أبدأ صغير ولا أستنى المبلغ الكبير؟ - مع أحمد المرشد - في كلام بالأصول من الأهلي ممكن

لو معاك 100 جنيه ممكن تصرفهم على وجبة وتنسى الموضوع
أو تبدأ بيهم رحلة مختلفة تمامًا تخليك تشوف الفلوس بطريقة جديدة
رحلة تخليك تفكر لأول مرة إن الفلوس مش بس للإنفاق،أداة تبني بيها حريتك المالية.

🟢 في الحلقة الثالثة من بودكاست #كلام_بالأصول من الأهلي ممكن:
⦁ هنكسر فكرة إن الاستثمار محتاج رأس مال كبير.
⦁ وهنفهم إزاي الاستثمار الحقيقي يبدأ من العقلية قبل المحفظة.
⦁ وهنعرض أدوات عملية تقدر تبدأ بيها من 100 جنيه فعلًا مالية وشخصية.
⦁ وهنشوف إزاي التكنولوجيا والفينتك بقوا بيسهّلوا الطريق لكل شاب يبدأ صح.
⦁ والأهم إزاي تخلي استثمارك وسيلة لبناء مستقبل مستدام ومبتكر.

🟢 ضيفنا في الحلقة: ضيف هو أحمد المرشد - Financial Consultant
تابعوا جميع حلقات Al Ahly Momkn كل يوم خميس الساعة 9 مساءً
على قناة الأهلي ممكن ومنصة بزنس بالعربي وفعل الجرس علشان ما تفوتكش أي حلقة من الموسم الأول.

Chapters

• 0:00 تعريف عقلية الاستثمار والثروة
• 3:50 الادخار مقابل الاستثمار والوقت
• 6:30 العادات المالية والانضباط اليومي
• 10:40 الاستثمار الدوري والفائدة المركبة
• 13:25 إدارة المال للشباب ونصائح البداية
• 16:50 التكنولوجيا والفنتك وتسهيل الدخول للأسواق
• 20:55 الفرق بين الادخار والاستثمار والتضخم
• 24:20 الأهداف الأفق الزمني وتحمل المخاطر
• 28:00 الدخل النشط مقابل الدخل السلبي
• 31:10 فخاخ الاستهلاك والثراء الزائف
• 35:20 البدايات الآمنة وبناء كرة الثلج
• 39:10 التوزيع العملي للمبالغ الصغيرة
• 43:30 أخطاء شائعة كالاندفاع ومطاردة الترند
• 47:40 الحقن الدوري والانضباط النفسي

Transcript

SPEAKER_02: 0:00

Ananakida Bamel Investment Ba T Asanatawar Mohara, Ashan Mohara di Hagibli Fluster Mustabbal, Ivanakida on the first Aw ala owl Selima Manhet el investor mindset our wealth creation mindset. Some people towing off Nasbita the wealth of Titan fake wealth than a fit for being rich and being welt.

SPEAKER_01: 1:42

Well Kremda Sahel Haladi Min Kerembolo Sul Maya Ahmed Murshid Wanikelim Fossas El Balwaddi Upmane Sah Wel Zeka Zeka Borki Kamdul Kamula Shadow.

SPEAKER_02: 2:30

Taid Hatiti, Ashana Nord Concept of Talistathmor Fahad Dezetwah Shaizinavakidini. Yani eyes a had for Galina or Gisman Arifeno Heisma Maluma Mshafe Bosit. Elstefmorfu and Lazeman B Tehsibo Ninth Hot Flusek Fahasham Tikbur, Elstithmor who are Nintothot the Flusak a Wattak Aw Maghudak Fahege, Ashen, Kumit had Zitfel Mustabbel. Wal Mustabbel Feloto Lehn Kalamalihadi Mishlezimb Hagabid. Mustabel the munkani kun comense, la fekramunken bookrosopani kun comemen is boa, fenta, but hot the flusak fagash and keda ult flusak a watak aw Maghudak, Mishorteb Ahega Felusbus, Wofilmukabel, Kumata Hatakbur. Ashen Age Balaguz eteni in Nusuel, and Nanahotan ord the waqti and nana tawa mohora, mauda investment alafik. Anakeda Bamal investment, Ashana Tawa mohora, Ashan Mahradih Hagibli Flusal Mustabbel, Ivanakeda on the first, and hep it el investor mindset, our wealth creation mindset.

SPEAKER_01: 3:50

Mukir, Fakkar Aisha Bakul Washrab wa Wasrafala Swet Mosalifi, investment eukalam day. Alda Sahih. La alkalamda mussah.

SPEAKER_02: 4:03

La in Bukulla Basota intela u Khatan the Horda badal investors in Al Musta Alamwaranbaft Masan, for example, man efga almost fima many, and nintem mishmehtegin nil income levi gilek de bada matasfmin no chufhu wa mitbe ii ashen tuul anhamelo savingwa la investment l and ta'at hot el nafsaq brackets for nafulin toptubad taman telefginibd, bad khamas telefgnip tbadashar telefgini and you can shrink ew te ta tasur nafsaqswaye witstahmelik kalamda unta zhaiya, ashentam shat'shmelun ta'kbar shuye, we to ul w allahi anam nalashar telefgini lanaba badhundul an a hotele telefgini stefmur, waish bet seba telefgini baitorium naturu, hach le begu wehum Zaymahnabin ul, an hajjb Saba telefgini and hajjb set telefgini. Lawabukhamas telefgini w Allahi an Hashil Kullashar Khomsumigini, an Hashil Kulashar elfigni, wahara Faishbil be, lekin mishalaks, echna kullenab namelaks, wana kuntubamalaks, anakuntuwawad nasaran nasam, for example khamas telefgini, aul iyan hasruf washuf nafamshiz ze tula shah, wul hajd bemaya at ashilo alagam. Uma kansha asla handi fikrit and nana had amal investment.

SPEAKER_01: 5:19

Makushwami anni investment one and sato shar sana al makadita shtagal, fishil mafishal fikre deflus ketir vitigi, up tatsuraf kuleshi Bes byta imu hadat alamia investment we an e is tethmer il flus witam ta wouldn buffit usan likas latifa album and kamel kiremhu usan teda hua sway kantabach sen ehansha sana hagiza kabia groid, canbi waza groid, fil maken vitawa, ni marufagev pamriken kul shin bewazal groid alal monte lomafia. Yos. Il Harakal Amalavikadam noa li Ital investment of chef in Waldu can beamalhaget fulbursa o kida, Bedal Mo can Bishel Wahdu Geb Sahabu, Ufted Wazau L Maken Ogbor. Fapteda Shachal Suainhawali, U can beer of groid kiran sheri ket of Heth Sot Fatal Hagia Ani Bursa, Yanim Sharp E, Fap Teda Yek Lu Sia the Lamal, Miner Routes, Bita Il Goridgoi, no Sasmer. U canandum Shkinovil Awakenus wire, no can sus my book.

SPEAKER_02: 6:21

Yes, exactly.

SPEAKER_01: 6:22

Awale can what Iraqmoru Sheriket Weeral Asum Minal Goroid Lowa can be was zaha ubtedabadikida is tesb.

SPEAKER_02: 6:31

Warren Buffet Amal uh Maddain fell stuffmore Hanakalamalhumba Madrasa. Oh uh uh Taba M Shamal Hua Taba, Madras Tinfelismor, Madras Asma incremental injection, oh Lahowa Alistafmor at Tasaodi nana bahota haga b shaklidawri, uh Zayman ulna Lohanamish Hasrif wa Hasibl Elid Baaba Shufan Hamel bi, uh fahowa can be amal haga frequent bishaklidawri and nana havdala hot ashtiel ashum di, ude bordumishdawa al shira asum Bishakla amalmat kuna erafan naha, Beshawa amal dawl concept u concepteni law amal compounding interest ow al fadal muraqab. Allehna bin samiha ehdal yani da seh it'samagik, and ninta stuffmer bishakla tasa audi uptamel dufaed dawreya ubitfa premiums ab shakle dawri philostmar beta, ku bitsibuidbar ananasu, obiyamil fedal mura kabtatwasan khalik kalem alal mawudu uh for later on.

SPEAKER_01: 7:27

Tob e anta bit tamel mashwab ktiri uchukness elektier. A oktal ochto fi il money management ow uhil mail, o personal finance lail uh, badir maliyeti ana mshwa kemara shirka nahena, yanyi prekelem alal malyata sha seal had the shab e oktal akto elint a bit lay shab ktierbi abhi.

SPEAKER_02: 7:46

Toi fil zen zil ana ana latli ba bigili uh uhtir e ala l social media o bay had bikalin ni only uhna uh listamathorog, where man abla muthorrag wanabasha freelancing, uh bigili income and borra buller, where uh famal bi. Uh awulmasihaulha lal l senaswaya daw la janzi, erkin wana Sfala Lana Haul. Kifan machha will buba tishui Lawa Allah se Aul Haga Dilhaga Wahidal Haulla Fiha Mad Zmashakalam Bobaumam. Tabam Ehna Ahalina Ken Bash Madwal Falu Sagan Modal Falus Wallah Talakal Kukul Dana Halla. Lila and Nahna Ahalina can conservative giddin, uh zin gidden mafia him it bana yani fai tarifatama. Makanshi technology uh macanshifi uh investment vehicles can at mauguda fanas ma canat shotara vri ema dahabzub Yani Dahab Aw Hat or Shahadafelbank, Aw Dahab Awusha uh Shadafel Bank, Makan Shifi Mafish vehicles Tanya, Fashhan Kida Diaman baul Awul Hagga, Matasmashikalam had the Oslamful investment, yeah Didi Awl Hag, Mat Smashikalam had the full financial behavior. Oh, uh mategrish wara el Sorob D uh Di Aulnosih. Then you nosih, uh uh Ashen Todor Tamil Filus, Awel Hagahna Ul Neha Lezant Stasmer Fenafsak, Lesant Tastasmer Fedmerak, Uf Sahetak, the L concept Rachamwehad, W Stasmer Wetek Giddan, l' an wentaz hoyer, hybandakil affordability owandakal khodra en ninta uh today ya wet tektier fenanta tawa min nafsak, di en notat tanya, eptidi bedri al ebda mata udr, tamem, di muhimma giddan, hatala ba mabela sway madgishtu uli aslana yanhi elmiggini di hatamel e, wal la el khumsumig gini hayamil we, anta l-technology masabetlaksha hagam tonharda ba'andak fractional investment fekul l-usul ilmawuda u kalanda l' nasal tsmanhosr and naslitzmana borra mosr, enta ba'andak moteh delwatil l-technology ħalit anak accessibility al-hagat kitir. Raba nasihha ha ulak af kwayis ewi il-ferr mabin il listehlek l-consuming we l-safmor, lezan taferra mabilit nin, la enl l listehlek il-mubelak fi, uhidorar kibir giddan ala gibek, wa ala l flusilithulla kuntas hoyer, ma shatarf tmiheg. W ekhar nasihiha ulhelak, f'l-hetadi, la wenta lista shabba z ghoyer, bigilak income, mahiren masihha lehna ulla tatwaran buffet n ninta lezen thotl el-mabla glentat'statmer'ulba de kida chufasrif e l-not al-ahamfalkusadikullaha, and nintem mishlamma muratabak izid, a wa ta me' el income bitak izid, trohmuasa al-consuming ratio b'taq biza ta'murat tabak.

SPEAKER_01: 10:51

Yani konsuming ratio low medals thilak bitak.

SPEAKER_02: 10:54

Oh, Yani masran anababad khamas talovgini, uh etra eight uwa eight babad taman talevgini. Famarra wahda anazawitama sarifia ashenni ebel iliskale bitaal income libi gili, ew il murattabil libigili, an Izat bisat wa izat nahnah, fa hamel e hazawa de surfet tai la howil in ninta timsi buffer time, ta eriban sit tushhur, lisenat, ma'a bad zjad murat tabak, awuzjadal hasalet murat tabak, benefs el listehlek lenta kunta meshibi muratabak hamas telefgini, abla mebata levgini. Wuchodil portion di awul guz edeh, de kheluf investment. Wa echher nasiha, uh lawintan nahord morat tabak ex u muratabak zed, matwasash el el el hadl enfok beteak, aw matwasash el consuming ratio tatak. Tamam, waashana dik example, ana behodan nahordda, kamas talavgini. Watra eight u bechod tamant telefgini. Awul machulat tam telefgini hoppa, yalla, uhodli haga consumer finance gdida wa la ruh uh uh asrafal filuzba ana haptidih gib aklaman barra u kalamda kulula. La umuratarag zed, wudino siha muhem magiddan wu gase tokun ahem wahda fel khamas nuatalna ulnehum, and la umuratarag zed, khalli mshi buffer time and septi shwarlisana, benafsalistihlaq bata murataraql adim, wwad gehiziadikullah, fil investment bathagat long term.

SPEAKER_01: 12:17

Swiad muk nyo daywalefamin tab sha'iz nafsiani. Matsin nan wasan yes.

SPEAKER_02: 12:21

Mahawa mahu adim shaklitil investor. Ma'wadim shakhle, bunal flu seloa, uhdiala fikra every now and then wdim nan masaya demalf consultancy andi, uh, every now and then lam t kafet nafsac. Fanta m shitala chul, uhil bil skilil adim, bil shakl adim al murta bel adim alalom nintaptahul muratab akbar, besatalafishore tilet, kafe enaf sak. Zal nessel tamal dieaninta inta malton nafsi fumal free, and nana ha gib one large pizza leal wah diabo z lamaltofilizboko samobba zo shou. Lil eninta lilas m t kafe enafsak. L enninta loma kafe tsh nafsak mshab antakil motiven ninta kama l kilmelinta ulta mawasala nafsi ma abbus atyan. Why not?

SPEAKER_01: 13:05

Tab il ya indukulit technology dilwati fi ailam in eata wasat o yu eta sira a la islam of the sasmor, wze il fintech ul technology to kun sabeb fi uh ta' ali m lustasmor wistefedal shabem. Yaana na wana shab dilwati is yes the fed mil technology mguda dilwati in nana abbiraqle di lbait asal min walgi abuya w giddi u kidayushabi kwa.

SPEAKER_02: 13:28

Swal dali two aspects. Uh fi aspect awale ny anam shaza kallem fip soroha uh yani akit fi fi uh gust uh anda gawbal hetadi alohowa and nana ba invest sweet fellus to build a fintech tamem, le en resources ba et moteha delwa tifahnahanaskipel heta di we hansibar hadimerwadal amalet ta' il yi gawbalal al-khusadi, uhuz et teni l-fintek w technology, sehilit tameeman modwal investment. Anal regat uhmastohar sana war, ult anaiza stasmerfil asumasan, for example. Andana wana andit sa toshar sana, mm kontabaru haiza afta hesat fisher kata do remalaya, u di kosah, mishaira family kalanda uhet regulations moshovdalhagana diwa tandi tamaya ota tin sana. Regulations that tawark, bafi fintech, ubafi uh technology apps, mafishoktor minha, and uh if we can mention some of them uh uh uh tender, and khelen, and dak e invest, andak uh mentum kuledi applications bet marketplace for investment. Well process betat al-fathab ta'etha el awul ken it adeya, mshaul saba zem abttif tahsaf fil ban kuptum di wara ukram da kulamin wunta andaktoshar sana, you can buy equities, you can buy funds ta dot shiri asum uta dot shiri sanadis tafmor, tata tenzit shiri dahab aydi hollasman ablama sana di dab batotla. Dilwaati process bat asal liktier giddan andatamil digital onboarding, winta atfabitku, winta adal bachr, winta atf sehla, anta lwati mwa wutfe sehil uhta wunt ad, andta fataht l application amal to scan la ptok, uh verification lwishak, it's done. Wtamel feeding hata l wallet betatak, badan mabatruh albank tamel idea, u makal flus cash, et tahwuled deluati mabinal mobile wallets u mabinal l-huwa l online banking, bitaal binuk wa uh wa wa u ku u inistape il sah kul process di l-digital payments bishak layem, uh, sahilitl l-modwada, fantamandek shahegga nordhan intimat tidish. Yani ayan kensin la kantanda kta mantosha sana, bgrabdu allay anaba ko, intamandak shahegga in intimate tidish ibda, mendelwati. Hadalaw amalt il-tizim, aw disciplin, memabla ħtef, suer intamunk tukun shayfu tefh, bas il-miginilin ta munken t hotan hardabil sehil lehna kun na unna alil compounding interest. Munkan tosal lashar tafgini, kamen na sabasini, kamen taman sineen, bas, bas mahtaga e consistency, swayat il-tizim, wtib efehim il esu meshiz ze etala mwra wa social media machalitch wal internet, machalech hagal hetta tatan knowledge, u youukan echar hagaha uula, you can taste, tar tatawa k mean, illibihawli wa gehak na hit haga ba inha, we ulla kin nelbe da wehesh, u meen, illibieddi knowledge ubiara rafak demuneseb imta, w demuneseb imta, wemunesebb imta.

SPEAKER_01: 16:26

Hello, anda lil ey zakalak no no bordu fina'tikl bin hevesen mel walis to smor. Whatad nesti ale anda ba lai video head, nes bit kallim ala elis to smor with stas of fusak fi we kalim kula ala hevzemel. Mun get noza elfar bean hevzenmel, or is the smor.

SPEAKER_02: 16:42

Toi, an a han hanachod el el su elf direction tenishway. Fifa mabin and nana ml saving mel hai kind of hezel mel while I savit uh bithaush. Oh, bahawish haga fai dan hakti rakant a saving in nana bahodel fellus hotov durg, ahotafseb geri filbank, ahota ala wallet zero interest. Sheel fellus saving, it dokhor haga sende kedalagam Eladhhur, hawa elstepal awalanial stathmor, enta mani, menal echer kide andta mahtak taraf and tatarf chil at di, tat dehir at di, t'hfos felus at di e walaisakimita, uhmountyani, wen tathmur. Fa listethmor and tanda kawamil kitir giddan bit osaralik, wwaqbaru mu lehna hasina bikulena, l inflation al-todahum, and nel buying power batat flusak bit il and l ko srayabal makuntwashrihabab elfegnira et shriabdelat televgni ukamas telefgine. L'ona hotatil flus betatin nordha in a saving vehicle, hatata saving bestakida, uh maptamil sh maptak borshib nafsal ko abta l- Todohum awl zieeda al nchfatbatahum, Aomri Maharfa Kabbar flus, Bes El Stefmor and Nanananhordha Bamshi, Bes al Nefsil Telet Asil alana ba'ulum daiman mud dezimane, objective, risk tolerance. Aham Haganaful kussadikulla. Ye will hadewa kidash n less eat wahma. Narda uh Rashod uh gai eyes yul anolaya ashar talov gini eyesasmerhu. Fa Ashen ta of te geob a mahotl flus difi, and tatisam nafsawal haga who alflus dinamtaga imta. Walla mahatita l investment long term walala wa lahambiha ibzot di awul soil. So elit teni uh uh will time horizon hila mt asam taleta, uh short to medium long, wa ashman ul shek kalam la bekani el hagatil el fool madha u sh uh short low kasil. Oh, kasir al madal had the sema, we l medium term mmansana masal al talatsinin, we al long term above l three years uh uh l low at term talatsine. Mafish hagasman nanam sikfut time horizon lwaht. Ya ni mafish hagasman nana kullistat morate ba short term. Wa ma emfashitab abordu kul haga long term, li le na hagata long term and hataf long term, tactif loose out zanaf haga alal short term diluet hamli uh ba halbs ba fish hagate halbs. Fa and nana awazza mabina time horizons in muht telefin. Ta yp teni hagel lechna kalim na lia le objective. E had a few minutes moral ashort telefgini, roshathaudis and nafsu eda wanizasmerum li an eyza hofazala kimitum, tamem, aw koshra epithum, wal uh eyes menhum passive income, eyes menhun dehhl shari, faharuhmasalana arbutum shaw hatum f ede buttalali dehl shagri, wal uh an eyes hum uh yasalong capital appreciation, uh the rasmele yani igbarumanafso. Tamem the objectives okul objectives moshuamatan.

SPEAKER_01: 19:47

Ta wechher haga risk tolerance, moshkinit a show bel Arabi kul leha bilastisnip and he betref m and he risk tolerance so medatakabulakil mugas risk angaspa risk tolerance so e anitakabul mugasal hotla showba and then a visal hat of mos uh besum risk averse how mes betref milgas bethef eyes yeah like an eyes testmer, tlali can kulushore. But hot shad of banquet a la cusha like an is the small mucanians and mucinyatla we be a tawil in med uh within adida, mish bit is bit mistan you had colo show.

SPEAKER_02: 20:35

And to ulti know to kill him laudana kill meetin alay shab sway and data montosha with satosha sena you only haigi come kullushoh. Yeah yeah uh smallity uh list subti high takwinta you have the the the the health, you have the time, macal what to make tamal passive income lenf sack, mishmahtag and nintem nil owl tadafgini how wish to home, home haigebulli come kullasha how one eyeshadow telefgini do came later on.

SPEAKER_01: 21:04

And a balay, with passive income uh interrogal, the kill filmk tier, faith big grec as electrwe, how is they have passive income? I passive intercome deh?

SPEAKER_02: 21:35

Toi. Khalina, l active income, how income, l bigilak, bune an ala, m wog nozzariana uh effort at our fluuse. And to the other to of a regular bit innovate, uh bitub dea, bit uh ttighla of kargidida, wept tamel hagat bit bitim shima tataur, tul Madisha went asena, you can generate kullishwey a fluus, but the worshal passive income delwetower and then tatamel wealth.

SPEAKER_01: 22:41

Anashevinal passive income beep marhalamuta kod dema yeah and tastaral talanfsak echretful income beta and he goes income, each yeah that gilak but hush the sasmeraf haget once the mishmuttor in ninta ul kilmet why the khalikan kulushor. The fush much.

SPEAKER_02: 23:08

Yes. Begabd mshabsoer, wafikra yani ilbis mauna, uh uhwbi shofuna dwato marfina na bakalaman min, sharab soer, begabda magabush talata washinsana, uh If yi isteril skill betatu, f coding, f graphic designing, f talim l' agene bel loral arabeya masalan for exact. Guldihaget, betgib luk uh filus delwe ti, battori aseh lagitan basi bandakl skil. Eptadu erdul units di real estate properties di ubi a gorho bitamelu passive income. Fahowa mennahia uhapital appreciation, uh l ziada rasamalaya fil osl lumu waptan aslana nafsulal property, w kalla productive. Hata maamal shif di zahalina alafekra lawa can be sheri sha owit nin we filum we sana oh, wudal halfamaso kolata even.

SPEAKER_01: 25:17

Well, khina only haga in tamba winter in nowa beta be in nowa is test me fenopsu, ubana hagasma high income skills ow mahara be difafia m dehlaik. Uh fahya deal sa aditunniband hagasma disposable income o uh uh da zia da analtiag el shariga kisari, atiagi shari dam and shots. Exactly. Faho either and zyeda di up to maradam is the smirum for one mushmu tor and a law. We did my ow and kill me, how diet allah can kull shore showing me I smar. So il bring the sismore or susmoral. Tired. I will think I will muk inulkida ill ill ill ill hagalia masaloya.

SPEAKER_02: 26:04

Tired Ashen Shamsum Kirsaraha, yeah, very uh very sensitive giddum. Waelem El Mutare Fibe et Kitir awi, usaria awi, wana mandition knowledge il kefeya and a kashabuzar masan anditomantoshar san andi samatoshar sana andi ashtin sana hatal andi talato ashtin sana uhledge al-kife aw l exposure til Haget Diwaraf ilfer emabindawda. Alistafmor il-emen, hawa ay istafmor, fahege, tangibil, melmusa, filmukam alistafmor filhaget al-murachhas. Wal Hagat al Murachosa, Mafish Asalman and Nana Agib el Hagabtait, Wudayman and Waindul Menal Investment, Mishhatlef you mwaud bawa ed dohma muraht. Lekin al-stafmoris sabbuba ustafmoran na saboya nanaga ullak e ba ullakirosod wdiena bašov abgabdul ana nafsi bid batlin msaj jeddi. La wa haw teli dwwaati khamsin alfignih hawulhomla khamsain al-fignihlal arbaashtin sa. Ew il hadiligi ullak aala arkom, auratius, ew, awed, beida ew ya anesu. Hadigi ulaka nawadak buhumsume filmefsen.

SPEAKER_01: 27:23

Aw hadila shot khamas telev gine mukun salastelev gine meleon gini se tru. Oh, al hagata leh too good to be true dee. Afika da shafqa muhimma gid them gidden fil business, orfil sasmor, wafel Mohamed, uh tergim. If it's too good to be true, it's too good to be true. Yeah, law he lint up the smaller hag. Yes, I intake, shab, soy or nifsu ygbarbusurafgine, of terrachur how salom uh meet elfum meet elf alta chur how salom it shabbi how nifsu nifsubi ad ayal we shall khush of adin uh winter as a hamelak treating the manur shad eyah to terminate with homish with ail a dail maudosa.

SPEAKER_02: 28:19

El Muskelaf Hagar uh uh the lot if it may have head uh and el Shabeb Shafin uh Alamazara Kitir Gidden al social media, some people showing off Nazbeta starred, Belwealth subtitle tamanin to say a fake wealth. Yani at at forums, yes, for documentaries kiti.

SPEAKER_01: 29:00

Yes, we know lose business.

SPEAKER_02: 29:32

Temem Yani Yani and Horda Masan had arbitrage masan. Ezas the Maya, Ellehnam Mshawha Sawyer, Adintamagiman Ay Kushkipsepegni. Tamam Hayakulla must a source here, Hannafta Nahnam Nkalamalaband ex masem. Fa Maya ex deep the Bafakushked upsipegni, opted baffle mata milekushkebazopte Phamasoshargini, opted beaf a restaurant lmagutfe Zamelik, Begamsa Shringini, Uptidaf Sahel Bameo Kamsingini. Finasis Tagelit. Fisha websayora concept arbitrage da Babem Mefahmuhum Makamush Arfin Noadal Osl, and Noah Biachod Silla bi Khraghabara Su Betahabi Bah Suotani. Taman, Faba Fisha Babn Hurda, Talabid Bia, Masalan, Masalan, Shamsyat F seh. Hawasheril Shamsia Khamsa are being bi behav to suit seh albemokhan thinking Hamel Alia Magudu and Waslatu kalamda kullu, beso arafiela ab el laab tat el markets di. Khudba kalamda f accessories, khodek kalamda f t shirts, so hagedzaik, anawal source you a hageblak uh very good t-shirt, u al khamathelua gidden, wahamilak ali printing latif awikide, we uh hawabidbah handi wallahi henna uh b X, youra y hotov makent any high end ala swaye ibi double X. Fa fa fa karu diaman feta di wada edu an fikrit uhlema thora is sariaal and no mazam al hadratkuchufwa social media, uh sawe an anamishba alalman had du allohi, saw an canet babble influencers they are showing off aw bi hawu is heru in the homma ahne giddan uh uh dam sach than fifar egg dirgiddan madin being rich and being wealthy.

SPEAKER_01: 31:10

Hal, Yani Lani or Sari Bzop tilfar ng sah.

SPEAKER_02: 31:14

A ragal il ghani dam mumkin uh you kun biamal flus kitirgidan masamab shidh. Ow man dusha lachleya il diril fluz. Doragal gani, wal flusalema'eh, sooner or later, la hekan aegelin m egelin, el flusal madia tbah. Wahnna ulna mselalikalamda. A ragal al mustafmer, el libiarof, uh menel echer keda bi shuf waha ulhabil beladi ewi, bi shuf the kul lignema afforsa. E kilmadib geddul muhemma giddan er Rugal el el theri, bi shuf kul legnima afforsa, bi shuf kul lid i abitwa addi min wa to forsa. Meshal fluz bassu allah. El ragal il theri, elbiarf you manage time, elbiarafi manage effort, yi weyarof you manage fluus, bearof you manage awiaraf idir wa tu, yaraf idir maghudu, wearaf idir fluus.

SPEAKER_01: 32:03

Half, uh, thilena kuchwet selohita tactical lawana elfigni. Al muka tesmerba elfigni.

SPEAKER_02: 32:10

Y mfata tidit stu elfingni. Mafish option od demak rehaktien. Launtanda kwatu hibraw marifa hushaal al esum, laun tahnab nekalan naslisim nazha. Analysis, wutarfyan e trading, beged, fa aswa mura chasab gad, yan matroshit ulliola na hashtar alfelforex. Lforxna ul na kalanda miljon morra ablikide, mishmukandan famos, matulli shashtraf kriptu, iref and the fina skitir famosid dan btel fil kriptu, bes sowa hagalisemushmukandan. Fe eptidi mal haget, diaman iptidiha, betoriatil snowbowl, Aref kurta telg, munkantab az rayara at dikido tivdal badem matlifet tethawil legabel. Fa en tamunk and ttidibil hagatil basik hollis. Tididib haget short term, tamem, uhaz alakimet flusak, uwe f nafsilwet uh b mafashrisk. Zhai ima salan, zay hasabyawi filbank, o uh sandu naqdi. Sandu is tathmor nadi. U sandu is tafmor naqdi mishmana noafirisk. Sandul ist ofmor nadi, o aluriskze hasabit ta'firwa zobt eptidi howwish fi, u shofil tethir betea elfadel mu rak keba, betat tahwij bitak fi anda bahoutti fi kul la shah elfigni masalan, we shofum haiboru zei badat nosar shah. Uba de keda ttidi wasa fil fil f investment concepts batata k alma badalistasmar batatak, abtidi ba hothet of dhab, abtidi hot tahet of ako, nordom hanaol na technology msabucha haga, andtaba nordak fractional ownership a la kulil u sulil mele.

SPEAKER_01: 33:48

Wula siltinta in into elf it wasolar elfin wa tela teref mato kot krug homsh with sebum kolosy borro with teletul if we're such the cafe math uh bess of nafselwa at the sebum i yag borumab toi lawana muratabi min masaran minarba telef la sha teref gini and nosal elfigni. Ilimuk hamelu.

SPEAKER_02: 34:09

Uh atedi and nentatamel allocation awul hagga, awul hagga, wo dihaga muhimmae.

SPEAKER_01: 34:20

Noshar elfig me masadan, kashab, wise uhli, eyetalum money skills, whamal ew dalem kamilus.

SPEAKER_02: 34:28

Awal hagan olahbel bela dial abdelhafak medik. Tamem, Yani, Mishman and Nanachod Arbatalov Gini Mashan Ehna Heyafiya examples Arbatalov Gini Dibin to uh uh mastrufman Bawa munkani uh shabbaadiu uh bigilu devidence, uh home allowance, bigilu mastroof bordum nelaila, uh landum businesses kiti ew. Bess lau Halekal Haggawa in Met Tobakalust. Uh Hagafel common, uhul Hagal Adal Hafak Medrik, shoofil megele lentafifil owl, mehtag e haraf how show it fillus ashama strefum ala course, our certificate, ow uh ala workshop, aw seminar, aw summit, our forum, aw ey hagan al hagadi, ou fifium hagat kitir giddan free, best se btidi aamel wealth, aw ptidi how wish iq ta'a mablah ghosbu todor discipline, zaima atomic habits el tamem, uhaktab muhimagidden, discipline, anha ta'a meblah mwayan, hawadif hagat long term, mishhahsibi hazei e zay samadis tasmoradab, uh el fractional ownership al fraq.

SPEAKER_01: 35:34

Kalina ul anam shi tal al mawdwah uba rift the Ahmad mushid arift anan astohta kumsumi gine kulushoh, defatom salifi will hagat yunhega mosalot y shelfiba maya kumsumi gini kul shah, mukunis tesmer.

SPEAKER_02: 35:46

Tay, amili. Mabda n lezam l objective bitak, tulmantaswerf similzam l objective bitak termil long term, termil tawilil agar. Li le nlentemishov dal shagal tulamrak de mebandak se tin sanafel ekhmatle shandakhega. Tabem, febdidihabadri. Hunmel khomsumik gini, awun ul hum nisab, velhetal conservative. Hopt uh min ashra la shrin filmeem nil mabela lintat tamil saving fedah. Aw, fesanadi dah, illetnin keda wehad bin nezbeli, wana aw l go, ma hetet sanadi id dab, lan nehem djener hetal fractionalheta tatal safmaral guzi swa erawi. Tamem, lenda khumsumik ginifil hai elonzeltilgohirgo, tulazas shiri dabu kumsu bigini hata kale, li gromdelu a tip kamasterafushwaye. Tamem, dahnan mekalamalbawa ashtin. Fas sanadi sabitl heti, fadulla ashrin filmeh, wahawaddi, ashrin filmeya tanyin masalan, aala hega, uh short term vehicle, tenfani filstufmorl tenfani alal medadal usawyer, famunkan khatum f daili account, fahsebiawmi, ow, fsandu nedi. Dil flu salana munkanahtaga ka emergencyaw ayyeh hege, fel medal usaya, ruf nasil wet, astah dimhal la u ħasal u demi forsa latifa, del fluz di, lana stahlik halatul medal maharak flusman stathmarati masanal fiddahb. Wilbe i, munkin asimu mabin uh sandu asum, awlawana hashteri asum wamal fiya accumulation zai warren buffet, uh ba ba bashteri bishaqli dawri u halos, f shrikam na sharikat al kawael listat ful Borsal Musreya, aw fulborsal linta fiha f'andina masalan lawana hansah ba accumulation f Mishhaul Asum Akid, Basl Asum el Mawuda filmu Ashar Usip tal Borsal Msre, Asum tal M washr IGX thirty, di sharikat heavy gid them. We il ba ilna lihna unna shrin filmeya dahab, uh uh aw Sanadhab, a shrin filmeyeh short term mi bsend du nadi, uh nakedahadna, are bain filmeye, is tetinfil meadul hastim hum ma bein sanadis tatmar asum aw asum, o uh uh uh mahom sanadis tmarele atabakal.

SPEAKER_01: 37:50

Hali aksena hamalt high income skill, wu bait shot or amel t shwean sate a lot of shirka l income batay asan sweel who a bamil masalan kamsain elf uh skilltifteri baashin com sain elfel w ba wish alagan meet elfigni. Hel. L meet elfni do how wish to m and eyesh pushem shai samal bottom. Matrosha tum fi head hell. Ah, lmaya meet elf Igni Isa.

SPEAKER_02: 38:20

Halostil khalust shaif and nanafelwa ttil heli, mafish investment munkan amiluf nafsi awful knowledge tati o whatever, u halos ana satisfied b-hedadi, aptideruhba anahitil haget, bordu, l l munkin tamilit a productive assets, yani e yani lawana, maya khlausel meet elfig nedilwat. Munkan asumum benefsit ta asima lehna ulnali habasa emal shuye okhtar lawl akwelbeta tisu anabor muttola, sawem bashtakal bisakla active, aw passive, yani bestafmur shakla active filashom, aw bishakla passive, uh el muazum l-afriat fila'lam, u muazam al investors fila'alam, banu l'wel subtitwum, uh common lee minhagam al hakteen, yim uh shares, bishtiri equities awashum, yim mahet a real estate u kalamda kullu, zay masalan Robert Yusaki aw nazdi. Baidan an and nasal entrepreneurs, l amalu businesses u kalamda kullu. You can start a business with meet alfing ni alfik. Yani u di kasas ba aktiir aw munkin netholfi. Basilawanta satisfied, u saturated, mkhalas muktafi, menalhetta self investment, mumkin yet asemum benafsin nasabalhna ul na liha, yiimma lawin tahata, uhin item. Alheya ashrin filmeya fedahab, tamem, dashan da haga long termfazal kima, ashrin filmeya liquid, cash, ma good fasab yaomi, biid di ay ed diaomi, aus and du stafmarna diba keda dul are bain filmeya, we a sitinfilmeye elemedba'in, minal meya filmeya lehnabin ula alihum, ha asimhum ma bin uhsum we real estate. We zemabaul, mafish haga sabal dwa ima u dwal fractional. Ba akulumute.

SPEAKER_01: 40:02

Fraction alwa m thefmoral usulan. Aylo baas bakfisa radi is the small fi m real estate linuhbukama meet elf. Hashir la khemel ayamal legay. A shin basel kilma di muhimmel in haddure kama masal ma meet elfing arahash ad meet elfingim sha'. Bzobasatar of tsheri sahem shirkafias and do stmall flaqov.

SPEAKER_02: 40:22

Aw tnaandina um filak tir and the munk and t sheri saham bi reflect of mora akori masalan, for example, wdi barguteni mjdao al biawa shiraba simta al model dakan almorenzil masam fulbursal masra shrikit bunyan tamem we al hai'a akharit l sharaat lemagmua min al shharkatul osulwa sharkatlafmara la khari, and theyatar tabia el shares di wa'atla kanunwana, I think in the kalam dayasal bay halmel lachwal ablin heta shnin khamsahtin. Fa and tamken Malhamas talv gini tishteri milkeyafar, munkan min mi gini tishtiri milkeyev dahabu minham sing gineu min mabela swahera giddin, u munkan bardu min awal asharagniu ashring gini to other tshiri milkef asum.

SPEAKER_01: 41:06

Haltai Isa elikag e aktor il akto el intashuftah m shab who and a mabib deaflistasmal.

SPEAKER_02: 41:13

El Tasarra, Tamem, da el Kilma alaniyya, uh El Mashiwar al Khatiah, Alhuwa Arashufit trend defin waruhro, Mengidma Arifa, da Al Khatta is She'a Teni, Al Khatta is She'a'a telit il impulsive buying, uh Al Sharal Atif uh Shawab delti shuf eda Allah Amri Dyab Levis shoes Amiri au uh ka'esmah al brandsma amiri, I think, au haga zainaiki au levis haga ayan can brand very, very uh expensive, yolak an Iza Shrizeya. Ow Iza upgraded telephone ilma ayan poppy gabli iPhone fifteen Prumax and Isa gable iPhone sixteen. Al impulsive boying the dihagan haget il mudamir lil lil young generation will gil soyer, l hagal khat illebadu uh el self kitir. And ninta betruh lebad dats aw kurud seya marra wahda. Wanta sina soyer, fahin ninta mainfash and ninta truhfelhetari. Wofifar ebirgidan mabinel good dats sul bad dats. Ash mbardun y neba ayinil mufit kulloyan. El good dats, hey l-dats l'awalan betreflect munkin tukun and nana hat to kordashan ashteri assets u appreciating assets, asteri aslam l usul. Aw uh tokardashan ashteri uh alha masalan masalam, for example defina samalitha lam makanatal interest rates ulayele, khadu khordashan u a hawul flusum kulun daap. Fal dahabamal gross lotif ewi. Mattibashil fawe dali ali. Lekin el bad that's hea elbats awalan el interest rates ali awi aula daliha ali awi uhihat estehlakeya giddan, a rohasteri mobile, arohashteri uhes, awasteri lipsit, damasach, amal kalam dalam fee offers a fi hagat stehel fallam. Uh umishlezem teni ekhalik fakilmet al abdelhafak med direct.

SPEAKER_01: 43:13

Anafi hit uh shendi hossama famoso marufali, when a hatalanaya kumsmik gini kulushabadra hot investment, munkan marash tibswini masal andab, Basara Fa Khosh Gamaya, uh Khamas Telef Gri, Badikaza, Famastelev Gini Dul Misharoh Tribium Gazma Gdida Rashbi Hasto, Inibafakarf Hagakin and Nana Amal Gamait Dahab.

SPEAKER_02: 43:40

Ian can khudbach Maho enough concept mawal incremental injection, all incremental investing alist of Maratasaudi lowal frequent investment, how nafsa concept gamaya, basebadambahotef Lucif Hassal had Masal and Masel and Kulla Shah Elfignial Mudda Tasha Surah Ashart Telafgini flee.

SPEAKER_01: 43:58

Faeba Mahakba Asha Sul Asha Telefgni, Vlash Telfgini Mukat Hot Shwait Hot Shtibium Shweet stock, with hot to be um shweet.

SPEAKER_02: 44:15

The head at the septlet, our little compounding interest, stuff more dawry water saw.

SPEAKER_01: 44:29

Fam psychological melt, and so hami big tab course.

SPEAKER_02: 44:33

Fihad kitir away.

SPEAKER_01: 44:34

Viagat kitir away. Soro myek masra.

SPEAKER_02: 44:36

Uh my na kun nakalem of kussadi ablikera yani. Uhudbelak fihagat kotub kitir giddin. Mishnafahatat masr Yani Shufanayani. Masa reached upurdad Masan al Kedabel Usher from zero to uh from zero to one. Ow uh uh the monk who sold the history, our psychology of money. El Kutub dikul laha uhsthat masr. Different environments. Likin anashay if nozari uh wealth creation mindset uh betatalachas fem kil mazrayarin, a will omit discipline aliltizim. Tamem Di awl notya uhget fil wealth creation mindset al timing. Ya ni fi had in l- millionaires al-masreen, mashurin awi uh ken bi ulak el gimadah, hu akan bi ulhabil bil concept dah, bas satargema ba di kida o alam alwaqap nazar alak el faradhaz uh l-hostil mawit alo wi ullu iani ihaz allu nintama'akan nohaw felwaq til muneseb u ul makenel muneseb daiman en te kul l-lahza u demak fiya forza. Tdar ta stafmer kembal foras and ta' munkant vastar l'forasil ma wood. Wal foras daiman wallahhi mjbel filus. Eyani, msh mjba ulak istarel masalan masalan in nisahmal fulani fulbursal masreya under evaluation betea ewi fasterel al forsa dila and tamkin l-forsa naharda tib f network in Tamal ta' mahab. Anatar often naharda alameen. Tamem, uh that's that's very important. You will make D D aham points, uh two points when this belly discipline and timing full wealth creation mindset.

SPEAKER_01: 46:35

Murshidan uh, of kalemble usul, uh stafet, stefedu, unshallah yani kedab mabad fakekti.

SPEAKER_02: 46:46

Anna Mustam ta giddan on adud, thank you very muchul, l concept of sarahagidni giddan will targeting giddan l and dihet. Fiagab kibira awifil market, kull financial institutions, banking u non-banking, kullil mu asasatil maleablast, bethawl t shtagal aliha, bas ehna sua and dina kbira awi, will gab kibira awi, faataman na lehna na kun guz eml uhl l uh l'hetta lbudhotil gab di awl l'hetta lehna fokdinha fesu uh knowledge l investment literacy wal financial literacy, muhimma giddan u allohi makalem.

SPEAKER_01: 47:26

Anabhatina uldaiman inta aul osl inta aul os yes.

SPEAKER_02: 47:32

Aham minuto fallan aham osl inta Stephana fiho wa nafak usa heta, would nahak w Nessalantara u sec.

SPEAKER_01: 47:41

Ned halagma sh kufi halagdida me kalamrusul mut intaul osl.