluated it. Ah, I think I'll use one theory: the bottle. I've probably heard it before. I like it. What I really like is that when we all have the same amount of time, that is, 24 hours, that's a jar. Well, we divided it up like that. Which is important, which is less important, and which is not? It's important if you want to really take it seriously like this. The point is that it must be both important and urgent. What's the urgency? Let's talk about it, but it doesn't matter. I think I use it sometimes when there's something going on. There are too many things, but here it is. The most basic type is divided into 3 types: 1, big things, important things in life that What we think is necessary is a large rock which It depends on how many of those 4 boxes, Play, you will put in here. The second one is a pebble, which is a smaller one. It's something that isn't very important. Hurry and do it now and you won't cause any serious damage to your cattle. That one is a pebble. And the last one is The lumps of sand were the smallest lumps, to be honest. That is, there is no importance in your life at the moment. This is his principle, which is to say that humans Most of us like to put sand in a bottle. Fill the jar until it's full first. Oh, and then we forget that. Well, time is running out because whenever The tran is full of big rocks. Can't put it into the loading bottle I used to have. A mistake here that I can tell you about, like me. I didn't take care of my health at all when I was in my 20s and 30s. I drank alcohol and smoked beer. Smoking, sleeping little, not exercising, doing everything. Which is completely opposite to what the doctor told me to do. And then I only work, that is, I only think about work and work. But this rock turned out to be me. Got importance to it, apart from work That is, just play, like I said. But the story is full of play, which makes it I've lost a lot of my health. I'm not sure. Related to the matter of cholesterol and fat. In my story or not, but I believe It reduces our potential to work. When we start to get older, we start to reach 30 years old. Educate yourself, therefore you must Please divide carefully what is your big rock. Those 4 boxes are what you value. What is in each state? Please allow me to give an example. Right now, for me, those 4 are definitely number 1. I still give them work. I have to admit that it's a large proportion, I think it's even 60, 70% because we have a role. Baht and many things but it doesn't mean that I You have to give the same amount of time to work every day, 70%. It's work life flow. Some days our bottles and jars can remove this stone. During this time in April, I want to relax a bit. It's possible, so I like to call it work Life Flow. Well, it's Flow. It's like the sea, like water, no matter what it is. Wherever it goes, it will adapt according to the container. Its if the current situation, let's say you have For young children, I think we have to give importance. Because it is the most important time for a hypothetical 3-year-old baby, we must do whatever we can. Can the matter of work be reduced or do you have to reduce it? Other things can be done. This one is an individual matter. Coming back, it's 60% 70%. I still give it to work, but I give it to He early on as well, in the latter because I feel it. that a healthy mind resides in a healthy body You're only strong if your body isn't strong. Your labor will suffer immediately if you are not energetic. I didn't wake up and it was there. You will have power to work, if you don't have power then your work will not work. Unfortunately, no matter how good you are, if your heart No, your body isn't. It's all gone. So I think this matter is important for me. Change your own time immediately during many Covid times. Maybe enough to be firm enough to wake up very early. Like this morning, I woke up at 6:00 a.m. and came to run first. What? We're lucky right now. Online has been resolved. Sometimes we have a meeting in the morning. Something like this: I find time to exercise. I don't think there's any excuse to say that we don't. When you have time to exercise, the excuse is that you took a lump. Too much sand was put in there. Very similar to health issues, just now I just talked to Kun Ah Faen around the corner. I'll eat less fried food soon. I quit smoking and my alcohol consumption decreased. We go a lot, but there are still some. We have to be social, but we're not like that. Prick like before, have fun like before. Uh, try to take care of your health more. Eating. I have reduced a lot of flour because I know that it makes us now have to take control. We want to lose weight later and stay fit. You can do this all the time. The third thing is health, which is relationship, which is To be honest, my score is still not good. Oh, because we don't have much time at home. Or I spend too little time with my wife. We will try to find time to be together. You don't have to think about work too much. Quality Time, I think it's not just yourself. The only thing that calculates time is the Quality that we spend together or we share our perspective on. We support each other in our life together? Even the last friends will be ordained. Funerals, weddings, whatever, if possible. I won't say no and I'll put it in my Google calendar. It's no different when it comes to meetings. or health issues because I consider that Relationships are things that are bought together. If it doesn't happen, then I don't count on Business Connection. That has to be me. It is considered work, but the relationship that Being honest with each other makes us who we are. I'm a human being, and I think this is what I did. Let us truly have lasting happiness. Other stories, including the last story Regarding the play, we have to admit that at this age, we are very young. I really don't like this much, even if I watch YouTube, whatever I do, it will throw me back to work. all the time, which this one was lucky in that it turned out to be Maybe it's because I combine work with Play. I really enjoy it. It's like I'm playing a game or doing something with The Standard or The Secret source or learning. What are some of my things? I didn't say that. Everyone has to do the same as me, but I really enjoy it. Read books and study or go to lectures. Come exchange ideas with you. Fern, fun stories about academics. Having fun with it, it turned out to be quite a story. Not a lot, not a lot. How do you ask now? What did Liak do that didn't count on leaving? Physical strength, which I included in that, well, no. There's so much to do, it's just traveling. Or did you open up the world to yourself more than this? It is a method of prioritizing. I now depend on the big picture, yes. No, it's like roots. Here's what it looks like. In terms of each day, each month, each week You have to manage it each day. Well, it's going to be the best for me, I thought. That every day must be happy, every day must be fun. Life is fun. Life Is Fun. I really believe that it must be fun. Anyway, let us enjoy living life. Oh, each day really has the power to Doing various jobs, I like to tell you that you have to give. Reward yourself every day because otherwise we know. It feels like we are always doing things for other people. Follow the customer's orders, follow what the boss orders. Do you do it stupidly or do you follow the boss's orders? The best thing is what Mr. Ken described. What you have to listen to is that he really likes to wake up and exercise. Because it feels like hey, we're giving ourselves a reward. yourself and or eat a piece of chocolate that is like It feels like we really like it. Yes, we are happy if we start the day well, I believe. So that whether it is 8 hours, 10 hours or more, you will have Broken energy in living life and then passing on positive energy To those around us as well. Mr. Ken shared with us the details of the arrangement. Time and prioritizing. There are 4 parts. Finally, media creators. And actually it is a new media that is overtaking. The road overtakes every curve. Actually, the media is bored. There are really a lot of them. The Standard itself is a quality media and there are some pictures. A lot of them went to help The Standard as well, but one thing that we saw was that we May not be able to choose the right size for the media. That's because the feed is coming in a lot. It has advice for today's people at the beginning. Keng said that when it comes to social media, There are a lot of them, it might cause us to feel deessed or some people might make comparisons. Then it became a problem with health. Mentally, how do we advise people to consume media? People who make media, even though we are good media But we have to admit that we may not be able to It can be filtered that much in terms of receiving content. This life, I think, is similar to It's a matter of prioritizing consumption. The media may come back and ask itself first. Consuming media seems like a behavior similar to eating. Rice, people don't pay much attention to it, I think it's okay. Turn on your mobile phone and keep plowing. I think it's us. We have to step back a bit because we plugged in the media. For what reason? This might be a question. A little bit of philosophy but, well, I'm a media maker. I know what the media is thinking and I know what influencers are thinking. I know the context quite a bit. Well, I think the main thing is 1. We use it to keep up with updates. Keeping up with the world and keeping up with the times is beneficial. Whatever business, the second one is Entertainment. is a matter of happiness It's really fun. There are only 2 main things in this. The aspect of consuming media in the way we plug it in I don't accept any communication like this. These are only 2 things. Right now, I think the main ones Each day, each hour, we Using a mobile phone may require a little thought. One thing is how much and how much we use it with. Each one that we use is, uh, it's glossy. Is it really good food or not? Healthy food with just a little more Why? Let's take the first one before the news update. What are you reading or reading news about your friends? What are your friends doing? Connections are necessary. Or not? It has to be updated, I think. This one is quite personal. I use the story. There's a lot of this. It's up to you to decide. What do you choose to consume? I will reject this one from my point of view. It may be wrong. I will refuse to let the information flow. It came in like a dam. I didn't like it at all. I didn't. What do you like that I keep plowing and the AI chooses for me? I'll choose it for the plowing person. Always remind yourself that if I plow for even 1 or 2 minutes, I'll start to shut down. If I plow continuously, It means that we have nothing to consume, that is. Starting to run out of all the gags and all kinds of jokes. We're starting to get some of what it might be. Is it a waste of time with us or not necessary with us? What I do more is pass the time. continuously, that is, instead of letting it control us If you have to conroll, I'll choose Subscribe. This one might be on YouTube a little bit. In the media that I think I like, I think I believe, but I think It has quality. It doesn't have to be The Standard or even okay. Mostly it's me. I will consume a lot of foreign media because I have to. Keeping up with the world will follow the media that I think it has. It's really the quality we choose for our cham , or at least in our world it is. The media has quality, which must be diverse. Also, I'm not saying it's an official opinion. City on one side, this depends on the person. That, uh, I won't choose just one medium. Many times, I choose knowledge. Choose a lot of knowledge, such as TCH Talk, what kind of media is knowledge, Big think channels, various channels that are, well, universities. I will talk about these things because It's necessary for me. I'm going to subscribe to all the research so one day it's like I'm immersed in it. Without forcing it, sometimes I open it and I find it. On explaining quantum matters Physics episode opens to find the story of Economics is what makes us feel that This is not unusual. We choose areas that we think are necessary for our lives. Or even share things that we think are necessary. I think we can subscribe to quality media here that is not just about Professional media only, influencers, or other things are also involved. Same here, I think if we You can choose and we'll filter as much as possible. As much as possible, I think I'll help do it. Let us be more in control. As for the second thing, regarding happiness, I think it's freedom. This depends on the person. People need to rest. If you have to watch a Korean series, what should you watch like this? And it depends on what I'm thinking. But just one request, uh, I thought. that the media that it gives information to test the media that it gives Is the information distorted or distorted? It doesn't make society better, it creates conflict. Contradict or ask questions that are not good for the story. What kind of things are there in the consumer market? Ha, you have such high power, you can deny it. That is, you should stop liking it and press Subscribe, which, uh, many people say what society is like. Media is like that, media is like society. It's like that. It's chickens and chickens. It's bad. Who can't, but I believe it's other than the media. I try to start with myself first, as you have too. Power: Consumers have a lot of power in choosing where they want to eat. Do not consume media that you think is toxic to you. Society or something like this is a bit of a bummer. It will gradually emerge. The good atmosphere that arises is more like this one. This one is a brief summary of 2 angles from which I look at the fake news story of the post. The matter of making your own mental health is not I was compared so much that I thought I might not be able to touch it. I'm not an expert, but if it were me That is, before going to bed, mobile phones must not be near me. It's difficult to do. Sometimes it's close but it's not. It doesn't open. I just close it. If it's closed, it's closed. Actually, most of them are still open and still doing it. Do you still have work or something? Really close it and find time for things. Others, most of which I watch, are documentaries. I still have a lot of problems with work and I like it. Naha, or sometimes we just listen to songs that we think about. That it makes us relax. Well, whatever. I got some places to put my mobile phone because That right now we're really addicted to it. It's like It's something that is done automatically. Automatic subconscious mind, subconscious mind, subconscious mind Right conscience, which I think is very dangerous. You don't have to look at the website all the time, just turn it off sometimes. Oh, there's too much, Brother Xiao said. But it's good to watch some of it yourself. It's good to eat in moderation. It's appropriate. It's really another thing. As that Fen has the opportunity to communicate with Fen that we must Separate which one is FA and which one is opinion because we watch until sometimes we separate If it doesn't come out, we often think that the opinion is FA, which really isn't a problem. I didn't become a victim. Yes, this is true. I would like to ask for a moment, Khun Fern said this angle and would like to add. A little bit that if there is something that I think must be Strengthen your own immunity, using the word Media literacy, then you must get vaccinated. This is often the case. The moral is very simple. Don't believe number 2, don't believe number 3. Don't believe it. Don't believe anything I say today. Believing what someone says is good without, uh, blind spots. The best is the person who looks the most skilled. Don't believe me, I'm not telling you it's wrong. I'm not saying I'm going to tell lies, but some things Something doesn't suit you or something. Some things you have to go back and think about yourself. Well, you always have to ask questions. In English, it's curiosity. Having a desire to know, having doubts. All the time there is an examination of the truth of that. Is it true that there is a return to business? My own home, this is what I should do. It is included in the education system because it There are thousands of basic skills that make you I understand that the modern world is full of change. It can fluctuate and be uncertain at best. Otherwise, you'll believe everything. It will make us, er, spin with the world, sometimes quickly. Too much is not good or believing something that is not true. It's always true in that kind of context, obviously. It's quite clear from what Ken told us. Please listen for the dimensions of application in In terms of various skills, here, in one aspect, Mr. Ken I am also the leader of the organization. It is believed that many people view Mr. Ken as a leader. In the way of thinking in order to communicate. Stories and bring good things to share. Recently seen Said that he had his first book. Is that right? Can you please tell me about it? Well, I'd like to sell things now. Actually, this is the first book in 7 years. It's the 3rd book in my life. Before this, I was I have been a writer before and have written 2 books. Well, this book is called the invisible leader. Another invisible leader. It is called screening the interview. All that I have ever discussed with executives There were many high-ranking and talented people during the time that they made The Secret Source and then made The Standard. Well, I use the word "handbook" because of the group. I am a business leader's guide to the 21st century. Well, like Khun Fern, since I've worked at The Standard and talked with smart people, I feel like I've tried. Decoding the secret to success, right? I'm very good at what happened and then I found out. A very important skill that was just now. Maybe I didn't say it with Mr. Fern's. The matter of leadership is because the organization will How is it or not? You have to be a leader yourself. It is that you must have leadership within you. It's the meaning of leadership. There are many dimensions, so I probably didn't explain it. It's detailed, but for me, this is my interpretation. You have to read the book correctly and read my own interpretation. In addition to being a leader, it is about influencing or having influence on other people. Nok, inspire, whatever you say in the present. The definition for me that I see is that it's like you. Fern brings together every skill you have. It will be a matter of Public speaking Communication. Solving complex problems All creativity is a fiddle. Skills, come together and shake shake shake. Then take it and put it in, extract the gin, and then it comes out. Well, in short, it's leadership skill. Well, leadership skill is the combination of all the skills needed to do a job in a soft skill version that it combines. And that is, if you have leadership within yourself, you You will communicate better if you have leadership. You can solve complex problems if you have As a leader, you will be able to work with others. If you have leadership, you need it. Creativity is therefore it It's very important, so I thought I'd like to. Take these things and pass them on to everyone. I got to know and learned something that wasn't part of the script. Just a straight-forward interview, I had to study all over again. It took me 2 years to write while I was studying. All new and besides the Case Study, I put my own experience in terms of founding The Standard in terms of thinking in doing it. There will not only be work but success. Failure is the wound of my embarrassment. It's full of work, but everything will come back. Where leadership is said to have a new meaning What is the meaning of leadership in the present era? I believe that in this modern era the world has changed its context. Change the leadership and change the person. It's been cold-pressed and it's not the same as before. Today Khun Fir is talking about skills that You have to start and quit a lot. Leading is one of those that you have to start at the moment. The same thing has many meanings. Leadership changes, you have to stop giving yourself up. In short, it's more like listening. Orders like this etc. in the past could only be ordered in Today's leaders must listen more to past leaders. is the person who manages the present leader is The person providing the service must be a person who is coordinated. This is just one example in the book. It will be discussed in terms of the reasons why you must Change the definition of its meaning that changes including how to change it, so I call it It's an invisible leader's handbook for business leaders in the 21st century. It's being sold at a book fair. How much is this for this book fair? It was at the end of March and it was open for business. Pre-order on all channels of the senda the secret source during the attractive period. Around mid-March, I'll probably let you know. One more time, then I'll be happy. Allowed to subsidize 10 books. This one must be reserved in advance with L signed. I'll give it to you. Fans who listen to Capitalism today, 10 volumes, invisible leader. Ready, Mr. Ken. I'll have to find time for Mr. Ken to sign. First, but wait, what question should I ask? Hey, Mr. Ken, please help us think about it here. So what leadership qualities do you think are necessary? For the 21st century, it's from your point of view. Well, each person has 1 quality and we will choose the one that suits them. Together with the team, I would like to use the rights of the team as much as possible. 10 books. I will contact you soon. Go back and ask for the address and I'll send it back. I'll give it to you after the book fair, which is in March. I'll wait for his book to come out first. Have Mr. Ken sign it and I'll send it back for sure. I'm going to bed in April so I can read it in time. Songkran so we can read it for everyone who doesn't. If you can, or if you want to go support it, I'm happy. It's even better to buy and give away for Thai New Year. I want someone to be a good doorman. Read it and feel good. You can support Mr. Ken. We intend to do this for 2 full years together. Today, thank you very much for coming to talk. When we have a chance, we'll invite you to come talk and have fun. Hello again today. That is my point of view. Mr. Kennakarin Wanakitpaiboon, CEO and managing editor of The Standard, talks about the skills that the new generation must have. Because each generation is considered to have been born into a different world, so there are 2 parts: skills that are Classic, no matter what era it is, must have 1 thing, which is to listen to your own voice. Don't go. Compare, don't listen to other people's voices too much. 2 is to add skill to things. We found out what we did well and what we didn't. What are the shortcuts to success these days? That is the one that will allow us to go. To be successful you must accumulate experience and the 3 are soft skills, whether they are Communication to solve complex problems? That being a salesperson is considered a skill that Important in every era. The second part is a new mindset that is necessary, especially for the new generation. What I can't have is 1: text skill or skill. If you don't have it, you can tell me. I thought that I might lose my job because it was considered It is the basis of the modern world. The second part is communication. Communication Sir , with a world that is more open, communication Therefore it is necessary and considered to be something that makes Who in particular has made more progress? If you are a new generation and the last thing is commitment or is it following your wishes? Commitment or doing what we promise? Keep in mind, this is very important. that the new generation or the new generation needs I have to add it in the modern era. There may be many challenges, but don't. Forget that Kim is as important as anything else. As for the things that need to be cut, there are also Mr. Ken. It's been said about many things. The biggest one is fix mindset. What do you think? that it must be like this within this framework must be used Just like this, like this we have to If you've changed, you have to change your mindset or change yourself into a tree. This wood, whether it's summer or rainy season. Or even in the winter, it can still stand. You can get it even in the winter and sometimes in the dry season. There will be leaves that need to be blown down, including some This is the beginning. In the winter in some countries it's almost There were no leaves on the tree, but one day It's entering the summer, entering the summer. He came back to bloom again. This is the GR mindset, which is to change according to Conditions that have changed are ready to evolve. Always sprout and branch out. It's the new generation that needs to have more. That is, you may have to listen and then you may have to try. To understand other generations, such as the older generation that Do you think like you or do you think unlike yourself? I even think more slowly than myself. But for It's the older generation. If you want to know what It's an important thing, Ken said. You may have to let go in some matters. Give the new generation an opportunity to come up and do their duty. for us, although it is not an easy matter, That you should start doing it. As for people who are Generation Y may have to refuse sometimes. Yes, because it is the middle era. Between the people who have potential is the big generation who He trusted and assigned me to do many things. Like a person who is a genz who needs Support support or coaching from people in the geny group, so we have to choose. Receive and then choose to reject as well. Let's move on to the matter of prioritizing time. Mr. Ken said that there is no such thing as work life balance. The one he uses is more work life flow and he breaks it down clearly: Whether it's work or health. Regarding relationships or matters that you Live your life to have fun, it's all about playing. What is important and how much is it? Choose to add gravel before adding sand. Put water into 1 jar and that's it. Finally, choosing to consume media is really similar. With eating before we scoop When food enters our mouth, we still have to see if it is. Which type of food is flour or wax? Is it or is it a bad food? Is it healthy or not? It's the same with media consumption. Don't let the media flow into your brain. Do we think in our hearts that we do not deny? I don't choose at all. It's possible. We should. Be the one who chooses to consume, not let the media do it. The one who chooses to come up for us to consume is this. The tips we've brought here are for the viewers. If you want the book that you used, please. This is the first volume I've written in 7 years. Invisible Leader, as I said, will give away 10 volumes with signatures. Answer the questions easily. Yes, it's an important skill for leaders in the 21st century. From your perspective, for the 10 lucky people, the team, if you've already received the book, you'll see. Give it to Mr. Kensen and send it to him at the beginning of the month. April. As for today, thank you for following. Don't forget to Subscribe and wait. Hello [song] .
