Wealth aside, is your cash flow healthy?

VTV.vn - A healthy cash flow is the key to sustainable prosperity, not mere wealth.

For journalist Duong Ngoc Trinh, money is like physical health: to be healthy, you must train, you cannot leave it to luck or unrealistic dreams. In the conversation, she frankly pointed out the financial mistakes that Vietnamese people often make, and at the same time revealed how to build true prosperity.

The MoneyGym content series is produced in collaboration with VPBank , bringing stories, experiences and financial tips to help you not only manage cash flow effectively but also enjoy the journey towards prosperity to the fullest.

1. You named MoneyGym because you believe that money needs to be trained like a muscle. But many people will argue: 'Money needs to be earned, not trained!' How do you respond to those who only believe in work, but not in 'training' money?

I think there are different perspectives on anything. Especially money.

Literally, making money is important. But if there is a way to make your hard-earned money work for itself and generate profits, while you still have time for other things; why say “no” to that usefulness?

Like the previous generation, the popular way is to buy a house and rent it out. As for modern finance, profit-making tools are optimal solutions when they do not require too much capital or time but are still effective. For example, the Profit-making Toolkit with 2 products, Super Profit and Super Prosperity of VPBank. First, with Super Profit, which has just been upgraded to the new Premier version by VPBank - possessing outstanding advantages such as yield up to 4.5% per year and flexible withdrawal ability 24/7, this is a tool to create a source of passive income that I highly appreciate.

With just one touch of activation, all operations will start working to make your cash flow profitable. The yield level is also applied according to each money threshold, optimizing value for many different customer groups. All profits are transferred directly to a "separate compartment" on the application, helping users proactively manage cash flow. It's like a personal trainer diligently training your "financial muscles" every day, 24/7, even when you're sleeping or busy with work.

Super Prosperity is suitable for those who are looking for an effective profit channel while still being proactive in using cash flow. Because customers can easily transfer this deposit certificate right on the banking application to optimize the daily profit yield based on the actual holding time. In other words, the cash flow does not "stay still" but is always flexibly mobilized, both profitable and ready to meet all your financial needs.

2. People often say that failure is a valuable lesson. But in the financial field, is there any failure that you think… cannot learn a lesson, only loss? Is "Gym for Money" enough to save people from this kind of failure?

I don't believe there is anyone who has never been injured while training (laughs). The same goes for "entrusting" or creating a source of money, you can't just ignore it and love it.

But the thing is: you need to understand your failures. When you work out properly, you learn to listen to your body – what is your limit, what is your endurance, what exercises are suitable for your physical condition. Depending on your "financial condition", each person will have different suitable "methods" and "exercises". Short-term or long-term plans for using money, priority benefits are high interest rates or flexibility, forms of maintaining cash flow... - all are factors to consider when you choose tools and where to put money. Understand your "physical condition", choose the right tools, then be disciplined and adjust when needed - that is the way to keep money stable in the long term.

For example, Super Profit is an ideal choice for those who need flexible cash flow, can withdraw at any time and still enjoy a yield of up to 4.5%/year, paid daily. In particular, this product does not require a large amount of money to start, suitable for idle money in the payment account. Meanwhile, Super Prosperity deposit certificate will be the optimal tool for those with capital of 100 million VND or more.

3. In your opinion, what is the most difficult financial habit of Vietnamese people to break? If forced to choose an "ugly" habit that even you have had, what would it be?

It is baseless greed.

Unreasonably high profits, easy offers; their operations all have one thing in common, that is, exploiting human weakness: believing what we want to believe. And this unreflective, uncritical belief is the trap.

Many successful and prosperous people told me: They only put their money in reputable places, with clear legal status, and more importantly - they always ask questions and verify. Money never comes from empty promises, but from value. In a recent conversation with Mr. Nguyen Phuoc Toan - Head of Deposit & Payment Products Department of VPBank, I also heard quite impressive numbers about the development journey of Super Profit, such as attracting hundreds of thousands of customers after 6 months of launching, of which more than 80% continued to use the following month, 73% introduced friends to join and 96% gave positive feedback. It can be seen that with Super Profit, VPBank does not sell promises, but brings a specific, transparent and sustainable solution.

4. You once said that the difference between being rich and being prosperous lies in a sense of ease. But suppose there is a person who lives peacefully with almost no accumulated assets, or whose standard of living is just "enough to eat and wear" - do you think they are prosperous?

I believe that everyone has a different definition of “wealth,” “prosperity,” or even “wealth.” However, no matter how different the definition, we cannot deny that money is a means to help us realize those desires. It helps us take care of our family, pursue our passion, or even help a stranger in need. Money is not the ultimate goal, but it is a tool to help us live up to our values.

So let's not talk about "rich" in general terms, I think the more important thing is: Are you building a healthy personal financial foundation?

I believe that a healthy financial foundation does not necessarily have to have a large number, but rather optimizes the ability to accumulate and generate profits from cash flow - slowly but surely, sustainably and appropriately. Understanding where your money is going, what it is doing, whether it is serving the life you want or not - that is the first step, and also the most solid foundation to achieve prosperity.

VPBank introduces Profitability Toolkit – Automatic solution for "tireless" cash flow.

Not stopping at inspirational sharing, the program also introduced VPBank's Profitability Toolkit - a set of optimal cash flow solutions including Super Profitability Premier and Super Prosperity.

This toolkit helps users:

- Proactively set financial goals according to personal needs

- Choose profitable packages that fit your spending plan

- Transparent, flexible, easy-to-understand results tracking

Make a profit now: https://go.vpbank.com.vn/super-sinh-loi

Learn more at: https://supersinhloi.vpbank.com.vn/

Source: https://vtv.vn/khoan-ban-ve-su-giau-co-dong-tien-cua-ban-co-dang-khoe-manh-khong-100251017094734435.htm