On Thursday, October 2nd, 2025, EKSAD Technology held an insightful internal Sharing Session with Mr. Yohanes Suatan, more affectionately known as Pak Jhon. During this session, he delivered a highly valuable topic titled “How to Manage Finances Wisely.”
In his presentation, Pak Jhon shared a powerful message:
“Wealth isn’t about the size of your salary. Someone with a large income won’t necessarily be rich if they don’t know how to manage their money. Conversely, someone with a small income can become rich if they manage it properly.”
This statement sparked an engaging discussion among the EKSADians in attendance, including an interactive Q&A session about the true definition of being “wealthy.”
According to Pak Jhon, wealth means having the freedom to do anything that does not violate the law or religious norms — without having to exchange your time for money, anytime and in any situation.
Emergency Fund First, Then Investment
Pak Jhon emphasized that the first step in financial management is securing an emergency fund. This fund serves as a financial safety net in case of unexpected events such as job loss, medical emergencies, or urgent needs.
He further explained that an ideal emergency fund should amount to six to twelve months’ worth of monthly expenses, and should be stored in liquid forms such as savings, gold, or fixed deposits — and must not be used for other purposes.
Only after this emergency fund is in place should one begin investing, based on personal goals and risk profile. This approach ensures financial stability even in unforeseen circumstances, while allowing investments to continue running optimally.
Setting Clear Financial Goals
Setting financial goals is not just about defining a target number, but also about understanding the meaning behind each goal — whether it’s to buy a house, prepare for children’s education, or achieve financial freedom in retirement. All of these require careful and realistic planning.
With a clear purpose in mind, every spending decision becomes more focused, as we know exactly what we’re working toward. Measurable goals also help shape the right strategies — when to save, when to invest, and when to adjust your lifestyle to stay aligned with your long-term plan.