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

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

Chapters

• 0:00 تعريف الضيفة ومسارها المهني
• 1:05 انتقالات داخل البنوك والتحول الرقمي
• 2:03 قرار ريادة الأعمال وخدمات الاستشارات
• 5:00 إدارة المصروف والاحتياج مقابل الرغبة
• 6:30 الفرق بين المال والثروة
• 9:30 حدود الائتمان والاستهلاك الواعي
• 15:30 الاستثمار وفق الهدف والمخاطر
• 17:00 الدخل السلبي: حلم أم مصطلح مضلل
• 22:00 مهارات التجارة الصغيرة والتعلم بالتجربة
• 26:30 تحديد القيم والأهداف المالية
• 28:30 المال كوسيلة للخير والتمكين
• 34:00 القيادة والاحترام والفحص الذهني
• 38:00 اللغة، الفروق الذهنية، ورأس المال البشري

Transcript

SPEAKER_00: 0:00

Of Hala Gida Min Kerembro Sul, Mako Ahmed Rosh, Dumaya a Difa Sadiqaba Ablimatkun Defa, Wahnabalna Mudda, Narv Bad, Mawad, we and Fi L Finance, Min Amerikan Muhtalifer, Technology, L Banu, Kl FinTech, Consulting, Whaet Kira. Yes.

SPEAKER_02: 0:35

Sukur Ahmed Lestodovtak Leon Nohorda Anna Ismi Yasmin Hile, B Eli Talata Srin Senfil Khatal Masrafi. I moved in one career to another unintentionally. Gidden. So khatal masrafi, ukta digital lekin, sophanullah. But uh temen sin for technology. I moved into uh to be the contact center head for uh for Citibank, it's e business head. Bad talatosh or sana of citibank hassle acquisition lil bank l CIB ATF great experience.

SPEAKER_00: 2:02

Consumer Finance.

SPEAKER_02: 2:02

Yes. Then I decided October 2024 to take a different route, the entrepreneurial uh element. And I founded Utruk Afar, which is author consultancy that offers uh consultation for digital transformation, digital licensing, as well as digital governance.

SPEAKER_00: 2:36

Yes, consulting. Yes.

SPEAKER_02: 4:02

Hel hey illoy sea. Andi Musroof, and I andi Idora Melflus Batati. Sandwich or Shtiri Hag Akuladi versus in an hagamil bit. Fainabaftik befafkar is Zay in ana awaz of ilfus batati l against Ehtyagi. Wana Masalan Mehtaga Masan Ashte Achruk Kruga Mayan. Hrugadileta Klefa Mayan, Hal Anna Mosruf Yaomi, be careful Krugadi while a mehtega in an hot mosruf yuma musruk fuma sh an odd khrugadi, our rehledi. Daiman and fakrequas gidden, I will murat tathatu. Kut Bashtar one of gamma. Murat Balhatu the can robom meat guinea could come at Kuthasa Nana Agnah the Fel Fedonia recepnarfi nana odder atala fluzebess a stalic fluce. Falezen of e lana um demu la sasu other menu the Uldahda A was of Zay Shafa in the fever been El Rina Soro. Taban Soro Mishmana flus Ulrina Mishmane Nana um and the um wealth.

SPEAKER_00: 6:41

Wealth loss, Elrina Elflus.

SPEAKER_02: 6:47

Soro, Mandish um wealth. El wealth mishbes be a haganok de Mukin il il wealth beatemed al hagga betolla fluus. El rina uh short term, il wealth is long term. Il wealth beatemed alhege ala ala ala dachl medi o dachl uhyan be accumulate alabado. Oh uh target mwany.

SPEAKER_00: 7:45

Yeah.

SPEAKER_02: 7:58

Hello, Fanta Mehtak test. Maya Frusa Bas Mishashteriha. Of Dolly, financially of Dolly in a still foster Uda Nafsil Mabda Betaya El Tamulis de Haki and Amokani I amid Guinea. Bus Mishurfishribiha Mishashteri Bia Hagel and Mes let's say Kobedi Bnigine. When I am mid guinea, B Migine di Anhasrifigine Kulala Kubaywahat. Bes Mumkin, low Shtarit Kobediu Kobedi, will Estatafish Rash Rugni Bana Shtarit Haktin the value of Metingini Wana capacity and at fala shragni or a shringini of Dolph and a kid consumption all me geni. For Hagel is the value ill us to in a very healthy financial relationship, and then already fill capacity of payment betati. Kulina bor credit bureau. It's not because you can receive this uh uh financing, it is okay to take it. I need to know when to stop. In nana m and NFC invest, li e kazatori hasab and a mehtag eyes also investments, long-term investment, walla continuous income. Lawana mahteg fiba products mass fulfilldi. Wita goes abordum, why ill ill melee? What kind of risk? If you haga high risk, if a low risk. Wa hali an aiza fi sura uhala fisur asset. Wukaman fi lati solutions gid the zahharit and item awl ilwe il- Sakanaya kameram mukun tko shibiab assum. Kulidi uh solutions l the kor, u solutionsir u tulkit here bes 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 inta untanay beta fluce. Finas k tir giddan gidan. Well fakre, then can tes fame will passive income da inta dorfilborsa. It is true. She had a little bank de passive income. Bas return beta behtage. What kind of return? Will you return the hellho of tender fat of the money called the colour? Oh, lin hatna kulasaria digital and online will will will cycle with that l achievement kul shwa it also passive income di machtega journey. Oh, passive income the ana contribute fee walla had the tany haya. And a baudl income it's an active 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 real estate real estate maru gidden la il gimmekivati bulmamla x letter b three x and a man who's a man who's a little bit more than a little bit of kitian fifty sahlazamani passive income ill who lho interfiti di uh in head dechless kill me passive income hat mesh muhtanab kill met passive in general and the hatalown mishmusteric feel operational element into hot of you f there's an there is an effort if he may good bit hot into the other thing. Blah blah blah, Wandi Shot Fusaragam. I shani if tshtagel, Itakl the ba munkin and a deaf law maslah, be gab lem, gab betal gabi water half you give teletops are hell bahum for uh fort and a tombsay, forgotten of lafia shing alamini, and a kula alam habiao being spotted a a demand demand of fertil supply with a with a margin. Oh max up so you're traded and a bad missile seed gidden and still some eyes of solution. Fatada in an fruit accept it, for the old either the feetini and a female max up, uh what's the al max up the maser and maxab how's agini agu uh funger nepsi be tingini hai gibman whom I give minhum bada tiny for massan, more hash be holy bistel, one of the tingridul but the health of moshwa teni. Uh Khamas Telefgini, Baitahut Taman Telefgini, Basana Makutus Aish Basha Telefgini and Aishtip Sit Telefgini, Ilfini Gini Dul, it'll either manamuk kurso, as tes or tali mentamant telefgini proval fist is more okay, who's a smorifikri.

SPEAKER_02: 22:37

Bazo. And an atom, sir fat kurso interlayadi ash an or of min min il value il value asset value individual, five atamani fuso, and as for f suchula amal ali, kulumabiala, kullumabibahindi 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 of e shut b draw b and be al khudmasan and fingini kush well fing and a duati munkan ashteri uh asum bunk feeble apps will applications we al fin technology, munk elfing, shtibiha tetalam tsum Zaman can bashalka beaker cigar baday will borsat which are nasnake. Baara Fadelha Famunkini Adir Maware Hell Ashavni had Khalini Milliardir uh Kaman Sanatin Him Shemelak.

SPEAKER_02: 24:12

Arif Litu Ba and the social value two golden words Fentic, we eriftin dul Muhammin Gidden Gidden Fahd the Shmul Mele we il financial. Libnos Aulakley, Erift, Fantashtal Wai u Tawa il Hamlet Tawaya will why Yani Sismore Yani Sarah Yani e Rina Yani Tauzif il fluuse fi haget sustainable Whantic is access. Fi haga haga Muhammad Lessin Arafan, Mishkul had Dandusaday Khushibankullah had be meetal profile albanky. Ma in fi Hamalet Hhoya gidden mele, Alashen Michlel El Khatal Masrafi, Lekin still fee certain barrier, like a barrier il khatar Masrafi.

SPEAKER_00: 26:09

And Tamun can bukra yilak ehag. What had gelu ashamliumi or mablachimiro which all it meet alphigni. Amelie, uh my fluze, yes, I would haila, rash, or a hot to modem shaq fluusini. Um shwa shwaya, shabk fluus, and the table assault mentesh, il kowa, walkudra, in nintolla atemal salt demandak, shil khiber to mandak, shil fik rumandak, 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 lemvalli meet elphigni, harfadirhum, the m are of adir meet elphigni, low rabina corongni we no summiljongini, harfadirha. Set it even o no bar of adirshtev gini. Sa Toy Basi Naish Ash telefgini Ameliahmad, Ishtagalinita Tali Kimtakusuke, Le wentamura Tabak Hamas Telefgini, Wutaraftahut coursi Alic m dakle, Mangamas Travgini, Tamat Telefgini, Hod.

SPEAKER_02: 27:15

Away they make an ulli messal, illik il sismoral fidmarek, uhemru may be illil value ter. L'inum had shall the minak t four 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 the worst master.

SPEAKER_02: 28:12

What yanadluati, ashan araf taman marflus, are of elakti bea wa good of hati ashent 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 giddan giddan atadriarf tamli tamli mal med, auma il il il il wealth of fara. Law enhadafil flus na eyza flushanagi flus, liha hlololha. La eyzel flus ashan also l head of mwayan, liha hlulla.

SPEAKER_00: 28:48

Wanaba shufin fi ohtokvira bordo futori ta'emul auroitalflussefinas, who be be shefa haga nzakalimalflushaga wesh Hata B Sabi Hud Hagani Bdim Tabanta 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, abu bakr kan gani, omar cani sulamenhu yam look yem look uhf kani sahem kalma adat kibir min al sahaba canu ehme zo lacism can it tegiro Sa echna il mal who washi then nah do hagatiz in a time be when n when n interfee and in alphinity mahtame hated leadership will empathy will geneable in seni. Fa Tamul Malnal Hatta le Genable in Seni Swallow and can it minal Haget Loti forgidan kuta rita could foract hat report. Tamil study Tamil familika lit kalik tehtani who what el charitable activity I will I will haggat is that the same thing is that the same for hobikal no we can dibaht hobbi lakha or com. Oh shit, I know shaf hat y upsumbiam 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 get a lot of people.

SPEAKER_02: 34:05

And I've leadership is respect. Leadership is seeing the person in front of you. Mental check-in is thank you for asking. Mental check-in is an aviation term. Where it Where it's Udemek in Saniyitu, Yishilek. Mal Udemek. Wallahi Ahmad Sadbina Ba'adin Aktimathu Demek and Alfanho big di balay. In a mjamon Lena Baulu whole into smatter. Il Alfaz Lena Basadama Munkin bezbelic with a targem hagatanya. Munkin il an ashanan, the certain saqah, won't undertak, you have certain mental fe letter for the merch but not e calam wayan. Munkan e calam they couldn't trigger lehaga or glimmer lehaga. Ubarafakala fee fifak. I I look I want to see you, and I shofuckabena. Upsaraha but the value system and uh accepting a sack.

SPEAKER_00: 39:07

Human capital insane.