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Cara Mengelola Gaji & Investasi Buat Karyawan | Prita Ghozie: Karyawan Juga Bisa Kaya! E35

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Cara Mengelola Gaji & Investasi Buat Karyawan | Prita Ghozie: Karyawan Juga Bisa Kaya! E35



Bisakah seorang karyawan jadi kaya tanpa harus resign dan bikin bisnis?
Bisa banget — asal tahu cara ngatur, investasi, dan bikin gaji kerja buat lo.

Di episode kali ini, gw ngobrol bareng Prita Ghozie, Founder & CEO ZAP Finance, ngebahas realita finansial para pekerja:
kenapa gaji selalu habis di tanggal 20, gimana cara nyiptain passive income, sampai strategi supaya lo bisa naik level dari “kerja buat uang” jadi “uang kerja buat lo.”

Topik yang dibahas:
– Bisakah kaya hanya dari gaji?
– Strategi investasi untuk karyawan
– Cara kelola gaji biar nggak cepat habis
– Bedanya nabung vs investasi
– Side hustle: kerja sampingan yang realistis
– Rahasia mindset orang yang ngerti bahasa uang
– Kalimat pamungkasnya simple tapi ngena banget 👇

Money speaks a language. The rich understand it, the middle class ignore it, and the poor get ruled by it.

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Tonton sampai habis, dan mulai ubah cara pandang lo soal uang —
karena karyawan juga bisa kaya, asal tahu caranya.

Kalau kamu lagi merasa kondisi keuangan lagi nggak menentu, tenang—semua bisa dipelajari dan dirapikan pelan-pelan 🤍
Zapfinance lagi buka kelas online bareng Prita Ghozie buat bantu kamu bikin keuangan lebih stabil & terarah.

✨ Sukses Menabung
📅 Jumat, 6 Februari 2026 | ⏰ 19.00 WIB
👉 https://zapfinance.co.id/course/sm3/

✨ Investasi untuk Pemula
📅 Jumat, 13 Februari 2026 | ⏰ 19.00 WIB
👉 https://zapfinance.co.id/course/iup11/

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Timecode:
00:00 Bisakah kaya dengan gaji karyawan?
03:29 3 Prinsip Menjadi Kaya
05:15 Pengertian kaya secara finansial
10:49 Gimana cara karyawan jadi kaya?
12:13 Cara mengelola gaji
15:45 Tipe kepribadian terhadap uang
18:48 Prita Ghozie Pernah Salah Besar Mengelola Uang
21:30 Kesalahan terbesar orang ketika terima gaji
25:50 5 Jenis Pekerjaan Sampingan
31:06 The language of money
39:08 Perbedaan si kaya dan si miskin dalam mengelola uang
42:15 Cara agar uang bekerja untuk kita
46:00 Jenis investasi yang cocok buat kita
50:35 Credit card VS Debit card
54:38 Kapan pakai CC, kapan debit card
58:20 Solusi ketika terjebak utang CC
1:02:20 Rumah atau mobil dulu?
1:06:10 Mending beli atau kontrak rumah?
1:11:00 Tenor kredit rumah, baiknya pendek atau panjang?

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Why Mark Yusko Is Buying Bitcoin Before October

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Why Mark Yusko Is Buying Bitcoin Before October



Is Bitcoin undervalued? In this interview, legendary investor Mark Yusko shares why he believes Bitcoin is trading below its fair value, how Metcalfe’s Law helps identify market bottoms, and why he’s been steadily accumulating BTC. We also discuss the four-year cycle, institutional adoption, Strategy’s Bitcoin approach, the AI stock boom, and whether a correction in tech could trigger the next phase of the Bitcoin bull market.

#Bitcoin #MarkYusko #Crypto #Investing #BitcoinETF #Macro #Markets

00:00 Why Mark Yusko Is Buying Bitcoin Every Week
01:08 Is Bitcoin MASSIVELY Undervalued Right Now?
06:27 Why Strategy Selling Bitcoin Doesn’t Matter
09:17 Will AI Money Rotate Into Bitcoin?
11:19 Is the AI Bubble About to Burst?
12:40 Could a Tech Crash Send Bitcoin Higher?
14:17 Would a Stock Market Crash Destroy Bitcoin?
16:21 Why Mark Yusko Thinks SpaceX Is Wildly Overvalued
19:29 “Buying SpaceX Today Is NOT Like Buying Apple Early”
20:47 Mark Yusko’s Favorite Place in Italy

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Achieve Financial Literacy In 20 Minutes

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Achieve Financial Literacy In 20 Minutes



🔥 Subscribe to our Newsletter 👉 https://financebureau.com/
👥 Join CBC Lite 👉 https://go.coinbureau.com/CBC-Lite-MB-Des

~~~~~

Confused by finance? This video makes it simple. Learn how to track your money, avoid traps, make a personal budget that works, and end the cycle of paycheck anxiety. No stuffy jargon—just easy steps to protect and grow your cash.

See how to handle debts, set up money systems, and finally separate your real needs from the small costs that quietly drain your wallet. Watch now to make smarter decisions instantly and put your financial life on a safer, stronger path.

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~~~~~

~ TIMESTAMPS ~

00:00 – Introduction: Why You Don’t Need to Know Everything to Master Your Finances
00:42 – Step 1: Where Do You Stand Right Now? (Income, Expenses, and Net Worth)
03:05 – Understanding Cash Flow and Creating Breathing Room
05:31 – Categorizing Your Spending: Needs, Wants, and Budget Traps
08:22 – How to Build a Simple Four-Account Money System
10:10 – The Truth About Debt: Common Terms and Dangerous Mistakes
13:11 – Building and Managing an Emergency Fund for Peace of Mind
13:37 – Investing for Beginners: Tax-Advantaged Accounts and Diversified Funds
16:01 – Tracking Progress: Setting Up a Simple Five-Point Financial Dashboard

~~~~~

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📜 Disclaimer 📜

The information contained herein is for informational purposes only. Nothing herein shall be construed to be financial, legal or tax advice. The content of this video is solely the opinions of the speaker who is not a licensed financial advisor or registered investment advisor. Trading stocks poses considerable risk of loss. The speaker does not guarantee any particular outcome.

#investing #moneymanagement #freedom #finacialfreedom #money

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PUT THIS CRYPTO ON YOUR WATCHLIST NOW! #rwa #ondo #crypto

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PUT THIS CRYPTO ON YOUR WATCHLIST NOW! #rwa #ondo #crypto



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The Great Taking Warning! Do This BEFORE The Next Financial Crisis | Andrew Winnett

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The Great Taking Warning! Do This BEFORE The Next Financial Crisis | Andrew Winnett



Andrew Winnett, a certified financial fiduciary, retirement strategist, and producer of the documentary Retirement Reset (https://retirementrenegade.com/), joins Liberty & Finance to discuss the risks he believes are facing everyday Americans’ savings and retirement accounts. Could your retirement savings be more vulnerable than you realize? Andrew Winnett explains why he believes legal changes over the past several decades have fundamentally altered ownership of many financial assets, and why another major financial crisis could expose those risks. He also shares his concerns about soaring government debt, AI-driven market speculation, and what he views as Wall Street’s latest transfer of risk to everyday investors. Finally, Winnett outlines strategies he believes can help families prepare for an increasingly uncertain financial future, including hard assets.

Watch the Retirement Reset movie for free!
By using promo code CLARITY at:
https://retirementrenegade.com/reset/

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or email your name and phone number to LibertyAndFinance@Protonmail.com

INTERVIEW TIMELINE:
0:00 Intro
1:30 The Retirement Reset
27:00 IPOs for everyone
39:00 Preparedness
50:00 Watch the movie free
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The Information presented in Liberty and Finance is provided for educational and informational purposes only, without any express or implied warranty of any kind, including warranties of accuracy, completeness, or fitness for any particular purpose. The Information contained in or provided from or through this forum is not intended to be and does not constitute financial advice, investment advice, trading advice or any other advice. The Information on this forum and provided from or through this forum is general in nature and is not specific to you the User or anyone else. YOU SHOULD NOT MAKE ANY DECISION, FINANCIAL, INVESTMENTS, TRADING OR OTHERWISE, BASED ON ANY OF THE INFORMATION PRESENTED ON THIS FORUM WITHOUT UNDERTAKING INDEPENDENT DUE DILIGENCE AND CONSULTATION WITH A PROFESSIONAL BROKER OR COMPETENT FINANCIAL ADVISOR. You understand that you are using any and all Information available on or through this forum AT YOUR OWN RISK.

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Rockstar Just Made This Heist INSANELY Profitable

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Rockstar Just Made This Heist INSANELY Profitable



Join my Discord | https://discord.gg/qjZb5sG5Qn

#GTAOnline #GTA5 #GTATips #GTAMoneyGuide #GTAUpdate

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21 Crores Crypto Scam An Individual

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21 Crores Crypto Scam An Individual



Follow us for more educational content:

Instagram (Geopolitics & AI) : @bitinning
Instagram (CRYPTO): @kashifoncrypto
Youtube: https://www.youtube.com/@Bitinning
Kashif X: @simplykashif
Bitinning X: @bitinning

DISCLAIMER: This content is for informational and educational purposes only. We cover global geopolitical developments, cryptocurrency markets, and artificial intelligence trends based on publicly available information. Nothing shared should be considered financial, legal, or investment advice. These domains are highly dynamic and subject to rapid change, so viewers are encouraged to verify information independently and consult qualified professionals before making any decisions.

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Markets, Gold, Crypto & FDs Down: Can You Still Earn 19% RETURNS? | Bhavin Patel | FWS

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Markets, Gold, Crypto & FDs Down: Can You Still Earn 19% RETURNS? | Bhavin Patel | FWS



LenDen Club- https://www.lendenclub.com/
Download the LenDen Club App-  https://bit.ly/lendenclubp2p

Download 1% Club App Now!
https://app.onepc.io/?c=fws-yt-vid

Bhavin Patel is the Co-Founder and CEO of LenDenClub, India’s largest RBI-regulated peer-to-peer lending platform, which he co-founded in 2015. With over a decade of experience in financial services spanning lending, credit automation, and fintech entrepreneurship, Bhavin has built LenDenClub from a seed-stage startup into a platform targeting 100 crore in operating profitability before pursuing an IPO. He and his co-founder have been recognised in Businessworld’s BW Disrupt 40 Under 40 list.

In this episode, Bhavin unpacks how wealthy investors think about portfolio construction differently from retail investors, why delegating money management leads to better outcomes, and how P2P lending fits into a diversified asset allocation strategy alongside equity, debt, and gold. He also walks through how LenDenClub’s borrower screening process works, how default risk is managed through diversification across thousands of loans, and why India’s regulatory framework makes its P2P model far more resilient than the models that collapsed in China.

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Timestamps:
00:00:00 – Introduction
00:01:46 – How the Wealthy Actually Manage Their Money
00:05:04 – The Zomato Bet: A Lesson in Risk-Taking
00:06:16 – What Separates the Rich from the Middle Class Trap
00:07:22 – How Employees Can Build Wealth
00:08:32 – The 3G Capital Model
00:11:09 – What Is P2P Lending and How Does It Work
00:15:51 – Why Diversification Across Borrowers Protects Your Returns
00:18:32 – Could India’s P2P Model Become the Next UPI
00:18:48 – Why P2P Lending Should Not Replace Your Entire Portfolio
00:21:41 – Kunal Shah and the Inspiration of Indian Entrepreneurship
00:23:49 – Lenden Club’s Funding Journey and Current Valuation
00:24:41 – Plans for an IPO and the 100 Crore Profitability Benchmark
00:25:46 – Closing Advice: Think Like the Rich, Act Without Fear

Bhavin Patel Social Links-

Instagram – www.instagram.com/unfilteredfounder/
LinkedIn – https://www.linkedin.com/in/bhavinpatel2022/

LenDenClub Links-

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Instagram: https://www.instagram.com/lenden.club/
Youtube-  https://www.youtube.com/@LenDenClubOfficial
LinkedIn-  in.linkedin.com/company/lenden-club

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Sharan Hegde
Instagram: https://www.instagram.com/financewithsharan/
LinkedIn: https://www.linkedin.com/in/sharanhegde95/
Twitter/X:https://x.com/financewsharan

Sharan Hegde is a personal finance creator and founder of the 1% Club, simplifying money, markets, and mindset for India’s next generation of wealth builders.

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#financewithsharan #personalfinance #investing #P2Plending #wealthcreation

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THIS IS THE NEXT BITCOIN BUY LEVEL!

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THIS IS THE NEXT BITCOIN BUY LEVEL!



💰 TRADE LIKE I DO (LIVE STRATEGY)
👉 Bybit (my main exchange) https://partner.bybit.com/b/Didi

⚡ APPLY TO WORK WITH ME
👉 https://form.typeform.com/to/lQ6mtwju?utm_source=youtube

In today’s video I’ll show you:
3 charts confirming buy level and what disconnecting means.

📰 Newsletter https://thebitcoinfamily.com/newsletter

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💰 ALTERNATIVE EXCHANGE
👉 Blofin (non-KYC option) https://partner.blofin.com/d/DidiTaihuttu
👉 Kraken https://proinvite.kraken.com/9f1e/o3ldp7ik

━━━━━━━━━━━━━━━━━━━━━━━

⏰ TIMESTAMPS
00:00 Intro
00:47 Banks to bitcoin lightning
03:24 Ferrari accepting Bitcoin now?
05:50 Bitcoin next buy level on the charts
16:06 this is my bitcoin strategy today
19:05 Important disconnect from state

━━━━━━━━━━━━━━━━━━━━━━━

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We’ve been living on Bitcoin since 2017.
No banks. No safety net.

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💼 OTHER EXCHANGES (IF NEEDED)

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👉 Bitget https://bonus.bitget.com/JP9T14
👉 Apex Omni (Best DEX) https://deeplink.pro.apex.exchange/b/Didi

━━━━━━━━━━━━━━━━━━━━━━━

📱 FOLLOW THE JOURNEY
Instagram: http://instagram.com/diditaihuttu/
X: https://twitter.com/diditaihuttu
Instagram (Family): https://www.instagram.com/thebitcoinfamily

━━━━━━━━━━━━━━━━━━━━━━━

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⚠️ DISCLAIMERThis content is for educational purposes only and does not constitute financial advice.Cryptocurrency investing involves risk and volatility. Always do your own research before making financial decisions.
Some links above are affiliate links, meaning I may earn a commission at no extra cost to you.

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Financial Audit’s Biggest Piece Of Sh*t

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Financial Audit's Biggest Piece Of Sh*t



*THIS POST SHOW IS INSANNNEEE* I found people who accuse him of r*pe in his phone and he’s going crazy stalking and creeping all over these women, we need to lock him up. Watch here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡ https://hammerelite.com/#join (discounted annual)

50% OFF IS LIVE. Merry Christmas in July you financially naughty little freaks. Take the NEW AND IMPROVED Hammer Quiz to see if your finances are naughty or nice, then get half OFF the exact courses you need to finally unf*ck your money: https://hamr.link/xmasjuly

💰 Download Dollarwise – Big Deals, New Features, Free Trial: https://go.dollarwise.com/join

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*Chapters*
=============================
00:00 Intro
01:30 he’s back and boning calebs mom!!
08:00 bro bum-maxxing??
12:55 hes taking YOUR tax money
14:25 lol ricos an actual menace
26:50 unreal that hes on food stamps and stealing from the homeless…
37:00 bros doing chargebacks on pr*stitutes LMFAAO
50:30 bro has no morales loool
01:03:48 new weight loss method (unpatched)
01:14:30 bankruptcy is NOT the solution
01:19:19 oh hes doing hard dr*gs
01:26:40 shoutout Tyler (IAmLindo)
=============================
Want more content?
=============================
🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips
🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel

=============================
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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

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WHITE HOUSE JUST MADE XRP OFFICIAL! (HUGE NEWS)

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WHITE HOUSE JUST MADE XRP OFFICIAL! (HUGE NEWS)



Try CryptoFolio CFO 7 Day Free Trail:
👉xrprightnow.com

📢Want a personalized XRP & crypto strategy? Get a solid entry + exit plan for your goals. Book your 1-1 call 👉 https://ripplebullwinkle.com/book-a-call

Join my FREE Crypto and XRP newsletter and never miss a market update ever again: (https://ripplebullwinkle.com/newsletter)

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It’s important to understand this space comes with risk. Returns aren’t guaranteed, and you can lose your initial investment — always do your own research.

————-
Legal & Regulatory Notice

This channel is run by a registered business and provides informational/entertainment content only, not professional advice.

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* No financial, legal, or tax guidance—consult professionals before decisions
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* **Crypto involves high risk**, including total loss and fraud exposure
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Bottom line: Use at your own risk and responsibility.

#xrp #XRPL #ripple #xrpcrypto, #xrppriceprediction, #xrpnews, #xrpxlm, #xrpripple, #xrpprice, #xrpcoin, #cryptonews, #ripplexrpnewstoday, #xrp, #crypto, #whatisxrp, #xlmstellarlumens, #bitcoincrash, #cryptocrash, #ripplecryptocurrency, #XRP, #xrpanalysis, #ripple, #xrpnewstoday, #bitcoincryptoprice, #xrp, #xrppriceupdate, #stellarlumens, #xrp, #xrpcrypto, #bitcoinpriceanalysis, #xrpnews, #xlmstellar, #xlmprice, #xlmcoin, #stellarlumensnew, #xrpripple, #xrp, #bitcoin, #eth, #ethprice, #bitcoinprice, #xrpl

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