In NEW GEN INVESTOR EP.13, actor Got Jirayu recounts how he went from earning money through acting without a way to manage it to building a system that assigns money to different goals. This article presents his personal account; the details of his finances have not been independently verified.
Income Arrived in Chunks, but There Was No System
Got says that early in his career, income came in occasionally from individual jobs. He did not divide it by purpose or track how long each payment needed to last. A large payment could feel like a lot of money even though it had to cover expenses for several months.
In the interview, he recalls borrowing to buy things such as a phone or a car and spending in ways that allowed debt to build up. This is his personal account, not an independently audited debt figure, and it should not be compared directly with another person’s financial situation.
The Idea of Dividing Money into Six Accounts
After realizing that his previous approach was not working, he says he began assigning money to accounts by purpose. The interview transcript describes six groups:
- Essential expenses: Cash for recurring costs such as housing, water, and electricity.
- Investments: Money set aside for future goals. The interviewee does not recommend a specific product or asset in this section.
- Personal spending: A budget for travel, food, and experiences with family, giving discretionary spending a clear boundary.
- Long-term savings: The conversation mentions insurance and health as long-term priorities.
- Education and skill development: Learning or equipment for personal development, such as acting, music, or writing.
- Giving: Money for charitable giving or sharing, according to the owner’s intentions.
These categories are the system he chose; they are not a list everyone needs to copy. The transcript also says that the proportions can change with income and upcoming needs. Do not treat any figures mentioned as a standard formula, especially because the written transcript may contain inaccuracies.
What the System Is Intended to Do
The point of his story is not to open exactly six accounts. It is to decide in advance what each part of incoming money is for. Separating everyday spending, future goals, and personal spending can make each purpose easier to see. The interviewee says that repeating the process helped him build a habit and feel more at ease, but it does not guarantee debt repayment or investment returns for everyone.
He also says that the proportions do not have to stay fixed. If one category grows beyond the plan, it can be reviewed and reallocated to match goals such as family responsibilities, caring for parents, or future spending plans.
How to Try the Idea
If you want to try a similar approach, it is safer to start with your own figures than to copy someone else’s percentages. The Stock Exchange of Thailand describes financial planning as starting with a record of income and expenses, then setting savings and investment goals that fit your income and risk tolerance.
- Record actual income and expenses for at least one full income cycle.
- Separate required payments from flexible spending, and check whether you have an adequate emergency reserve.
- Choose categories that fit your goals; you can use more or fewer than six.
- Set amounts you can sustain and review them when income, debt obligations, or family goals change.
Separating accounts is a way to organize cash flow. It does not tell you what insurance to buy or what to invest in. Consider coverage, terms, liquidity, time horizon, and risk separately when evaluating financial products.
Frequently Asked Questions
Does everyone need six accounts?
No. Six accounts are the framework Got Jirayu describes in the interview. You can adjust the number and names to fit your income, obligations, and goals.
Should I use the same percentages as the video?
No. The interviewee says his proportions changed over time, and the transcript has accuracy limitations. Treat the approach as an example of organizing goals, then work from your own income and expenses.
Is this investment advice?
No. This article summarizes a personal approach to organizing money by purpose. It does not recommend an asset, product, or investment portfolio.
Sources
- NEW GEN INVESTOR EP.13: Got Jirayu, from debt to six savings accounts — this article uses a saved written transcript; the recording itself has not been independently checked.
- Stock Exchange of Thailand: Financial planning — general guidance on tracking income and expenses, setting savings and investment goals, and considering liquidity and risk.