Sharing in Podcast Money Gym Un tireless Money recently co-organized by Vietnam Prosperity Joint Stock Commercial Bank (VPBank), journalist Ngoc Trinh and content creator An Truong shared reflective shares about money, partly helping us have a more multi-dimensional and accurate view of financial freedom.
Learn how to say enough
The definition of wealth is based on each person's starting point. Some people think that being rich is confident in living freely until old age, but for those born in luxury, being rich does not stop there.
For An Truong, being rich is going here and there, having an open perspective, learning from relationships. BTV Ngoc Trinh believes that wealth is when being discovered and the ability to make loved ones safe and happy.
Regardless of the definition, wealth needs to converge all 3 factors: self-satisfaction, family and society.
In the journey to find wealth, when young people were always "say yes" ( say yes) with all work projects to discover their abilities, to experience and make money. But at some point, they will pay more attention to safety, sustainability, fulfillment and learn to "say no" ( say no) for jobs and projects that are not suitable.
Ngoc Trinh said she has made a list of things to "say no" as a principle in her work. That is not hurting yourself or others, not spending time on unnecessary things, not missing every small amount of money but not giving your money a single minute of rest, Ngoc Trinh said.
What is financial freedom?
The concept of financial freedom is mentioned by many people and set as a goal to strive for. But what is financial freedom?
An Truong shared that he was once 100% confident in a personal financial plan. According to him, it was an impressive milestone for himself, a trip to the US in 1 month. That trip, thanks to financial planning and spending discipline, made him completely financially independent.
Financial freedom, for An Truong, is simply the ability to arrange a time frame, a financial framework enough to "carry the suitcase up and go". The value of experience lies in opening the door to new opportunities, breaks to regenerate labor, spend money to earn ideas and inspirations in work and life, said the content creator.
Ngoc Trinh believes that freedom is equivalent to peace of mind - the state achieved when having specific goals and plans to achieve those goals. " freedoms are not about buying things without looking at prices or doing whatever you like, but are freedom within the framework. I know I am free when there are clear plans, a apparatus I have set up so that everything in life can operate smoothly."
However, BTV has never felt 100% confident with any of its financial plans. She always worries: "Money in the account is not spent, not lost, but if you don't know how to seize the opportunity to make money, not make it a profit, then your financial plan is still not perfect".
When is the best time to make money?
Optimal spending is extremely important to avoid waste and is also a way to make money. And the best time to make money is now.
As someone who is not good at calculating money, he always thinks about how to make money flourish, that is the concern of not only An Truong but many others. Grasping the increasing demand for personal financial management, especially from the younger generation, VPBank has officially introduced the Super Sinh Loi and Super Prosperity Profit Tools.
Super Sinh Loi is an automatic profit solution from payment accounts, with a yield of 3.5%/year and daily interest payment. This is an ideal choice for idle money but still needs to be flexibly used every day.
The Lu eng Deposit Certificate (also known as Super Thinh Vuong) is a product suitable for customers who want to optimize yields with flexible terms from 1 day to 36 months. The product still maintains liquidity without exchanging for profit.
An Truong feels very lucky to have found an extremely simple profit tool from VPBank - Super Sinh Loi. Everything is very simple, just need a smartphone, open a banking app and turn on a profit. The toolkit helps optimize the amount of money in the account and is very safe and transparent because you can see daily interest rates, An Truong shared.
"Money in the account, just turn on the switch to make a profit. The money will work at night when you go to bed and the interest will be paid the next morning with a fixed yield. The product is also very flexible, you can withdraw money to spend whenever you need it, Ngoc Trinh added.
Money can bring you any means to settle down, any peace and happiness, as long as you know what you want and how is enough. Financial freedom is not a milestone to achieve, but it is a state that needs to be redefined at each stage of life and needs flexibility to upgrade.
With the support of solutions such as Super Sinh Loi and Super Thinh Vuong, the journey to find financial freedom can start today more proactively, flexibly and inspiringly than ever.
