الفلوس بتحب مين؟ اللى بيجري وراها ولا اللى فاهمها؟ - ياسمين هلال - CEO of ATHR Consulting - في كلام

تواصل معانا وشاركنا افكارك

نروي رحلة من المصرفية والتحول الرقمي إلى ريادة الأعمال، ونفكك العلاقة بين المال والثروة والقرارات الذكية. نضع إطاراً عملياً للاستهلاك الواعي، الائتمان، الاستثمار بحسب الهدف، ومعنى الدخل السلبي، مع لمسة إنسانية حول القيادة واللغة والفحص الذهني.

• الفرق بين المال قصير الأجل والثروة طويلة الأجل
• متى نرفض التمويل رغم توفره
• كيفية موازنة الرغبة والاحتياج في الشراء
• الاستثمار وفق الهدف والمخاطر والسيولة
• حقيقة الدخل السلبي ومتطلبات تأسيسه
• التعلم بالتجارة الصغيرة وحساب الهامش
• تحديد القيم الشخصية وأهداف المال
• القيادة كاحترام ورؤية الإنسان أمامك
• دور اللغة والفحص الذهني في الهدوء المالي
• قيمة رأس المال البشري بجانب المالي

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Episode Transcript

SPEAKER_00 (00:00):
Of Hala Gida Min Kerembro Sul, Mako Ahmed Rosh,
Dumaya a Difa SadiqabaAblimatkun Defa, Wahnabalna
Mudda, Narv Bad, Mawad, we andFi L Finance, Min Amerikan
Muhtalifer, Technology, L Banu,Kl FinTech, Consulting, Whaet

(00:22):
Kira.
Yes.

SPEAKER_02 (00:35):
Sukur Ahmed Lestodovtak Leon Nohorda Anna
Ismi Yasmin Hile, B Eli TalataSrin Senfil Khatal Masrafi.
I moved in one career to anotherunintentionally.

(01:00):
Gidden.
So khatal masrafi, ukta digitallekin, sophanullah.
But uh temen sin for technology.
I moved into uh to be thecontact center head for uh for
Citibank, it's e business head.
Bad talatosh or sana of citibankhassle acquisition lil bank l
CIB ATF great experience.

SPEAKER_00 (02:02):
Consumer Finance.

SPEAKER_02 (02:02):
Yes.
Then I decided October 2024 totake a different route, the
entrepreneurial uh element.
And I founded Utruk Afar, whichis author consultancy that
offers uh consultation fordigital transformation, digital
licensing, as well as digitalgovernance.

SPEAKER_00 (02:36):
Yes, consulting.
Yes.

SPEAKER_02 (04:02):
Hel hey illoy sea.

(05:00):
Andi Musroof, and I andi IdoraMelflus Batati.

(05:20):
Sandwich or Shtiri Hag Akuladiversus in an hagamil bit.
Fainabaftik befafkar is Zay inana awaz of ilfus batati l
against Ehtyagi.
Wana Masalan Mehtaga Masan AshteAchruk Kruga Mayan.
Hrugadileta Klefa Mayan, HalAnna Mosruf Yaomi, be careful
Krugadi while a mehtega in anhot mosruf yuma musruk fuma sh

(05:43):
an odd khrugadi, our rehledi.
Daiman and fakrequas gidden, Iwill murat tathatu.
Kut Bashtar one of gamma.
Murat Balhatu the can robom meatguinea could come at Kuthasa
Nana Agnah the Fel Fedoniarecepnarfi nana odder atala

(06:04):
fluzebess a stalic fluce.
Falezen of e lana um demu lasasu other menu the Uldahda A
was of Zay Shafa in the feverbeen El Rina Soro.

(06:24):
Taban Soro Mishmana flus UlrinaMishmane Nana um and the um
wealth.

SPEAKER_00 (06:41):
Wealth loss, Elrina Elflus.

SPEAKER_02 (06:47):
Soro, Mandish um wealth.
El wealth mishbes be a haganokde Mukin il il wealth beatemed
al hagga betolla fluus.
El rina uh short term, il wealthis long term.
Il wealth beatemed alhege alaala ala dachl medi o dachl uhyan
be accumulate alabado.

(07:15):
Oh uh target mwany.

SPEAKER_00 (07:45):
Yeah.

SPEAKER_02 (07:58):
Hello, Fanta Mehtak test.

(10:05):
Maya Frusa Bas Mishashteriha.
Of Dolly, financially of Dollyin a still foster Uda Nafsil
Mabda Betaya El Tamulis de Hakiand Amokani I amid Guinea.
Bus Mishurfishribiha MishashteriBia Hagel and Mes let's say
Kobedi Bnigine.
When I am mid guinea, B Miginedi Anhasrifigine Kulala

(10:30):
Kubaywahat.
Bes Mumkin, low Shtarit KobediuKobedi, will Estatafish Rash
Rugni Bana Shtarit Haktin thevalue of Metingini Wana capacity
and at fala shragni or ashringini of Dolph and a kid
consumption all me geni.

(10:52):
For Hagel is the value ill us toin a very healthy financial
relationship, and then alreadyfill capacity of payment betati.

(12:55):
Kulina bor credit bureau.

(13:50):
It's not because you can receivethis uh uh financing, it is okay
to take it.
I need to know when to stop.

(15:36):
In nana m and NFC invest, li ekazatori hasab and a mehtag eyes
also investments, long-terminvestment, walla continuous
income.
Lawana mahteg fiba products massfulfilldi.
Wita goes abordum, why ill illmelee?

(15:59):
What kind of risk?
If you haga high risk, if a lowrisk.
Wa hali an aiza fi sura uhalafisur asset.
Wukaman fi lati solutions gidthe zahharit and item awl ilwe

(16:25):
il- Sakanaya kameram mukun tkoshibiab assum.
Kulidi uh solutions l the kor, usolutionsir u tulkit here bes

(16:49):
lesnterga chuf inta htiegak e.
Inta nozrittak eyes e.

SPEAKER_00 (16:54):
T we kill meblivers of eyes passive income.
Or any passive income.

SPEAKER_02 (17:00):
Helmugidden.
Passive income da basically intauntanay beta fluce.
Finas k tir giddan gidan.
Well fakre, then can tes famewill passive income da inta
dorfilborsa.
It is true.

(17:41):
She had a little bank de passiveincome.
Bas return beta behtage.
What kind of return?
Will you return the hellho oftender fat of the money called
the colour?

(18:03):
Oh, lin hatna kulasaria digitaland online will will will cycle
with that l achievement kul shwait also passive income di
machtega journey.

(18:26):
Oh, passive income the anacontribute fee walla had the
tany haya.

(18:47):
And a baudl income it's anactive inc it pa it's an active
income.

SPEAKER_00 (19:14):
Oh, ashteri hagga wa uh uh ashter lala in an uh uh uh
ashteri uh dahab or ashteri realestate real estate maru gidden
la il gimmekivati bulmamla xletter b three x and a man who's
a man who's a little bit morethan a little bit of kitian

(19:34):
fifty sahlazamani passive incomeill who lho interfiti di uh in
head dechless kill me passiveincome hat mesh muhtanab kill

(19:58):
met passive in general and thehatalown mishmusteric feel
operational element into hot ofyou f there's an there is an
effort if he may good bit hotinto the other thing.

(21:02):
Blah blah blah, Wandi ShotFusaragam.
I shani if tshtagel, Itakl theba munkin and a deaf law maslah,
be gab lem, gab betal gabi waterhalf you give teletops are hell

(21:24):
bahum for uh fort and a tombsay,forgotten of lafia shing
alamini, and a kula alam habiaobeing spotted a a demand demand
of fertil supply with a with amargin.
Oh max up so you're traded and abad missile seed gidden and

(21:46):
still some eyes of solution.
Fatada in an fruit accept it,for the old either the feetini
and a female max up, uh what'sthe al max up the maser and
maxab how's agini agu uh fungernepsi be tingini hai gibman whom
I give minhum bada tiny formassan, more hash be holy

(22:06):
bistel, one of the tingridul butthe health of moshwa teni.
Uh Khamas Telefgini, BaitahutTaman Telefgini, Basana Makutus
Aish Basha Telefgini and AishtipSit Telefgini, Ilfini Gini Dul,

(22:30):
it'll either manamuk kurso, astes or tali mentamant telefgini
proval fist is more okay, who'sa smorifikri.

SPEAKER_02 (22:37):
Bazo.
And an atom, sir fat kursointerlayadi ash an or of min min
il value il value asset valueindividual, five atamani fuso,
and as for f suchula amal ali,kulumabiala, kullumabibahindi

(22:58):
marguz male ala orafa asharyalu.

SPEAKER_00 (23:03):
Fanta dewati thewah and a shahel kwais wa had sohbi
ali than a bar of gibbem shad ofe shut b draw b and be al
khudmasan and fingini kush wellfing and a duati munkan ashteri
uh asum bunk feeble apps willapplications we al fin
technology, munk elfing,shtibiha tetalam tsum Zaman can

(23:29):
bashalka beaker cigar baday willborsat which are nasnake.

(23:54):
Baara Fadelha Famunkini AdirMaware Hell Ashavni had Khalini
Milliardir uh Kaman Sanatin HimShemelak.

SPEAKER_02 (24:12):
Arif Litu Ba and the social value two golden words
Fentic, we eriftin dul MuhamminGidden Gidden Fahd the Shmul
Mele we il financial.
Libnos Aulakley, Erift,Fantashtal Wai u Tawa il Hamlet
Tawaya will why Yani SismoreYani Sarah Yani e Rina Yani

(24:38):
Tauzif il fluuse fi hagetsustainable Whantic is access.
Fi haga haga Muhammad LessinArafan, Mishkul had Dandusaday
Khushibankullah had be meetalprofile albanky.
Ma in fi Hamalet Hhoya giddenmele, Alashen Michlel El Khatal

(24:59):
Masrafi, Lekin still fee certainbarrier, like a barrier il
khatar Masrafi.

SPEAKER_00 (26:09):
And Tamun can bukra yilak ehag.
What had gelu ashamliumi ormablachimiro which all it meet
alphigni.
Amelie, uh my fluze, yes, Iwould haila, rash, or a hot to
modem shaq fluusini.
Um shwa shwaya, shabk fluus, andthe table assault mentesh, il

(26:30):
kowa, walkudra, in nintollaatemal salt demandak, shil
khiber to mandak, shil fikrumandak, she kiz and total
phantom, lil musita gidden,lewana dear betori asahih, a
shall telefgini, ashlin elfigni,teletin elfigni, harf lemgini
meetha tsar of har of lemvallimeet elphigni, harfadirhum, the

(26:54):
m are of adir meet elphigni, lowrabina corongni we no
summiljongini, harfadirha.
Set it even o no bar ofadirshtev gini.
Sa Toy Basi Naish Ash telefginiAmeliahmad, Ishtagalinita Tali
Kimtakusuke, Le wentamura TabakHamas Telefgini, Wutaraftahut
coursi Alic m dakle, MangamasTravgini, Tamat Telefgini, Hod.

SPEAKER_02 (27:15):
Away they make an ulli messal, illik il sismoral
fidmarek, uhemru may be illilvalue ter.
L'inum had shall the minak tfour alashent alum how ir shall
actual true investment.

SPEAKER_00 (27:29):
And we're not going to be able to hip the messal
American.
Money is the best slave and theworst master.

SPEAKER_02 (28:12):
What yanadluati, ashan araf taman marflus, are of
elakti bea wa good of hatiashent was of lil e hell hadefi
l is more aw ashen flus,walalashan hagemwain il and goal
betei.
Lemar of bzoft elokti e malflus,wa il head of betei, fi umurkti

(28:32):
giddan giddan atadriarf tamlitamli mal med, auma il il il il
wealth of fara.
Law enhadafil flus na eyzaflushanagi flus, liha hlololha.
La eyzel flus ashan also l headof mwayan, liha hlulla.

SPEAKER_00 (28:48):
Wanaba shufin fi ohtokvira bordo futori ta'emul
auroitalflussefinas, who be beshefa haga nzakalimalflushaga
wesh Hata B Sabi Hud Hagani BdimTabanta Al Ashan Bashuring
Bilgan na Khan Samin Hum Ahneya.

SPEAKER_02 (29:07):
Said Nasulaiman.

SPEAKER_00 (29:08):
Usa w neb Sulaiman wair nofika will sahaba al kham
sa musuling behansman cani, abubakr kan gani, omar cani
sulamenhu yam look yem look uhfkani sahem kalma adat kibir min
al sahaba canu ehme zo lacismcan it tegiro Sa echna il mal

(29:40):
who washi then nah do hagatiz ina time be when n when n interfee
and in alphinity mahtame hatedleadership will empathy will
geneable in seni.
Fa Tamul Malnal Hatta le Genablein Seni Swallow and can it minal
Haget Loti forgidan kuta ritacould foract hat report.

(30:00):
Tamil study Tamil familika litkalik tehtani who what el
charitable activity I will Iwill haggat is that the same
thing is that the same forhobikal no we can dibaht hobbi

(30:22):
lakha or com.

(31:21):
Oh shit, I know shaf hat yupsumbiam be trees in here.

SPEAKER_01 (31:29):
Yes.

SPEAKER_00 (32:25):
So if you're not going to be able to lotifal
background attack, you can't geta lot of people.

SPEAKER_02 (34:05):
And I've leadership is respect.
Leadership is seeing the personin front of you.

(34:32):
Mental check-in is thank you forasking.
Mental check-in is an aviationterm.

(36:11):
Where it Where it's Udemek inSaniyitu, Yishilek.
Mal Udemek.
Wallahi Ahmad Sadbina Ba'adinAktimathu Demek and Alfanho big
di balay.

(37:18):
In a mjamon Lena Baulu wholeinto smatter.
Il Alfaz Lena Basadama Munkinbezbelic with a targem
hagatanya.
Munkin il an ashanan, thecertain saqah, won't undertak,
you have certain mental feletter for the merch but not e

(37:41):
calam wayan.
Munkan e calam they couldn'ttrigger lehaga or glimmer
lehaga.
Ubarafakala fee fifak.
I I look I want to see you, andI shofuckabena.

(38:03):
Upsaraha but the value systemand uh accepting a sack.

SPEAKER_00 (39:07):
Human capital insane.