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0:43 Brail TV Wabarakatuh, may the peace, 1:06 mercy, and blessings of Allah be upon 1:09 you, and may Allah grant peace and 1:11 blessings to Prophet Muhammad and his 1:13 family. We meet again today, Thursday, 1:16 20 Dhu al-Hijjah 1445 Hijriah, or June 1:18 27, 2024. We meet again in Muslim 1:22 Entrepreneur. This show is usually 1:24 hosted by Ms. Noning. But Ms. Noning is 1:26 currently in Malaysia. So, I'm filling 1:29 in for her, okay? With Ustadz Valentino 1:34 Dinsi, author of the book "Don't Settle 1:37 for Being a Salaryman for Life." Don't 1:41 settle for being a salaryman for life. 1:43 Now, if there's anyone, uh, 1:45 Assalamu'alaikum, Ustadz Valentino. 1:46 Wa'alaikumussalam warahmatullahi 1:47 wabarakatuh. 1:48 If there are people looking for this 1:49 book, is it available? Don't settle for 1:51 being a salaryman for life. 1:52 It's out of stock everywhere. But for 1:53 those who want it, I still have the PDF 1:55 . 1:56 Oh. 1:56 Well, you can buy the PDF later. If you 1:59 want to print it, you can print it 2:00 yourself, but please don't sell it. Yes 2:02 . 2:02 But I'll give you the PDF. 2:04 Ready. Uh, it's ready to print. 2:06 Which number should they contact? 2:07 He, 2:08 what number? 2:09 Yes. 0813. Yeah. 2:11 1961 2:12 1961 2:15 8972. Does everyone already know? 0813 2:17 1961 8972. 2:20 8972. Yes. 0813 1961 89 72. This time, 2:31 we will take the title "Bob Sadino: How 2:33 to Become an Entrepreneur and Even a 2:35 Billionaire." 2:38 Yes, that's right, Mas Krisna. Wow, 2:40 that's a heavy title. 2:41 So, I intentionally brought this book, 2:43 "Don't Settle for Being a Salaryman for 2:45 Life." Because, uh, these days, this 2:50 book was actually published 19 years 2:54 ago. He. 2:56 But it's still relevant because Gen Z 2:58 and millennials don't know that a 3:00 crisis can happen at any time. And 3:03 yesterday, uh, a week ago, I was 3:05 shocked because I always check and 3:07 follow the developments of the 3:09 Indonesian economy, including the 3:11 exchange rate. Mas Kris. Now, 3:14 I am shocked by what is about to happen 3:16 because the dollar exchange rate is 3:17 already 16,490. Meaning, it's almost at 3:21 17,000. 3:22 We remember that at 17,000, the '98 3:24 crisis happened. 3:26 Hmm. 3:27 The question is, will a crisis happen 3:30 again or not? 3:31 Hmm. If it reaches 17,000, surely a 3:33 crisis will definitely happen again. 3:35 Now, the problem is, are we ready? 3:37 That's why in the book "Don't Settle 3:39 for Being a Salaryman for Life"—this 3:41 is the book here. "Don't Settle for 3:43 Being a Salaryman for Life," on page 3:45 three, I wrote a mantra. So this book 3:48 was published 19 years ago. I wrote a 3:50 mantra. No one has ever been able to 3:52 refute this mantra to this day. 3:54 What does that mantra say? It sounds 3:56 like this. 3:56 At some point, you will definitely lose 3:58 your job. 4:00 Whether it's because of retirement, 4:01 being fired, or the company you work 4:03 for goes bankrupt. So if a person 4:05 retires, their job is gone, 4:07 then if the company goes bankrupt, the 4:09 job is gone, or if they are fired, they 4:11 have no job anymore. I'll continue the 4:13 mantra: at some point, you will 4:14 definitely lose your job. Whether it's 4:17 because of retirement, being fired, or 4:18 the company you work for goes bankrupt? 4:20 My book invites you to think, think and 4:23 then act. and then act before that time 4:27 arrives; most people are only stressed 4:29 and confused about what to do once they 4:31 retire. When a company goes bankrupt, 4:34 they are stressed about what to do, and 4:36 that happened during the recent Covid- 4:38 19 pandemic or when they were laid off. 4:41 So, this book invites us to think and 4:43 then act before that time also arrives. 4:46 When I saw this, it was already 16,000; 4:49 I haven't checked again this morning, 4:52 maybe it's already 16,300, 300 more, uh 4:55 , 16,900. A few days ago, I said, "Oh 4:59 my, oh my, what is happening here? What 5:01 is happening? What is going on?" We 5:03 never know, but we have to be ready, 5:06 right? So, humans are the most adaptive 5:09 creatures. They must adapt and be 5:12 prepared to face whatever happens. That 5:16 is why I brought up this topic; I 5:19 suddenly remembered my late adoptive 5:21 father, Bob Sadino. 5:23 When I said, "Mas Krishna, I am Bob 5:25 Sadino's adoptive son." Some people 5:27 cynically said this, "Adoptive son from 5:28 where? What is the proof?" Yes. I said 5:30 there is indeed no proof because it was 5:32 just a conversation between me and Bob 5:34 Sadino. So the story is, viewers, two 5:37 weeks after my father passed away, I 5:39 was confused and stressed. Because Bob 5:42 Sadino was usually similar to my father 5:44 in terms of his characteristics. Bob 5:46 Sadino lived in the Netherlands for a 5:48 long time. My father's mother, Yohanna 5:50 Van Debur, was also German-Dutch. So, 5:52 they had similar attitudes. I said I 5:54 came to his house at 5:30 in the 5:56 morning, arriving at his house at 6:00. 5:58 in Lebak Bulus 2121 stopped by. Then we 6:02 walked in the morning; his house, 6:05 behind his house, if you know, his yard 6:07 in Lebak Bulus 2121 6:10 the backyard of his house had a horse 6:12 track. Oh, imagine, a horse track. We 6:15 walked around the horse track, feeding 6:17 the horses and feeding the goats. Then 6:20 we went up to the side veranda before 6:22 entering the house, we talked there 6:25 while having tea and eating cassava, 6:28 and I said, "Uncle, my father has 6:30 passed away. I have no one else to talk 6:33 to." For that reason, I respectfully 6:36 asked Uncle Bob Sadino to be my 6:38 adoptive father. Then he said, "Okay, 6:41 Valentino, anytime you want to come, 6:44 just come here." H. 6:46 So, that is why I said I became a son 6:49 to Uncle Bob Sadino because I indeed 6:52 asked him to be my father. So, since 6:54 then, I have been very close, yes. I 6:56 was very close to Bob Sadino. Often, my 6:59 wife and children would even visit Bob 7:01 Sadino's house during Eid. Yes, it was 7:03 already like their grandfather. Bob 7:04 Sadino was like my father. My wife also 7:07 considered his wife, the aunt, like 7:09 Sulasti, just like her own mother. We 7:13 were also close and familiar with his 7:16 children. Whenever Eid comes around, 7:18 I’d stop by and we’d often have 7:21 heart-to-hearts. I often opened up to 7:23 him, I loved it, and I knew Bob 7:24 Sadino’s style by heart. If Bob 7:27 Sadino suddenly called me in the 7:28 morning or during the day, he’d say, 7:30 "Hello Valentino, your Uncle is sick." 7:33 That’s how he would talk, right? So, 7:35 my intonation was, "Valentino, your 7:37 Uncle is sick." 7:38 Hm. 7:39 I knew when he called like that, he was 7:42 missing me. 7:42 Hm. 7:43 Why would he miss me? Because not many 7:45 people dared to challenge him. 7:46 Hm. 7:47 I would challenge him. Why? People were 7:50 usually intimidated by Bob Sadino. He 7:52 was a billionaire, elderly, a senior, 7:53 and fierce too, right? 7:55 But as for me, I’d just tackle him 7:56 head-on. Have you ever heard Bob Sadino 7:58 say this? If you want to be an 8:02 entrepreneur, you don’t need goals, 8:03 you don’t need plans, you don’t 8:05 need dreams. No goals, no plans, no 8:08 aspirations. Those were Bob S.’s 8:10 words. Ever heard that? 8:11 Yes. 8:11 You have, right? So, being an 8:14 entrepreneur doesn’t require goals, 8:16 plans, or aspirations. 8:17 That’s what Bob Sadino said. And the 8:19 crazy thing is, you actually followed 8:20 that advice. 8:21 H 8:21 As a result, your business was ruined. 8:25 He didn’t have goals, didn’t have 8:26 plans, didn’t have aspirations, 8:28 didn’t have targets, right? As his 8:29 adopted son, I was close to him, 8:32 and I fought with him. I remember one 8:35 time I took Uncle Bob Sadino to Medan 8:37 to inaugurate my branch office there, 8:40 which I brought from the Philippines, 8:42 called "Let’s Go Leading Entrepreneur 8:45 towards Sensing Global Opportunity"— 8:47 Uncle Bob Sadino was the one who 8:49 inaugurated it. I said, "Uncle, that 8:53 talk of yours about business not 8:55 needing goals, plans, or aspirations is 8:58 misleading." That’s what I told him. 9:01 And do you know what Bob Sadino’s 9:02 answer was? Bob Sadino said this, " 9:04 Valentino, I’m the owner. Why would I 9:08 need to make goals, plans, and 9:10 aspirations?" My managers are the ones 9:12 who make them. Are you following me, 9:14 viewers, do you get what I’m saying? 9:16 Yes. No need for goals, plans, or 9:19 aspirations as an owner, but he has 9:21 managers, directors, and a management 9:23 team, so just leave it to them. So, are 9:26 goals, plans, and aspirations still 9:28 necessary? They are still necessary. If 9:29 you want a long life, sustainability, 9:32 if you want to go bankrupt, just follow 9:34 that misguided thinking. So, we’re 9:37 talking this morning about being an 9:41 entrepreneur, what was it? 9:45 The Sadino model. The craziness was 9:47 like that. "An entrepreneur doesn't 9:50 need goals, plans, or aspirations." Let 9:53 me clarify that first. Those were Bob 9:55 Sadino's words when he saw himself as a 9:58 business owner, as a proprietor. Yes, 10:01 so don't get it wrong, listeners. 10:03 That’s the talk of an owner, that’s 10:05 business owner talk. If your business 10:08 is as big as Bob Sad’s, as big as Kem 10:10 Chicks, then you can say that. Because 10:12 what did he say? Valentino, we can no 10:14 longer motivate Indonesians. We must 10:16 terrorize them. So that was a statement 10:19 intended to terrorize. And we both go 10:21 everywhere terrorizing people's minds, 10:22 because we really have to. Ah, you get 10:24 what I mean, right? So Bob's words were 10:27 meant to terrorize our minds so we’d 10:28 be shocked, wake up, and open our eyes, 10:30 but not for you to follow blindly. If 10:33 you follow it, you’ll end up on the 10:34 wrong path. Now, Bob Sad had a model. 10:40 I’m a modeling person, you know. 10:41 I’m a PPM graduate. My thesis advisor 10:45 back then was also a director at PPM, 10:47 the chairman of IKAPI. Wait, let me try 10:51 to remember his name. Wiraatmadja, 10:55 something like that. Makfudin 10:57 Wiraatmadja. But it was on Jalan Kali 10:59 Pasir. 10:59 Yes. Yeah. He taught me models. So Bob 11:02 Sad created a business model. Listen up 11:05 , viewers, who want to know how to 11:07 start a business. An easy way to start 11:09 a business. At first, it’s a wheel; 11:13 he drew a circle, then divided it into 11:16 six, like six slices of a pie. 11:21 He started the first part. When we 11:23 start a business, at first we don't 11:24 know anything, right? We want to do 11:26 business, but we don't know how. At 11:28 first, whether you want to do culinary, 11:31 fashion, trading, or whatever, at first 11:34 we don't know. Then we find out. From 11:38 not knowing, the second step is knowing 11:41 , right? Knowing, searching, searching, 11:42 searching, learning, learning, learning 11:43 , specialized, specialized, specialized 11:44 . Then you know. The second part is 11:47 becoming knowledgeable. After knowing, 11:49 do it, do it, do it, do it repeatedly, 11:51 until you become capable. You might 11:54 know, but not yet be capable, but 11:56 eventually you become capable. Not 11:57 knowing becomes knowing, then becomes 11:59 capable. After being capable, capable, 12:03 capable, then you become, uh, skilled, 12:06 yes, you become skilled. Because of 12:09 practice, you become capable, because 12:11 of habit. Becoming skilled. So when we 12:13 are skilled, we can do it easily. Yeah, 12:17 we used to not understand how to make a 12:19 pattern. Because my mother was a tailor 12:22 , I understood: wake up, put the fabric 12:24 down, trace the pattern, cut, cut, cut, 12:27 follow the pattern, and eventually you 12:29 become capable. So from not knowing to 12:31 knowing, to being capable, then 12:33 becoming skilled. The fourth and final 12:36 one, after being skilled, you keep 12:38 doing it, keep learning, keep trying, 12:40 keep practicing for years, over a 12:42 decade, and finally you become an 12:44 expert. Once you are an expert, forget 12:48 it about money, forget about money. 12:50 Money will chase after us. Why? Because 12:52 we have become an expert. 12:54 That's why, if I say Mas Krishna is an 12:55 expert, oh, in radio, just ask him. 12:56 That's why, right. So, because Mas 12:58 Krishna was at Prambors, Mas Krishna, 13:00 yes, he became an expert at making 13:01 radio just like this. Same if I ask 13:04 about the old days. If in the old days, 13:07 if I ask about a dozen years ago, name 13:10 an expert, uh, in haircuts, the most 13:12 expert one, surely we would say Rudi 13:15 Hadisuwarno. 13:18 Let's mention another. Name a person 13:20 who is very expert in cooking. 13:22 Hm. 13:23 Creating dishes appearing on TV, the 13:24 most famous, we would also mention Rudi 13:26 . 13:27 Rudi. 13:27 Rudi Khairudin. 13:28 Rudi Khairudin. 13:29 Then, oh, mothers making cakes. 13:32 Making cakes. Who is the expert? It 13:35 will surely come out. H. 13:36 If we ask young people now, "Hey, who 13:38 is a beautiful, sexy, multitalented 13:41 artist?" Yeah, don't imagine the sexy 13:43 part, okay. Multitalented, we would say 13:46 Agnes Monika. 13:47 Heh. 13:48 So she has become an expert in her 13:50 field and once she is an expert in her 13:52 field, money comes on its own. So that 13:55 is the measure of the business wheel of 13:58 BB Sidin. Remember, yes, from not 14:00 knowing to knowing, knowing to being 14:02 able, being able to being skilled, 14:04 skilled to being an expert. Now, move 14:07 from there. Now, in this book, the book 14:11 "Don't Just Want to Be a Wage Earner," 14:14 there is a Chinese proverb, Chinese 14:17 characters that if read in Indonesian 14:19 we call it Wei Ji. Wei Ji. "Wei" means 14:23 threat, disaster, catastrophe, problem. 14:27 So this dollar is 16,490. Yesterday, 14:31 but I am sure it will break through to 14:33 maybe 16,500, it looks like it will 14:35 break through. Why? Remember, this is 14:37 June, yes, July, August, September, 14:39 October, November, December. This year 14:41 our debt interest maturity must be paid 14:44 , that's 800 trillion. The debt of the 14:47 Republic of Indonesia, this government 14:48 debt, 800 trillion, just the interest, 14:50 just the interest. 14:51 Yesterday, I was surprised to see 14:54 16,490. Dollar, one per dollar was 14:58 16,490, two days before I saw it was 15:00 still 16,200, 200 something? So it 15:03 strengthened a little from 600 to 300, 15:05 600 then to 200, wow it dropped. 15:08 Because of what? It turned out to be 15:09 government intervention, Bank Indonesia 15:11 intervention. So our monetary and 15:13 fiscal policy is already broken, our 15:15 state budget is broken, suddenly they 15:17 want to hold it but it's not strong 15:19 enough, boom, the dollar is 16,490. I 15:23 don't know today, let's see, maybe my 15:25 thought, my feeling is 16, 16,300 15:28 something, yes, around 16,300. 15:30 Not 16,400 now. 15:31 I don't know, maybe 16,400, so it means 15:33 it has gone up again, yesterday it was 15:35 300 something, it went up again. So it 15:37 really cannot be held back. There will 15:39 be a crisis, there will be a crisis. 15:41 But don't worry everyone, in the midst 15:44 of those problems, in the middle of 15:46 those "treat" problem disasters, there 15:48 is an opportunity. 15:50 Huh. 15:51 So there is always an opportunity in 15:53 the middle of problems. And why did I 15:55 bring up this topic, the easy way to 15:57 become an entrepreneur like Bob Sadino? 16:00 Because, as it turns out, you just have 16:01 to follow the process. Start now, this 16:03 is a good time to begin. It is the 16:06 right time. Earlier I said that an 16:09 entrepreneur is someone who never wants 16:11 to, or should not, stop. They must 16:13 always be learning. Learning, learning 16:16 before earning. You have to be willing 16:18 to learn first. Learning, learning, and 16:21 then earn. Only then can you eat, can 16:23 you enjoy the results. So, an 16:25 entrepreneur is someone who always 16:26 wants to learn. Like me now, I am 16:28 forced to learn what is called 16:30 artificial intelligence. I am capable 16:33 of talking about AI. Why? Because I 16:35 follow the developments. Then I also 16:37 learn about ChatGPT. In the past, 16:40 writing a book was death, at the 16:41 fastest it would take me a week to 16:43 write a book. I have written 24 books, 16:45 and if I wanted to write now, it 16:47 wouldn't take a week, or at most it 16:49 used to take me 6 months. Now, if I 16:51 want to write, I can make 50 books in a 16:54 day. Master Krista uses ChatGPT. 16:56 You just have to enter the prompt. Now, 16:58 young people today might not understand 16:59 "prompts." But I think those who are 17:02 active in the AI field know about 17:04 prompts. In our day, we had... 17:06 C.2. Well, that's what a prompt is. 17:09 That is a prompt, we type in the 17:11 command, right? Now, it's even crazier, 17:13 you just have to input it. I am 17:15 currently writing a book about mosque 17:18 economics. Give me 10 main points about 17:22 mosques. Enter, truth. In 3 or 4 17:26 seconds, the mosque points appear. I 17:30 need 50, so 20 topics appear, then we 17:34 type in the next prompt, "Based on the 17:38 theme of building based on location, 17:43 give me, create for me 50 articles on 17:47 that," enter, and in 10 seconds 50 17:51 articles appear, so 20*50 is 1000. 17:56 We can create 1000 articles in about 17:59 half an hour. That is the power of 18:01 ChatGPT. So, besides having to keep up 18:03 with developments, we must be flexible 18:05 and adaptive. So I learn about AI, how 18:09 extraordinary AI is. Then we learn 18:12 about ChatGPT. Moving forward, when all 18:15 these things are everywhere, sorry, 18:17 some places don't accept cash anymore, 18:19 right? That's already talking about 18:23 currency, a type of digital currency. 18:26 We talk about crypto, we talk about 18:29 blockchain. Now, as entrepreneurs, we 18:33 must keep up with those developments so 18:35 we don't get left behind. Bob Sadino 18:39 stops there. Five stages: from not 18:42 knowing to knowing, knowing to being 18:44 able, being able to being skilled, and 18:45 skilled to being an expert. Yes, now 18:47 let's go into it a bit. He once told me 18:50 , "Valentino, I'm happy," he always 18:53 spoke to me like that. 18:55 Valentino. 18:57 That’s just how he speaks Indonesian. 18:59 Because I hung out with him, so what? " 19:01 Valentino, remember, Valentino.""If you 19:04 want to be successful in business, 19:05 remember these three things." First, he 19:08 said, "Be the first." Be the first. 19:12 People who are the first always have a 19:16 higher chance of success. Aqua was the 19:19 first. 19:21 Teh Botol was the first. 19:24 Then came Ades, mountain water, and all 19:26 sorts of others; they couldn't make it. 19:28 They remained number two. Indomie was 19:31 the first. Then came the competitors. 19:34 What appeared? Mie Sedaap, did it 19:35 appear or not? Still, the first one has 19:37 a greater chance of success. Be the 19:39 first. So remember, if you want success 19:42 , the secret in business is to be the 19:44 first. Just think about it. Yes. " 19:48 Everything already exists, Ustaz, so 19:49 just add or subtract." Add or subtract. 19:52 Remember jeans were first made in 19:54 America, right? 19:55 Then suddenly someone thought, "Hey, 19:58 what if we rip the knees?" 20:00 Yeah. 20:00 Right? That's just subtracting, right? 20:02 Yeah. Or remember, jeans used to just 20:05 be blue, then they added flower 20:07 embroidery on the thighs. 20:09 Adding something like that. So becoming 20:12 something doesn't mean it’s really 20:14 new; it can be done by adding or 20:16 subtracting. So first is "be the first, 20:19 " the second is "be the best," be the 20:21 best. "Oh, Ustaz, everything already 20:24 exists, there's nothing left." Use your 20:27 head. Do you remember, let me give you 20:29 an example, back then Aqua was on the 20:31 table. 20:31 600ml was 2,500, still is. 20:34 Then someone thought, "Be the best," 20:36 how can we be better than Aqua? They 20:38 made the bottle out of glass, colored 20:40 green. 20:42 Its name. 20:43 Remember, we know it still exists. 20:46 But that bottle, that glass contained 20:48 the same plain water as Aqua. But the 20:50 bottle, the glass, was a glass bottle. 20:53 It was green and attractive. It wasn't 20:57 in small stalls; it was on ministers ' 20:59 tables in cabinet meetings, on 21:01 officials' tables, so it became "the 21:03 best." How much did it cost? 25,000 21:05 Rupiah. One was 2,500, that one was 21:07 25,000, ten times more. That’s called 21:10 added value. So when they added that 21:13 value, people bought it. Why? Pride, 21:16 prestige; people think, "Ah, plastic 21:18 bottles, crinkle, crinkle, that's ugly. 21:21 " But it was sold in a glass bottle. It 21:24 was green. Equil, it still exists, 21:26 please look it up or Google it, Equil, 21:28 then inside is plain water. It's just 21:30 plain water, the exact same water, 21:31 right? Maybe they put Aqua in the 21:34 bottle, or maybe tap water, who knows, 21:36 because it’s perception. People buy 21:39 by the perception, people give it value 21:41 . Third, be the best. Well, people then 21:45 started creating all sorts of things, 21:47 like MLMs. There are even MLMs with a 21:49 bottle for 25,000, ma'am, they exist, 21:50 no need to name them, I don't recall 21:51 the brands, there are many. But that is 21:53 how you become the best in the category 21:55 . In its category, Ustaz, there’s 21:58 already the first one, there’s the 22:00 best one. We can't do it anymore 22:02 because we've run out of ideas. Why? 22:03 You're just too lazy to think. If you 22:05 think, make the third one: be different 22:08 . Be something different. Remember, 22:12 Aqua is plain water, Equil is plain 22:14 water. Can't you make something that's 22:16 also water but not plain water? 22:18 Hm. It’s already there, right? 22:19 There's already the first, there's 22:21 already the best, so be different. So 22:23 people thought to make a bottle 22:25 that’s a bit smaller, but not like an 22:27 Aqua bottle that crinkles; a hard 22:29 bottle you can't squeeze. The contents 22:31 are orange-colored. 22:33 Added with bits of orange. 22:35 Called PPI Orange. 22:38 Different, that's my question. Aqua, to 22:40 this day, remains the king; Golden 22:42 Mississippi dominates the drinking 22:44 water market. Then Equil. Equil has 22:48 firmly established its niche. But the 22:50 one called PPY Orange, it just exploded 22:52 in its time. Why? It’s very different 22:54 . So be the first, be the best, or be 22:57 the most different—those are the 22:59 three ways. That is competitive 23:02 advantage. You can start a business, 23:05 start it immediately, and the key is 23:07 one thing: don't delay. Most people 23:10 listen to this too much, attend too 23:12 many seminars, read too much, yet never 23:14 start. A good business is a business 23:16 that is... 23:17 executed. 23:18 Started. Executed and started. A bad 23:20 business is one that is, well, any 23:22 business that is started, immediately 23:24 started. Don't just keep asking 23:26 questions. So, that's the explanation, 23:30 right? 23:31 That was only one point. 23:32 Oh, just one? Now, quickly, those were 23:34 the ways to become an entrepreneur 23:37 according to Bob Sadino. 23:38 Now, let's get into the title: easy 23:41 ways to become an entrepreneur or even 23:44 a trillionaire. Now, about this 23:47 trillionaire thing, some time ago I 23:48 heard about a young guy. 23:50 H 23:51 He's 23 years old. His business, his 23:54 money—not the business, the money— 23:56 is in the trillions. So people say to 23:58 me, "Wow, he's a trillionaire." 24:00 Yesterday, a friend of mine, I won't 24:02 name the brand, let's say. A neighbor, 24:05 he uses that money transfer service, 24:07 you know, the one that goes back and 24:10 forth, Flip, right? My friend told me, 24:14 "Yeah, that friend of ours, his startup 24:16 is worth 4 trillion." 24:19 What was the name of the company again? 24:22 I said, "That, Ustaz, is called 24:25 valuation, how much it’s valued at." 24:28 4 trillion. Where does that 4 come from 24:30 ? How do they value the monthly 24:33 transaction volume? Let's say I have a 24:36 transaction, I have a company, A, and 24:39 my monthly transaction is 100 billion. 24:41 He. 24:42 So, what is my company's value? Times 7 24:44 or times 10? 24:45 If it's times 10, that's 4 trillion. So 24:47 the valuation is 4 trillion, not that I 24:50 have 4 trillion in cash. 24:52 Hm. 24:53 Now, this young person, they actually 24:55 have trillions in cash. So, we are 24:58 learning how to become a trillionaire. 25:00 First, he says there are five things. 25:02 I'll go through them quickly. First, if 25:03 we want to be a trillionaire, we must 25:05 start. So a good business is one that 25:08 is started. 25:09 So start immediately; amid a looming 25:12 crisis is a good time to start. There 25:15 is no harm in starting over like I did. 25:18 If I wanted to make excuses, I have 25:20 plenty. Wow, I've had heart surgery, my 25:22 money is gone, my business is gone, I'm 25:24 over 50, I have grandchildren; I could 25:27 make 1,000 excuses not to start. I 25:29 could make 1,000 excuses to give up. 25:31 H 25:32 but no, the people who succeed are the 25:34 ones who never give up. That's why when 25:36 I sign a book, maybe for those who have 25:38 the book "Don't Just Settle for Being 25:40 Average" or my other books, my 25:42 signature always says one thing: never 25:44 ever give up. Never ever give up. So 25:47 starting again is fine, starting 25:49 something new is okay. Start by 25:51 learning AI chat, learning with ChatGPT 25:54 , learning blockchain, learning crypto, 25:56 there is no harm in it. The first is 26:00 starting, the second is searching. 26:04 Search the industry, right? Then, can 26:08 what we start change, disrupt, or shake 26:11 up the industry? For example, when 26:15 people used to own hotels, now those 26:18 hotels are all dying. Why? Because of 26:21 the existence of Airbnb. People can 26:25 book accommodations. I want to go to, 26:28 say, France, I don't need to look for a 26:30 hotel in France. I look for the 26:32 cheapest accommodation, say, costing 26:34 only 10 dollars a day. 26:37 I just look on Airbnb. I get the 26:39 lodging, like when I went to Korea or 26:41 Japan recently, we just look, or like 26:43 when I went to Jogja recently, why 26:44 would I stay in a hotel? What did I 26:46 stay in? I stayed in a capsule. 26:48 H 26:48 The important thing is, where did I 26:50 stay? I stayed in the most famous spot 26:51 in Jogja, Malioboro. 26:53 Heh. 26:53 If a hotel costs 2,000,000, you're 26:55 still just sleeping with your eyes 26:56 closed, right? Right? I walk around and 27:01 go around, then arrive at my lodging at 27:04 12. At night, at that hour. I sleep 27:06 until dawn and wake up after 3 hours. 27:07 Heh. 27:08 Sleeping in a capsule costs, what, 27:11 110,000? Heh. 27:13 The sleep is comfortable, the capsule 27:14 is clean, and the bathrooms are clean. 27:16 Even if one bathroom is shared by six 27:19 people, well, they have two bathrooms, 27:21 right? So, we stay in a capsule for 27:24 only 190,000, and then we just walk to 27:26 eat since it's in Malioboro, right? Heh 27:28 . 27:30 So, when Airbnb appeared and disrupted, 27:32 everything was destroyed. It's the same 27:35 when people transfer money and get 27:38 charged 6,000 or 6,500; suddenly 27:40 someone makes an app called Flip, and 27:42 transfers don't need fees. Suddenly all 27:45 banks are reducing the number of their 27:48 employees. So the second point is 27:50 finding, and this is actually what we 27:52 call differentiation. That’s it. Then 27:54 the third is execution. No matter how 27:59 good an idea or concept is, it’s just 28:01 a thought. So it must be executed, 28:05 worked on, and put into motion. For 28:08 example, Timothy mentioned McDonald's. 28:11 McDonald's wasn't the best when Ray 28:14 Kroc took it over. Ray Kroc was just a 28:16 salesman. He bought McDonald's, then 28:19 what did he do? He created price 28:21 standardization. Uh, if we eat at any 28:25 McDonald's, the price is the same 28:27 worldwide. He created standardization 28:29 and a system. Basically, if you order 28:31 at McDonald's, it must be ready in 3 28:33 minutes. T 28:34 That is standardization. Then, uh, he 28:37 marketed like crazy, really intense 28:39 marketing. So, extraordinary execution. 28:43 That's the third one. The fourth is 28:44 team delegation. My mistake all this 28:47 time was trying to be the most expert, 28:49 trying to be the one who knows 28:51 everything, trying to be the one who 28:52 can do everything myself. We think of 28:55 it, we do it, we sell it. So when we 28:57 don't have the ability to delegate, 29:00 it's dangerous. And finally, the fifth 29:03 is preserving wealth. How many people 29:05 have money and businesses that are 29:07 thriving, but when asked, "How much 29:08 money do you have?""There's no money 29:09 left." Why can't they save? 29:11 Yes, they can't manage their money. So 29:13 one of the skills we must understand is 29:16 how to manage the money. How to manage 29:18 not just the business, but also the 29:20 money. From that, this young man 29:23 Timothy, at 23 years old, is already a 29:27 billionaire. 29:28 He's Indonesian. 29:29 Yes, he's Indonesian. 29:30 Chinese-Indonesian. Chinese-Indonesian. 29:32 Uh, we learn, I don't wait even though 29:35 my age, even if you double his age, he 29:37 is still younger than me. But a 29:40 successful person is one who wants to 29:42 learn. 29:42 Yeah. Never ending. Learning is a 29:45 never-ending process. 29:46 Learning is a process that never stops. 29:49 Learn from anyone; learn from the old, 29:52 learn from the young. As the Arabic 29:54 proverb says, "Al-hikmatul mukmin anna 29:56 wajada fahuwal ahaqqu biha.""Wisdom, 29:58 that knowledge is a believer's lost 30:00 property; wherever he finds it, he is 30:02 the most entitled to take it." Even 30:05 from a Chinese-Indonesian like Timothy, 30:07 aged 23, who even if you double his age 30:09 , he's still younger than me. But we 30:12 want to learn, including learning from 30:13 elders. 30:15 Bob Sadino, who was elderly and has 30:17 since passed away, his wisdom is still 30:19 stuck in my brain. So let us recite the 30:22 Al-Fatihah for Bob Sadino. So, despite 30:25 all his flaws, I was truly proud, Mas 30:27 Krishna. I might be the only person who 30:29 succeeded in bringing him to pray 30:31 in congregation. "Uncle, let's pray 30:33 first." You've never seen Bob Sadino 30:35 wearing a sarong, right? I’ve dressed 30:36 him in a sarong 30:38 at his house. 30:39 Downstairs at his house. We prayed 30:40 downstairs in congregation, me and Bob 30:42 Sadino, 30:43 just the two of us, wearing sarongs, 30:45 praying downstairs. Ah, that’s my 30:48 pride, you know. So, one time, this is 30:52 my closing, I said this to Bob Sadino, 30:55 and also to the late Muryati Sudibyo. I 30:59 was her personal consultant, you know. 31:01 Don't ask me how I became a personal 31:03 consultant. Yeah, I became her 31:05 consultant. Every Wednesday I went to 31:07 her house, teaching Mrs. Muryati 31:08 Sudibyo, the owner of Mustika Ratu. Yes 31:10 , I always say this to older people, 31:12 including Chairul Tanjung and Sandiaga 31:14 Uno. Because I am a preacher, I preach 31:17 to them. I said, "Uncle Bob, Valentino. 31:19 ""Uncle has everything, only three 31:23 things""you don't have yet.""What are 31:26 those?" Yes, I said, first, well, three 31:30 or two, basically something like that. 31:36 "What is it, Valentino?" That’s how 31:38 you talk to smart people, to older 31:41 people, you trigger their curiosity. " 31:44 Uncle Bob is already rich, famous, a 31:47 prominent figure, and getting old too," 31:50 I said. He would just laugh when I 31:52 talked. I was talking like his own 31:53 child, you know. "You have everything 31:55 except for two things.""Oh, two? Only 31:58 two?""Yes, Valentino, the first one is 32:00 sharing, Uncle.""Sharing knowledge, 32:03 sharing wealth, God willing, it will be 32:04 a blessing.""Oh, sure, Valentino, the 32:06 Zakat is already handled, our knowledge 32:09 is everywhere, you and I have spread 32:11 those thoughts everywhere, we’ve 32:14 shared it, God willing, that's covered. 32:16 ""What's the other one?" Well. "What's 32:19 the other one?""This is the other one, 32:21 Uncle.""But Uncle, don't get mad at me, 32:23 okay?""No.""Why would I be mad?""No."" 32:26 Promise me first you won't get mad.""No 32:28 , I won't get mad.""I’m speaking as 32:30 your child here.""I’m speaking to 32:31 Uncle as a child.""One more thing, 32:34 Uncle.""Uncle just needs to pray.""Huh. 32:36 ""If you pray, Uncle, I said, later God 32:39 will take your soul.""Taken by God."" 32:42 Gently""by God.""Your soul is taken."" 32:46 Placed in paradise.""Just like that." 32:48 He just went like this, stunned, tears 32:50 welling up. 32:51 Masyaallah. 32:52 See, right? A preacher. Huh. 32:54 Yes, whoever I meet, my function is " 32:55 nahnu du'at qabla kulli syai"(we are 32:56 preachers before anything else). We are 32:58 preachers before any other profession; 33:00 we are broadcasting, but not just 33:02 regular broadcasting. So that’s what 33:05 I said, you just need to pray, if you 33:06 pray, God willing—because I knew he 33:08 didn't pray. To Mrs. Muryati Sudibyo, I 33:11 said the same thing, it hit her, you 33:13 know, I was being cheeky. So I built 33:15 her curiosity, then I was cheeky. "If 33:18 you pray, Ma'am, later God will take 33:20 your soul gently and place it in 33:22 paradise." Just like that, she was 33:25 stunned. Because, yes, not many people 33:28 have the courage, you know. Yes. Yes. 33:32 As a preacher, what matters is that I 33:34 speak politely, treating him like our 33:36 elder, like our father. But that’s 33:40 just how it is. That concludes our 33:41 broadcast for this morning. We learn 33:44 inspiration from the older generation 33:47 and also from the youth. Hopefully, 33:49 this can be of benefit. Oh, one more 33:51 thing, the book "Don't Be a Wage Slave 33:54 for Life" is no longer in print. It was 33:56 really thick, you know. It reached 33:59 roughly 300,000 copies, 34:02 read by more than 2 million people. 34:05 Perhaps millennials, Gen Z, or friends 34:07 who read this book over a decade ago 34:10 and lost it, want to have it again. I 34:12 apologize, the book is no longer 34:13 available. But I can provide the PDF 34:16 version, which you can read anytime, or 34:19 print out page by page to read. Uh. We 34:24 aren't selling the books; we ask that 34:26 you just make a donation. Donate 34:30 whatever amount you like; you can make 34:33 your donation on my platform, 34:36 bummpeduli.id, at www.bummpeduli.id. 34:39 There are several programs there, as 34:42 well as the BUMM profile, and you can 34:46 also donate for mosque caretaker Umrah 34:49 programs. There is also a circumcision 34:53 program for children of mosque 34:54 caretakers and children of online 34:56 motorcycle taxi drivers. You can donate 34:59 there to the BUMM Peduli Masjid 35:02 Indonesia Foundation. So, it’s not to 35:04 Valentino. It’s a donation to the 35:07 BUMM Peduli Masjid Indonesia Foundation 35:10 . Please open bummpeduli. Then feel 35:15 free to donate to any program listed 35:17 there. After that, send your transfer 35:21 receipt to my number, 0813 1961 8972. 35:28 Once there is proof of transfer, it 35:29 means you have donated to BUMM, the 35:31 Mosque-Owned Enterprise. Later, I will 35:34 send you the PDF for you to own. Oh, 35:37 one more thing, I’ll just give you 35:38 two. That was the book "Don't Be a Wage 35:40 Slave for Life." I’ll give you two 35:42 instead. The other one is titled " 35:44 Millennials Rich and Overflowing with 35:46 Fortune." This is specifically for 35:49 millennials and Gen Z. If your parents 35:51 previously owned "Don't Be a Wage Slave 35:54 for Life," now the children need to 35:56 read "Millennials Rich and Overflowing 35:58 with Fortune." And remember, this is 36:01 the end of the year; our national debt 36:04 is 800 trillion that must be paid, and 36:07 I can assure you that this country is 36:10 heading toward a crisis and is not 36:13 doing okay. I don’t know if fuel 36:16 prices will rise again, but that will 36:17 certainly happen. But people who are 36:20 adaptive, people who are prepared— 36:22 it’s like if we know we are about to 36:24 be punched, like if Mas Krishna wants 36:26 to punch me. "Ustaz, I’m going to 36:29 punch your stomach, okay?""Wait, wait, 36:31 wait, let me brace myself." Getting 36:32 punched won't hurt as much. But if 36:34 someone is suddenly punched without 36:36 preparation, they could collapse. So, 36:38 more or less, the book "Don't Be a Wage 36:40 Slave for Life" or our discussion this 36:42 morning is about inviting you to think 36:44 and then act before that time arrives. 36:47 I am Valentino. Peace be upon you, and 36:48 Allah's mercy and blessings. 36:50 Okay, those who want to ask questions, 36:52 we are waiting at 0811 999 720. I will 36:59 read out Ustaz Valentino's phone number 37:01 slowly later so you can write it down. 37:04 This one is from a servant of Allah. 37:06 Who is this? Why can't it be opened? Uh 37:12 , where was it? From Arif Utomo. Please 37:16 tell us, Ustaz Valentino, how did you 37:17 get to know Bob Sadino? How does the 37:20 story go, from Mr. Arif Utomo? 37:21 Yeah. I already told you that earlier. 37:24 So, this story goes back a bit. At one 37:27 point, my book was famous, reading 37:29 hundreds of thousands, published 37:31 300,000 copies, read by 2 million 37:34 people. Now, in Indonesia, there were 37:36 entrepreneur clubs. 37:37 Hmm. 37:38 Well, there was Tangan di Atas, there 37:40 was Purdi Candra, and I also started 37:43 one with some friends called...uh, what 37:45 was it? Upind, the Indonesian Franchise 37:47 Association. At that time, I owned a 37:49 franchise. At that time, I forgot my 37:51 friend's name, Budi Utoyo. Then Wahyu 37:54 Saidi, Khairus Salim, Kriona...we went 37:57 to Bob Sadino's house, invited to Bob 38:00 Sadino's house. So, Bob Sadino usually 38:04 gathered 30, 50 people at his house, it 38:07 would fit, he would explain things. 38:11 After he explained, we had a Q&A 38:12 session. Hmm. 38:13 There were many questions in the Q&A. I 38:16 also asked, but Valentino didn't ask 38:18 normal questions. I challenged Bob 38:20 Sadino's thinking. 38:21 Hmm. 38:22 Yeah, like I said earlier, he said that 38:24 . No need for goals, no need for plans, 38:25 no need for dreams. That was just his 38:28 public talk. But once we talked 38:29 one-on-one, we knew what he actually 38:31 meant. I kept challenging him until 38:34 lunch. Once lunch was finished, he 38:36 called, "Valentino, come here, sit here 38:38 ." Hmm. 38:39 Sit next to me. "Why, Om?""Give me your 38:43 phone number." 38:44 Hmm. 38:44 He asked for my phone number. 38:47 He wrote it down. "Yeah, Om, just call 38:50 me sometime," I said. Then he said, "I 38:54 like you, Valentino. I'm fond of 38:56 Valentino.""Why, Valentino, did you ask 38:58 correctly?""The others are just idiots. 39:01 " He spoke so bluntly, you know. "The 39:04 others are just idiots, just showing 39:07 off to suck up." While I, I challenged 39:10 him, I challenged Bob Sadino's thinking 39:11 . Hmm. 39:12 Yeah. Then he called, when I got home 39:14 he called, "Valentino, come to the 39:16 house tomorrow." To my house. 39:19 We talked privately there. So I became 39:22 close, we were intimate, meeting many 39:25 times, I went to his house often. Until 39:29 my father passed away, I asked him to 39:31 be my foster father. Why? I was already 39:33 close, I felt comfortable with him. He 39:35 liked me, and I liked him too. Uh, it 39:39 was Bob Sadino who asked first, not me. 39:41 Heh. 39:41 He was the one who called me, he 39:43 invited me to his house, and we talked. 39:44 Yes, since then I became close, 39:46 intimate, and I felt that I had become 39:48 Bob Sadino's foster son. I said, "Bob 39:50 Sadino had many foster children." 39:52 Hmm. 39:53 Yes, Naomi Susan, I remember the name, 39:55 Naomi Susan, if it's about discount 39:57 cards, Naomi was one of Bob Sadino's 39:58 adopted children. Then there is Dodi 40:03 Mawardi. Dodi Mawardi is a broadcaster, 40:06 right? Uh, Smart FM, right? 40:07 Yes. He was close to him. Why? Because 40:11 Dodi wrote Bob Sadino's book. Then 40:13 there is Marlock. Bang Marlock and Bob 40:16 Sadino, well, Marlock started an 40:17 analytical chemistry school near my 40:19 house. He brought Bob Sadino in as an 40:23 icon. So, there are many people who 40:25 were close to Bob Sadino. But I don't 40:28 think there was any spiritual or 40:30 intellectual closeness. I feel that I 40:33 am the only one with a spiritual and 40:34 intellectual closeness to him. Even 40:37 when he was, uh, on his deathbed in the 40:39 ICU, which hospital was it? If I'm not 40:43 mistaken, RSPP. I came, I don't know 40:45 how the story goes. Anyway, I was able 40:47 to enter the ICU room, I was able to be 40:49 right next to Bob Sadino, right? I 40:50 guided him in prayer, he heard it, and 40:53 as he was dying, he cried, tears came 40:55 out. Yes, I feel that my children also 40:59 felt close, my wife also felt close 41:01 because we really felt that the old man 41:04 was sincere. Sincerity, as Imam Syafi'i 41:09 said, is "ma fisur fisur." What comes 41:12 from the heart reaches the heart. "Ma 41:13 fit turur fit turur." What comes from 41:15 the brain, the head, reaches the head 41:16 as well. How I meet an older person, I 41:19 say it's easy to win an older person 41:20 over, if you meet them, kiss their hand 41:22 . Meet, kiss their hand, kiss their 41:24 hand, kiss, meet, kiss their hand, you 41:25 get their heart. If you get their heart 41:28 , you get the inheritance. No, no, I 41:30 didn't get any inheritance. But I know 41:32 how rich he was. I also know from the 41:35 late Mati Sudibo. 41:39 Oh, what did he say, Bob was rich, he 41:41 had hundreds of thousands of hectares 41:44 of palm oil plantations from Suharto. 41:47 Heh. 41:48 Mati Sudibo was the one who said that. 41:50 Yes. Because when Suharto came to his 41:53 house, he just wore shorts, right? That 41:55 really was his style. He only had one 41:57 type of shirt, checkered, and shorts. 42:00 That was his trademark. So that's the 42:02 history. Okay, now from who is this? 42:07 Assalamu'alaikum Ustaz Valentin. From 42:09 Ishak in Bekasi. 42:11 Ustaz, the first top business, but it's 42:14 MLM. CNI used to be top, but it's gone 42:18 now. That MLM is domestic. 42:21 The better one is PT Best. 42:25 Surely you know more about it. 42:26 I know. 42:27 What is your opinion? 42:28 I'm not interested in following MLM, 42:29 there's nothing I follow, they're all 42:31 just selling promises. 42:32 Hh. 42:32 Yes, I know who Best is, what they had 42:34 before, what business they had before 42:36 they had that, before they had anything 42:37 , they were all in the MLM business. 42:40 That Febrian. Febrian is from Bandung. 42:43 Hm. 42:43 Yes, including my friend Ucup, who is 42:46 also a fool. Yusuf Mansur. 42:49 Hm. 42:50 Paytren was offered to me first, you 42:53 know. 42:54 Heh. 42:55 Yes. Febrian offered it to me. I am a 42:59 business practitioner, and I am also a 43:02 thinker. I am a lecturer at the 43:03 University of Indonesia in the Faculty 43:04 of Economics. I always ask two 43:06 questions to investigate whether a 43:07 business is legitimate or not. First, 43:09 try to explain to me how the business 43:12 model works. For those asking, please 43:15 go ahead and look up what a business 43:17 model is. After the business model is 43:19 clear, I ask where your revenue stream 43:20 comes from. From there, we can see what 43:24 the business model is like and what the 43:26 revenue stream is like. Can we tell if 43:29 this business is a Ponzi scheme or not? 43:34 So, I saw that business wasn't doing 43:37 well, then it went to Korea and Japan, 43:41 exploded, and came back to Indonesia. 43:45 Yes, I am quite disappointed with that 43:47 one. I have a friend I helped, I even 43:48 bought 10 million rupiahs 'worth. 43:50 It wasn't managed; I gave 10 million 43:52 rupiahs. I bought that product I 43:54 mentioned earlier. The MLM disappeared, 43:56 the products just piled up, and it 43:57 wasn't managed. So sometimes, there are 44:00 friends who, once they get the money, 44:01 they just leave like that. But that is 44:04 a choice. I would say, "If you want to 44:06 buy that business, it's up to you." It 44:08 is a choice. The important thing is, 44:10 there is no right or wrong. But you 44:11 must know the consequences of your 44:13 choice. The important thing is that you 44:15 know the consequences of your choices. 44:17 It's not about what is most correct or 44:19 best. No. There is nothing right, there 44:21 is nothing best. The best business is a 44:23 profitable business. 44:24 Hmm. 44:25 As long as you are profitable, yes. But 44:26 don't praise it too much. We remember 44:29 that business, what was its name again? 44:33 Then the person disappeared and 44:35 reappeared in another form. Finally, 44:36 they appeared in this business. 44:38 Yes. 44:39 Are all MLMs bad, or are there good 44:42 MLMs? 44:43 Yes, there are Ponzi schemes; as long 44:45 as there is a product, if there is no 44:47 product, it is forbidden. Secondly, the 44:51 system. Does the system contain 44:53 elements of uncertainty (gharar) or not 44:54 ? If it's just promises, like back then 44:59 with all kinds of promises. Where does 45:02 the money come from in that business 45:04 model? Oh, it turns out the business is 45:07 from recruiting members. Most of the 45:09 money comes from recruiting members. 45:12 Well, those are the characteristics of 45:13 a Ponzi scheme. But if the business is 45:17 from selling products, even if it has 45:20 an MLM system added to it. It is still 45:23 forbidden because there are two 45:24 transactions. One transaction is buying 45:26 and selling, the other is the 45:27 transaction of recruiting. So, it is 45:30 not allowed in a single contract. What 45:32 becomes uncertain (gharar) and 45:34 forbidden is when it is in one contract 45:36 ; it is ruled as forbidden. I am not an 45:39 expert on Islamic economics. The expert 45:42 is Ustaz Erwandi Tarmidzi, but I think 45:45 he is too strict. I follow the school 45:47 of thought of another teacher of mine, 45:49 Dr. Oni Syahroni. He is my neighbor and 45:52 my teacher. He is the only person who 45:54 is an expert in comparative 45:55 jurisprudence (fiqh muqarin) in 45:56 Indonesia. There are only seven 45:58 comparative jurisprudence experts in 45:59 the world. The only one from Indonesia 46:02 is Dr. Oni Syahroni. He writes a column 46:04 in Republika, you know. And he is 46:06 indeed an expert in comparative 46:08 jurisprudence. Not just in muamalah 46:09 jurisprudence, mind you. His 46:10 jurisprudence is comparative 46:11 jurisprudence. 46:12 What exactly is comparative 46:13 jurisprudence? 46:13 It is more advanced than just muamalah 46:16 jurisprudence. 46:17 But I tell him, he is about 45 years 46:20 old or so. He is younger than me. I 46:22 like to say, "On, I sometimes call you 46:25 On, Ustaz Valentino, I'm annoyed with 46:28 you.""Oh, why, Ustaz?""It’s strange 46:32 when I ask you for a legal opinion,' 46:33 Ustaz, what is the ruling on this and 46:35 that case, how is it? '," He only 46:37 replies after how long? He answers a 46:40 week or two later, but the answer is 12 46:42 pages long. Oh, 46:45 citing these proofs and these scholars. 46:47 So the answer is very detailed, very 46:49 thorough, and the references are strong 46:52 because he is one of the world's seven 46:55 experts. So the references are strong. 46:57 Meanwhile, there’s another type of 46:59 cleric; people ask about something and 47:00 they just say, "It's haram," before 47:02 they even know the details, there are 47:03 those like that. 47:05 They haven't even finished speaking, 47:06 and they’ve already declared it haram 47:07 , I’m not like that, I’m not like 47:08 that. What I understand is that if 47:10 there are two contracts in one 47:12 transaction, that is where the 47:14 uncertainty lies. But that is up to 47:17 your choice. You can also see that 47:19 there are other things involved, and so 47:21 on. But I prefer to have one reliable 47:25 source. I rely on Ustaz Dr. Oni 47:28 Syahroni. He completed his bachelor's, 47:30 master's, and doctorate at Madinah 47:32 University. So this young man is 47:34 actually my neighbor, as it happens. So 47:37 after the dawn prayer, I just go to his 47:40 house. 47:41 It’s just that his answers take a 47:43 week or two to come out. 47:45 But we are satisfied because the 47:46 arguments and references are very 47:48 strong. 47:49 Okay, thank you to Mrs. Titis. Wow, she 47:52 immediately donated to Rasil. Thank you 47:53 , Mrs. Titis. Mrs. Titis donated to 47:56 Rasil. Then, Ustaz Valentino, what is 47:59 your opinion on the fact that there are 48:01 millions of unemployed Gen Z 48:03 individuals? Right? There are around 10 48:07 million Gen Z...Around 1 million, right 48:09 , who are unemployed? 48:10 The Gen Z generation who are unemployed 48:14 . I have reviewed that before, I forget 48:17 where. If I remember correctly, in my 48:22 reel, I discussed how Gen Z has many 48:25 unemployed people because our education 48:29 system causes that, and Gen Z is a 48:32 generation that wants everything to be 48:36 easy. So, there is nothing easy; 48:39 remember, there is always a process. 48:42 Remember the Bob Sadino business wheel 48:44 mentioned earlier; initially, we don't 48:46 know. So learn to find out. To master a 48:50 field, you need time to progress from 48:52 knowing to understanding. From 48:54 understanding to being able, from being 48:55 able to performing, and from performing 48:56 to becoming an expert. At the very 48:58 least, I once read a book, the 49:00 subsection title was the 10,000 Hours 49:03 Rule. So, the 10,000-hour rule. To 49:06 master one specific field, you need to 49:08 persevere in it for 10,000 hours. So if 49:13 I work 8 hours a day, say, 60 hours a 49:15 week, I need 10,000 hours, which equals 49:18 about 8 to 9 years. Focus on that field 49:22 . And once you reach the expert level, 49:25 I say, the "if" is expert, skilled, 49:30 forget about money, forget about money. 49:34 Money will follow you. Money will 49:36 follow us. Most of us are unemployed, 49:38 struggling, having nothing, why? 49:40 Because we lack skills or have skills 49:42 that aren't specific. We try to be 49:44 everything. So we end up doing nothing, 49:45 or that, or this. What business? " 49:47 Palugada"—anything you need, I have. 49:48 What do you want? I have it. 49:49 And I say one business that never gets 49:51 big is the Palugada business. Palugada, 49:53 remember the Bima movie, right? Well, 49:55 that's how big his mace was. So focus, 49:58 focus, focus. Okay, understood. Read 50:02 out Ustaz Valentino's phone number. 50:04 Prepare a pen and paper. Ready. Okay. 50:08 This is Ustaz Valentino's phone number. 50:11 The number is 0813. Ready. Then 19. 50:19 Then 61. Then 89. 7213. Then 19. 61. 50:33 Then 89. 72. Ustaz Valentino, thank you 50:39 . 50:40 You're welcome, Mas Krishna. 50:41 Okay, syukron, hopefully you continue 50:43 to be successful. Don't forget to write 50:45 another book. Write another book, okay. 50:47 Yes, I ask for your prayers. 50:50 The book "BUMM: Mosque-Owned Business 50:52 Entities" is published, but I took it 50:53 down again 50:55 because I suddenly got new information, 50:57 new knowledge. 50:58 Oh. 50:59 Got new inspiration. I had to revise it 51:01 . Pray that in 2 weeks or 1 month 51:04 it will be finished. 51:05 So, BUMM, the title is BUMM, 51:07 Mosque-Owned Business Entities. Is this 51:10 a guidebook for, eh, who is this book 51:13 for? It's specifically for mosque 51:14 management committees, mosque 51:15 administrators. And also for Muslim 51:19 NGOs, Islamic boarding schools, and 51:22 Muslim schools. So they need to have 51:26 the BUMM, Mosque-Owned Business 51:27 Entities book. Even though it's a 51:30 mosque-owned business, it's still a 51:31 business entity. Who should own a 51:34 business entity? A mosque, a boarding 51:37 school, a school, a Muslim NGO. So in 51:42 it, I provide inspirations, how the 51:45 simple question—the question is 51:48 actually very basic. Mas Krishna, I ask 51:52 , do you need money? 51:54 I do. 51:54 Need it for what? Food, drinks, water, 51:56 and everything else, right. Including 51:59 the question, do mosques, boarding 52:01 schools, schools, Muslim NGOs need 52:04 money? The answer is yes, but they 52:06 don't know how, right. Yeah. 52:08 Well, the BUMM book, Mosque-Owned 52:10 Business Entities, tries to answer how 52:13 mosques, boarding schools, Muslim 52:15 schools, and Muslim organizations can 52:18 generate money to finance their 52:20 operational needs. Okay, for those who 52:23 want to ask further questions, just 52:25 contact Ustaz Valentino Disi at 0813 19 52:32 61 8 72. Thank you Ustaz Valentino, we 52:41 will see you again later. 52:43 Okay, I am Muhammad Krishna Saputra and 52:46 Algi, signing off. Wabillahi taufik 52:48 walhidayah. Wasalamualaikum 52:49 warahmatullahi wabarakatuh. 
