Dil ki Baat · Feb 23, 2024 · 36:32
Cash burns. Buildings and stocks don't.
Muzamil moves from diagnosing Pakistan's economy to prescribing action: where idle cash should go, why land is a trap, and how to earn in dollars.
8 min read
Two paths for the country, one problem for savers
Muzamil opens by acknowledging the mood in his comments. The previous three episodes on Pakistan’s economy left people anxious, several telling him the videos were making them depressed. So he splits the fix into two parts: this episode is about what an individual can do to protect themselves through the coming inflation and debt cycle, and the next will cover the macro opportunities once the country moves past it.
He recaps the setup first. The government has two paths. One is structural change: painful in the short run, with inflation, some joblessness, and a squeeze on purchasing power, but a corrected direction afterward. The other is business as usual: propping up the dollar, avoiding tax increases, manufacturing “a semblance of prosperity.” Muzamil argues the second path won’t hold this time, because the economy and its problems have both grown too large. “This time the cycle might not last more than six to eight months,” he says, “and when the bust comes at the end of it, it will be so ugly that the same problems come right back: inflation, joblessness, bad conditions, agitation.” A short boom followed by a bust, he adds, means a slower recovery than a country that takes the structural pain up front.
The two questions every saver has to answer
For the person with five lakh, fifty lakh, or a crore sitting in a bank account, Muzamil frames the problem simply: at the inflation levels Pakistan has recently seen, around 40 to 45%, ten lakh rupees can lose four lakh rupees of value within a year. Two questions follow. First, how do you protect and grow the value of what you’ve already saved. Second, as the economy shifts from import-led to export-driven, from consumption to production, how do you get your income disconnected from that turbulence rather than just your savings.
He is explicit that this is a short-term playbook, six months to a year, not the multi-year project of building an export business. “The average person watching this doesn’t have three or four years, and doesn’t have three or four years of savings either,” he says. The advice that follows is what he built for himself, not investment advice.
Why this is the wrong time to start a business
Muzamil’s first recommendation is a negative one: don’t start a new consumption-driven business right now. No restaurant, no small e-commerce shop, no new dukan. These are cash-intensive, first-time ventures entering a market where buying power is already falling. Starting something new means going through the normal run of early failures anyway, and doing it while the economy is working against you compounds the risk. “Why would you want to swim against the tide?” he asks. If someone has forty, fifty, sixty lakh rupees set aside for a new venture, his advice is to hold it back for at least a year rather than deploy it into a first-time business right now.
What a stock actually is, and why Pakistanis ignore it
Before getting into where the money should go, Muzamil spends real time explaining what a share is, because he thinks most Pakistanis simply don’t understand it. He walks through a naan-shop analogy: one owner, one shop, a friend buys in for a stake, that friend later resells part of his stake to someone else, and what results is exactly the mechanism behind a listed company’s shares: fractional ownership that changes hands.
The gap in adoption, in his telling, is stark. “In Pakistan, 220,000 people have bought shares in some company or another. In Bangladesh, a country with a smaller population, there are ten times more investors, two million. In India, that number is close to 150 million. One in ten people in India is invested in the stock market. In Pakistan, that’s one in a thousand.” He isn’t talking about day trading or treating investing as a specialized skill. He’s arguing that basic exposure to shares is something almost every Pakistani lacks, whether from unfamiliarity or the belief that it’s somehow un-Islamic.
A survey that found five billion rupees sitting idle
Muzamil ran an Instagram survey asking his roughly 110,000 followers about their savings. Around 10 to 15 thousand responded, and the total came out to roughly five billion rupees in aggregate. When he asked what people planned to do with it, most said they were either sitting on it or planning to open a restaurant or a small business. He flags the restaurant answer specifically: “98% of all restaurants, all of them, fail.”
The other common answer was investing through a trusted relationship, a brother, an uncle, a friend already running a business. Muzamil argues this is a worse bet than it looks, not because family and friends are dishonest, but because the relationship itself gets in the way of due diligence. “If a friend of mine comes and says invest fifty lakh rupees in my business, I will never put money into his business,” he says, because the closeness of the relationship stops you from asking to see the books, and there is no transparency to fall back on if things go wrong.
Buy the company, not your cousin’s restaurant
The alternative Muzamil lays out is investing in established, professionally run businesses through the stock market rather than in a friend’s new venture. He points to companies like Unilever and Engro as examples people already recognize as durable across cycles. He mentions the platform Sarmaya as a resource for company data and performance history, and references a technical analysis course from its team as useful groundwork for anyone starting out. His own move happened two and a half years earlier: seeing the local economy heading toward a crash, he began routing money toward dollar-based and export-oriented businesses, whose revenue holds up regardless of what the rupee does.
He argues the market itself is currently undervalued because existing investors are spooked, and that it should normalize as the economy stabilizes. “Cash burns. Cash devalues. Stock, in the long run, doesn’t just protect you from inflation, it brings growth too.”
Property over land: buying commodities, not vibes
Muzamil’s second recommendation for idle cash is property, with a specific distinction: buildings, not land. His reasoning is that a building’s cost is anchored to commodities, steel and concrete, so its replacement cost, and therefore its resale value, rises automatically as the rupee weakens and material prices climb. Land carries no such anchor. “Forget about land. Get rid of it. Land is a useless thing,” he says, arguing its price is driven entirely by investor sentiment rather than any underlying productivity.
He backs this with a demand argument: Pakistan’s housing shortfall is only going to widen as a young population marries, has children, and moves away from joint family living toward independent homes. He points to Dao Proptech, a platform that lets retail investors buy fractional stakes in built property starting around fifty thousand rupees, as a practical entry point for people without the capital for a full unit.
For those with no savings: leave, or sell your skills abroad
The last part of the episode is for people with no savings to invest at all, living paycheck to paycheck against rising prices. Muzamil’s recommendation here is direct: if the local ecosystem isn’t offering opportunity, look abroad, particularly at Dubai and Riyadh, where he says demand for workers is currently strong. He pushes hard on LinkedIn specifically, arguing Pakistanis underuse it while it drives hiring across the Middle East: clean up your profile, get testimonials, buy premium to message hiring managers directly, and apply to jobs that are actually relevant to your track record rather than mass-applying everywhere. He goes further, suggesting some people fly out on a visit visa and interview in person, since a handful of people doing that will get an offer where a stack of online applications won’t.
For those staying in Pakistan, his advice is to learn the specific digital tool already reshaping their existing field, not a new field altogether, and then sell that skill globally through platforms like Fiverr or Upwork. He frames this as arbitrage: a rate that looks trivial to a client in a developed economy can double or triple a Pakistani’s income once converted, and that gap gets wider as the rupee weakens. He also expects it to grow structurally. “Even though Western economies are heading into recession, I think offshore work is going to grow in the years ahead, because compared to a local employee, we can offer a better rate.”
Muzamil closes by inviting the audience into the conversation, asking for other stable, non-Ponzi ways people are protecting themselves, and previews the next episode’s shift to Pakistan’s macro opportunities once this cycle passes.
Full transcript
Salam-o-alaikum khawateen-o-hazrat, welcome back to another episode of Dil Ki Baat. Pehle toh maazrat, main Wednesday wale din nahi aa saka. Unfortunately, mujhe thoda sa flu hua hua tha, jiski wajah se maine badi koshish ki, lekin I couldn't get myself to sit down and speak. Aaj bhi meri tabiyat thodi si na-saaz thi, but Alhamdulillah good enough, that I can sit down and deliver this video. Pichli teen episodes mein humne extensively economy ko samjha. Generally, jitni cheezein batayin, woh zyada unfortunately negative thi Pakistan ke bare mein. Toh comment section mein mujhe bade saare log aake keh rahe the ki, Muzamil bhai, aapki toh episodes dekh ke, you know, depression ho rahi hai, negative feeling ho rahi hai, aap bas buri cheezein bata rahe hain. Toh maine socha ki main is episode mein aur agli episode mein do interesting cheezein bataun. Pehla toh yeh, is episode mein hum focus karenge ki individuals, jaisa ki aap hain, jaisa ki main hoon, hum individuals kya aisa kar sakte hain ki hum apne aap ko protect kar sakein is inflation cycle mein, is, you know, debt cycle mein jahan par karze badhenge, mehangai hogi, joblessness hogi, toh hum apne aap ko kaise bacha sakte hain aur protect kar sakte hain. Aur dusri episode mein main overall macro picture dunga ki aane wale waqt mein kaunsi aisi opportunities hain for Pakistan, ki jab woh is cycle mein, jo, jo bura cycle aa raha hai, us cycle se guzrne ke baad jo, agar unhone growth ki taraf jana hai, toh kaunsi aisi cheezon ko woh leverage kar sakte hain, jisse hum sustainable, scalable development ki taraf gamzan ho sakte hain. So, that's going to be the next episode. Is episode mein main thoda sa agar zikar karun, toh pehle jo humne pichli teen episodes mein discuss kiya, humein yeh baat maloom hai, ki aane wale dino ke andar government ke paas sirf do raaste hain. Pehla raasta yeh hai ki woh structural changes ki taraf jayein, jismein zahir hai ki mehangai badhegi, jismein short term mein, lekin mehangai badhegi, certain shayad joblessness ho sakti hai, certain industries ke andar, overall pain aayega society ke andar. Hamein kuch arse ke liye na, hamein thoda sa nifty hona padega, hamari quwwat-e-khareed gir jayegi, hum jin luxuries ko, jin cheezon ko jo ki hum needs bana chuke hain, woh shayad hamari wants ho jayengi, hamein thoda sa cut back karna padega, lekin usse fayda yeh hoga ki hamari simt durust ho jayegi aur phir over time hum behtari ki taraf chale jayenge. Dusri option yeh hai ki government aaye aur aake woh abhi phir se business as usual kare, woh phir se dollar ko control kare, woh phir se taxes ko badhane ki koshish na kare, woh logon ko semblance of prosperity de, woh kahe ki dekho zara mehangai nahi hai, sara kuch hai. Lekin humne discuss kiya tha ki ab Pakistan ki economy itni badi ho chuki hai, problems itne bade ho chuke hain ki yeh wala cycle is baar shayad 6-8 mahine se zyada na chale, aur jab us cycle ke end pe jab bust aayega toh woh itna ganda hoga ki phir se wahi masle, you know, mehangai, joblessness, halat kharab, agitation. But agar hum is tarah se 6-8 mahine ke boom ke baad bust pe jayenge toh phir recovery thodi si prolonged hogi, woh itni quickly hum shayad na recover kar payein, jo ki agar hum structural changes kar lein toh I think ki hum quickly isse nikal sakte hain, itni koi big deal nahi hai. Ab ek aam aadmi jo baitha hua hai, woh zahir hai soch raha hai, uske bank account mein shayad 5 lakh, 10 lakh, 50 lakh, 1 crore, 2 crore, jitne bhi rupaye pade hue hain, woh koi na koi uski saving hai, usne rakhi hui hai. Woh yeh soch raha hai ki yaar meri toh saving saari tabah ho jayegi agar hum khuda na khasta hyperinflation ki taraf chale gaye. Hyperinflation ki taraf na bhi gaye, agar 40-45% jo inflation jis tarah ki humne dekhi hai, recent times ke andar, agar usi tarah ki bhi maintain hui, toh mere paas 10 lakh rupaye hain, saal ke aakhir mein 40% uska zaya ho jayega toh 6 lakh rupaye ki value reh jayegi aur phir isi tarike se woh har saal agar hota rahe toh main toh farigh ho jaunga, maine toh jo mehnat saari ki saari ki hai woh meri saari mehnat zaya ho jayegi. So, what can I do? Pehla toh yeh sawal aata hai ki jo meri savings hain, jo meri existing value, jo maine value create ki aur uske ewaz maine paise liye, woh paise meri value year-on-year lose kar rahe hain. Toh main usko kis tarah se protect karun aur kis tarah se grow kara sakun? Dusra sawal yeh hai ki jahan par hum keh rahe hain ki economy ki ab simt ek taraf se dusri taraf jani hai, jahan par humne import-led economy ko export-driven economy ki taraf lekar jana hai, jahan par humne consumption economy se hatke productive economy ki taraf jana hai, wahan par main aisa kya kar sakta hoon, jiske andar jo hai na main us productive economy ka hissa ban jaun ya us export-led economy ka hissa ban jaun, taake meri jo investments hain, theek hai maine woh toh protect kar li, but meri jo earnings hain, woh bhi by and large disconnect hona shuru ho jayein from all of this turbulence that we are seeing and will continue to see. Achha ab yahan par jin cheezon ke bare mein aaj main baat kar raha hoon, woh zara comparatively short term hai, woh yani ki agle 6 mahine, 1 saal ki game hai. Agar hum waise jo generally baat kar sakte hain, bade-bade nara-bazi hai ki yaar aap export ke businesses banayein, aap aisa dhanda chalayein, aap woh factory laga dein, lekin yeh tamam cheezein itna aasaan nahi hain. Yeh in cheezon ko 3, 4, 5 saal lagenge before they can be successful, ismein investments hongi before money can be taken out. Jo aam aadmi mujhe aaj baitha dekh raha hai, by and large uske paas 3, 4 saal nahi hain, na hi 3, 4 saal ki investment hai. Usko is waqt jo apni jama punji hai usko bachana hai aur usne ensure karna hai ki aane wale dino ke andar jahan par woh spikes aayengi inflation ki ya halat kharab honge, us pe woh apne aap ko kaise protect kar sakta hai. Toh jitni bhi cheezein main discuss kar raha hoon, woh immediate hain, woh short term hain, woh woh cheezein hain jo ki phase 1 ke andar Pakistanion ne karni hi karni hain. Again, agar aap yeh video dekh rahe hain, toh aap agar yeh cheezein karein ya aap na karein, someone will do these things, irrespective, and those people will be able to protect themselves. Toh generally khud yeh woh cheezein hain jo ki maine apne liye figure out ki, khud dekha ki yaar mera kya framework hai, ho sakta hai yeh galat ho, aap mujhe comment section mein zaroor aake bata sakte hain, but yeh mera framework hai. Main koi investment advice yahan pe qatayi nahi de raha, main sirf aur sirf jo mera analysis hai, jo meri understanding hai, jo maine apne upar implement ki hai, wohi main aapko bata raha hoon. So let's get into it. Toh sabse pehle hum investments ki baat karte hain. Woh log jinke paas already cash pada hua hai, woh us cash ko kahan pe laga sakte hain, taake woh aane wale storms se apne aap ko protect kar lein. Ab zahir hai bahut saare log kehte hain ki yaar tumhare paas cash farigh pada hua hai, is cash ko invest karo, invest karke koi business bana lo, koi restaurant khol lo, koi, you know, koi bhi dukan chala lo, koi e-commerce ka business khol lo. Personally, main yeh recommend karunga ki is waqt nobody should be investing in a business, koi restaurant kholne ki zaroorat nahi hai, koi bhi, kyunki yeh tamam consumption-driven cheezein hain. Aap maal ko utha ke maal ko bech rahe hain, koi small e-commerce ka business na karein. Agar aap khud kuch ghar pe banate hain, you know, aapki cottage industry hai, usse aapka taluq hai, toh woh aap karte rahein, main usko discourage nahi kar raha. But already jo existing businesses hain, unke liye abhi halat mushkil hone wale hain, buying power kam hone wali hai, logon ke liye mazeed mushkilat aane wali hain. Toh is waqt business kholna jahan par already aapko pata hai ki economy slowdown ki taraf hai, it's a bad idea. Especially agar aap naye business ki taraf ja rahe hain, abhi toh aapne jaake seekhna hai, abhi toh aapne bahut saare failures go through karne hain before you can go towards success. Jab already aap kisi cheez mein fresh ghus rahe hain aur usmein bhi jab economy jo hai woh aapke khilaf hai, toh why would you want to swim against the tide? Personally, I would recommend ki is waqt agar aapne 40, 50, 60 lakh rupaya rakha tha ki yaar main koi, you know, poultry farm khol lunga ya main koi, you know, restaurant khol lunga, toh for the next 1 year I would say hold off, don't invest that money into a new business. Achha main thoda sa na before going forward, main chahunga ki aap logon ko main stock market samjha doon. Pakistan mein pata nahi kya weird reason hai ki hum log stocks ko aur stock market ko seriously nahi lete. Shayad logon ko bahut confusing lagta hai, shayad logon ko lagta hai ki yaar yeh koi chuna hai, un-Islamic hai, I don't know what it is, but I want to explain to you the stock market very, very quickly. Again, main context aapko de deta hoon, Pakistan mein 2 lakh 20 thousand log jo hain woh unhone kisi na kisi company ke stocks kharide hue hain stock market mein. Bangladesh, jiski population humse kam hai, wahan par humse 10 guna zyada investors hain, 2 million investors invest in their stock market. India mein yahi number close to 150 million hai. Can you imagine ki 1 in 10 people in India is invested into their stock market, while in Pakistan that is 1 in a thousand people, that's insane. So let me talk to you a little bit about the stock market aur woh hai kya. Ab aap imagine karein ki aapke paas ek naan ki dukan hai aur woh naan ki dukan aapne hi shuru ki, aap hi usko chalate hain, aapne usmein bande hire kiye hue hain, lekin woh basically ownership aapki hai. Toh agar aap wahid owner hain toh 100% us dukan ki ownership aapke paas hai. Ab aapne us ek naan ki dukan ko do naan ki dukan mein convert karna hai, lekin jab aapne yeh pehli banayi thi toh aapke paas 10 lakh rupaya tha, aapne woh 10 lakh rupaya laga ke yeh naan ki dukan laga di, ab aapko mahine ka 10 thousand rupaya usmein se munafa aa jata hai. Ab aapne yeh dekha, aapne kaha yaar mujhe agar ek dukan se 10 thousand rupaya munafa aa raha hai toh agar main is tarah ki do dukanen bana loon toh mujhe mahine ka 20 thousand rupaya munafa aa jayega. Lekin aapne toh woh jo naan ki dukan hai woh already uske upar 10 lakh laga diya hua hai aur koi cash nahi hai. Toh phir aap kahenge ki achha yaar ab toh mujhe koi 6-8 saal wait karna padega, yeh sara ka sara cash jo hai sambhalna padega, phir mere paas 10 lakh rupaye aayenge, usse main dusri dukan lagaunga. Ya dusra tarika yeh hai ki main jata hoon aur main jaake apne dost ko bolta hoon ki yaar yeh dekho 10 lakh rupaya maine lagaya tha naan ki dukan ke upar aur usse main 10 thousand rupaya munafa le raha hoon. Toh aap usko jaake bolenge ki yaar tum mujhe 10 lakh rupaye do, kaam sara main karunga, sara ka sari mehnat meri lagegi, tum investor bano, main tumhe 30% ya 25% deta hoon apni company ka aur tum mujhe 10 lakh rupaye do. Ab hum ek dukan ke bajaye do dukanen laga lenge. Toh aap usse paisa lete hain aur paisa leke aap invest kar lete hain. Ab aapki company ke paas do dukanen ho gayi hain, aapka mahana munafa 20 thousand rupaya ho gaya hai, aapki company ka 25% share jo hai woh aapne apne dost ko de diya hai aur mahine ke aakhir mein 15 thousand rupaya aapke paas ja raha hai, 5 thousand rupaya 25% share ke hisaab se aapke dost ke paas ja raha hai. Ab hum assume karte hain ki jo yeh naan ki dukan ki company hai, is company ke 1 million shares hain aur 1 million shares mein se 75% share jo ki let's say mere paas hain toh 7 lakh 50 thousand share mere paas hain aur 2.5 lakh share jo hai woh mere dost ke paas hai, jo ki represent karta hai 25% of the company. Ab mera dost kehta hai ki yaar maine jo investment ki hui hai na apne naan ki dukan ke andar, us investment mein se main 50% jo hai na woh main aage apne teesre dost ko bech deta hoon, kyunki mere teesre dost ko pata hai ki yaar yeh naan ki dukan achhi ja rahi hai, iski jo management hai, Muzamil jo chala raha hai, behtareen chala raha hai, mujhe bhi ismein paisa daal ke, you know, partner banna hai aur mere dost ne us paise ko nikal ke usne apni beti ki shadi karni hai. Toh woh kya karega ki jo uske paas 2.5 lakh shares hain, usmein se 1 lakh 25 thousand shares jo hain woh apne dost ko aage bech dega, jo bhi uski price hai, uske upar woh karke bech dega aur ab kya hua, ab company mein 7.5 lakh share mere paas hain, yani ki 75% meri ownership hai, 12.5% ownership mere dost ki hai, 12.5% ownership uske dost ke paas hai. Again, koi complicated baat nahi hai, subah sham hum yahi karte hain, hamare businesses hote hain, usmein investors hote hain, different log aage piche invest kar lete hain, hum sara locally hum sab yeh kaam already kar rahe hain. Yahi kaam on a much higher level stock market pe ho raha hai. Mukhtalif companies hain, un companies ne different apni jo ownership stakes hain, woh market mein unhone diye hue hain aur woh jo shares hain, woh ek share hai company ka, company ki ownership, yani ki aap jab kisi company ka ek share lete hain toh aap us company ki ownership ka ek tukda apne paas rakh rahe hote hain. Ab agar woh company profitable hogi toh woh aapko dividends degi aur overall jaise jaise company ka size badhta jayega kyunki company ke shares jo hote hain na woh limited hote hain, woh yeh nahi hota ki woh apni marzi se shares, you know, naye shares bana le, toh jitni ownership aapke paas hai woh aapke paas utni hi rehti hai. Toh jaise jaise company grow karegi overall toh uske share ki value badhti jayegi. Khair yeh bada complicated hai, main ek puri dedicated video karunga on how stock markets work, kyunki mujhe yeh lagta hai ki Pakistan mein a lot more people need to be invested into the stock market, but that's for another day. Is waqt mein jo main samjhane ki koshish kar raha hoon woh yeh kar raha hoon ki dekhein hum log apni life mein bahut cheezon mein bahut busy hote hain aur hamare paas woh insight nahi hoti to be able to make the relevant right investments at the right time. Especially jab hum mein se bahut zyada log apne apne businesses khade kar rahe hote hain. Main khud aapko apni misaal deta hoon, maine apne Instagram ke upar ek basic sa survey kiya, jismein maine logon se pucha ki yaar aap logon ke paas savings hain, nahi hain, kitni hain, ek limits bata di aur maine un logon se pucha. Jab maine total amounts ko add up kiya, yeh main bata raha hoon mere paas us waqt koi takreeban 1 sawa 1 lakh followers the aur un followers mein se takreeban koi 10-15 thousand logon ne survey mein participate kiya. Un logon mein se jo total cash available tha na, matlab ki kitni savings thi, 1 lakh, 2 lakh, 4 lakh, 5 lakh, yeh sara ka sara aggregate karein toh roughly around 5 arab rupaye ban raha tha. Achha phir maine logon se pucha ki yaar is cash ka aapne kya karna hai? Zyada tar logon ne bola ki ya toh hum sambhal ke rakh rahe hain, bas pada hua hai hamare paas, ya woh keh rahe the ki yaar humne koi restaurant kholna hai ya woh keh rahe the ki humne koi chota business karna hai. Achha mazedar baat yeh hai ki woh restaurant jo kholne ki baat kar rahe hain, zyada tar log jo restaurant kholne ki baat kar rahe hain, 98% of all restaurants, all of them, fail. So woh cash pura ka pura basically woh 60, 70, 80 lakh rupaya badi mushkil se jama kiya, woh jaake lagaya, pehla experience tha business karne ka, logon ne aake sahi shadeed bewakoof banaya, zaleel kiya, aapka business thap, paisa sara zaya. Ab isi situation ke flip side ke upar dusri fursat mein log kya karenge? Woh kahenge ki yaar achha mere paas yeh paisa hai, main jata hoon main kisi janne wale ke paas jaake woh paisa lagata hoon, maslan mera koi mamu hai ya mera koi bhai-behen hai jo ki keh raha hai ki yaar main na restaurant khol raha hoon, tu bhi mere saath laga le, ware nyare ho jayenge. Ya uska already restaurant hai, woh keh raha hai yaar paise laga, tu invest kar, paise behtareen ho jayenge. Achha masla yeh hai behan bhaiyon ke ya chacha ya doston ke business mein invest karne mein ki yaar aap na ek trust ke upar kar rahe hote hain, aapko dedh rupaye ka nahi pata ki wahan pe kya kaam ho raha hai, uske numbers kya hain, uski accounting kya hai, aapke paas zero transparency hai aur more often than not hota yeh hai ki aap uske usmein business mein paise lagate hain, woh business jo hai woh chalta nahi hai, koi problems aa jati hain aur woh business thap ho jata hai aur aap sochte hain yaar you know what mera paisa leke bhag gaya. Toh agar mere paas opportunity hogi na, mera koi dost aayega kahega yaar main business kar raha hoon, mujhe tu aake na mere business mein 50 lakh rupaye laga de, main kabhi bhi uske business mein paisa nahi lagaunga. Kyunki woh ek toh dost, yaar, behan, bhai, apna jo family member hota hai na usse toh waise hi banda jo hai woh ek business relationship banata hai, usse puchte hue ki yaar mujhe zara accounting dikhao apni, tum paise kahin extra kharch toh nahi kar rahe, yeh woh, woh karte hue thoda sa sharminda feel karta hai, apni ek relationship hoti hai. Dusra yeh ki koi transparency nahi hoti na, mujhe koi idea hi nahi hai ki woh kya kar raha hai, kya nahi kar raha, meri woh relationship kyunki meri ek personal relationship hai, it will always stop me from asking the right questions. On the other hand, mujhe pata hai ki Pakistan mein bahut saare businesses hain, bahut bade-bade businesses hain jo ki mujhe pata hai ki Pakistan ke smartest log un businesses mein kaam kar rahe hain. Main unmein kyun na invest karun? Again, for example, kuch businesses aapke samne honge, bachpan se bade hone tak aap dekh rahe honge, Unilever ho gaya, Engro ho gaya, aisi bahut saari products ho gayi jo ki aap dekhte hain, aapko pata hai woh exist karti hain, woh 10 saal pehle bhi exist kar rahi thi, woh 10 saal baad bhi exist karengi, woh itne bade-bade businesses hain, unko pata hai ki unhone mushkil waqt mein achhe halat mein kaise apne business ko grow karna hai. Toh mere liye bada logical hai ki I would rather invest my money in with the experts rather than with this new guy who is just starting a new business with this idea ki yaar main is paise ko 10 guna badha dunga aur hum sab mala-maal ho jayenge. Alternatively, a lot of people what they do is ki woh jate hain aur unka koi dost aata hai kehta hai yaar mere paas scheme hai, itne paise laga, 5 lakh rupaye laga, tujhe 30 thousand rupaya mahine ka milta rahega ya yeh scheme hai, file mein main laga raha hoon paisa double ho jayega. Again, crazy amount of risk, zero transparency, aapko koi idea hi nahi hai kya ho raha hai. Aur jaisa ki maine aapko bataya ki Pakistani businesses is wajah se duniya mein compete nahi kar pa rahe kyunki yahan par savings aur investments ka culture hi nahi hai. Hum tamam log apni day-to-day ki mazey banate hain, na toh hamare businesses ko shauk hai ki woh apni ownership kisi ke saath share karein, apni success kisi ke saath share karein aur na logon ko shauk hai ki yaar jo successful aadmi hai main usi ko help karun ki woh mazeed upar jaye, bajaye iske ki main dekhun yaar us bande ki naan ki dukan achhi ja rahi hai na yahan par, main aisa karta hoon main uske competition khol leta hoon uske bilkul saath. Ab usse khuda yeh hai na woh achha chal pata hai, na woh achha chal pata hai. Usse behtar hai yaar us naan ki dukan wale ke paas jayein, usko bolein ki yaar tune paisa lagaya, main bhi paisa lagata hoon, tujhe pata hai tune kis tarah se ek achhi successful dukan yahan pe banayi hai, tu mera paisa le aur kahin aur jaake isi tarah ki successful naan ki dukan chala, taake overall business grow ho. Paisa mera consolidate hoga, competition nahi hoga, collaboration hogi. So anyways, yeh ab hona hi hona hai. Eventually ab humne competition se hatke collaboration mein jana hai aur agar hum investments ki baat karein toh usmein collaboration kaise hogi? Jin logon ko already achha business karna aa gaya hai, jin logon ke woh structures ban gaye hain jismein woh ab growth ko low cost pe achieve kar sakte hain, woh jayenge aur jaake apne aap ko list karenge aur list karke market jo hai woh un companies mein invest karegi aur us paise se woh jaake apni growth ko fuel karenge. So personally, maine takreeban do dhai saal pehle main is space mein aaya, maine isko understand karna shuru kiya aur maine yeh realize kiya ki yaar agar main khud kuch bhi nahi kar sakta, do dhai saal pehle mujhe nazar aa gaya tha ki Pakistan ki jo local economy hai, usne ab ek crash ki taraf jana hai, toh mujhe samajh aa gayi thi ki yaar achha eventually dollar-based businesses ne chalna hai, jo aapke import-based businesses hain unke halat thode se tight honge is waqt. And so maine ek badi basic si soch nikali aur maine kaha yaar kaunse aise businesses hain jo ki dollar-based kaam kar rahe hain, koi IT companies hain, koi export companies hain, woh ek meet the meat company hai, toh organic meat company, the meat company hai pata nahi, jo ki jinka total dhanda hi yeh hai ki ji hum meat ko export karte hain Middle East and so on. Ab mujhe pata hai yaar unhone export karna hai, Pakistani PKR ki value gire, upar jaye, usse kya hi farq padta hai, unhone export karte rehna hai, inka revenue dollar mein aana hai, inka jo total overall revenue, growth, profitability so on and so forth, woh protected rahegi is market crash ke andar aur woh yahi hua ki pichle do dhai saal ke andar agar aap jaake dekhein toh jitni bhi yeh dollar-based companies hain, IT companies hain ya export-oriented companies hain, unka scene sahi hai, woh stable hain, unko koi tension nahi ho rahi. So anyways, long story short, stock markets ko dekhein, agar main kahunga ki is waqt agar main kahin pe paisa dalna chahunga toh main stock market mein dalunga kyunki stock market already kyunki market unstable hui hui hai toh already jo majority investors hain woh spook hue hue hain, toh stock market ki prices personally I think badi achhi hain is waqt Pakistan mein aur agle do-teen saal mein jab hum stability se wapas growth ki taraf jayenge toh aap dekhenge ki yeh jo overall stock market hai woh bahut zyada rise karegi, usne basically normalize hona hai, usne apni base value pe aana hai, abhi woh undervalue hui hui hai. And so I personally think a lot more Pakistanis need to invest into stocks. Again, main day trading ki baat nahi kar raha, main stock investments as a life skill ki baat nahi kar raha, main sirf yeh keh raha hoon ki yaar aapka agar cash pada hua hai na, faltu pada hua hai, toh aap usko jaake stocks mein lagayein, soch samajh ke lagayein, dekhein ki kaunsi company aapko lagta hai ki woh sustain kar sakti hai, woh grow kar sakti hai, lekin uske andar laga karke bhool jayein. Toh aapko do-teen-char saal mein overall aapka jo inflation protection hai woh bhi aapko milegi, aapko growth bhi milegi, subah sham agar aap dekhenge ki oh ji ab down ho gayi, oh ji ab up ho gayi, toh zahir hai aap anxiety mein jayenge, lekin overall agar main cash ki value ki baat karoon toh cash burn hota hai, cash jo hai woh devalue hota hai, whereas stock jo hai woh in the longer run na sirf protect karta hai apne aap ko inflation se, balki woh growth bhi laake deta hai. Achha ab zahir hai iske upar aapke sawalat aa rahe honge ki yaar yeh main kaise karun, maine toh pehli dafa suna hai iske bare mein aur itni tension ho rahi hai. Toh again ek toh bahut zyada YouTube ke upar aapko videos milengi, Google karna shuru karein, you know, what are stocks, what stocks to buy, how to go about it. Personally, main pichle do dhai saal se I have been using Sarmaya, Sarmaya is a great platform, wahan par sara data available hai, tamam companies ka data available hai, aapne agar yeh dekhna hai ki unki overall stock performance kaisi rahi hai different companies ki, woh bhi aapko mil jayega, agar aapne industry specific companies dekhni hai ki yaar poultry mein kaunsi companies hain, telecom mein kaunsi companies hain, oil and gas mein kaunsi companies hain, woh bhi aapko mil jayengi, aapko jitna bhi real-time market ka data hai woh sara ka sara unki website pe mil jayega. Dusri jo major cheez hai woh yeh hai ki stock market mere hisaab se agar aap west mein jayein na toh aap dekhenge almost 90% of their population is one way or the other invested into stocks. Yeh ek aisi cheez hai jo ki har insaan ko kahin na kahin stock market mein invest hona hi hona hai, aaj nahi bhi ho rahe na, do saal, char saal, paanch saal baad yeh hogi puri population kyunki investments aisi hoti hain, hum apna paisa uthate hain, utha ke usko zaya kar dete hain, ya pade rehne dete hain, ya ek stupid se business mein laga ke usko burn kar dete hain. Long term mein hoga yeh ki quality ki companies emerge karengi aur woh companies apne aap ko list karengi aur phir eventually aap unka share lenge. Toh yeh mere hisaab se na stock market ki investments is a life skill, it is a skill that everybody should know. Har Pakistani ko yeh skill honi chahiye hai. Mujhe bhi bade late pata laga, main koi takreeban 30-31 saal ka tha jab mujhe pata laga achha yaar Pakistan mein bhi ek stock market exist karti hai, bahar ka toh hum sunte rehte the ki yaar Microsoft ka stock aisa ho gaya, Tesla ka stock aisa ho gaya, but Pakistan ka mujhe seriously pata laga. Growing up toh bas walid sahab ne bol diya stock market mein kabhi invest nahi karna toh phir humne kabhi dekha hi nahi, but jab mujhe pata laga toh Laik bhai, who is the CEO and founder of Sarmaya, he came on the podcast, unhone mujhe apne platform ke bare mein bataya, unhone apni ek training bhi mujhe karwayi, technical analysis masterclass wali, jo ki Faraz bhai ne deliver ki thi, it's a remarkable training, usne mujhe mera pura mind completely khol diya ki stock market ke andar kis tarike se investments hoti hain, logon ke emotions kis tarah chalte hain, agar aapne ek investor banna hai toh this is a great training. Like yeh mehangi hai, I will be very honest, unki I think do trainings hain, capital market fundamental jo ki aapko pura batati hai ki stock market ko aapne dekhna kis tarah hai, stock market ko ya forex market ko, kisi bhi cheez ko dekhna kis tarah hai, aapne kaise judge karna hai ki yeh achhi company hai, yeh buri company hai, market ke halat ko madd-e-nazar rakhte hue aapko kaise pata lagega ki yaar is company mein paisa dalunga toh long term mein mujhe paisa wapas laake degi. Dusri jo technical analysis wali hai, maine jo personally li thi, us pe yeh woh aapko batate hain ki yaar aapne kis tarike se apni investments ko manage karna hai, aapne kab buy karna hai, aapne kab bahar nikalna hai usmein, aapne kab woh how do you time your investment and multiply your money? It's a very, very, very useful life skill. Main uski link daal dunga niche, maine aaj unko subah message bhi kiya tha ki agar meri jo followers aa rahe hain agar aap unko koi discount de sakein, toh unhone yeh code mujhe bana ke diya hai, Dil Ki Baat 10, yeh main yahan pe appear bhi karwa dunga toh aapko 10% discount mil jayega. But again, it's an expensive training but it will tell you everything you need to know about investing in the stock market, in forex market, in crypto market, basically jitni bhi yeh trading related aapki jo investing skills hain, woh aapki sharpen ho jayengi aur phir eventually I think personally puri zindagi aapki istemaal honi hai, toh you can check that out. But anyways, stocks, very, very important, everybody should be invested into stocks in Pakistan, they are super cheap, they are at a discount right now aur medium term pe aapko yeh inflation se bhi protect karenge, yeh aapko jitne bhi jhatke lag rahe hain unse protect karenge, so definitely check it out. about this for two very simple reasons. Long term ke upar Pakistan ki population bahut rapidly grow kar rahi hai, Pakistan mein bahut badi youth hai, jo ke ab educate ho rahi hai, jo ke eventually freelancers ban rahe hain, jo ke bahar ke export driven cheezon mein kaam kar rahe hain, woh dollar mein kamayenge. Woh jaise jaise bade honge, unki shadiyan hongi, unhone eventually apne joint family chote gharon se nikalna hai aur apne ghar khareed rahe hain. Toh Pakistan ki is waqt property incredibly undervalued hai. Again, zameeno ko bhool jayein, zameeno se jaan chudayein. Bakwaas cheez hai zameen. Paisa apna lagayein aisi property ke andar jahan par log rehne ki salahiyat rakhte hain. But agar main aapko thoda sa reference de sakoon, agar aap Dubai mein jate hain na, toh on average unke door daraz ilaqon ke andar aapko two bedroom ka ek apartment roughly around is waqt Pakistani rupees ke hisaab se koi 10, 12, 15 crore rupay ka mil raha hai. Usi tarah ka ek apartment Islamabad ke andar aapko mera khayal hai do, dhai, teen crore rupay mein mil jayega. Again, yeh demand supply ka problem hai. Pakistan mein is waqt price kam hai. Again, agar main cost of material ki baat karoon, cost of material by and large same hai. Haan theek hai, Dubai mein thodi extra quality cheezein lagi hui hain, smart home wagera laga hua hai, theek hai. Lekin by and large koi itna difference nahi hai. Zyada jo is mein price ka difference hai, woh demand pe hai, ke Dubai mein is waqt jitni property available hai, us se bahut zyada logon ki demand hai. Toh isi tarike se agar main Pakistan ko dekhun, Pakistan mein is waqt housing ki bahut, bahut, bahut massive shortfall hai aur yeh shortfall mere hisaab se toh abhi shuru hi nahi hua. Abhi toh jab yeh naujawan aayega, shadiyan hongi, bache honge, aaj kal ka naujawan woh wala hai bhi nahi ke woh jo hai ji joint family system mein rehta rahe aur bas woh khush rahe. Woh ab aahista aahista jaise jaise bada ho raha hai, jaise jaise uski social mobility ho rahi hai, woh ab cha raha hai ke yaar mera apna system ho, mera apna ghar ho. Woh thoda nuclear families ki taraf ja raha hai. Toh aane wale waqt mein aap dekhenge ke bahut massively demand badhegi housing ki. Toh pehla toh yeh reason hai ke agar main property mein invest karunga Pakistan mein aur maine kiya hua bhi hai, toh main apartments mein karunga, main built up spaces mein karunga, main shops mein karunga, main apartments mein karunga. Doosra reason buildings mein karne ka yeh hai ke dekhein, building kis cheez se banti hai? Building banti hai sariye se, building banti hai concrete se, building mein certain products use hoti hain, certain commodities use hoti hain. Ab agar main rupay ko rupay se nikal doon, agar main sirf us commodity ki baat karoon, toh commodity ek building ko banane ke liye aaj bhi utni hi lagegi, 10 saal baad bhi utni hi lagegi. Toh main jo invest kar raha hoon, main us commodity mein invest kar raha hoon. Main us cheez mein invest kar raha hoon ke aaj agar dhai lakh rupay ka sariya hai jis se woh building ban rahi hai, toh kal jab woh sariya jo hai na, rupee crash karega aur woh sariya 5 lakh rupay ka ho jayega, toh meri building ki value bhi usi hisaab se badhegi. So again, jo ek building bani hui hai na, woh hamesha aapko inflation se protect karegi, kyunke consumer jo hai woh aapki built up building ko hamesha compare karega ke nayi building banane ki kya cost hai aur nayi building banane ki cost ke andar hamesha zahir hai commodities ki price aayegi. Toh agar rupay ki value crash karti hai, commodity ki price upar jaati hai, toh us commodity se banayi gayi building ki price bhi automatically upar jayegi. Whereas jo zameen hoti hai na, zameen saari ki saari vibes pe chal rahi hoti hai. Theek hai, aaj vibe achi hai, aaj investor ke paas paisa hai, investor paisa daal raha hai, zameen ki price aasman pe hai. Kal investor ki vibe change ho gayi hai, ke investor ke paas paisa nahi hai, investors apna paisa kheench rahe hain, toh automatically price kam ho jayegi. Us piece of land ki koi inherent value nahi hai. Uske upar koi productivity lagi hui nahi hai. Building ke upar mazdoori lagi hai, building ke upar commodity lagi hai, us saari cheez ki cost of today versus cost of tomorrow ki value hamesha protected rahegi. And so aaj aapne invest kar liya, kal jab un cheezon ki price badh gayi, toh automatically aapki building ki value bhi badhegi. And so doosra agar main kahunga ke you want ke yaar faltu cash pada hua hai, us cash ko maine kahin lagana hai, toh I would invest into property. Ab again main yeh nahi keh raha har building. Zahir hai ke us mein aapko dekhna hoga ke yaar kaunsi building achi hai, you know nayi ban rahi hai, ache ilaqe mein hai. Yeh again iske peeche ek poori science hai. Personally, again this is not a sponsor, there is just some products that I have found jo ke achi hain, useful hain, so I thought main aapko bata doon. Hamari podcast pe aaye the Dao Proptech wale. Dao Proptech wale kya karte hain ke woh jaate hain aur jaake different building ke projects ko poora isi tarah analyze karte hain. Unka koi 25, 30 different points ka ek structure hai, jiske tehat woh identify karte hain ke ek building ki kya value honi chahiye, is it a good investment? Aur jab woh ho jaati hain, toh woh usko onboard karte hain apne platform ke upar aur phir woh aapko breakdown karke jis tarah qistein hoti hain na, toh woh us tarah qiston ke taur pe aapko woh bechte hain and you can start investing in as low as 50,000 rupees. Toh aisa nahi hota ke yaar normally jab building ki investment mein log jaate hain toh woh yeh hota hai ke yaar 2 crore rupay ki building hai. Yeh ek freelancer hai, jiske paas let's say do, chaar, 5 lakh rupay pada hua hai, woh usko invest karna cha raha hai, toh Dao Proptech kya karta hai ke woh aapko individual square footages bhej deta hai. Yani ke woh kehta hai ke yaar main aapko 50 square foot bhej doonga for let's say 5 lakh rupay aur phir eventually let's say ke woh 50, 50, 50 different square foots jo hain woh 10 logon ne khareede hain mila ke, toh woh mila ke 500 square foot ka studio apartment khud se rent pe chadhayenge aur rent pe chadhake jo uska rental income aayegi, woh un tamam 50, 50 square foot wale logon ko divide kar denge. So it's a very interesting way for retail investors to get into property because again agar hum buildings ki baat karein, toh there is actually a very good investment case into that. You can check them out as well, yahan par niche main link daal doonga. It's a very good platform, maine personally unko verify kiya hua hai. I know the people who are running it, so I can personally vouch for them. Fraud nahi hoga, do numberi nahi hogi. Baaki agar unko aapko samajh aati hai ke woh kya bech rahe hain, relevant cheez ya irrelevant cheez, toh woh aapka apna prerogative hai. But you know overall I have seen their product, it's phenomenal, the way that they do the accounting behind it. Check them out as well. Anyways, agar mere paas let's say 60, 70, 80 lakh rupay pada hua hai, main is waqt zyada nahi soch sakta ke maine kaise apna koi naya business khada karna hai, yeh karna hai ya woh karna hai, toh main basic sa kaam karunga, main jaunga us paise ko kisi building ke andar, kisi built up area ke andar main invest kar doonga because that is going to protect me from inflation and that is going to also get me some sort of an income by putting it up on rent as well in the longer run. Acha phir woh log hain jo keh rahe hain ke yaar hamare paas toh paisa hi koi nahi Muzamil bhai. Hum kya karein? Hum toh woh naukri karte hain, hand to mouth reh rahe hain, dedh lakh, lakh, dedh lakh rupay tankhwah hai aur bas wohi aa rahi hai aur mehangai itni ho gayi hai ke ab us us tankhwah pe guzara nahi chal raha. Un logon ke liye meri recommendation yeh hai ke yaar aap jo bhi kar rahe hain na Pakistan mein is waqt because Pakistani economy jo hai woh shrink kar rahi hai, woh is waqt jo hai woh ek recession ke through guzar rahi hai aur woh recession is going to get worse. So this is the time where I feel like main bilkul bhi is baat ka qail nahi hoon ke logon ko mulk se chhod ke nahi jaana chahiye. Bhai mulk ka ecosystem aapko jo opportunity provide karega, aap usi mein operate kar sakte hain. Agar ecosystem is waqt conducive nahi hai, toh aapke paas full right hai ke aap jayein aur jaake duniya mein dekhein ke kya opportunities available hain. Us mein personally main aapko kahunga ke Middle East mein bahut zyada opportunities hain, Riyadh mein, Dubai mein, is waqt yeh dono ilaqe boom kar rahe hain. I don't know aane wale waqt mein boom karenge ya nahi karenge, at this point in time toh main aapko bata sakta hoon ke wahan par bahut zyada jobs available hain, bahut zyada kaam ho raha hai aur is mein main ek cheez kahunga ke Pakistan mein people don't take LinkedIn seriously. Jab aap Middle East mein jaate hain, waise toh aap poori duniya mein jaate hain, but Middle East mein maine dekha ke wahan par bahut, bahut zyada culture hai ke har cheez LinkedIn se drive ho rahi hoti hai. LinkedIn ke upar apni profiles ko saaf suthra banayein, achi si tasveer lagayein, apne experiences ko properly mention karein, apne idhar udhar ke network ke logon ko add karein, us mein jo log relevant hain, unse apne aap ko testimonials dilwayein, taake logon ko idea ho ke acha yaar aap kya karte hain aur kitni valuable kaam karte hain. Doosra LinkedIn premium khareedein taake aapko woh inmail ki opportunity aaye toh aap logon ko reach out kar sakein, email kar sakein. Teesra jab aap job dhoondte hain toh aankhein band karke bajaye iske ke har job pe apply kar dein, try to find, try to apply on in specific jobs. Aisi jobs jo ke aapko pata hai ke aap achi kar sakte hain. Matlab yeh nahi ke yaar bas main bas job pe apply kar doon aur woh bas mujhe bula lega, nahi bulayega. Aap jaise 50,000 log aur kar rahe hain. Lekin agar aap aisi job dhoondenge na, let's say aap kisi company mein yahan par sales ka kaam karte hain Pakistan ke andar, toh aap dekhein ke yaar wahan pe sales ki kya jobs hain. Phir aap yeh dekhein ke yaar acha agar yahan par main sales ke andar kinnu aur malte bechta hoon na, toh wahan par main petrol shayad nahi bech sakta. Main aisa karta hoon ke main kinnu aur malte ki company dhoondta hoon jisko main yeh dikha sakoon ke yaar kinnu aur malte main yahan bhi bech sakta hoon na, main wahan bhi tumhare paas aake bech sakta hoon. Toh relevance dhoondhein aur phir jab relevance mil jaye, toh aap yeh dekhein ke yaar jo job hai uske hiring managers kaun hain ya uske HR ke log hain, unko phir aap LinkedIn premium use karke ek achi si personalized aap message bhejein ke yaar main Pakistan mein yeh kaam kar raha hoon, 6 saal, 8 saal ho gaye hain mujhe kaam karte hue, aapki yeh job aayi thi, I think bahut relevant hai, I think main kar sakta hoon isko ache se. You know, can we kya kya kya hum kar sakte hain? Kya hum isko expedite kar sakein ya I would love to reply for this job. Aap us tarah isko use karke aap basically uski nazron mein aa jayenge aur jo 10,000 applicants hain, aap uske applicant ke at least top ki list mein aa jayenge jismein kam az kam woh aapko interview toh kar lega. Warna hota yeh hai, bahut saare log apply karte hain, apply karke unko koi response nahi aata, phir woh kehte hain ke yaar kya bakwaas hai, yeh toh bas pata nahi wahin se logon ko hire karte hain. Obviously jinke paas opportunity hai, main yeh bhi recommend karunga ke yaar 15, 20 aisi naukriyan dhoondhein jo ke aapko lagta hai aapke relevant hain, ticket katayein, visa lagwayein, Dubai jayein, apne dost yaar ke paas rahein aur un companies mein chale jayein. Unse kahein ji main toh Dubai mein hi hoon, main aaya hua hoon, yeh aapki job hai, mujhe hiring manager se 15 minute ka interview karwa dein. 25 mein se shayad aapko 10 log toh tarkha denge, baaki jo honge woh interview le lenge, do, chaar, teen, paanch se aapko offer aa jayegi. Jitne bhi logon ko main jaanta hoon na Dubai mein, Riyadh mein, woh woh log hain jo hustlers the in a sense that they actually went out there. Ek mahine ka unhone visa lagwaya, ticket kataya, pahunch gaye aur jaake unhone kaha yaar aapki naukri hai, main karne wala hoon, main karunga, mujhe batayein. But point being ke Middle East mein opportunities hain, wahan par is waqt entry bahut aasaan hai Pakistanion ke liye. Wahan par jayein, jaake opportunity dhoondhein. Bahut saare Pakistani is waqt is zone mein baithe hue hain ke nahi yaar mera toh yeh title hai, mujhe toh jab tak itte paise nahi milenge, main toh job nahi karunga. Toh thodi si apni akad ko kam karein, thoda sa realize karein ke yaar aapki buying power bilkul tabah ho rahi hai. Is waqt aapke liye sabse zyada zaroori yeh hai ke aap apni relevant field mein, main yeh nahi keh raha field change kar lein ya main yeh nahi keh raha ke yaar bilkul hi random cheez karna shuru kar dein, but apni field mein agar aapko achi job mil rahi hai jismein acha experience hai, us mein aapko thoda sa pay cut bhi lena pad raha hai, abhi aap le lein, abhi aap us ecosystem mein enter ho jayein aur us ecosystem mein jab aap enter ho jayenge toh phir aap wahan settle hone ke baad aap bahut aaram se switch karke aap apni overall earning bhi badha sakte hain. But I would definitely urge ke agar aapke paas opportunity hai, agar aap kar sakte hain, toh definitely do look for opportunities abroad because again wahan par aap forex mein kama rahe honge toh aapko jo inflation cycle hai aap us se bhi protected honge. Aap agar akele bhi wahan pe jaate hain aur aap wahan jaake kamana shuru ho jaate hain, toh aap apni family ko bhi back home bacha lenge. Aapko tension nahi hogi ke yaar ab school ki fees itni ho gayi hai toh gaadi ka kiraya itna ho gaya hai toh so on and so forth. Aap chunke dollars ya dirhams mein bhej rahe honge toh yahan pe PKR ki value agar crash bhi karti hai toh aap protected honge effectively. Isi tarike se beyond the Middle East, I would say ke look at all the countries jahan par population age kar rahi hai. Europe mein bahut saari countries hain jahan par population bahut zyada age kar rahi hai, South Korea ke andar, Japan ke andar, in countries mein you'd be surprised ke badi opportunities exist karti hain. You just have to cut through the noise and and and look for it. I know a lot of Pakistanis in in South Korea even, jo ke wahan pe opportunities dhoond ke ghuse hue hain. So look at these countries as well. Is mein sirf ek additional cheez yeh karni padti hai ke aapko language eventually sometimes before, sometimes eventually seekhni padti hai. But agar aapne long term mein overall apne aap ko ek developed economy ki taraf lekar jaana hai, individually speaking, toh it's a very good idea to look at these countries. Yahan ki populations ab badi ho rahi hain, inko immigrants chahiye jo ke aayein aur aake wahan pe kaam karein aur unko achi tankhwah bhi dete hain. Developed economies hain, unki health bhi achi hai, unka infrastructure bhi acha hai, aapke bacchon ki padhai wagera bhi achi ho jayegi. So you can look at those as well. Of course agar aap bahar nahi ja sakte, agar aapko lagta hai woh bahut khwari hai, aap already bahut settle hue hain Pakistan mein, Pakistan mein 10 cheezein hain, ho sakta hai aapke parents ho yahan par, toh last cheez main aapko kahunga again pit pit gayi hai duniya yeh keh keh ke lekin main phir se usko repeat karunga ke digital skills acquire karein. Bahut saari digital skills exist karti hain. Agar aap for example accountant hain, main isko is tarah explain kar deta hoon. Digital skills ka matlab yeh nahi hai ke aapko IT hi karna hai. Agar aap IT kar rahe hain, well and good. But aane wali duniya poori ki poori digital ho rahi hai. Agar aap subah shaam jo hai woh baith ke ek kagaz pencil pe kaam karte hain, aapne apne aap ko laptop computer ke saath acquaint nahi kiya, aapne tools ke saath acquaint nahi kiya, toh aap bahut badi ghalti kar rahe hain. Aap apni field se relevant tamam woh technologies ko explore karein jo ke is waqt exist karti hain poori duniya ke andar. Uske andar nayi nayi cutting edge technologies aa rahi hain. Un technologies ko use karne wale bhi chahiye hote hain. Toh agar koi accountant hai toh woh duniya ki dekhe ke kaun kaun se cutting edge naye accounting softwares aa rahe hain, woh unko seekhe aur jab woh unko seekhega toh main aapko guarantee laga ke deta hoon ke poori duniya mein aisi accounting ki jobs hongi jismein us cutting edge software ke use karne wale bande ki requirement hogi. And so jab aap apni field ki relevant digital tools ko seekhte hain toh uski application jo hai woh aap globally, remotely bech sakte hain. Fiverr ya Upwork type ke aise platforms exist karte hain jahan par aap apni skills ko bech sakte hain. So it's not like a very complicated thing ke yaar nahi nahi mujhe toh IT seekhni hai, mujhe Python seekhni hai, mujhe XYZ seekhni hai. Ab aapko sirf aur sirf apni field ki relevant tools ko seekhna hai. Jo field hai woh aapko sirf aur sirf specialization de rahi hai ke yaar main accounting ko samajhta hoon, lekin accounting ko karne ka zariya jo hai ya tareeqe kaar jo hai woh ab technology change karti ja rahi hai. All you have to do is you have to learn the latest tool to do accounting. And when you learn those tools, then you can find jobs jo ke bahut saari aapko remotely available hongi and ek dafa aapne woh kar liya, zindagi aasaan. Aapne 1000 dollar bhi kisi se contract sign kar liya ke yaar main tumhara mahine ka yeh saara ka saara kaam jo hai woh 1000 dollar mein kar liya karunga toh aap dekh lein 2 lakh 80,000 rupay toh aankhein band karke aapke paas aa rahe hain. Phir dollar 300 ka gaya toh aapko 3 lakh 50,000 rupay milna shuru kar denge. Agar woh dollar 500 ka jayega toh aapko 5 lakh rupay milna shuru kar denge. Aap apne aap ko protect kar lenge. Toh digital skills seekhein aur apne aap ko globally bechna shuru kar dein. Main kyun keh raha hoon digital skills? Because abhi aap dekhenge ke America aur Europe ki economies jaise jaise recession mein ja rahi hain na, toh wahan pe aap already sun rahe honge. Google mein joblessness, 12,000 banda Google nikal raha hai, toh Amazon itne bande nikal raha hai, toh Facebook itne bande nikal raha hai. Dekhein jab economy ki halat tight hoti hai na, toh phir businesses jo hain na woh phir kehte hain ke yaar humein saste mein ab kis tareeqe se hum apne business ko chala sakte hain saste mein is waqt. Aur saste ka wahid tareeqe kaar yeh hai ke yaar jo gora jo charge kar raha hai na, 2, dhai lakh dollar leta hai woh. Uske ewaz agar unko koi 50, 60,000 dollar mein Pakistani mil raha hai, jo ke usko 90% bhi kaam karke de de, so that business is going to begin to choose that option. And so I personally think ke even though economies recession mein hain, I think offshore ka kaam jo hai woh grow karega aane wale dino mein. Particularly because hum jo hai woh price point ke upar compared to a local employee, hum unko behtar rate de sakte hain. Toh agar aap baithe hain aur aapki ek naukri hai aur aap soch rahe hain ke yaar left, right duniya tabah hoti nazar aa rahi hai aur mujhe toh samajh nahi aa rahi main apne aap ko kaise bachaunga, main apni job ko kaise bachaunga, main apne bacchon ka school kaise bachaunga aur aapke paas koi paise nahi hain ke aapne stock property mein invest kar liya ya aap is waqt apne ghar se nikal ke bahar nahi ja sakte, Dubai shubai, toh main ek basic si sabse aasaan cheez jo aapko bata raha hoon woh yeh hai ke yaar apni hi field mein dekhein ke is waqt cutting edge kya ho raha hai, kaunsi tool, kaunsi technology istemaal ho rahi hai aapki field ke andar, aapki field ko optimize karne ke liye. Woh tool, woh technology seekh lein aur woh seekh ke phir aap jayein aur jaake different different platforms ke upar apni skills ko bechna shuru karein. Again, iske upar freelancing ki skills ke upar main ek detailed video karunga ke uske aur optimize tareeqe kya hote hain, kaise aap jaake actually dekh sakte hain ke demand kin skills ki hai taake phir aap wohi specific skill seekhein. Once you've learned those skills toh kaise aap apne aap ko behtar monetize kar sakte hain. Iske market mein bahut saare interesting courses bhi exist karte hain. But in the age of technology, agar aap padhe likhe hain, agar aap angrezi bol sakte hain, agar aapke paas ek bachelor's ki degree hai aur agar aap wohi 50, 60, 70,000 ki naukri kar rahe hain, 1 lakh ki naukri kar rahe hain, Pakistan mein baithe hue, toh phir main yahi kahunga ke yaar aapko thoda sa mehnat karni chahiye aur apne aap ko digitally bechna chahiye kyunke aap bahar, honest to God, aap sochein na, aap 1 lakh rupay kama rahe hain, aap kisi ko 500 dollar ka bhi bechenge na, matlab America ke andar jahan par average jo pay hai woh takreeban koi 6, 7,000 dollar hai, average ya matlab ke unka aam aadmi itna kamata hai, unka koi acha aadmi itna nahi kamata, acha aadmi toh 2, dhai lakh dollar kama raha hai. Us bande ko jab aap offer karenge ke yaar main 500 dollar mein tumhara mahine ka kaam kar deta hoon, woh 500 dollar uske liye toh kuch bhi nahi hai, peanuts hain. Whereas aapke liye woh 1 lakh rupay ki tankhwah ke bajaye woh dedh lakh rupay ki tankhwah aankhein band karke hai. Phir 500 ko 1000 karein, woh 1 lakh rupay ki tankhwah ke ewaz 2 lakh 80,000 rupay ban jaata hai is time ke upar jo ke aane wale dino mein aur zyada ho jayega. Toh bajaye iske ke local dhanda karein, local e-commerce ka business banayein, local naukri dhoondhein, aap apni skills ko istemaal karein, internet ko istemaal karein aur duniya walon ko bechein aur dollar apne liye bhi lekar aayein aur apni qaum ke liye bhi lekar aayein. But anyways, yahan par main video khatam karta hoon. Yeh saari ki saari toh jo meri understanding of how we can protect ourselves, not just protect ourselves but also as we go towards this direction, toh overall Pakistan ka jo solution bhi isi direction mein hai. Toh maine socha woh main aap se share kar doon. If you have any better thoughts, if you think there are other ways that you know people can invest money into something that is stable, not too risky, koi ponzi ya MLM scheme nahi hai ya agar woh log apna time invest karke aapko lagta hai ke certain skills ki taraf ja sakte hain ya certain jobs ki taraf ja sakte hain ya aap overseas Pakistani hain aur aapko left right opportunity nazar aa rahi hai jo ke aapko lagta hai ke aapke brother Pakistani jo hain woh avail kar sakte hain toh comment section mein zaroor aake bataiyega. Let's help each other out, let's build a community that can sustain ourselves during these tough times. Aur agar aapne abhi tak subscribe nahi kiya toh please subscribe zaroor kar lijiyega. Mujhe bada dukh hota hai ke hamare bade saare viewers aate hain, video dekhte hain, aage nikal jaate hain toh subscribe baraye karam zaroor kariye ga. Mera target hai ke main 3 lakh subscriber tak pahunch jaun. I think I'm hoping ke is video ke baad main pahunch jaunga. Hamare tamam patrons jo ke hamein help aur support karte hain, unka behad shukriya. Agar aap bhi overseas Pakistani hain aur hamein support karna chahte hain toh niche di gayi hui stripe ki link use karke you can help us keep on producing this content. But anyways, this was Syed Muzamil Hassan Zaidi. You're watching Dil Ki Baat. Thank you so much for watching and I'll see you in the next one.
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