SANDIAGA UNO: Pelajaran Penting Soal UANG Yang Ga Diajarin di USIA 20 #UnscriptedbyTheresa

This is one of those podcast conversations about Mr. Sandi's journey that not many people know about, because he's been through the wringer. Imagine going bankrupt during the '97 crisis, getting a margin call, and even having to pawn his wife's jewelry and his in-laws' land certificates to survive. In this episode of #Unscripted, I chat with Mr. Sandi about his journey from being an employee earning 450,000 rupiah to building Saratoga. This isn't just financial advice; it's a lesson in integrity, how to bounce back from fatal failure, and the importance of a mother's prayers behind success. #theresalearns #unscripted #sandiagauno #personalfinance #investment #sandiuno #youngchild #age20 #genz Chapters: 00:00 Intro and Teaser 02:21 First Salary of 450,000 Rupiah 03:17 The Frugal DNA of an Employee 06:51 Transitioning from Employee to Entrepreneur 07:40 Fatal Lifestyle Mistakes of Young People 08:46 The Power of Compounding Interest 10:42 Financial Discipline = Non-negotiable 13:49 My Wife Was My First Investor 21:51 Indonesia's Fundamental Opportunities in 2026 22:45 Survive, Revive, Thrive 24:18 The Importance of a Mentor 27:37 Dare to Fail to Succeed Big 29:09 Differences Between the 90s and Today's Markets 30:58 Traditional Business vs. Modern Technology 35:54 Start Early, Fail Early, Learn Early 41:39 Mr. Sandi's Honest Views on Crypto 43:29 AI Ethics and the Future of 2030 50:55 Conclusion Also, thank you to Voffice and Hellolive for making this podcast possible.   / voffice     / hellolive.id   Socials: Instagram:   / theresalearns   TikTok:   / theresalearns