Ang pambansang wealth coach na si Mr. Chinkee Tan, kasama ang ating pambansang kapitbahay na si Mikee Quintos at Chef Hazel Cheffy!
Ipaghahanda nila tayo ng Sinigang na Bangus na healthy recipe para na itinuro ni Ninong Ry kay Chinkee Tan!
Ang usaping pera at utang, panoorin sa FULL EPISODE na ito!
Ipaghahanda nila tayo ng Sinigang na Bangus na healthy recipe para na itinuro ni Ninong Ry kay Chinkee Tan!
Ang usaping pera at utang, panoorin sa FULL EPISODE na ito!
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FunTranscript
00:00Dear neighbors, Chinese New Year is just around the corner.
00:04These are what I've saved.
00:06I've saved a lot.
00:08Let's count how much we've saved this year.
00:12Is it the same for you?
00:13Are you happy like this?
00:15You're lucky, right?
00:16You're so lucky.
00:19Let's put our firecrackers.
00:21Ouch!
00:22Ouch!
00:23My goodness.
00:24What's that?
00:25I spilled it.
00:27Ouch!
00:28It's also spilling.
00:31My goodness.
00:37I know you.
00:38I also know you.
00:39Really?
00:40Yes.
00:42But you're the one I watch online.
00:45Friendship, do you want to save?
00:47Friendship, why am I still not rich?
00:51You know what?
00:52What?
00:53My mom gave me a gift of your books.
00:55You even have an autograph.
00:57The book reached you.
00:58Yes.
00:59What it means is that you're a spendthrift.
01:02Is that so?
01:04You're really my mom.
01:06Don't spread it.
01:08It's embarrassing.
01:09Did you see that?
01:10Sir Chinky Tan.
01:11Yes, yes, yes, yes.
01:13It's a waste of money.
01:15You can save it.
01:16My goodness.
01:17I need your tips today.
01:19Because we have with us today
01:21the one and only
01:23Pambansang Wealth Coach,
01:25the one and only
01:26Sir Chinky Tan.
01:28Yes, thank you.
01:29Welcome to Lutong Bahay.
01:30Thank you, Ms. Mikey.
01:32Is your problem about money?
01:35Well, our guest will answer
01:38our online quest
01:40when it comes to budgeting
01:42and tips on how to get rich.
01:45The Pambansang Wealth Coach,
01:48Mr. Chinky Tan.
01:53Wow.
01:54Come in, Mikey.
01:56Your house is so bright.
01:59There are so many artworks.
02:01Yes.
02:02They're from museums.
02:04Wow.
02:05That's where I collect.
02:07Really?
02:08Of course, they're from galleries.
02:10But who's fond of artworks?
02:12Is it just you?
02:13No, my wife and I.
02:15Wow, your wife too.
02:17This is huge.
02:19This is
02:21Batang Heneral,
02:23Gregorio del Pilar.
02:25He talks about the past,
02:28the past and the future.
02:30Earlier, we were joined
02:32by Pambansang Wealth Coach,
02:34Mr. Chinky Tan, in his house.
02:36What else can Mr. Chinky
02:38hide his wealth?
02:40So, you have three kids.
02:42Yes.
02:43How do you teach them how to save?
02:45Do you have meetings as a family
02:48where you should know
02:50how to save money?
02:51Yes.
02:52At a very young age,
02:54we taught them
02:56how to save money.
02:58How do we know?
03:00The moment
03:02when they know how to save money.
03:05That's it?
03:06Yes.
03:07They like this?
03:08Yes.
03:09That's it?
03:10Yes.
03:11They need to learn.
03:12If they don't,
03:13they won't understand
03:14the importance of money.
03:16Do you have any tips,
03:18Mr. Chinky,
03:19for our neighbors?
03:20What should be the mindset
03:23when buying household items?
03:25First,
03:26we need to buy
03:28what we need.
03:29Essentials first.
03:30Yes.
03:31It's not a problem
03:32to buy what you like.
03:33But the problem is
03:34our income is limited.
03:37But what we like
03:39is unlimited.
03:40Unlimited.
03:41That's true.
03:42Before we cook,
03:43can we raid your refrigerator?
03:46Where is your refrigerator?
03:47It's there.
03:48Is there a refrigerator
03:49in your house, Mr. Chinky?
03:50Yes, let's see.
03:51I feel like I have money.
03:54Here it is.
03:55There's artwork inside.
03:56Let's see.
03:57Maybe there's something inside.
03:58Let's open it.
03:59Okay, go ahead.
04:03It's like a bank here.
04:04There are gold bars.
04:06It's red.
04:07Just kidding.
04:08Hello, neighbors.
04:09Hello, neighbors.
04:11Wow, what is this?
04:12I can't read it.
04:14It's vitamins.
04:16Jukos?
04:17Yes.
04:18It's vitamins.
04:19Of course, we also have
04:20sauces here.
04:21I have calamansi there.
04:22Calamansito.
04:23Yes.
04:24Lemon.
04:25Now, calamansi
04:26is not squeezed anymore.
04:27It's just crushed.
04:28Do you buy groceries?
04:30The two of us.
04:31Really?
04:32But I'm the one who sells.
04:34Really?
04:35Yes.
04:36Don't you have
04:37a neighbor
04:38who makes your groceries?
04:39No.
04:40I like to go to the market.
04:42Guys, when it comes
04:43to buying groceries,
04:44we need to be wise.
04:45Really?
04:46That's where I learn
04:47the real price of buying
04:49to help and guide
04:51those who follow us.
04:53That's great.
04:54But your motivation
04:55and reason to do that
04:56is really for those
04:57who follow you.
04:59Because when you run out of money,
05:00it's hard.
05:01I remember when I was in grade 6
05:03and my father lost his business.
05:05For three years,
05:06he was very depressed.
05:08So, it's hard to be poor.
05:10People treat you differently
05:11when you don't have money.
05:12You can't forget that.
05:13Yes.
05:14So, because of that,
05:16we fought in life.
05:18We sold things.
05:20And we achieved what we wanted
05:22in life in my 20s.
05:24Wow.
05:25So, because of that,
05:26that really inspired me
05:27that there are many people
05:28like me
05:29who really need
05:30help and inspiration.
05:32You are half Chinese.
05:33Indeed.
05:34Or full?
05:35100% Chinese,
05:36but Filipino by heart.
05:37Oh, wow.
05:38He feels it.
05:39This is where you grew up.
05:40This is where I grew up.
05:41Born and raised.
05:42Yes.
05:43This is where I grew up.
05:44Sir Chinky,
05:45you have tips
05:46because we are looking
05:47at groceries now.
05:49Yes.
05:50What is the right budgeting
05:52and percentage?
05:54Or what should be the mindset
05:56when you go grocery shopping
05:58and eat at home?
05:59It's important that before you go grocery shopping,
06:01first,
06:02you should list
06:03what you will buy.
06:05Because if you don't list it,
06:07your brain will just be like that.
06:08Yes.
06:09Either it's not enough,
06:11you forget what you should buy,
06:12or second,
06:13it's too much.
06:14Number two,
06:15let's set a budget.
06:17Because it's important.
06:18For example,
06:19if you go grocery shopping,
06:20your budget is Php 3,000.
06:22You can't spend more than Php 3,000.
06:24That's why the budget gets ruined
06:26when you get a credit card
06:28or let's say,
06:29because there's no limit.
06:30What is the right budget?
06:32Is it the percentage
06:34of your income
06:35or the number of people in the house?
06:38Well, it depends on the lifestyle
06:40that the family wants.
06:41Right?
06:42That's what I'm reading.
06:43Again, you don't ask your income
06:45to adjust to your lifestyle.
06:47You ask your lifestyle
06:49to adjust to your income.
06:51Yes, how much you can really buy.
06:54And third,
06:56don't go grocery shopping
06:58if you're hungry.
07:00Yes.
07:01Or if you're angry.
07:02You'll get a lot of money.
07:03You don't need that.
07:04Right?
07:05Yes.
07:06I'm hungry.
07:07What should we do?
07:08Let's cook.
07:09Let's cook.
07:10Come on,
07:11let's cook.
07:13Welcome back,
07:14Kapitbahay.
07:15Here we go.
07:16Let's cook.
07:17And with us in the kitchen,
07:19Mr. Chinky Tan.
07:21Of course, our cooking queen.
07:23Hi, chef.
07:24Hazel.
07:25Hi,
07:26Mr. Chinky Tan.
07:27Finally,
07:28we're here again.
07:29But there are a lot of ingredients.
07:30It's all vegetables.
07:31Yes.
07:32What are we going to cook today?
07:33This is inspired
07:34by
07:36Ninong Ry.
07:37Wow.
07:38Shout out,
07:39Ninong Ry.
07:40Ninong Ry
07:41made this.
07:42Really?
07:43He taught me.
07:44I told Ninong Ry,
07:45I want it healthy.
07:47No oil.
07:48We're going to make
07:49pangus sinigang.
07:51But there's a twist.
07:53We're not going to use
07:54sinigang.
07:56We're going to use
07:58green mango
08:00and at the same time,
08:01pineapple
08:02to make it sour.
08:03For this dish,
08:05we're going to need
08:07onion,
08:08tomato,
08:10cabbage,
08:12cabbage,
08:13pineapple,
08:15green mango,
08:16okra,
08:17eggplant,
08:18string beans,
08:20pangus sinigang,
08:22pangus,
08:23fish sauce,
08:24and water spinach.
08:26Let's boil some water.
08:28After we boil the water,
08:30we want to know
08:32if the water is hot or not.
08:34Don't be like that.
08:36Of course.
08:37Mikey can do it.
08:39Chef,
08:40what do you think
08:41we should put first?
08:44The hardest part.
08:46We should put
08:48onion,
08:49tomato,
08:50cabbage,
08:52and we're going to put
08:53the hardest part
08:54along with the
08:55flavoring
08:57to make it soft.
08:59Do you like cabbage?
09:00Chicken?
09:01Well,
09:02I just like...
09:04What?
09:05Just...
09:06What?
09:07Saving.
09:10That's not right.
09:11Gabi?
09:12No, we're not going to use gabi.
09:13We're going to blend it.
09:15Oh, wow.
09:16Because gabi
09:17is what we use
09:18for thickening.
09:23It's super blended.
09:24See?
09:25It's blended right away.
09:26Yes, that's right.
09:27Because there's water.
09:28We don't need to thicken it.
09:30And now,
09:31we're going to put it in.
09:32We're going to put it in.
09:33Oh.
09:36Oh, that's amazing.
09:38So, that's for thickening.
09:40We're going to put it in.
09:41We're going to blend it.
09:43Now,
09:44pineapple.
09:45Gabi's pineapple shake.
09:47Sorry.
09:48We're going to put it in.
09:49Let's put it in.
09:51Oh,
09:53that looks good.
09:54The good thing about pineapple is
09:56it adds
09:57a body.
09:58Right?
09:59And it's anti-oxidant.
10:00Yes, texture.
10:01And last,
10:02of course,
10:03the mango.
10:04Yes, the mango.
10:06It's like it's dancing.
10:07Hey, hey, hey.
10:09This mango is green.
10:11Yes, green mango.
10:15Earlier,
10:16Sir Chinky taught us
10:17how to cook
10:18Sinigang na Bangus
10:19with a twist.
10:20I have a question, Sir Chinky.
10:22Yes?
10:23You said
10:24that a husband and wife
10:25shouldn't be separated.
10:26But many people are separated
10:27because of money.
10:28That's true.
10:29That's true, right?
10:30Yes, money is
10:32one of the
10:33biggest problems.
10:34The reason.
10:35What are the tips
10:36for that?
10:37What are the rules
10:38of a husband and wife
10:39when it comes to money?
10:40First, you need to be
10:41united.
10:43Be united with everyone.
10:44Does this mean
10:45one bank account?
10:46No, not united.
10:47Don't be alone.
10:48Yes,
10:49oh,
10:50there's a straw.
10:51No, no, no.
10:52There's no straw.
10:53But, of course,
10:54we know a lot of people.
10:55We've been through a lot
10:56in life.
10:57You even transferred money
10:58to Egypt.
10:59You're guilty.
11:00Let's go, let's go.
11:01What are your tips?
11:02You need to be united
11:03with everyone
11:04in your decisions
11:06when it comes to spending.
11:08Communication.
11:09Yes, planning.
11:10Because it's hard
11:11if you're separated
11:13in your decisions.
11:15Of course,
11:16you might get in trouble.
11:17Right?
11:18It's not like
11:19the husband and wife
11:20will go home
11:21with a new car.
11:22Yes, right?
11:23With a new motorbike.
11:24Oh, I've seen that.
11:25And the wife
11:26will have a new bag.
11:27Oh, I've seen that.
11:29Gadgets.
11:30Communication is key.
11:31And while we're talking,
11:33let's put these.
11:34Okra.
11:35Yes, okra.
11:36Okay.
11:37Let's really look
11:38at the water.
11:39Yes.
11:40Let's really look
11:41at how much.
11:42Yes, yes.
11:43It's really thick.
11:44Let's go to the clam.
11:45Can I taste it?
11:46This is the eggplant.
11:47Eggplant.
11:48Let's put the eggplant.
11:49There.
11:50We need to put this
11:51so that the spicy
11:52is already there.
11:56Take a look
11:57at Sir Chinky's plate.
11:58That's where he eats.
11:59Right?
12:00This is the sauce.
12:01This is the vegetables.
12:02This is the rice and vegetables.
12:04Yes.
12:05That's where he eats.
12:06That's called a balanced meal.
12:07Ah, it's a portion.
12:08Yes, it's a portion.
12:09For your diet.
12:10That's right.
12:11Sir Chinky,
12:12how old are you?
12:13Oh, my.
12:14Guess how old I am.
12:15And be careful
12:16before you follow me.
12:17I feel like
12:18you're
12:19What?
12:20I feel like
12:21you're 52.
12:22No, I'm already 60.
12:24No.
12:25Yes, I'm already excited.
12:26Are you excited?
12:27Senior ID.
12:28Yes.
12:29Of course.
12:30Right?
12:31Can I eat now?
12:32Yes.
12:33You can eat now.
12:34That's why
12:35I've been waiting.
12:36It looks delicious.
12:37You know what's good about it?
12:38If you have a senior citizen card,
12:40you won't only save money,
12:42you'll also earn money.
12:43Why?
12:44Because what I'll do is
12:45I'll buy 20 percent
12:48and I'll sell it
12:49if I earn 20 percent.
12:50That's great.
12:51That's how it should be.
12:52That's how it should be.
12:53You're so classic.
12:54Mr. Chinky, what's the secret?
12:55Why do you look like you're 10 years younger?
12:57Oh, my.
12:58You know,
12:59when you're younger,
13:00the financial stress is reduced.
13:01Oh, really?
13:02Yes.
13:03It's stressful.
13:04It makes you old.
13:05That's true.
13:06And second,
13:07Mikey,
13:08remember that
13:09one of the most important things
13:10you'll choose
13:11aside from
13:12the house you want,
13:14the dreams you want,
13:16is your wife.
13:17You should know how to save
13:18in the checklist.
13:19Of course.
13:20Right?
13:21Actually,
13:22that's one of the things.
13:23Yes,
13:24you should know how to save.
13:25But in real life,
13:26you know,
13:27it's really hard to save.
13:28It's easier to save
13:29bills than money.
13:30That's true.
13:31Oh.
13:32Sorry.
13:33Sorry.
13:34Sorry.
13:35Sorry.
13:36I don't have a bill.
13:37Sorry.
13:38Sorry.
13:39What do you have?
13:40Just a bill
13:41because I only have one.
13:45You got me there.
13:46Okay,
13:47what's next?
13:48The next thing is
13:49the bangus.
13:50We'll put it all in there.
13:51Okay.
13:52Yes.
13:59When will we put
14:00the fish sauce?
14:01The fish sauce?
14:02In the pot.
14:03Oh, no.
14:04Will you tell your followers
14:06or to the public
14:07your love story?
14:09That's really hard.
14:10But before we get married,
14:12we need to understand
14:13what is the meaning of...
14:15I want to hear you sing.
14:17Yes.
14:19These are two.
14:21What are they?
14:22Engagement?
14:23Wedding?
14:24Engagement and wedding.
14:25We're both in a wedding.
14:26Why is there a bell
14:27on the engagement ring?
14:28No, it's like this.
14:29The first step is
14:31the engagement ring.
14:32Yes.
14:33The second is the wedding ring.
14:34But a woman
14:35is the one who gives
14:36the engagement, right?
14:37She also gave it to me.
14:38Why do you care?
14:40The third stage is suffering.
14:42Oh.
14:43Suffering.
14:45When the fish is cooked,
14:47add the water spinach.
14:49Can I taste it?
14:50Yes.
14:51We can eat it
14:52because the water spinach
14:54is delicious.
14:55Yes.
15:00See?
15:01It's delicious.
15:02How is it?
15:03Amazing.
15:04Wait, wait, wait.
15:05Just how I like it.
15:06Me too.
15:08The taste of Sinigang is achieved
15:10even without the usual powder.
15:12Wow.
15:13That's amazing.
15:14Can we eat now?
15:16Yes, you can.
15:17Let's continue our conversation,
15:19housemates.
15:20Let's go.
15:21Let's eat.
15:27We're going to taste
15:29the Sinigang.
15:30Oh, what is this?
15:31What is this?
15:32What is this?
15:33What is this?
15:34What is this?
15:35What is this?
15:36What is this?
15:37What is this?
15:41Let's go.
15:42Let's eat.
15:43Of course.
15:44Ladies first.
15:45Ladies first.
15:46What do you want?
15:47Head or body?
15:48I want the body.
15:49You like the body?
15:50Yes.
15:51The one with the belly.
15:52Yes.
15:53That's it.
15:54That's what I like too.
15:55Let's eat.
15:56You have to taste
15:57what you're watching now.
15:59Of course.
16:00Try this at home
16:01with your housemates.
16:03And the good thing is
16:04it's affordable.
16:05Yes.
16:07Okay, James.
16:08Let's eat.
16:09According to Ninong Ry,
16:10first bite.
16:11The perfect bite.
16:12Let's taste the soup first.
16:17It's so good.
16:23It's like it's cooked.
16:25It's unique.
16:26It's sour.
16:27It's delicious.
16:28Let's eat.
16:29Yes.
16:30Let's eat.
16:36It's so good.
16:37I'm full.
16:38Thank you, Sir Chinky,
16:39for this dish.
16:40And Ninong Ry,
16:41thank you too.
16:42Sir Chinky,
16:43is it okay if I ask you
16:44some questions
16:45while you eat?
16:46But you can continue eating.
16:47Okay.
16:48Go.
16:49Earlier,
16:50you told us
16:51that you didn't have
16:52a job before.
16:53You experienced
16:54that in grade school
16:55because of your father's
16:56failed business.
16:57Yes.
16:58How was it
16:59when you became
17:00a destacard?
17:01Specifically.
17:03What did you do
17:04to earn
17:05pocket money?
17:07I didn't do anything.
17:08I just sold.
17:09What?
17:10Drugs.
17:13It's for headaches.
17:18The first thing I sold
17:19was toilet paper.
17:21Tissue?
17:22On TikTok?
17:23No,
17:24there's no TikTok yet.
17:26Tissue.
17:27Yes, my mom
17:28sells wholesale.
17:29I sell retail.
17:30Wholesale is
17:31family income.
17:32Retail is my personal income.
17:33From toilet paper,
17:34I sold pants,
17:35I sold shoes,
17:36I sold shirts.
17:37Did you sell clothes?
17:38No, I sold everything.
17:39How did you choose
17:40what to sell?
17:41Of course,
17:42number one,
17:43you want the product.
17:44You believe in the product.
17:46That's why I sold a lot.
17:48I won't promote
17:49something
17:50that I know
17:51isn't good.
17:52After that,
17:53I hit my first million
17:54at age 20+.
17:56In selling?
17:57Yes.
17:58In your whole life,
17:59Sir Chinky,
18:01can you consider
18:02that as
18:03the most difficult experience
18:05or is there something else?
18:06You know,
18:07all stages of life
18:08are tested.
18:10Your first stage
18:11is the stage of survival.
18:13Of course,
18:14you came from nothing,
18:15from poverty,
18:16you want to get out.
18:17Your next goal
18:18is the stage of stability.
18:19You can feed your family,
18:20you don't have a problem.
18:21You have a system.
18:22Yes.
18:23After you become stable,
18:24the next stage of a person
18:25is success.
18:26But the fourth
18:27is the most important.
18:28What is it?
18:29Because there are others
18:30who are still there.
18:31Yes,
18:32they are successful,
18:33they are successful,
18:34but they are sad.
18:35You're right.
18:36What is the fourth?
18:37Significance.
18:39Wow.
18:40It's like
18:41you don't think about yourself.
18:42Your purpose.
18:43Yes.
18:44You think about
18:45how you can help
18:46and share
18:47your knowledge
18:48and talents
18:49to other people.
18:50You can't buy
18:52money,
18:53happiness?
18:54Yes and no.
18:55Yes and no?
18:56Yes.
18:57Of course,
18:58let's be more
18:59practical.
19:00For example,
19:01if you
19:02bought
19:03what your child wants,
19:04are you sad?
19:06If you bought
19:07your dream car,
19:08are you sad?
19:09Yes,
19:10money can buy
19:11happiness
19:12for the moment.
19:13Short time.
19:14Yes,
19:15but it can never buy joy.
19:16Money can buy you
19:17a bed,
19:18but not a good sleep.
19:19Wow,
19:20that's beautiful.
19:21Right?
19:22Money can buy you
19:23medicine,
19:24but not good health.
19:25Of course,
19:26Sir Shinky is also
19:27one of us.
19:28I didn't let
19:29the opportunity
19:30to ask for advice
19:31that will surely
19:32relate to
19:33some of our neighbors.
19:35There are
19:36comments
19:37from our
19:38online viewers
19:40who are asking
19:41for advice.
19:42Wow.
19:43Yes.
19:44Number one,
19:45I have a long list
19:46of debts
19:48in people,
19:49banks,
19:50and online
19:51lending apps.
19:52Okay.
19:53More than
19:54what I earn,
19:55it's my entire debt.
19:57How can I
19:58find a solution
19:59to this?
20:01Debt is
20:02one of the most
20:03stressful things
20:04in a person's life.
20:05It's heavy.
20:06Yes,
20:07because you have to
20:08think about it every day.
20:09You're earning,
20:10you're working.
20:11If you just pay
20:12today,
20:13tomorrow,
20:14you'll have debt again.
20:15What we can do
20:16with this
20:17is two approaches.
20:18Reduce and increase.
20:19First,
20:20let's reduce
20:21unnecessary expenses.
20:22We spend
20:23a lot of money
20:24that we thought
20:25we needed.
20:26But in reality,
20:27you really don't need it.
20:28First,
20:29eating out.
20:30Minimum,
20:31how much is that?
20:32It's less than 1,000.
20:33Yes.
20:34It's less.
20:35You do that
20:36every Sunday.
20:37Four Sundays,
20:384,000.
20:39Times 12 months,
20:4048,000 in a year.
20:44Your salary,
20:45how much do you earn?
20:46You only earn
20:4724 a month,
20:48net.
20:49Then,
20:50you eat out
20:51for two months.
20:53So,
20:54if you cut it by 50%,
20:5550%,
20:5620%,
20:5724,000.
20:58Right?
20:59So, the good news is,
21:00the money you didn't spend,
21:02you save more,
21:03earn more,
21:04pay more debt.
21:07I'm just curious.
21:08Yes?
21:09Do you have debt?
21:10Me?
21:12None.
21:13Credit card.
21:14Isn't that a debt?
21:15No.
21:16There are two types of debt.
21:17One is good,
21:18and the other is bad.
21:19The bad one is,
21:20you're in debt,
21:21but there's no return.
21:22It's really an expense.
21:23Throw it away.
21:24Right?
21:25Credit card,
21:26credit card,
21:27medical bills,
21:28hospital bills,
21:29there's no return.
21:30What's a good debt?
21:31It's a good debt.
21:32You're in debt,
21:33but you negotiated it.
21:34What if you failed?
21:35You thought you'd earn money,
21:36but it didn't come.
21:37No.
21:38Of course,
21:39you won't be in debt
21:40if you're not sure.
21:41Because,
21:42we're also talking about debt.
21:43Is it possible
21:44to pay
21:45debt
21:46with debt?
21:47You cannot solve
21:48a permanent problem
21:49with a temporary solution.
21:51Okay,
21:52you're in debt.
21:53There's no payment.
21:54You're in debt to B.
21:55Yes.
21:56So,
21:57you have no payment.
21:58You're in debt to C.
21:59So,
22:00you're in debt to A, B, C.
22:01You're in debt to D.
22:02You're in debt to A, B, C.
22:03Wow.
22:04It's getting deeper
22:05and more expensive.
22:06It's getting deeper and more expensive.
22:07That's why
22:08the solution is,
22:09I'll go back
22:10to the previous one.
22:11Beautiful.
22:12I feel like,
22:13all in all,
22:14our core lesson
22:16is
22:17self-control.
22:18If you really want
22:19to improve your life,
22:20improve your life,
22:22look for something ugly
22:23and make it real.
22:25Yes.
22:26That's what my wife did.
22:28Oh, she did it.
22:29Yes.
22:30It's not ugly.
22:31I'll say,
22:32even if I don't look good,
22:33I'm still handsome
22:34if I have money.
22:35Yes.
22:36As long as you have money.
22:38Can we know
22:40how much money you have?
22:44My answer is
22:45secret.
22:47Oh, no.
22:48He's going to confess.
22:50Because
22:51you'll be challenged
22:53in Kitchen Terrogate.
22:59Sir Chinky Tan.
23:02Welcome
23:03to Kitchen Terrogate.
23:08You'll just choose one.
23:10Okay.
23:11Because I have a difficult question for you.
23:12What is it?
23:13Is there a house and lot advantage?
23:15No.
23:16It's about food.
23:18But I'm surprised
23:20because
23:21you have a choice.
23:23You also have a choice
23:24if you'll answer
23:25or not my questions.
23:27If you answer the question,
23:29I'll be the one to choose.
23:31Okay.
23:32But if you don't want to answer,
23:34you'll be the one to eat.
23:35Okay.
23:36Let's choose the first question.
23:38Don't open it yet.
23:40Surprise.
23:41I'll ask first.
23:42Okay.
23:43How much
23:45is the biggest amount
23:48that you owe?
23:50Oh, no.
23:52I'll answer that.
23:53Let's see what you'll answer.
23:54So, I'll eat.
23:58Pickles.
24:00Because we're husband and wife,
24:02we don't really owe money.
24:04That's your rule.
24:05Yes, because
24:06when people owe money,
24:08they're very kind.
24:09If you ask them,
24:10they'll...
24:11Angry.
24:12So, as a rule of thumb,
24:13if someone owes us 50,000,
24:15we'll ask for 50,000.
24:18So, as husband and wife,
24:19we'll talk about
24:20how much we can give
24:22even if they don't owe us anything.
24:24That's also what I'm thinking.
24:26So, for example, 5,000.
24:28Give it to them.
24:29Yes.
24:30No, I'll say, give it to them.
24:31Okay, if you're free,
24:33this is all we can do.
24:34Give it back.
24:35If they give it back, praise the Lord.
24:37If they don't give it back, condolence.
24:39If you ask for help, they'll give it back.
24:40They'll give it back.
24:41Again.
24:43Eat.
24:45Eat.
24:47Okay, let's eat.
24:48Okay, okay.
24:49What kind of reaction
24:51or what can you say, Sir Chinky,
24:53to the comments of Umanoy
24:55that networking is what coaching is all about?
25:01Networking?
25:02Yes.
25:03You said people.
25:04I'll answer.
25:05You'll answer.
25:06You'll eat again.
25:07I'll eat.
25:10You're so salty.
25:12I can do that.
25:13I can do that.
25:14Okay, okay.
25:17It's not just salty.
25:18What is this?
25:19What?
25:21Buro.
25:23Budol.
25:24Budolmanga.
25:26How does networking work?
25:27Networking is when you invite people,
25:31right?
25:32Then, they'll see you.
25:34When they invite you,
25:35why do you look like that?
25:39Right?
25:40For me,
25:41I'm just teaching personal finance
25:44so they can learn how to handle money.
25:47Right?
25:48I'm not asking people to sell.
25:51Choose one.
25:52This one.
25:53Okay, next question.
25:54This one.
25:56Name a famous personality
26:00that you helped or asked for advice from
26:05because there's a big headache when it comes to financial management.
26:10Yes.
26:11Do you need a name drop?
26:12Yes, no problem.
26:14But eat first.
26:16Are you really going to say it?
26:17Of course.
26:18Wow, I didn't expect him to answer this.
26:20There, there, there.
26:21What is this?
26:22Pickles, man.
26:23Pickles.
26:25That's your favorite.
26:26That's why this episode is dedicated to you.
26:30Mmm.
26:32It's not a bad idea to mention his name.
26:35He's the one who jumps around and participates in contests.
26:42That ***
26:44asked me for help and financial advice.
26:48Okay, here it is.
26:50Give a name
26:52of a famous personality.
26:55You've earned an attitude
26:57or you don't want to work anymore.
27:03Why?
27:04And why?
27:06Ah, why?
27:08Okay, we'll bleep the name.
27:10Garlic.
27:11We'll bleep the name.
27:12Garlic.
27:13I'm just kidding.
27:14I'll cover the bleep.
27:15You won't be able to read it.
27:16No, garlic.
27:19But you thought of something.
27:20Garlic.
27:21Garlic.
27:23Who's that?
27:25There, there.
27:28He knocked the garlic.
27:30He knocked the garlic.
27:33At least, we ate at least one.
27:37Thank you, sir.
27:38Thank you very much.
27:39Thank you, neighbors,
27:41for joining us again this afternoon.
27:44I hope you enjoyed the story.
27:46My lesson for today,
27:48live within your means.
27:50Self-control
27:52and communication.
27:55Communication is the key.
27:57That's it.
27:58That's what married couples need.
27:59Apply, okay?
28:00We're applying.
28:01Good job.
28:03Tell me if it works.
28:04Yes, of course, it works.
28:06Okay, good job, good job.
28:07Sir Chinky, thank you.
28:10For inviting us to your house.
28:12Thank you so much.
28:13So that you won't forget
28:15Sir Chinky's advice,
28:16always cook the dish
28:18that we shared with you.
28:20The Ninong Rice Bangus Sinigang.
28:23Yes.
28:24We showed you how to make it.
28:26It's very easy, neighbors.
28:28We tagged you,
28:30Lutong Bahay Recipes of Success.
28:32Take a picture, okay?
28:33I'll challenge you two.
28:35I think I know what it is.
28:37In the 60,000 Ipon Challenge.
28:40How much?
28:4160,000 Ipon Challenge.
28:4260,000.
28:43What are you going to do?
28:44This.
28:45I'll give you three Ipon boxes.
28:47Wow, that's great.
28:48This is the 60,000.
28:50Start with 20 pesos.
28:51Okay.
28:52When you drop it,
28:53shade it so you'll know how much you dropped.
28:56Then?
28:57You'll put the coin here.
28:58There's paper here.
28:59The paper is rolled.
29:01That's great.
29:02From 20 to 50.
29:04When you complete it, there's 60,000.
29:06Yay!
29:07Neighbors, let's meet again
29:10because it's more delicious to go home
29:12when there's
29:13Lutong Bahay!