these 3 decisions will change your life. [Naval] Click the link in BI...

The provided transcript is a nonsensical jumble of different languages (Vietnamese, possibly Russian, and some seemingly random characters). It does not contain coherent information about three life-changing decisions or any other discernible topic. Therefore, it's impossible to provide a meaningful summary in Vietnamese or any other language. The transcript appears to be spam or gibberish designed to attract clicks.