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Jangan hutang kalo gabisa bayar.. Andry hakim bilang bahwa jangan berhutang untuk makan dan hal konsumtif, berhutang boleh kalau uangnya bisa berputar jadi lebih banyak, hutang itu ada dua tipe, good debt dan bad debt. 📍Beban Tanpa Nilai Tambah Makan adalah kebutuhan rutin. Jika untuk makan saja harus berhutang, artinya ada masalah mendasar pada arus kas (cash flow). 📍Depresiasi Instan Barang konsumtif (baju, gadget terbaru, atau makanan mewah) nilainya langsung turun atau bahkan hilang setel...
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