{"id":7312,"date":"2020-08-24T15:21:19","date_gmt":"2020-08-24T08:21:19","guid":{"rendered":"https:\/\/ilovelife.co.id\/blog\/?p=7312"},"modified":"2022-08-05T08:07:22","modified_gmt":"2022-08-05T01:07:22","slug":"dengan-kondisi-finansial-di-masa-pandemi-perlukah-financial-planner","status":"publish","type":"post","link":"https:\/\/ilovelife.co.id\/blog\/dengan-kondisi-finansial-di-masa-pandemi-perlukah-financial-planner\/","title":{"rendered":"Dengan Kondisi Finansial di Masa Pandemi, Perlukah Financial Planner?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"7312\" data-post-id=\"16785\" data-obj-id=\"16785\" class=\"elementor elementor-7312 dce-elementor-post-16785\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2af9f303 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2af9f303\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3754fe70\" data-id=\"3754fe70\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d3ada60 elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"d3ada60\" data-element_type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Dengan Kondisi Finansial di Masa Pandemi, Perlukah Financial Planner?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-580d36c4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"580d36c4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-66660b5a\" data-id=\"66660b5a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6ddae7e7 elementor-widget elementor-widget-text-editor\" data-id=\"6ddae7e7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>Apabila kamu tengah menimbang perlukah financial planner, cek beberapa hal penting berikut, terutama dalam kondisi finansial di masa pandemi.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-445400ec\" data-id=\"445400ec\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-506bd07c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"506bd07c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-72f25810\" data-id=\"72f25810\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-49f3c1be elementor-align-left elementor-tablet-align-left elementor-widget elementor-widget-post-info\" data-id=\"49f3c1be\" data-element_type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-923bafb elementor-inline-item\" itemprop=\"author\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"elementor-avatar\" src=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2020\/11\/IMG_1374.jpg\" alt=\"Picture of Sari Pranoto\" loading=\"lazy\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-author\">\n\t\t\t\t\t\t\t\t\t\tSari Pranoto\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-c496674 elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-custom\">\n\t\t\t\t\t\t\t\t\t\t|\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-c97bfc2 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>24 August 2020<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-53eaff0 elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-custom\">\n\t\t\t\t\t\t\t\t\t\t|\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-e108f8a elementor-inline-item\" itemprop=\"about\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-terms\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-post-info__terms-list\">\n\t\t\t\t<span class=\"elementor-post-info__terms-list-item\">Finance<\/span>\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-49bdf205 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"49bdf205\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9bd3c75\" data-id=\"9bd3c75\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4140b2d4 dce_masking-none elementor-widget elementor-widget-image\" data-id=\"4140b2d4\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/elementor\/thumbs\/Financial-planner-qwav4qv8lffgzbyp738jmj7rfkkk77kauc79bh1gg0.jpg\" title=\"perlukah financial planner kondisi finansial saat pandemi Astra Life\" alt=\"perlukah financial planner kondisi finansial saat pandemi Astra Life\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4a542692 elementor-hidden-desktop elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4a542692\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-408540bf\" data-id=\"408540bf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-705138b5 elementor-align-left elementor-tablet-align-left elementor-widget elementor-widget-post-info\" data-id=\"705138b5\" data-element_type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-923bafb elementor-inline-item\" itemprop=\"author\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"elementor-avatar\" src=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2020\/11\/IMG_1374.jpg\" alt=\"Picture of Sari Pranoto\" loading=\"lazy\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-author\">\n\t\t\t\t\t\t\t\t\t\tSari Pranoto\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-c496674 elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-custom\">\n\t\t\t\t\t\t\t\t\t\t|\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-c97bfc2 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>24 August 2020<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-53eaff0 elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-custom\">\n\t\t\t\t\t\t\t\t\t\t|\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-e108f8a elementor-inline-item\" itemprop=\"about\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-terms\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-post-info__terms-list\">\n\t\t\t\t<span class=\"elementor-post-info__terms-list-item\">Finance<\/span>\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6ebf3410 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6ebf3410\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-600bd934\" data-id=\"600bd934\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-30cbe278 elementor-widget elementor-widget-text-editor\" data-id=\"30cbe278\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Urgensi memakai\u00a0<em>financial planner<\/em>\u00a0untuk membantu membenahi permasalahan keuangan pribadi akan berbeda-beda dan ditentukan dari banyak faktor. Apakah yang tengah menghadapi masalah utang otomatis membutuhkan jasa perencana keuangan?\u00a0Perlukah\u00a0<em>financial planner<\/em>\u00a0ketika kita hendak merencanakan dana pendidikan anak? Apabila kamu saat ini tengah menimbang untuk memakai jasa\u00a0<em>financial planner<\/em>, kamu bisa mengecek beberapa hal penting di bawah ini terutama dalam kondisi finansial\u00a0di\u00a0saat pandemi.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3ff9da61 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3ff9da61\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7ebf346d\" data-id=\"7ebf346d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1f25953b elementor-widget elementor-widget-heading\" data-id=\"1f25953b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kamu perlu financial planner bila\u2026\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-69916f14 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"69916f14\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3ebbb09b\" data-id=\"3ebbb09b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3cbc710b elementor-widget elementor-widget-text-editor\" data-id=\"3cbc710b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Seorang\u00a0<em>financial planner<\/em>\u00a0atau perencana keuangan merujuk pada profesional yang membantu individu atau keluarga dalam menghadapi berbagai masalah keuangan melalui berbagai perencanaan keuangan yang bijaksana. Jasa perencana keuangan bukan sebatas membantu kamu mengatur atau manajemen arus kas, kebutuhan dana pendidikan anak, melainkan juga membuatkan strategi keuangan kebutuhan masa pensiun dan perencanaan investasi. Selain itu, perencana keuangan juga bisa membantu kamu menyusun strategi manajemen risiko dan perencanaan asuransi, perencanaan pajak hingga perencanaan distribusi kekayaan\u00a0<em>(estate planning)<\/em>.<\/p><p>Ibarat seorang dokter, perencana keuangan bisa melakukan diagnosa penyakit keuangan secara menyeluruh dan dari sana memberikan resep yang dibutuhkan.\u00a0<em>Nah<\/em>, kapan seseorang membutuhkan jasa\u00a0<em>financial planner<\/em>? \u00a0Mengacu pada analogi tersebut, kamu membutuhkan\u00a0financial planner\u00a0ketika kondisi keuangan cukup sulit kamu tangani sendiri. Keuangan yang hanya \u201csakit flu\u201d mungkin bisa kamu carikan solusi sendiri. Tapi, ketika keuangan menderita sakit yang sudah butuh penanganan khusus, tentu membutuhkan obat dan resep khusus dari profesional\u00a0financial planner.\u00a0Berikut ini\u00a0<em>checklist\u00a0<\/em>yang bisa dicermati untuk menilai\u00a0perlukah \u00a0<em>financial planner<\/em><strong><em>\u00a0<\/em><\/strong>untuk kondisi keuangan kamu.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3320c106 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3320c106\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-20a15071\" data-id=\"20a15071\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-756e8ee1 elementor-widget elementor-widget-heading\" data-id=\"756e8ee1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1. Kamu menghadapi dilema keuangan yang sulit\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6bb8af elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6bb8af\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5314ba97\" data-id=\"5314ba97\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7b04f89c elementor-blockquote--skin-border elementor-blockquote--button-color-official elementor-widget elementor-widget-blockquote\" data-id=\"7b04f89c\" data-element_type=\"widget\" data-widget_type=\"blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<blockquote class=\"elementor-blockquote\">\n\t\t\t<p class=\"elementor-blockquote__content\">\n\t\t\t\tKeuangan yang hanya \u201csakit flu\u201d mungkin bisa kamu carikan solusi sendiri. Tapi, ketika keuangan menderita sakit yang sudah butuh penanganan khusus, tentu membutuhkan obat dan resep khusus dari profesional financial planner.\t\t\t<\/p>\n\t\t\t\t\t<\/blockquote>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-248d6d4c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"248d6d4c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-42f5687e\" data-id=\"42f5687e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-74deac41 elementor-widget elementor-widget-text-editor\" data-id=\"74deac41\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Dilema keuangan seperti apa yang membutuhkan \u201cintervensi\u201d seorang perencana keuangan? Contoh mudah, kamu adalah seorang\u00a0<em>sandwich generation\u00a0<\/em>karena<em>\u00a0<\/em>masih harus menanggung kehidupan orang tua dan adik. Di saat yang sama kamu ingin menjalankan rencana keuangan untuk keluarga kecil sendiri mulai dari menabung dana pembelian rumah, persiapan dana pendidikan anak hingga perencanaan asuransinya kelak.<\/p><p>Dalam konteks situasi seperti itu, kamu berisiko gagal meraih tujuan keuangan karena kesulitan mengatur arus kas yang tepat agar semua rencana keuangan bisa dijalankan. Di sini, kamu bisa memakai jasa\u00a0<em>financial planner\u00a0<\/em>untuk membantu menyusun strategi perencanaan keuangan yang paling masuk akal dan efisien.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5eed1b9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5eed1b9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4593a7ac\" data-id=\"4593a7ac\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-55b9844 elementor-widget elementor-widget-text-editor\" data-id=\"55b9844\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Baca Juga: <a href=\"https:\/\/ilovelife.co.id\/blog\/gaji-dipotong-atau-terkena-phk-bagaimana-cara-mengakali-anggaran-keluarga\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-gc-link=\"https:\/\/ilovelife.co.id\/blog\/gaji-dipotong-atau-terkena-phk-bagaimana-cara-mengakali-anggaran-keluarga\/\">Gaji Dipotong atau Terkena PHK, Bagaimana Cara Mengakali Anggaran Keluarga?<\/a><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5e89005 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5e89005\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-db387e1\" data-id=\"db387e1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7ebd65f elementor-widget elementor-widget-heading\" data-id=\"7ebd65f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2. Pendapatan kamu meningkat tapi sering kehabisan uang\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-039789f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"039789f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c1c679e\" data-id=\"c1c679e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d11e0e2 elementor-widget elementor-widget-text-editor\" data-id=\"d11e0e2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Tidak sedikit orang yang berhasil meraih peningkatan pendapatan dalam waktu cukup singkat tapi malah gagal meningkatkan kesejahteraan. Peningkatan pendapatannya justru banyak habis untuk hal-hal yang kurang jelas atau yang sifatnya konsumtif. Tidak punya dana darurat, asuransi apalagi investasi. Belum lagi mengurus permasalahan pajak yang cukup rumit.<\/p><p>Tentu sangat disayangkan bila penghasilan besar tidak terkelola dengan baik. Gunakan jasa\u00a0<em>financial planner<\/em>\u00a0untuk membantu mengarahkan pengelolaan keuangan, membuatkan kamu strategi perencanaan keuangan yang tepat sehingga pendapatan yang meningkat itu diikuti dengan peningkatan nilai aset.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ca65a8d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ca65a8d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-036407f\" data-id=\"036407f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f537987 elementor-widget elementor-widget-heading\" data-id=\"f537987\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">3. Kamu kesulitan mencari asuransi sesuai kebutuhan\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9d47f5f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9d47f5f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5696aaf\" data-id=\"5696aaf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-26fb91d elementor-widget elementor-widget-text-editor\" data-id=\"26fb91d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Asuransi adalah salah satu kebutuhan finansial utama untuk memperkuat\u00a0<em>safety net\u00a0<\/em>seseorang. Namun, sering terjadi orang salah membeli asuransi yang sebenarnya kurang sesuai dengan profil keuangan dan kebutuhannya. Banyak juga orang yang kurang tepat menghitung kebutuhan uang pertanggungan asuransinya sehingga asuransi yang dimiliki justru tidak efektif memberikan proteksi.<\/p><p>Kamu bisa menimbang memakai jasa\u00a0<em>financial planner\u00a0<\/em>agar bisa mendapatkan rekomendasi netral dan profesional tentang mana produk asuransi yang tepat sesuai kebutuhan. Mulai dari\u00a0<strong><a href=\"https:\/\/ilovelife.co.id\/products\/product-life\/801?utm_source=blog&amp;utm_medium=article&amp;utm_campaign=seo&amp;utm_content=perlukah%20finansial%20planner\" target=\"_blank\" rel=\"noopener noreferrer\" data-gc-link=\"https:\/\/ilovelife.co.id\/products\/product-life\/801?utm_source=blog&amp;utm_medium=article&amp;utm_campaign=seo&amp;utm_content=perlukah%20finansial%20planner\">asuransi jiwa terbaik<\/a><\/strong>, asuransi kesehatan hingga asuransi kerugian seperti asuransi rumah, dan sebagainya.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1bf2d1e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1bf2d1e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-39c6ccf\" data-id=\"39c6ccf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6cad6c9 elementor-blockquote--skin-border elementor-blockquote--button-color-official elementor-widget elementor-widget-blockquote\" data-id=\"6cad6c9\" data-element_type=\"widget\" data-widget_type=\"blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<blockquote class=\"elementor-blockquote\">\n\t\t\t<p class=\"elementor-blockquote__content\">\n\t\t\t\tJika saat ini kamu sedang mencari asuransi jiwa, kamu bisa mempertimbangkan Flexi Life, asuransi jiwa murni dari Astra Life yang menyediakan perlindungan hingga Rp5 miliar tanpa cek medis. Selain asuransi jiwa, Astra Life juga memiliki pilihan lengkap untuk asuransi kesehatan hingga asuransi penyakit kritis.\t\t\t<\/p>\n\t\t\t\t\t<\/blockquote>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a6217ad elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a6217ad\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0fd21fc\" data-id=\"0fd21fc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ba0f9a2 elementor-widget elementor-widget-heading\" data-id=\"ba0f9a2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">4. Kamu bingung memilih produk investasi yang tepat\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6032f49 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6032f49\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9c5b3a9\" data-id=\"9c5b3a9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d40d0a5 elementor-widget elementor-widget-text-editor\" data-id=\"d40d0a5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ada semakin banyak produk investasi yang ada di pasar saat ini dengan berbagai tingkat risiko dan peluang keuntungannya. Setiap tujuan keuangan boleh jadi membutuhkan instrumen investasi yang berbeda-beda. Salah memilih instrumen investasi bisa berakibat fatal yaitu gagalnya rencana keuangan bahkan tidak sedikit yang malah terjebak penipuan investasi. Seorang\u00a0<em>financial planner<\/em>\u00a0bisa membantu kamu memilih produk investasi yang paling efisien membantu pencapaian tujuan keuangan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1b625f3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1b625f3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d8ca4f3\" data-id=\"d8ca4f3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-887a6c9 elementor-widget elementor-widget-text-editor\" data-id=\"887a6c9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Baca Juga: <a href=\"https:\/\/ilovelife.co.id\/blog\/apa-fungsi-uang-pertanggungan-asuransi-jiwa\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-gc-link=\"https:\/\/ilovelife.co.id\/blog\/apa-fungsi-uang-pertanggungan-asuransi-jiwa\/\">Apa Fungsi Uang Pertanggungan (UP) Asuransi Jiwa?<\/a><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-07c6911 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"07c6911\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f7d3415\" data-id=\"f7d3415\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b493be8 elementor-widget elementor-widget-heading\" data-id=\"b493be8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">5. Kamu paham personal finance, tapi tidak disiplin menjalankannya.\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7780d0a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7780d0a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8a09e32\" data-id=\"8a09e32\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-019535f elementor-widget elementor-widget-text-editor\" data-id=\"019535f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Kamu memiliki pemahaman yang cukup baik tentang pentingnya manajemen arus kas yang sehat, bagaimana menghitung kecukupan proteksi asuransi hingga jenis-jenis investasi yang bisa membantu tujuan keuangan. Namun, kamu sering gagal mendisiplinkan diri menjalankan rencana keuangan yang sudah kamu buat. Selain itu, kamu juga sangsi perencanaan yang kamu buat sudah cukup tepat.<\/p><p>Perencana keuangan bisa membantu kamu lebih disiplin karena selain membantu membuatkan strategi keuangan,\u00a0<em>financial planner<\/em>\u00a0juga akan memantau implementasi rencana keuangan yang telah disusun secara periodik tergantung pada masa kontrak yang disepakati.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a6de12a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a6de12a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c4958c4\" data-id=\"c4958c4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4d4b2c5 elementor-blockquote--skin-border elementor-blockquote--button-color-official elementor-widget elementor-widget-blockquote\" data-id=\"4d4b2c5\" data-element_type=\"widget\" data-widget_type=\"blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<blockquote class=\"elementor-blockquote\">\n\t\t\t<p class=\"elementor-blockquote__content\">\n\t\t\t\tPerencana keuangan bisa membantu kamu lebih disiplin karena selain membantu membuatkan strategi keuangan, financial planner juga akan memantau implementasi rencana keuangan yang telah disusun secara periodik tergantung pada masa kontrak yang disepakati.\t\t\t<\/p>\n\t\t\t\t\t<\/blockquote>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-db225cd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"db225cd\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b687f91\" data-id=\"b687f91\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-202b869 elementor-widget elementor-widget-text-editor\" data-id=\"202b869\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Baca Juga: <a href=\"https:\/\/ilovelife.co.id\/blog\/tujuan-keuangan-untuk-kamu-yang-bergaji-rp-10-juta-rp-20-juta-rp-30-juta\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-gc-link=\"https:\/\/ilovelife.co.id\/blog\/tujuan-keuangan-untuk-kamu-yang-bergaji-rp-10-juta-rp-20-juta-rp-30-juta\/\">Tujuan Keuangan Untuk Kamu yang Bergaji Rp10 Juta, Rp20 Juta dan Rp30 Juta<\/a><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-81e55d8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"81e55d8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a8dfc74\" data-id=\"a8dfc74\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3bae322 elementor-widget elementor-widget-heading\" data-id=\"3bae322\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kamu sedang mencari financial planner yang tepat? Cek dulu kriteria ini<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-72ed7ae elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"72ed7ae\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c18ae81\" data-id=\"c18ae81\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-261fdd2 elementor-widget elementor-widget-text-editor\" data-id=\"261fdd2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Memilih jasa\u00a0<em>financial planner\u00a0<\/em>perlu kecermatan supaya kebutuhan kamu memiliki rencana keuangan yang baik bisa tercapai. Apa saja kriterianya?<\/p><p><strong><em>Pertama<\/em><\/strong>, pilih yang kompeten. Salah satu cara menilai kompetensi adalah dengan melihat sertifikasi yang dimiliki\u00a0<em>financial planner<\/em>. Sertifikasi perencana keuangan ada banyak ragam, antara lain:<\/p><ol><li data-gc-list-depth=\"1\" data-gc-list-style=\"unordered\">Certified Financial Planner (CFP) dan Registered Financial Planner (RFP). Dua sertifikasi tersebut dikeluarkan oleh Financial Planning Standards Board (FPSB) yang berpusat di Denver, Amerika Serikat. CFP\u00a0merupakan sertifikasi lengkap untuk\u00a0<em>financial planner<\/em>. Sedangkan RFP hanya fokus pada ilmu manajemen risiko asuransi dan ilmu dasar-dasar perencanaan keuangan.<\/li><li data-gc-list-depth=\"1\" data-gc-list-style=\"unordered\">Registered Financial Advisor (RFA) dan Registered Financial Consultant (RFC). Dua sertifikasi itu dikeluarkan oleh\u00a0International Association of Registered Financial Consultants (IARFC).<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7de3db5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7de3db5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8fa69c4\" data-id=\"8fa69c4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-492d7d7 elementor-widget elementor-widget-text-editor\" data-id=\"492d7d7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong><em>Kedua,<\/em>\u00a0<\/strong>pilih yang independen. Arti independen di sini adalah,\u00a0<em>financial planner<\/em>\u00a0tersebut tidak terikat atau terafiliasi dengan perusahaan keuangan tertentu atau memperoleh pendapatan dari penjualan\u00a0produk\u00a0keuangan atau asuransi tertentu. Dengan begitu, rekomendasi yang diberikan 100% adalah untuk kebutuhan kamu, bukan karena sebuah \u201ctitipan\u201d hendak menjual produk tertentu.<\/p><p><strong><em>Ketiga<\/em><\/strong><em>,<\/em>\u00a0lihat jam terbang dan\u00a0<em>track record<\/em>. Hindari memilih\u00a0<em>financial planner\u00a0<\/em>yang pernah berkasus, apalagi kasus pidana. Cek jam terbangnya apakah sudah cukup senior dan berpengalaman atau masih baru.<\/p><p><strong><em>Keempat,<\/em><\/strong>\u00a0pahami\u00a0<em>term and condition<\/em>\u00a0surat perjanjian kerja sama. Apa saja hak dan kewajiban masing-masing pihak, apa saja jenis jasa yang akan diberikan oleh si perencana keuangan.\u00a0Perjelas hal itu di awal sebelum menyepakati kerjasama.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0a3f379 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0a3f379\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-53805da\" data-id=\"53805da\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-87a4f3b elementor-widget elementor-widget-text-editor\" data-id=\"87a4f3b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong><em>Kelima,<\/em><\/strong>\u00a0pertegas batas wewenang perencana keuangan. Seorang\u00a0<em>financial planner<\/em>\u00a0sesuai namanya bertindak membantu kamu menyusun perencanaan keuangan, memberikan nasihat finansial, dan merekomendasikan produk keuangan yang tepat secara profesional. Tapi, seorang perencana keuangan tidak memiliki wewenang untuk mengelola dana kamu karena izinnya bukanlah sebagai manajer investasi.<\/p><p>Dengan memperhatikan hal-hal\u00a0perlukah\u00a0<em>financial planner<\/em><em>\u00a0<\/em>di atas, keinginan kamu mewujudkan keuangan yang sehat dan meraih tujuan keuangan dengan bantuan\u00a0<em>financial planner<\/em>\u00a0bisa tercapai. Mudah sih, namun tetap kamu juga perlu lebih cermat ya.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-55ee790e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"55ee790e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-620025a0\" data-id=\"620025a0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-72a86ac6 dce_masking-none elementor-widget elementor-widget-image\" data-id=\"72a86ac6\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"69\" height=\"21\" src=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2020\/07\/separator.png\" class=\"attachment-large size-large wp-image-1606\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-114181ad elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"114181ad\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-52a7b999\" data-id=\"52a7b999\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3ce6687 elementor-widget elementor-widget-text-editor\" data-id=\"3ce6687\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h6>Artikel Lainnya<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-39315751\" data-id=\"39315751\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-57d5a870 elementor-align-left elementor-mobile-align-left elementor-widget elementor-widget-post-info\" data-id=\"57d5a870\" data-element_type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-3712cf5 elementor-inline-item\" itemprop=\"about\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-terms\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-post-info__terms-list\">\n\t\t\t\t<span class=\"elementor-post-info__terms-list-item\">Finance<\/span>\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2cafe68c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2cafe68c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3883aa43\" data-id=\"3883aa43\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-242bd76 elementor-hidden-phone elementor-hidden-tablet elementor-grid-3 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-posts--show-avatar elementor-card-shadow-yes elementor-posts__hover-gradient elementor-widget elementor-widget-posts\" data-id=\"242bd76\" data-element_type=\"widget\" data-settings=\"{&quot;cards_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:30,&quot;sizes&quot;:[]},&quot;cards_columns&quot;:&quot;3&quot;,&quot;cards_columns_tablet&quot;:&quot;2&quot;,&quot;cards_columns_mobile&quot;:&quot;1&quot;,&quot;cards_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;cards_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.cards\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-cards elementor-grid\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-17225 post type-post status-publish format-standard has-post-thumbnail category-asuransi category-keluarga category-tips-finansial tag-asuransi-jiwa tag-idul-fitri tag-keluarga tag-lebaran tag-liburan czr-hentry\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/ilovelife.co.id\/blog\/thr-habis-dalam-seminggu-ini-cara-agar-lebaran-tidak-mengganggu-keuangan-tahunan-kamu\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2026\/03\/THR-uang.jpg\" class=\"attachment-large size-large wp-image-17229\" alt=\"\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">Asuransi<\/div>\n\t\t\t\t<div class=\"elementor-post__avatar\">\n\t\t\t<img decoding=\"async\" src=\"https:\/\/secure.gravatar.com\/avatar\/1356803a57279903646f17dc09fafe6ea9537d9229577f5ee29078387921204d?s=128&#038;d=mm&#038;r=g\" width=\"128\" height=\"128\" alt=\"Zeidan Afriza\" class=\"avatar avatar-128 wp-user-avatar wp-user-avatar-128 photo avatar-default\" \/>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h2 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/ilovelife.co.id\/blog\/thr-habis-dalam-seminggu-ini-cara-agar-lebaran-tidak-mengganggu-keuangan-tahunan-kamu\/\" >\n\t\t\t\tTHR Habis dalam Seminggu? Ini Cara Agar Lebaran Tidak Mengganggu Keuangan Tahunan Kamu\t\t\t<\/a>\n\t\t<\/h2>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Sering merasa uang THR yang ditunggu selama setiap tahun dengan<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-author\">\n\t\t\tZeidan Afriza\t\t<\/span>\n\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t11 March 2026\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-17184 post type-post status-publish format-standard has-post-thumbnail category-aksi-lovelife category-asuransi category-mind tag-astra-life-donasi tag-asuransi-syariah tag-bulan-ramadan tag-csr tag-flexi-life-syariah czr-hentry\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/ilovelife.co.id\/blog\/ruang-kelas-sd-rusak-donasi-ramadan-3t\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2026\/03\/Image-Blog-atas-2.jpg\" class=\"attachment-large size-large wp-image-17199\" alt=\"\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">Aksi Lovelife<\/div>\n\t\t\t\t<div class=\"elementor-post__avatar\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2020\/11\/IMG_1374-150x150.jpg\" width=\"128\" height=\"128\" alt=\"Sari Pranoto\" class=\"avatar avatar-128 wp-user-avatar wp-user-avatar-128 alignnone photo\" \/>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h2 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/ilovelife.co.id\/blog\/ruang-kelas-sd-rusak-donasi-ramadan-3t\/\" >\n\t\t\t\t60% Ruang Kelas SD Rusak: Ramadan Jadi Momentum Donasi Pendidikan Lewat Asuransi Syariah\t\t\t<\/a>\n\t\t<\/h2>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Ramadan selalu identik dengan kepedulian. Bulan di mana banyak orang<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-author\">\n\t\t\tSari Pranoto\t\t<\/span>\n\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t3 March 2026\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-17153 post type-post status-publish format-standard has-post-thumbnail category-asuransi category-keluarga category-pola-makan-sehat category-tips-kesehatan tag-asuransi-jiwa-syariah tag-bulan-puasa tag-flexi-life-syariah tag-kesehatan-tubuh tag-puasa tag-ramadan tag-ramadhan czr-hentry\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/ilovelife.co.id\/blog\/bulan-ramadan-jadi-momen-reset-hidup-yang-lebih-sehat\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2026\/02\/Untitled-design-1.jpg\" class=\"attachment-large size-large wp-image-17156\" alt=\"ramadan hidup sehat dengan pola makan seimbang\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">Asuransi<\/div>\n\t\t\t\t<div class=\"elementor-post__avatar\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2020\/11\/20200409_125335-e1605249982104-150x150.jpg\" width=\"128\" height=\"128\" alt=\"Dr. Tengku Raya Sharin\" class=\"avatar avatar-128 wp-user-avatar wp-user-avatar-128 alignnone photo\" \/>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h2 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/ilovelife.co.id\/blog\/bulan-ramadan-jadi-momen-reset-hidup-yang-lebih-sehat\/\" >\n\t\t\t\tBulan Ramadan Jadi momen Reset Hidup Yang Lebih Sehat\t\t\t<\/a>\n\t\t<\/h2>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Ramadan bukan sekadar menahan lapar, tetapi momentum untuk melatih disiplin<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-author\">\n\t\t\tDr. Tengku Raya Sharin\t\t<\/span>\n\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t18 February 2026\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-17130 post type-post status-publish format-standard has-post-thumbnail category-asuransi category-health category-tips-kesehatan tag-asuransi-dasar tag-asuransi-kesehatan tag-flexi-hospital-surgical tag-gagal-ginjal tag-kesehatan-tubuh tag-sistem-pembuangan-tubuh czr-hentry\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/ilovelife.co.id\/blog\/pola-hidup-untuk-menjaga-sistem-ekskresi-pada-tubuh-kita\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2026\/02\/Image-Blog-2026-1.jpg\" class=\"attachment-large size-large wp-image-17136\" alt=\"Sistem Ekskresi Tubuh Organ Ginjal Sistem Pembuangan Tubuh\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">Asuransi<\/div>\n\t\t\t\t<div class=\"elementor-post__avatar\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2020\/11\/2019_1116_23275900-02-150x150.jpeg\" width=\"128\" height=\"128\" alt=\"Dessy Wulandari\" class=\"avatar avatar-128 wp-user-avatar wp-user-avatar-128 alignnone photo\" \/>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h2 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/ilovelife.co.id\/blog\/pola-hidup-untuk-menjaga-sistem-ekskresi-pada-tubuh-kita\/\" >\n\t\t\t\tPola Hidup Untuk Menjaga Sistem Ekskresi Pada Tubuh Kita\t\t\t<\/a>\n\t\t<\/h2>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Sistem ekskresi berperan penting dalam membuang zat sisa metabolisme dan<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-author\">\n\t\t\tDessy Wulandari\t\t<\/span>\n\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t3 February 2026\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-16947 post type-post status-publish format-standard has-post-thumbnail category-finance category-tips-finansial tag-asuransi-dwiguna tag-asuransi-jiwa tag-berhemat tag-flexi-saving tag-frugal-living tag-tips-finansial tag-tips-keuangan tag-warren-buffett czr-hentry\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/ilovelife.co.id\/blog\/tips-frugal-living-untuk-generasi-muda-produktif\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"536\" src=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2023\/12\/Tips-Frugal-Living-1024x536.jpg\" class=\"attachment-large size-large wp-image-16948\" alt=\"Tips frugal living\" srcset=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2023\/12\/Tips-Frugal-Living-1024x536.jpg 1024w, https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2023\/12\/Tips-Frugal-Living-300x157.jpg 300w, https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2023\/12\/Tips-Frugal-Living-768x402.jpg 768w, https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2023\/12\/Tips-Frugal-Living.jpg 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">Finance<\/div>\n\t\t\t\t<div class=\"elementor-post__avatar\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2020\/11\/2019_1116_23275900-02-150x150.jpeg\" width=\"128\" height=\"128\" alt=\"Dessy Wulandari\" class=\"avatar avatar-128 wp-user-avatar wp-user-avatar-128 alignnone photo\" \/>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h2 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/ilovelife.co.id\/blog\/tips-frugal-living-untuk-generasi-muda-produktif\/\" >\n\t\t\t\tTips Frugal Living Untuk Generasi Muda Produktif\t\t\t<\/a>\n\t\t<\/h2>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Frugal living,\u00a0 gaya hidup baru bagi sebagian orang khususnya untuk<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-author\">\n\t\t\tDessy Wulandari\t\t<\/span>\n\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t28 December 2023\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-16785 post type-post status-publish format-standard has-post-thumbnail category-finance tag-keuangan tag-literasi-keuangan tag-seminar czr-hentry\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/ilovelife.co.id\/blog\/seminar-literasi-keuangan-masyarakat-ponorogo\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2023\/08\/Seminar-Literasi-Keuangan-Bersama-Masyarakat-Ponorogo_4-1-1024x576.png\" class=\"attachment-large size-large wp-image-16802\" alt=\"\" srcset=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2023\/08\/Seminar-Literasi-Keuangan-Bersama-Masyarakat-Ponorogo_4-1-1024x576.png 1024w, https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2023\/08\/Seminar-Literasi-Keuangan-Bersama-Masyarakat-Ponorogo_4-1-300x169.png 300w, https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2023\/08\/Seminar-Literasi-Keuangan-Bersama-Masyarakat-Ponorogo_4-1-768x432.png 768w, https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2023\/08\/Seminar-Literasi-Keuangan-Bersama-Masyarakat-Ponorogo_4-1-1536x864.png 1536w, https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2023\/08\/Seminar-Literasi-Keuangan-Bersama-Masyarakat-Ponorogo_4-1-1110x624.png 1110w, https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2023\/08\/Seminar-Literasi-Keuangan-Bersama-Masyarakat-Ponorogo_4-1-528x297.png 528w, https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2023\/08\/Seminar-Literasi-Keuangan-Bersama-Masyarakat-Ponorogo_4-1.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">Finance<\/div>\n\t\t\t\t<div class=\"elementor-post__avatar\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2020\/11\/IMG_1374-150x150.jpg\" width=\"128\" height=\"128\" alt=\"Sari Pranoto\" class=\"avatar avatar-128 wp-user-avatar wp-user-avatar-128 alignnone photo\" \/>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h2 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/ilovelife.co.id\/blog\/seminar-literasi-keuangan-masyarakat-ponorogo\/\" >\n\t\t\t\tSeminar Literasi Keuangan Bersama Masyarakat Ponorogo\t\t\t<\/a>\n\t\t<\/h2>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Astra Life menjalankan amanah dengan meberikan paket sembako serta seminar<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-author\">\n\t\t\tSari Pranoto\t\t<\/span>\n\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t2 August 2023\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-43b1ee93 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"43b1ee93\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-610f73a1\" data-id=\"610f73a1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7aed593 dce_masking-none elementor-widget elementor-widget-image\" data-id=\"7aed593\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/ilovelife.co.id\/blog\/finance\/\" rel=\"\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"383\" height=\"77\" src=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2020\/08\/button_lihat-semua-artikel.png\" class=\"attachment-large size-large wp-image-1591\" alt=\"\" srcset=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2020\/08\/button_lihat-semua-artikel.png 383w, https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2020\/08\/button_lihat-semua-artikel-300x60.png 300w\" sizes=\"(max-width: 383px) 100vw, 383px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1f124c1b elementor-hidden-desktop elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1f124c1b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-94d6e0\" data-id=\"94d6e0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6744bee2 dce_masking-none elementor-widget elementor-widget-image\" data-id=\"6744bee2\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1131\" height=\"436\" src=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2020\/07\/dummy-banner.jpg\" class=\"attachment-full size-full wp-image-1607\" alt=\"\" srcset=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2020\/07\/dummy-banner.jpg 1131w, https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2020\/07\/dummy-banner-300x116.jpg 300w, https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2020\/07\/dummy-banner-1024x395.jpg 1024w, https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2020\/07\/dummy-banner-768x296.jpg 768w\" sizes=\"(max-width: 1131px) 100vw, 1131px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-dce-background-color=\"#E0E0E0\" class=\"elementor-section elementor-top-section elementor-element elementor-element-4d00aa2a elementor-section-stretched elementor-hidden-tablet elementor-hidden-phone elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4d00aa2a\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-2af346cc\" data-id=\"2af346cc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-62c1d595\" data-id=\"62c1d595\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-31ea1271 elementor-widget elementor-widget-text-editor\" data-id=\"31ea1271\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Tentang &#8211;<\/p><p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-1589\" src=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2020\/08\/logo_lovelife-daily.png\" alt=\"\" width=\"140\" height=\"75\" \/><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-2ff0304a\" data-id=\"2ff0304a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1d749117 elementor-widget elementor-widget-text-editor\" data-id=\"1d749117\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Kami menghadirkan cerita dan kisah hidup yang inspiratif serta tips terbaik untuk menyadarkan kita agar terus mencintai hidup.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-25885a71\" data-id=\"25885a71\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-673f66d5 elementor-nav-menu__align-center elementor-nav-menu--dropdown-none elementor-widget elementor-widget-nav-menu\" data-id=\"673f66d5\" data-element_type=\"widget\" data-settings=\"{&quot;layout&quot;:&quot;vertical&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;i class=\\&quot;\\&quot;&gt;&lt;\\\/i&gt;&quot;,&quot;library&quot;:&quot;&quot;}}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-vertical e--pointer-none\">\n\t\t\t\t<ul id=\"menu-1-673f66d5\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1492\"><a href=\"https:\/\/ilovelife.co.id\/blog\/health\/\" class=\"elementor-item\">Health<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1493\"><a href=\"https:\/\/ilovelife.co.id\/blog\/mind\/\" class=\"elementor-item\">Mind<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1494\"><a href=\"https:\/\/ilovelife.co.id\/blog\/life\/\" class=\"elementor-item\">Life<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1495\"><a href=\"https:\/\/ilovelife.co.id\/blog\/finance\/\" class=\"elementor-item\">Finance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-8005\"><a href=\"https:\/\/ilovelife.co.id\/blog\/insurance-101\/\" class=\"elementor-item\">Insurance 101<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-12645\"><a href=\"https:\/\/ilovelife.co.id\/blog\/sandwich-gen\/\" class=\"elementor-item\">Better Sandwich Generation<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1496\"><a href=\"https:\/\/ilovelife.co.id\/blog\/contributors\/\" class=\"elementor-item\">Contributors<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-673f66d5\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1492\"><a href=\"https:\/\/ilovelife.co.id\/blog\/health\/\" class=\"elementor-item\" tabindex=\"-1\">Health<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1493\"><a href=\"https:\/\/ilovelife.co.id\/blog\/mind\/\" class=\"elementor-item\" tabindex=\"-1\">Mind<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1494\"><a href=\"https:\/\/ilovelife.co.id\/blog\/life\/\" class=\"elementor-item\" tabindex=\"-1\">Life<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1495\"><a href=\"https:\/\/ilovelife.co.id\/blog\/finance\/\" class=\"elementor-item\" tabindex=\"-1\">Finance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-8005\"><a href=\"https:\/\/ilovelife.co.id\/blog\/insurance-101\/\" class=\"elementor-item\" tabindex=\"-1\">Insurance 101<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-12645\"><a href=\"https:\/\/ilovelife.co.id\/blog\/sandwich-gen\/\" class=\"elementor-item\" tabindex=\"-1\">Better Sandwich Generation<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1496\"><a href=\"https:\/\/ilovelife.co.id\/blog\/contributors\/\" class=\"elementor-item\" tabindex=\"-1\">Contributors<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-2e42f663\" data-id=\"2e42f663\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-dce-background-color=\"#E0E0E0\" class=\"elementor-section elementor-top-section elementor-element elementor-element-657f4e5d elementor-section-stretched elementor-hidden-tablet elementor-hidden-phone elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"657f4e5d\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6054856f\" data-id=\"6054856f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2c8a4c58\" data-id=\"2c8a4c58\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1b8b040b elementor-widget elementor-widget-text-editor\" data-id=\"1b8b040b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Terus Dapatkan Inspirasi, Subscribe Sekarang!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-dce-background-color=\"#E0E0E0\" class=\"elementor-section elementor-top-section elementor-element elementor-element-60bd8545 elementor-section-stretched elementor-hidden-tablet elementor-hidden-phone elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"60bd8545\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-562e6a98\" data-id=\"562e6a98\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-4348d796\" data-id=\"4348d796\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-608324ec\" data-id=\"608324ec\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-57167fea elementor-shape-rounded elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons\" data-id=\"57167fea\" data-element_type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-instagram elementor-repeater-item-1008844\" href=\"https:\/\/www.instagram.com\/astralifeid\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Instagram<\/span>\n\t\t\t\t\t\t<i class=\"fab fa-instagram\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-facebook elementor-repeater-item-46ab34e\" href=\"https:\/\/www.facebook.com\/AstraLifeID\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Facebook<\/span>\n\t\t\t\t\t\t<i class=\"fab fa-facebook\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-twitter elementor-repeater-item-da5b6bc\" href=\"https:\/\/twitter.com\/astralifeid\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Twitter<\/span>\n\t\t\t\t\t\t<i class=\"fab fa-twitter\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-youtube elementor-repeater-item-04135c8\" href=\"https:\/\/www.youtube.com\/channel\/UCIpsw3Kfp3dWNcVig4dYG_w\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Youtube<\/span>\n\t\t\t\t\t\t<i class=\"fab fa-youtube\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-linkedin elementor-repeater-item-f408675\" href=\"https:\/\/www.linkedin.com\/company\/astralife\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Linkedin<\/span>\n\t\t\t\t\t\t<i class=\"fab fa-linkedin\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-dce-background-color=\"#E0E0E0\" class=\"elementor-section elementor-top-section elementor-element elementor-element-7929756b elementor-section-stretched elementor-hidden-desktop elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7929756b\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-44c94f61\" data-id=\"44c94f61\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-29b5b8db\" data-id=\"29b5b8db\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-79188645 elementor-widget elementor-widget-text-editor\" data-id=\"79188645\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Tentang &#8211;<\/p><p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-1589\" src=\"https:\/\/ilovelife.co.id\/blog\/wp-content\/uploads\/2020\/08\/logo_lovelife-daily.png\" alt=\"\" width=\"140\" height=\"75\" \/><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-476743fa\" data-id=\"476743fa\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-113a4ab5\" data-id=\"113a4ab5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2336f371 elementor-widget elementor-widget-text-editor\" data-id=\"2336f371\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Kami menghadirkan cerita dan kisah hidup yang inspiratif serta tips terbaik untuk menyadarkan kita agar terus mencintai hidup.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-4c9b8980\" data-id=\"4c9b8980\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-dce-background-color=\"#E0E0E0\" class=\"elementor-section elementor-top-section elementor-element elementor-element-c5a339a elementor-section-stretched elementor-hidden-desktop elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c5a339a\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-48c50eb7\" data-id=\"48c50eb7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f8ad3a2 elementor-widget elementor-widget-text-editor\" data-id=\"f8ad3a2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Terus Dapatkan Inspirasi, Subscribe Sekarang!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-dce-background-color=\"#E0E0E0\" class=\"elementor-section elementor-top-section elementor-element elementor-element-31b33a1f elementor-section-stretched elementor-hidden-desktop elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"31b33a1f\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e8861d3\" data-id=\"e8861d3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-dce-background-color=\"#E0E0E0\" class=\"elementor-section elementor-top-section elementor-element elementor-element-333de861 elementor-section-stretched elementor-hidden-desktop elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"333de861\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1e0baf74\" data-id=\"1e0baf74\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-38785794 elementor-shape-rounded elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons\" data-id=\"38785794\" data-element_type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-instagram elementor-repeater-item-1008844\" href=\"https:\/\/www.instagram.com\/astralifeid\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Instagram<\/span>\n\t\t\t\t\t\t<i class=\"fab fa-instagram\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-facebook elementor-repeater-item-46ab34e\" href=\"https:\/\/www.facebook.com\/AstraLifeID\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Facebook<\/span>\n\t\t\t\t\t\t<i class=\"fab fa-facebook\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-twitter elementor-repeater-item-da5b6bc\" href=\"https:\/\/twitter.com\/astralifeid\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Twitter<\/span>\n\t\t\t\t\t\t<i class=\"fab 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financial planner, cek beberapa hal penting berikut, terutama dalam kondisi finansial di masa pandemi. Urgensi memakai\u00a0financial planner\u00a0untuk membantu membenahi permasalahan keuangan pribadi akan berbeda-beda dan ditentukan dari banyak faktor. Apakah yang tengah menghadapi masalah utang otomatis membutuhkan jasa perencana keuangan?\u00a0Perlukah\u00a0financial planner\u00a0ketika kita hendak merencanakan dana pendidikan anak? Apabila kamu saat [&hellip;]<\/p>\n","protected":false},"author":23,"featured_media":7313,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[94,96,113,123,124,125,135,157,191,225],"class_list":{"0":"post-7312","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-finance","8":"tag-flexi-critical-illness","9":"tag-flexi-life","10":"tag-igotyourback","11":"tag-jurus-finansial","12":"tag-jurus-hidup-bahagia","13":"tag-jurus-hidup-sehat","14":"tag-keuangan-keluarga-muda","15":"tag-mengatur-keuangan","16":"tag-perencanaan-keuangan","17":"tag-tips-finansial","18":"czr-hentry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Dengan Kondisi Finansial di Masa Pandemi, Perlukah Financial Planner?<\/title>\n<meta name=\"description\" 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