Tahun Baru Tanpa Utang ft Ayyi Hidayah

·21 min·2 clips

If your debt increases in the new year, financial expert Ayyi Hidayah says something is wrong with your lifestyle or management.

The episode begins with host Sarah Ariyanti introducing the topic of debt in the context of New Year resolutions. She is joined by guest Ayyi Hidayah, a financial expert from CNBC Indonesia. They establish that increasing debt in a new year is abnormal and indicates problems with lifestyle or financial management. The conversation moves to practical advice, starting with how to audit one's debt by comparing totals year-over-year. Ayyi Hidayah explains the concept of good versus bad debt, distinguishing between productive needs and consumer spending. He emphasizes the 30% rule, stating that debt interest payments should not exceed 30% of one's income, using the example of a 10 million IDR salary capping interest at 3 million IDR. The discussion identifies paylater services as the most dangerous type of debt due to their accessibility and frequent use by Gen Z and millennials for non-urgent purchases. Ayyi Hidayah advises using paylater only for urgent, productive needs. He outlines a debt repayment strategy, recommending to pay off the largest debt first to prevent interest from accumulating, rather than starting with smaller debts. Alternative strategies mentioned include using windfalls like bonuses for debt repayment or considering debt takeover options with lower interest rates. The episode also covers common mistakes, such as taking on new debt to pay off existing debt, which Ayyi Hidayah compares to closing a hole with another hole. Behavioral factors are addressed, including consumptive tendencies and impatience in acquiring assets. The influence of social media is highlighted, with Ayyi Hidayah warning against being swayed by influencers showcasing luxury items, which can trigger unnecessary debt. He advises viewers to enjoy such content as a hobby without emulating it if financially unfeasible. The episode concludes with warning signs that debt is becoming unmanageable, such as when debt interest exceeds 30% of income or when income can no longer cover daily expenses. Ayyi Hidayah suggests selling assets to stop financial bleeding in severe cases. Sarah Ariyanti wraps up by encouraging listeners to reduce debt and be cautious of social media influences in 2026.

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