Ayuni Syukur Talks

MOST PEOPLE WAIT UNTIL THEY CAN AFFORD TO QUIT THEIR JOB.

THEN THEY CHASE THE DREAM.

THE RICH DO IT IN THE EXACT OPPOSITE ORDER.

When I was at Xerox, I was scared.

I had bills. I had responsibilities. I had no safety net.

But I did not quit.

I kept that job. Showed up every day. Did the work.

And in my spare time — I was quietly building what would become a worldwide multi-million dollar business.

The paycheck removed the desperation.

And desperation is the enemy of good financial decisions.

Most people treat financial freedom like a jump.

You save enough. You psych yourself up. You leap from the left side of the quadrant to the right. Employee to entrepreneur. Security to freedom.

And most people who jump that way land badly.

Because they jumped broke. Scared. With no foundation underneath them.

Rich Dad taught me a different approach.

Don't quit your job to chase the dream.

Build the dream until it replaces the job.

Here is what that actually looks like.

You keep the E income exactly where it is. The steady paycheck. The benefits. The 1st and the 15th.

And in your spare time, you start something small on the right side.

Not a hobby. Not a side hustle you forget about in three months.

A real business. Even if it earns almost nothing at first.

Because the goal at the beginning is not profit.

The goal is education.

You are getting inside a completely different legal and financial framework.

- Building skills the E quadrant never teaches.
- Creating legitimate business deductions on expenses already coming out of your pocket.

And eventually — a portion of what that business earns goes into the I quadrant.

Real estate. Dividend-producing assets. Something that generates cash flow while you sleep.

The E income funds your life.

The B income builds your skills.

The I income grows quietly. Compounding. Working while you sleep.

---

Rich Dad said:
"The only difference between a rich person and a poor person is what they do in their spare time."

Your friends are watching television on a Tuesday night.

You are studying a lease. Reading a tax strategy. Analyzing a deal.

That is where the gap opens.

Quietly. Invisibly. Over years.

Don't wait until you can afford to quit.

Build until you no longer need to.

Full video in the comments. Watch it now👇

𝗣𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗼𝗻 𝗳𝗶𝗿𝘀𝘁, 𝗶𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝘀𝗲𝗰𝗼𝗻𝗱

Because investment builds wealth, but protection prevents wealth from collapsing.

Before someone invests aggressively, they should protect 4 major risks.

1. 𝐌𝐞𝐝𝐢𝐜𝐚𝐥 𝐂𝐚𝐫𝐝— 𝐏𝐫𝐨𝐭𝐞𝐜𝐭𝐬 𝐒𝐚𝐯𝐢𝐧𝐠𝐬

One hospital bill can wipe out years of savings.

2. 𝗖𝗿𝗶𝘁𝗶𝗰𝗮𝗹 𝗜𝗹𝗹𝗻𝗲𝘀𝘀 — 𝗣𝗿𝗼𝘁𝗲𝗰𝘁𝘀 𝗥𝗲𝗰𝗼𝘃𝗲𝗿𝘆 𝗧𝗶𝗺𝗲

Medical card pays hospital bills, but it does not replace income.

3. 𝗜𝗻𝗰𝗼𝗺𝗲 𝗣𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗼𝗻 — 𝗣𝗿𝗼𝘁𝗲𝗰𝘁𝘀 𝗙𝗮𝗺𝗶𝗹𝘆 𝗟𝗶𝗳𝗲𝘀𝘁𝘆𝗹𝗲

If the breadwinner passes away or becomes permanently disabled, the family still has commitments.

4. 𝗛𝗶𝗯𝗮𝗵 & 𝗘𝘀𝘁𝗮𝘁𝗲 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴 — 𝗣𝗿𝗼𝘁𝗲𝗰𝘁𝘀 𝗪𝗲𝗮𝗹𝘁𝗵 𝗧𝗿𝗮𝗻𝘀𝗳𝗲𝗿

Having assets is not enough. The family must be able to access them smoothly.

𝗔𝘆𝘂𝗻𝗶 𝗦𝘆𝘂𝗸𝘂𝗿, 𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗮𝗻𝗱 𝗣𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗼𝗻 𝗦𝗽𝗲𝗰𝗶𝗮𝗹𝗶𝘀𝘁

📲www.wasap.my/60133508070/ProtectAndInvest

📲 www.wasap.my/60133508070/ProtectAndInvest

📲 www.wasap.my/60133508070/ProtectAndInvest

Pastikan plan perlindungan yang anda pilih ialah yang patuh shariah, yang TAKAFUL ya..bukan yang INSURANS..

Ramai orang, masa dia sihat…
masa hidup tengah senang,
rasa macam insurans ni tak penting.

Nanti dululah..
Tak minatlah..
Nak tanya isteri dululah..😅😅😅

Macam-macam Mami dah dengar..

Tapi bila dah sakit, bila kena tunggu lama untuk buat angio, barulah masa tu terasa pentingnya ada insurans..

Honestly, hidup korang takkan sama bila dah sakit.
Tenaga tu takkan sama.
Fokus apatah lagi.
Emosi? Maybe akan jadi lebih moody.

Lagi teruk bila dah sakit ni, terpaksa p**a fikir pasal kerja atau duit…
Still risau macam mana kerja tu nanti..
Macam mana nak bayar bil, macam mana nak tanggung semua komitmen etc

Sebab tu, janganlah sampai benda dah jadi, baru nak sedar..

Bersedialah dari sekarang.
Tak ada siapa boleh jamin korang akan takkan ditimpa musibah.

Jom plan dan bertindak dari sekarang.
PM Mami kat ruangan komen.

Ayuni Syukur,
AIA Public Takaful
📲013-3508070
www.wasap.my/60133508070/MyTakafulPlan

Kalau korang ada medical card company, atau ada savings sekitar RM10–20k, sebenarnya ada cara untuk turunkan bayaran medical card korang sampai 50% lebih murah‼️

Jangan cepat surrender atau stop bayar hanya sebab harga naik.

Bila tengah sihat ni, memang kita rasa tak penting medical card tu.

Tapi bila emergency datang, baru nanti kita akan sedar, medical card tu akan banyak membantu kita.

Masuk hospital tak perlu fikir duit.
Tak perlu tangguh rawatan.
Fokus je untuk sembuh.

Kadang-kadang, kita ni bukan tak mampu…
Cuma kita tak tahu je cara nak susun balik plan yang ada sekarang dengan betul.

Kalau korang nak Mami tengokkan plan yang ada sekarang dan bantu kurangkan commitment, boleh PM Mami naa.

Free review, no obligation 👍

Gambar : Menghadap jem dekat KL ni memang perkara biasa, cuba bayangkan kalau kita perlu operate jantung untuk treatment, tapi kena tunggu lama sebab ramai orang lain nak dapatkan rawatan juga? Beringatlah waktu sihat ni. Dah sakit, biarlah kita dah bersedia.

Ayuni Syukur
AIA Public Takaful
www.wasap.my/60133508070/MyTakafulPlan

Kalau ada duit lebih, korang boleh consider untuk tambah simpanan di EPF. 😄

Sebab dividend dia lebih tinggi dari rate fixed deposit ataupun savings account yang biasa, and consistent. 👍

Walaupun liquidity agak terhad, tak jadi masalah jika tujuan SIMPANAN tersebut memang untuk kegunaan MASA DEPAN. ✨

PLEASE REMEMBER‼️

Not all money needs to be easily accessible, some is meant to protect our future‼️‼️

If diversifying your investments is your next step,I can help you structure it properly.💪

I’m happy to guide you.

DM Mami now👍

🧕🏻Ayuni Syukur
✨Investment & Wealth Planning Specialist✨

www.wasap.my/60133508070/InvestmentSavings

Bukan susah pun melabur dalam saham kalau kita tahu formula ni.

👍Buy good companies at the right price.
( Belajarlah cara dia dari yang pakar)

👍Hold them long-term. ( Sabar dan sabar, mana ada keuntungan datang dengan cepat, yang cepat tu selalunya yang scam)

👍Build real wealth. ( Bukan kekayaan yang senang habis macam tu je)

TAPI.

Kalau anda berminat untuk melabur tapi tak ada masa nak belajar, jom melabur saham dan unit trust melalui Private Mandate yang terpilih dan terbaik di Phillip Capital.

Check out tentang Phillip Capital di sini

📌Website company

https://lnkd.in/eRYXmMat

📌Contact saya sebaga MR anda!

https://lnkd.in/gin8Uibn

https://lnkd.in/gin8Uibn

https://lnkd.in/gin8Uibn

📌Apa kelebihan melabur di Private Mandate?

https://lnkd.in/gnM59D-m

🥺Setiap hari ada saja berita orang kena scam
pelaburan. Arini pengurus hotel
kena scam RM211k p**ak. Sebelum ni banyak juga kes pesara yang kena tipu sampai berjuta-juta ringgit pun ada.

https://www.kosmo.com.my/2025/07/15/pengurus-hotel-rugi-rm211000-terperdaya-skim-pelaburan/

Berhati-hatilah ya kalau nak invest. Siasat dahulu pelaburan tu sah atau tidak.

Ciri-ciri FAKE INVESTMENT ONLINE:😡

1. JANJI pelabur keuntungan yang tinggi.

Tiada pelaburan yang sah di sisi undang-undang dapat janji berapa keuntungan masa depan akan diperolehi oleh investor. ASNB pun tak pernah janji berapa setahun akan dapat kepada pelaburnya.

2. Minta pelabur transfer duit dekat beberapa jenis akaun dengan amount yang besar.

Mula-mula bagi profit untung pancing next transfer. Lepas tu tidak dapat dihubungi.

3. Iklan pelaburan dibuat secara online atau menghubungi pelabur secara online. Syarikat pelaburan sebenarnya tidak wujud dan tidak sah di sisi undang-undang.

4. Menggunakan public figure untuk
menyakinkan pelabur. Padahal
public figure tu tak tahu pun dirinya digunakan untuk memancing kepercayaan pelabur.

5. Pelabur diajar untuk download apps pelaburan dan diberi online support, tapi sebenarnya semua tu hanya taktik untuk mendapat kepercayaan pelabur.

So bottom line kat sini.

Walaupun kita nampak peluang pelaburan itu kelihatan sah dan dipromosikan di media sosial, macam wow etc ke, please semak kesahihannya.

If it sounds too good to be true, SCAM la tu.

Sharing is caring,

Mami

Money equal to Freedom. Freedom is equal to Happiness. You don’t have to work until 60, you can be wealthy. How?You should figure it out.

Banyak berita musibah seperti kematian dan kemalangan di kalangan orang yang Mami kenal this week. Hidup ini memang terlalu singkat dan sangat berharga. Selagi sihat dan ada masa bersama, hargailah. Beruntunglah orang yang SABAR.

Mami ada beberapa plan takaful daripada company lain.Satu kelebihan yang company lain tak ada ialah apps yang canggih untuk support customer macam AIA+. Pastu AIA ada support system untuk check treatment doctor bagi ok ke tak ok.