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95% orang Indonesia berisiko pensiun dalam kondisi finansial tidak ideal.
Bahkan, 77% masih harus bekerja di usia pensiun. Pertanyaannya: kita termasuk yang mana?

Di episode Podcast Room for Improvement kali ini, gue ngobrol bareng Ligwina Hananto — Financial Trainer & Founder QM Financial — ngebongkar realita pahit soal dana pensiun yang sering kita tunda.

Coba/Konsul Odoo gratis: https://www.odoo.com/id_ID

Kita bahas dari:

* Apakah mulai dana pensiun di umur 30–35 masih aman?
* Kenapa banyak orang gagal punya masa tua yang tenang?
* Berapa sebenarnya dana pensiun yang kita butuhkan? (spoiler: bisa tembus Rp15–20 Miliar 😳)
* Strategi realistis mulai dari kecil, bahkan saat masih banyak cicilan
* Instrumen terbaik: emas, saham, atau kombinasi?
* Mindset yang harus dibuang: “anak jadi jaminan pensiun”

Ini bukan cuma soal angka.
Ini soal apakah lo akan hidup tenang… atau terpaksa terus bekerja di usia tua.

Timecode

00:00 Opening
03:42 Topik uang = tegang? Bareng Ligwina jadi fun
07:00 Pensiun: siapin dari awal kerja
11:00 Simulasi dana pensiun 4% rule
14:00 Invest rutin sesuai kemampuan
18:00 Investasi: akumulatif vs generatif
24:10 Saham? Portofolio wajib diurus
27:00 Fundamental vs trading
32:50 Kenapa orang Indonesia jarang nabung/invest?
37:50 Upgrade mindset uang
44:00 Warisan bisa cepat habis
49:00 BPJS cukup buat pensiun?
52:30 Harga emas & global
57:13 Rapid fire questions
59:00 Freelancer bisa nabung dana pensiun
01:01:30 Pensiun sehat

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Tangem is the only wallet I travel with. Get it for 20% off using my link: https://tangem.com/pricing/?promocode=CYBERSCRILLA&promocode=BLOOMX26

Crypto Travel Risk Guide: https://docs.google.com/spreadsheets/d/16HykrCpzkFLo9miRmSAwaNsDBu5jFOgZgGjoGHRrGzk/edit?usp=sharing

This video is for informational purposes only.

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MONEY : Sidhu Moose Wala | DHUN MUSIC | New Punjabi Song 2026 latest this week [Ai Song]

(Track Credits )
Song Name :- M

( My Work )
Ai Vocal :- Sidhu Moose Wala
Music And Mix :- DHUN MUSIX
PRESENT :- DHUN MUSIX

| Sidhu Moose Wala New Song 2026 Ai Tribute | New Song 2026
🙏 TRIBUTE TO Legend Sidhu Moose Wala

#sidhumoosewala #sidhumoosewalatypebeat #punjabimusic2025 #sidhumoosewalatribute #aivocals #punjabimusic #flstudio #remake #hell

🔥 This is a 100% original fan-made creation.
The vocals are AI-generated using custom-trained models to pay tribute to the voice of Sidhu Moose Wala.
We do NOT use real vocals. All beats, lyrics, and mixes are produced by DHUN MUSIC

⚠️ Disclaimer:
This content is transformative and original. It does not aim to impersonate or mislead.
DHUN MUSIX respects the legacy of the artist and creates these songs out of love for the culture.
Re-upload is Strictly prohibited

If any artist or label has copyright issues with my videos
(including artists of the images used) please send an e-mail to:
peakyblinders010177@gmail.com ; and I will remove it immediately ”

⚠Disclaimer: – This channel DOES NOT promotes or encourages any illegal activities and All content provided by this channel is meant for MUSICAL PURPOSE only.
⚠Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for ‘Fair Use’ for purposes such as criticism, comment, news reporting, teaching, scholarship, and research,
⚠Fair use is a permitted by copyright statute that might otherwise be infringing

🎛️ Tools Used:
DAW: FL Studio
AI Voice: Custom Model
Plugins: Waves Ultimate, etc.

📢 Subscribe to support Sidhu’s legacy through new music:
👉 @Dhun_Music7 #SidhuMoosewalaForever

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IG: https://www.instagram.com/calebhammercomposer/
Facebook: https://www.facebook.com/calebhammercomposer/

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*Want to be a guest on Financial Audit?*
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👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply

*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice.

Sponsorship and business inquiries: business@calebhammer.com

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Use code BEYONDBROKE1MO for a discounted trial.

Jake Claver breaks down XRP utility, how legacy financial systems are responding, and what that means for protecting your wealth in this environment with LIVE Q&A

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🏛️ Crypto LLC formation (Wyoming, done-for-you) → https://dag.com/private-client/llc-entity-formation
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👥 Beyond Broke private community → https://www.beyondbroke.com
🔒 D’CENT cold wallet (XRP/XDC/XLM/HBAR) → https://store.dcentwallet.com/o1cddj
🔗 All my socials & newsletter → https://jakeclaver.com/links

⚠️ Disclaimer: This content is for educational and informational purposes only and is not financial, investment, legal, or tax advice. Digital assets are highly volatile and you can lose your entire investment. Price targets and predictions are speculative and not a promise of future results. Consult a licensed professional before making any decision. Some links above are affiliate links; I may earn a commission at no additional cost to you.

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Join us for a transformative FREE three part event, the Financial Empowerment Workshop. This workshop is designed not only to equip you with practical financial knowledge but also to align your financial goals with a Kingdom-minded perspective, ensuring that your wealth-building journey aligns with your God-given values and purpose.

During this engaging workshop, successful entrepreneur, spiritual leader, and accomplished business man, Dr. Dana Carson, will share his insights, offer a unique blend of financial wisdom and spiritual guidance. This workshop aims to empower you to build wealth while also making a Kingdom impact in the world around you.

Register today – https://rockwoi.churchcenter.com/registrations/events/1816968

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Crypto Live Trading| 21 AUG #vinbullindia #livetrading #vinbulllive #live #trading #cryptotrading

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#livetrading #stockmarket #trading #vinbulllive #nifty #daytrading #vinbullindia

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NEEYE PUNCHIRI – SONG CREDITS:

Song Composed Arranged & Produced by JAKES BEJOY

Lyrics : SUHAIL KOYA

Singer : HANAN SHAH

English Lyrics Written & Performed by : REYAN

Music Producers : JAKES BEJOY, K C BALASARANGAN

Guitars : SUMESH PARAMESWAR

Backing Vocals : K C BALASARANGAN, AKHIL J CHAND,ASWIN VIJAYAN, AMAL C AJITH, MILAN JOY MATHEW

Session Arranged and Managed by :
MANEETH MANOJ & MANEESH SHAJI

Mixed and Mastered by : MIDHUN ANAND

Chief Associate : AKHIL J CHAND

Engineers :
MIDHUN ANAND
UNMESH UNNIKRISHNAN
JISTO GEORGE

Recording Studios :
Mindscore Studio, Cochin
Pop Media House, Cochin

Artist Co-ordination : DON VINCENT

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Tonight is PART 2 of my highly anticipated FREE Financial Empowerment Workshop! Last week’s sessions was packed with eager attendees ready to grow in their financial IQ and literacy. Tonight, we are going to go deeper in our understanding and knowledge of money management. LIMITED SEATS left if you want to register. And make sure to order your copy of my GPS 1 book – bit.ly/3PnfKxd #FinancialEmpowerment #KingdomWealth #WorkshopSeries #GPS1

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