EP 40: TIBER ft. Financial Faiz - Masalah hutang rakyat Malaysia, BNPL, Credit card, PTPTN, ASB

Komen? Tag kami di X @tiberpodcast @luqmanhriz @najibaroff01 @naniroc
0:00 Intro
4:04 Asal-usul Financial Faiz
6:22 Beli spender
9:34 Tabiat berhutang rakyat Malaysia, credit card, BNPL
19:59 Bahaya beli phone ambil loan kedai
23:24 Apa anda perlu tahu sebelum melabur
26:52 Ambil loan untuk beli ASB
31:34 Patut labur simpanan KWSP pakai mutual fund?
40:06 Bagaimana mengenali diri sendiri dulu sebelum melabur
43:06 Typical ejen pakai BMW
45:42 Makna Financial Freedom kepada Financial Faiz
47:06 Macam mana nak dapat pendidikan percuma pakai PTPTN
50:53 Pendapat mengenai Akaun 3 fleksibel KWSP
52:45 Invest emas
58:27 Cryptocurrency
1:01:06 Tahun depan ok ke?
1:04:26 Can money buy happiness?
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[@mohamedizzuddinibrahim5309]

Tbh since Nani masuk, aku xmiss tgk semua episode tiber haha plus format podcast korg sumpah best, xlah formal sgt, tiberrrrrr borak psl spender bole lawak2 plak tu🤣🤣 ada la gelak2 tak boring nak dengar even more than 1hour👍👍 please keep this style podcast, be yourself

[@naniroslan]

Wey sebab kena puji mcm kena belanja minum plak rasa 😂 thank you bro

[@salehinks9946]

btl bro. rasa lain lak . hahaha

[@ridhwanbasir5342]

Normandy❤

[@luman8850]

Host perempuan ni memang energetic, tapi saya lebih suka dengar pendapat Ibrahim sani. Pada saya Ibrahim sani antara host podcast yang terbaik di Malaysia. Please bring back Ibrahim sani!!

[@aravin1633]

Thank you for having faiz as your guest..This show was awesome and why it stands out from the rest of the other portcast..wishing your team a happy new year and keep surprising us with wonderful work for the coming year.

[@user-yp6jj5cn6f]

The best setakat nie, terasa santai tak terlalu heavy tapi masih bole faham.

[@reezrahman1350]

This episode is amazing!! So far Tiber > KS at every level aside from marketing power.

[@mishkahkhadeeja]

one of the best episode. terbaik !

[@bengoo5991]

terbaik .. tiber for this episod .. semua dapat ilmu ngan jokes skali .. pls bykkan content cam ni lebih baik dr politk yg makin lama makin drama . anyway i get something from tiber for this episod . Tq

[@diniehilman2144]

Setuju psal PTPTN tu. dah pinjam byaq balik la kamjat. penat kami yang dah abih bayaq ni. ampa suma nak buta ja..😂😂

[@heavenx5950]

episode paling best hahaha invite more encik faiz...seronok dgr...3x dgr pun x boring

[@safrie5304]

Selamat tahun baru Tiber. KS, TIber dan Financial Faiz antara Channel/ podcast berbahasa Melayu yg saya ikuti❤ content yg bermanfaat.

[@amirulrostam5485]

This was a great episode with FF. really need to reinvent myself

[@muhammadzharifikmal7496]

Tiber makin best. Suka dengar najib punya thought, so wise.

[@hamidahabdhamid4131]

AMAZING...TIBER TOGETHER - GETHER NGAN FINANCIAL FAIZ!!!

[@samazhar1252]

masuk nani baru bole layan..ngam semua 👍🏼

[@amierazizi7145]

2nd job atas alasan utk survive ni cerminan ekonomi negara kita fkdup.

[@aizen6163]

Fr

[@hryhry4922]

economy negara lain ok sangat2 sampai pendatang asing pun datang sini cari kerja.. negara diorang kerja semua penuh..😑😑

[@pamansaril]

Best best best terima kasih

[@lutfiakmal7945]

best !

[@lenyekpenyek]

Emas boleh jadi investment, tp lebih kepada lreservation of wealth. Apa2 jadi pada dunia pun sbb semua negara guna fiat currency nilai boleh naik turun. Tp emas punya nilai akan maintain smpi bila2. Ringgit turun? Tukarkan jadi emas.

[@afiqhakimi7033]

Ini bukan macam podcast dah ini macam rancangan tv dah ni tgk transition camera dia tu power

[@tajudinchannel8450]

terbaik.... kongsi ilmu2 mcm ni pada golongan muda. pembelian rumah,saving dan protection income pulak ya..

[@tafarif]

Bila Faiz & Luq hint suara mereka dikenali, Nani senyap je😂

[@DanielCromb]

Aku suka sifat membantah Yem. Jadikan diskusi lebih rancak. Nani dua episod pertama kurang. Masuk episod ketiga terus steady. Tahniah Tiberrr

[@naniroslan]

Susah wey dari reporter/host kerja bertanya kena bagi insights sendiri mmg lambat nak berani. And yess we all miss yem 😢 haha

[@DanielCromb]

@@naniroslan 2 episod je terus ikut tempo. Terbaik ah tu sis. Next, ajak yem jadi special guest haha.

[@hakeem8412]

Tntg money n happiness, kesan negative bukan pada provider tapi pada penerima yg x terlibat Dalam proses mendapat duit tu.

[@haiqal8369]

Crypto curreny lemah dari segi fundamental. Jadi dia open tu spekulasi bahaya letak duit kita atas spekulasi.

[@mumnazu5942]

Suka gila eps ni! btw nak recommend 1 buku ni, Psychology of money by Morgan Housel, sumpah best! This is how we can understand our behavior on spending ❤

[@muhammadrauf7351]

Fun Fact : this year my wife yang housewife dapat call dari bank, bank nak offer credit card dgn limit 20k..pakai ke xpakai, tiap tahun kene bayar rm25 charges services

[@zackieKL]

Another thing is get your medical Card for the whole family. Then when you have more money upgrade it. Medical costs exhorbirant.

[@Alfie-Godfather]

correct me if i am wrong.. in order to do BNPL, company needs to have at least to have a KPKT money lending license.

[@hdilms]

BNPL ni ok je sebenarnya kalau kita berbelanja dengan bijak. Consider as wallet extension jugak macam Faiz cakap. Berbelanja ikut kadar kemampuan dia akan jadi berguna. Aku selalu guna BNPL untuk enjoy discount benefits merchants ade sampai 50% lagi, lepas bayar esoknya terus setel 3 kali bayar. Kadang aku pelik macam mana BNPL profit money, like aku guna takde kena penalty fees pun lagi.

[@MrMuzakkir95]

Betul tu! Hidup BNPL!

[@zackieKL]

The best advice is.1st clear all your debt with hight I/R Personal loan or May Be even car loan. Once you debt free then you safe Some money for emergencies Once that is done than only you look at Investment. Most important regular savings. You then you build your retirement funds.

[@zackieKL]

Once you clear your credit Card. Keep n Lock it up. Use debit card. So you Will never over spend. Never buy on credit it is exhorbant 15-23%. Stupid to buy using this credit.

[@zackieKL]

You need to have a goal in terms of retirement goal.

[@marduk3633]

financial faiz berlagak giler

[@zackieKL]

No such thing aa i ask for forgiveness on PTPN. If Govt give concession on interest rate. Its ok

[@nadafro3116]

Any BNPL for buying a new car? Because it's hard to get a car loan for some people.. 😆

[@mukhlisjamil]

kalau kat malaysia ni Luqman beli round neck yg berkualiti tahan lama di mana?

[@rahmanomar3384]

Sama jelah tu. Sekali beli banyak .Pakai satu satu

[@Budak_PCOS]

Tiber citer pasal spenda 😂😂

[@Alfie-Godfather]

biasa lah... bila suruh orang belajar the narrative will always be to learn to use it. whether its sex edu, or drugs/alcohol/religion.. the negative connotation will come. padahal, education leads to knowledge so that one will think before doing. old skool or some will prefer to black it out or avoid is the best way.

[@mohdshahzlan6242]

"buat apa belajar sejarah, geografi, bukan nak guna pun" 😒 said some people

[@hryhry4922]

@@mohdshahzlan6242 sebab bosan. kadang2 cikgu pun terpaksa mengajar. padehal sekarang ni buku sejarah laris..

[@azimahmohamed5417]

Personal view..from someone who has retired for 10years..no luck for unit trust for me..leave yr money in EPF..no profit for me in unit trust

[@pembasmiwalaunbebal]

sejak abg botak cermin mate xde, mcm xde mood nk tgk tiber😂😂 skip..

[@tuahmajujaya7421]

Bank apa profit 800 juta tu😅

[@low3327]

Lelaki je suka benda srmua ni... Time laki kaya siapa yg senang Ingat laki ni kaki spend ke? Perempuan ingat duit semua datang dari langit. While the men risk his life fighting for wealth that in the end will pays you a good life. Mentality babi betul

[@nglaihuat4403]

Please talk one at a time. Jangan nak berebut cakap, penat buat pendengar😢

[@carlmeil4021]

Setuju..

[@zackieKL]

Faiz you need to give better n practical advice.

[@joetyler835]

He's doing a podcast so answers pun macam borak ngan member la. His videos are well organized sebab ada writer

[@carlmeil4021]

Kan...

[@user-yp6jj5cn6f]

The best setakat nie, terasa santai tak terlalu heavy tapi masih bole faham.