Hosted by Jay Tolentino AKA “Kuya Jay”. He is a Financial Literacy Evangelist and an Independent Financial Coach based in Dubai. The aim of this program is to help every Filipino become debt-free, build wealth and live a purposeful life. Topics include proper money management, entrepreneurship, investments, and the stories of many notable entrepreneurs and personal finance personalities.
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Book your clarity call today: https://bit.ly/3Gjhm8S====If you're earning ₱250K to ₱800K/month abroad but still feel stuck, this video is for you.You have savings, insurance, even investments—but deep down, you're unsure where it's all leading. You're not alone. I call this The Clarity Gap—the space between earning well and knowing exactly what you're building.CHAPTERS:Reason #1: 00:47Reason #2: 02:02Reason #3: 04:07Reason #4: 05:42Reason #5: 07:07
Book your free clarity call today: https://bit.ly/4jjeA1WWe're about to lose ₱307,000… and we still don't know if we should walk away.This isn't a theory video. This is real.My wife and I bought a pre-selling Ayala condo in South Park District, thinking it would pay for itself over time.But now that turnover is approaching — and the numbers are in — we're not so sure anymore.In this episode, I'll take you inside:- The exact cash flow projections we ran (worst, average, best case)- How much we'd lose if we walked away today- What most condo investors don't realize until it's too late- And the psychology that keeps people stuck in bad investmentsIf you're deciding whether to continue or cut losses, this might be the clarity you've been waiting for.
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The Philippine real estate market is shifting, and condo owners and investors are facing a big decision—should you buy, sell, or hold your condo in 2025? With an oversupply of condo units in Metro Manila (and other areas), declining rental prices, and increasing maintenance costs, knowing the right move can save or make you money. In this episode, we run the actual numbers with Coach Efren Cruz, a financial planner with over 40 years of experience, to help you make a data-driven decision. Whether you're a first-time condo buyer, a real estate investor, or a current unit owner, we break down: ✅ Buying a condo in 2025 – Is this the right time to invest, or should you wait? ✅ Holding your condo – Will your unit appreciate, or are you losing money? ✅ Selling your condo – Should you exit now before the market declines further? Connect with Coach Efren: https://www.facebook.com/ask.a.friend.ask.Efren/ Watch on Youtube: https://youtu.be/RlI0jxy262g --
Metro Manila's condominium market is facing an unprecedented challenge: an oversupply of units has left buyers, investors, and developers grappling with uncertainty. In this video, we'll uncover the factors behind this crisis and explore what it means for property owners, potential buyers, and the overall real estate market. Joining us is Dr. Ben Lebig Jr, a financial planning expert, entrepreneur, and author of TRENDING UP: Expat's Guide in Building a Strong Foundation on Investments. As the founding chairman of the Association of Registered Financial Planners UAE Chapter, Dr. Lebig has guided countless individuals, especially expatriates, in making informed financial decisions and achieving wealth-building goals. With his expertise and actionable insights, Dr. Lebig will help us understand: - Why this oversupply happened [03:45] - Mis-selling of a lot of agents to OFW's [09:12] - The Dangers of Condo Flipping [13:10] - Is the market crashing? [13:54] - How to navigate this situation [16:42] - Great locations for short-term leasing [22:01] - Importance of having an Emergency Fund [26:07] - Are there opportunities now that are similar to what happened during pandemic [27:42] - Dangers of Pasalo Units [29:37] - Should you go for the condos now or those that are pre-selling [32:41] - Ben's CONDOMINIUM Checklist [35:50]- Closing message [45:35] Connect with Ben: LinkedIn: Instagram: Buy his book Trending Up: Expat's Guide In Building Strong Foundation On Investments: LINKS
In this video, I react to a heartfelt compilation of retirees sharing their biggest financial and life regrets. From the importance of saving early to the lessons learned from health and career decisions, these reflections offer valuable insights for anyone planning for their future. Discover the common mistakes retirees wish they could undo, like cashing out retirement accounts prematurely, neglecting health, or underestimating the challenges of retirement life. If you've ever wondered how to secure a regret-free retirement, this video is a must-watch. Let's learn from their experiences so we don't make the same mistakes. Whether you're just starting your career or nearing retirement, the wisdom in these stories can guide you toward a better financial future. Video credit to Business Insider watch it here: https://www.youtube.com/watch?v=hbMRv19SkXY&ab_channel=BusinessInsider LINKS
How often do you set financial goals, only to feel overwhelmed or lose focus along the way? It's not that you lack ambition—it's that most goals fail because they're not built on a clear vision or a solid plan. In today's episode, we're diving into the strategies that can change that. What You'll Learn in This Video: ✅ Impossible, Possible, Probable and Given - 3:13 ✅ How to create a compelling financial vision - 7:30 ✅ The Have-Do-Be exercise for clarifying your dreams - 8:00 ✅ Crafting Long and 3-Year Visions - 13:00 ✅ Sharing my personal vision - 14:15 ✅ Prioritizing your goals based on your Wealth Stage - 17:00 ✅ Writing SMARTER goals for success - 25:2 1Bible Verse: 30:22 -- LINKS
Tired of making financial resolutions that fail? 88% of resolutions don't even make it past two weeks, especially when it comes to money. But there's a better way! In this video, I will show you why resolutions fail and share the 5-step Payday Checklist that helped me: - Pay off debt - Build an emergency fund - Start investing - Grow my net worth by 30% in just one year! What You'll Learn: 1. The 3 reasons why financial resolutions don't work, including unrealistic goals, restrictions, and relying on willpower alone. 2. How to replace resolutions with a practical Payday Checklist. -- Download my Intentional Spending Plan: https://jayadriantolentino.com/resources Download TapTap Send today:
WHAT: Financial Goal Setting Webinar WHEN: DEC 28, 3PM (PH) / 11AM (UAE) REGISTER HERE: https://lu.ma/heeyq6o8 https://lu.ma/heeyq6o8 https://lu.ma/heeyq6o8 --- Are you ready to take charge of your financial future but don't know where to start? This free webinar is designed to help you set clear, actionable financial goals to help you achieve them. Managing finances can feel overwhelming, leaving you stuck in a cycle of confusion, frustration, and missed opportunities. That's why we've created this session to give you the tools and clarity you need to break free and take control of your money. What You'll Learn: How to Set Financial Goals and Actually Reach Them Without Feeling Overwhelmed or Stuck How to Define Financial Goals You Can Actually Achieve—Even If You Don't Know Where to Start How to Know Exactly Which Financial Goal to Focus on First—and Create a Clear Plan to Achieve It How to Automate Your Finances and Progress Without Wasting Time or Energy Bonus: Get my free goal setting template!
In this episode, we explore the growing trend of DINK couples—those who are Dual Income, No Kids—and how this lifestyle is reshaping traditional ideas about family, finances, and fulfillment. Our special guest, Sharday Filio, a seasoned marketing and public relations professional based in Dubai, shares her experience of choosing a child-free life with her husband, Jeremy. Married since 2021, they've embraced a lifestyle that prioritizes freedom, flexibility, and pursuing their shared passions, like traveling. WHAT YOU'LL LEARN: Advantages and challenges of the DINK path Tackling questions about societal pressure, financial planning, and personal fulfillment. How does living child-free impact their goals? What lessons can we learn from this growing trend? Connect with Sharday: https://www.instagram.com/shardraco/ Join our community: https://whop.com/peraandpurpose/
We often view wealth-building as securing our future, but what if you never get to enjoy it? This episode explores the philosophy from Bill Perkins' Die With Zero, which encourages aligning your resources with meaningful experiences. Rather than saving everything for later, Perkins argues that true wealth is found in experiences, not just in money. We'll dive into how this mindset can lead to a more fulfilling life, avoiding the trap of working too long and missing out on joy and opportunities. What You'll Learn: The meaning of "dying with zero" How to balance saving and enjoying life The concept of "memory dividends" Importance of living with intentionality Taking calculated risks while young The benefits of giving generously while alive Managing unpredictability in lifespan and health Using "time buckets" to plan life experiences Practical tips for work-life balance and fulfillment How to avoid oversaving and maximize life experiences Join the community: https://whop.com/hub/peraandpurpose/
Christmas is the most wonderful time of the year, pero madalas, ito rin ang panahon ng "overspending." Pagkatapos ng holidays, ang daming nauuwi sa utang dahil sa impulsive shopping at di-planadong gastos. Ayon sa Bangko Sentral ng Pilipinas, ang household consumption ay tumataas tuwing fourth quarter dahil sa holiday spending. Sa podcast na 'to, pag-uusapan natin ang mga simpleng paraan para mag-enjoy sa Pasko nang walang financial hangover. By the end of this episode, you'll learn how to take control of your holiday spending para ma-enjoy ang Pasko ng walang financial stress. Join our community for free: https://whop.com/peraandpurpose/
Many Filipinos struggle to build wealth, not because they aren't working hard, but due to cultural expectations around money. In the Philippines, finances are closely tied to family and community, often leading to pressures that keep people financially stuck. Obligations like supporting extended family or maintaining appearances can hurt financial health. This episode explores how these cultural norms prevent financial freedom and offers ways to shift your mindset, so you can use money in a way that serves you, rather than being controlled by societal pressures.
Ang ironic, di ba? The less money you have, the more expensive life becomes. It sounds counterintuitive, but this is the harsh reality for many Filipinos. Everyday expenses like healthcare, housing, transportation, and even food cost more for those who are struggling financially. And the worst part? These costs trap people in a cycle of poverty. According to studies, people living in poverty face what's known as the "poverty penalty." The limited resources and options available to them lead to higher costs and fewer opportunities to escape their financial struggles. In today's episode, we're going to dive deep into why it costs more to be poor in the Philippines, from direct and systemic costs to hidden barriers and how we can start addressing these issues—both as a society and individually. What You'll Learn: The concept of the "Poverty Penalty" Systemic inequalities that trap people in poverty Hidden costs of being poor Debunking the myth of poor financial choices Solutions at both systemic and individual levels Join our Patreon Community today: https://whop.com/hub/peraandpurpose/
So my wife and I just bought our first (and only) car, and let me tell you, it wasn't easy navigating all the choices. From figuring out what we needed to what we could afford, we learned a lot along the way. And by the end of this episode, I'll share a smart strategy we discovered that can help you manage your interest payments. So, whether you're in the market for a new car or just curious, stay tuned! What You'll Learn: - Gaining clarity on priorities and needs - Determining budget and affordability - Navigating the car shopping process - Running the numbers and final negotiations - Smart strategy for managing interest payments Join our learning community for the free car calculator template: https://whop.com/hub/peraandpurpose/
In this eye-opening Halloween episode, we explore real-life stories of individuals and families who experienced dramatic financial downfalls. These cautionary tales serve as powerful reminders of the importance of financial literacy and prudent money management. What You'll Learn: - The importance of risk management in wealth preservation - Why being a good steward of your resources matters - Understanding the language of money - The necessity of setting aside money for yourself, even as a provider - How to manage expectations in financial relationships - The critical need to fully understand a business before investing - Why continuous innovation is crucial in business - The dangers of lifestyle inflation - The importance of diversifying your financial knowledge and not relying solely on others Join our learning community here Download TapTap Send today:
We're excited to announce a new partnership with TagM Marketing Solutions, represented by Papa Marky! This collaboration means we'll be bringing you weekly episodes to help us reach even more people with valuable insights. We're also launching a Patreon community, and you can join for free. Early supporters will get exclusive perks, including the ability to request an episode, receive a member shoutout, and enjoy discounts on coaching and courses. Plus, both free and paid members will have access to a curated resource list and a community chat. Join our Patreon Community today: https://www.patreon.com/peraandpurposepodcast
Are you working hard but still not seeing the wealth you hoped for? It might not be about your effort or desire but about not having a solid set of financial principles guiding you. In today's episode, we'll uncover the key wealth principles that can help you build a strong financial foundation. We'll differentiate between values and principles, why principles matter, and how to craft and apply your own set of principles to achieve lasting financial success.
Have you ever felt uncertain or disconnected when making financial choices, wondering if your decisions truly align with what matters most to you? This alignment is crucial because when your values and financial decisions are out of sync, it often leads to stress, dissatisfaction, and even financial instability. Research shows that when people align their financial actions with their personal values, they experience greater satisfaction and stability. Financial decisions become more than just numbers—they start reflecting your true self. This is why today, we'll explore how to uncover your personal values and use them to guide your financial decisions effectively. By the end of this episode, you'll have a clear roadmap for aligning your financial actions with your deepest values, leading to better financial health and greater personal satisfaction. What You'll Learn: The Importance of Understanding Personal Values Misalignment Between Personal Values and Financial Decisions Exercises to Identify Personal Values Resources mentioned: - Shalom Schwartz's Theory of 10 Universal Values - VIA Institute On Character Survey
Imagine waking up one day to find out that you've lost 700,000 pesos to a scam. It's a nightmare that has become a harsh reality for many. Task scams, recruitment scams, investment scams, loan scams – they're all designed to exploit our trust and financial vulnerability. The rise in financial scams in the Philippines is alarming, with many falling victim due to lack of awareness. Understanding how these scams operate is crucial to safeguarding our hard-earned money. Today, we will explore various types of scams, from task scams to investment frauds, and equip you with the knowledge to protect yourself. This episode is a recording of my recent interview with Ms. Salve and Ms. Valle on Teleradyo Panalong Diskarte, where we delved deep into these issues. Knowing these tactics not only saves your money but also your peace of mind. What You'll Learn: - How to avoid loan, task, investment and other scams targeting OF's - What to do when you receive unsolicited calls -- Ask questions in our community Get more free resources here
Have you ever wondered why some people seem to accumulate wealth faster than others, despite having similar incomes? The key to financial success isn't just about earning more money—it's about how much you save and invest. Many people chase higher-paying jobs or promotions, thinking this will lead to wealth. But studies show that savings rate is a more crucial factor in building wealth than income alone. According to research, individuals who focus on saving a significant portion of their income can accumulate wealth faster, regardless of their earnings level. Understanding the advantage of having a higher savings rate can transform your financial journey. It highlights the importance of managing your expenses and making conscious choices about your spending habits. So, in today's episode, we'll uncover why saving is so powerful, explore common misconceptions, and discuss practical steps to boost your savings rate. What You'll Learn: - The secret to financial success is not just earning more but saving more. - High savings rates lead to faster wealth accumulation. - Managing expenses and prioritizing savings are crucial. - Automate savings, track expenses, and set clear financial goals. - Living below your means and investing wisely accelerates financial growth. --- Ask a question in our community here Schedule a free discovery call here
Time is the most valuable resource we have, yet many of us overlook its importance in our pursuit of financial freedom. We often think that financial abundance will give us the life we desire, but there's a foundational element we're missing. Inspired by Dan Sullivan's book Who Not How, I learned that time freedom is the foundation of true financial freedom. Without control over your time, financial freedom remains an elusive goal. In this episode, I'll share why time freedom should come first before financial freedom and how you can gain control over your time. I'll also be sharing some words of caution for those who pursue this path. --
Have you ever wondered how asking the right questions can change your life?The quality of the questions we ask ourselves often determines the quality of the answers we receive.Asking the right questions has been a game-changer for many successful individuals, helping them navigate their journeys with clarity and purpose.In this episode, I'll share some of the essential questions I ask myself regularly, and how they have shaped my path, including my recent experience preparing for an international talk in Riyadh.By the end of this episode, you'll be equipped with the tools to ask better questions and transform your life.What You'll Learn:Importance of asking the right questions.The problem with limiting questions.The power of structured, intentional questioning.Practical frameworks and habits for better questions.---
Discover how your past failures, especially in the realm of investments, can be transformed into valuable lessons and guiding lights for others.Kuya Jay shares his own experiences, including the lessons learned from his first condo investment, and provides practical insights on how to turn your mistakes into meaningful messages. Join us for an inspiring and educational journey that will help you embrace your failures and use them to make a positive impact.What You Will Learn:✅Why your past failures shouldn't be a source of shame but a powerful tool to guide others.✅How to view and use mistakes in investments as valuable lessons.✅The importance of sharing your experiences to help others and lighten your own burden.✅Real-life examples of successful individuals who turned their failures into success stories.✅Strategies to reflect on and learn from your failures effectively.✅How promoting a culture of openness about failures can lead to greater success and innovation.---
Picture this: you're eyeing the latest iPhone, shiny and alluring, priced at AED 5,500. It's tempting, right? But hold on a second. Twenty years down the line, that sleek gadget will be nothing more than a relic, while if you were to invest that same amount in a low-cost, globally diverse index fund, it could potentially grow to over AED 21,000!Life is a series of choices, each one coming with its own set of trade-offs, known as opportunity costs. And understanding this principle is not just crucial for investing, but for every aspect of your financial journey.In today's episode, we're going to unpack why opportunity costs matter and how you can use them to shape your financial future.--- Buying Decision Guide- Take the Global Investing Survey---
Managing money can feel like navigating a maze without a map.This confusion often leads to stress and poor financial decisions, as people grasp at any advice or product they come across. They might save money aimlessly or buy insurance they don't fully understand, influenced by ads or friends' advice. This approach lacks strategy and clarity, leading to missed opportunities and a future filled with financial uncertainty. By being intentional and informed, you can make decisions that align with your long-term financial well-being.A strategic approach to managing your finances is the key to unlocking a future of financial security and peace of mind.I'm here to tell you that there's a better way to handle your financial priorities.--Exciting news! For the very first time, I'm revealing the tool that's been key to my clients' financial success. Imagine crafting your own foolproof financial plan, effortlessly and independently. That's the power of the Financial Road Map tool I've created.Why join the Financial Roadmap Beta Program?Early Use: Try my Financial Road Map tool and the curriculum first. Get custom Q&As and help shape the tool.Your Input Matters: I will be tweaking the tool and course videos based on your feedback.Connect with Others: Meet like-minded people who are also part of the beta program.Special Deal: In exchange for your help, you'll get it at 85% off ($235 savings)!Limited Access: Hurry! Only 25 spots are open.This is your chance to be at the forefront of financial self-sufficiency. Join the beta program now and start building your future, your way.
Are you tired of budgeting methods that leave you more frustrated than financially savvy?You're not alone.Many find traditional budgeting a puzzle that's hard to solve, with strict rules that don't fit real life.Today, we're breaking down why these methods fail and how they're actually holding you back.We'll introduce a new perspective on budgeting, With simple, actionable steps, we'll guide you on how to create a budget that's not only realistic and flexible but also a powerful tool for achieving your financial dreams.Get ready to change how you view and manage your money, making your budget work for you, not against you. Let's dive into creating a budget that's a roadmap to your dreams, starting now.--Download the Intentional Spending Plan for FREE!---
In today's episode, we focus on a crucial but often overlooked aspect of financial health - breaking detrimental money habits. As we venture into this year, it's time to shed those financial behaviors that hold us back from achieving our full potential. We'll dive deep into identifying these habits, understanding their impact, and exploring effective strategies to break free from them.Join me as we embark on this transformative journey to financial freedom and empowerment. ---
In your quest for financial freedom, you may find yourself trapped in a cycle of endless desires. This cycle often starts small, perhaps with a desire for the latest smartphone or a luxury car. But soon, these desires can inflate your lifestyle, leading to a situation where you're living paycheck to paycheck, despite a good income.---
2023 has been my most productive year yet.But it hasn't all been a bed of roses.It's a year of highs, lows, rants, realizations and invaluable lessons.From Dubai Eye features to the tough decision of shutting down a business, this episode peels back the layers of life and personal finance.I'll share insights on time management, the true essence of wealth, and finding happiness in unexpected places.Reflecting on the year, I unveil the theme for the next chapter: "Bolder."Get ready for a not-so-usual episode that's as real as it gets.Watch it on YT: https://youtu.be/gk-iqiZ1WCg---
You're really keen on getting into investments, aren't you?I sense a strong interest and enthusiasm in you about this vital topic.Here's What You're Going to Discover- What investing is- The four primary types: cash, fixed-income, equity, and alternative investments. Each type comes with its own set of risks and potential rewards.- How economic movements can impact your investments. It's important to be clear about your investment goals, how much risk you're comfortable with, and your investment timeline before you start.Ready to get into it? Let's cut to the chase and make it straightforward.Money Simplified Workshop:Gain claritySpend wiserBuild Your Money Management SystemGet actionable steps to help you hit your Financial Goals
In this special episode, we dive into a topic close to our hearts, one that was sparked by a request from a valued member of our community.This isn't just about the mechanics of money management; it's an exploration of the foundational wisdom that underpins lasting financial success.Why?Because the right foundation is everything.Just as a house built on sand is vulnerable, a financial roadmap without a solid base of wisdom is prone to collapse under pressure.What You'll Learn:The lessons from the books I've read when I had zero knowledge about moneyHow to think, perceive money, and align your financial actions with the deeper values of life.Timeless principles of wealth accumulation to the mindset shifts necessary for prosperityOther books that have an indirect influence on wealth buildingMoney Simplified Workshop:Gain claritySpend wiserBuild Your Money Management SystemGet actionable steps to help you hit your Financial Goals
Ever wondered kung paano ka kikita ng bonggang-bongga, i-level up ang iyong budgeting skills, at wiser sa iyong investments gamit ang AI.I'm talking about Artificial Intelligence, or AI, at paano ito magiging game-changer sa iyong financial life!"AI? 'Di ba pang techie or big companies lang 'yan?"Saka parang ang complicated na topic, hahaluan mo pa ng personal finance!Nope, mali kayo d'yan!This episode will break that stereotype.Kahit saan ka man sa mundo, especially sa mga kababayan natin dito sa UAE, this is something you can't afford to miss.I-share ko ang mga real-life tips kung paano ko nagamit ang AI this year sa mga side hustles ko, paano kami nakakapag track ng expenses in less than 3 minutes at paano mag analyze ng mga investments.What You'll Learn:Financial problems AI can solveHow I used AI to increase income, track expenses faster, invest wiser and other use casesBenefits of using AIResources Mentioned:- Get the AI Prompts here- Crunch App (UAE Only) download here- Wally GPT download here- ChatGPT- Perplexity AI- Powerdrill AIMoney Simplified Workshop:Gain claritySpend wiserBuild Your Money Management SystemGet actionable steps to help you hit your Financial Goals
Akala natin, pag sinabing luxury, kailangan laging malaki ang gastos.Branded na damit, magarang kotse, laging kumakain sa labas.Glamorous sa tingin pero in reality, nakaka-stress 'pag nakikita mo ang bank statement mo, 'di ba?Marami akong naririnig na kwento from OFWs dito sa UAE na nahuhulog sa trap na 'to.Ang ending?Utang here, utang there, utang everywhere.Pero guess what?May mas better na way.Oo, tama 'yung narinig mo: pwedeng mag-luxury na hindi kailangang magastos.And I call it “Frugal Luxury”.
In my early days of learning Personal Finance, I have always relied on others to grow my money.This is why I fell for scams, bought expensive but inadequate insurance, locked myself into a 15-year savings plan with risk of losing my money if I stop my contributions, discovered my advisor's dishonesty, and purchased a property without stable employment.Unfortunately, just like me in 2015, marami pa rin akong nakakausap who are not fully in control of their finances.They rely on their relatives, spouse, friend, financial advisor, real estate agents, and other professionals to make financial decisions and manage their money.Yan ang ita-tackle natin today as we discuss the True Cost of Relying On OthersWhat You'll Learn:Reasons why people rely on others to manage their financesMonetary & non-monetary costs of relying on othersHow to effectively work with others when it comes to your financesThe hidden benefits of being in control of your financesProverbs 27:23-24: "Be sure you know the condition of your flocks, give careful attention to your herds; for riches do not endure forever, and a crown is not secure for all generations."Money Simplified Workshop:Gain claritySpend wiserBuild Your Money Management SystemGet actionable steps to help you hit your Financial Goals
It's back to school season!Marami sa atin ang natuto about math, science, history pero when it comes to Personal Finance?Wala!No one taught us how to budget, save, or invest.Instead, nalaman na lang natin itong mga bagay na to the moment we started earning money for ourselves.At ang lagi kong naririnig sa mga nakakausap ko eh, sana nalaman ko to nung bata pa lang ako.Ako rin, yan din ang sinabi ko.So today, we'll talk about the things I Wish School Taught Me About Money
Today, we're diving deep into a topic that's dear to my heart—Investing.Sa panahon ngayon, nakakatempt mag-invest sa dami ng mga nagsusulputang investments, strategies and ways to get rich faster.Pero do you really know what you're getting into?I've been there—nag-invest without proper understanding, guided only by the excitement and dreams of quick riches.Ang resulta? Napakalaking financial setback.Sayang ang oras, pagod at pera, diba?I wish someone had shared with me the essential things to consider before diving into investing.So now, I'm sharing them with you.Pramis, this will save you MILLIONS!
We've all been there; even the brightest minds can sometimes make financial choices na talagang mapapakamot ka na lang ng ulo.But don't be too hard on yourself.It's a common, human error.In this episode, we'll uncover the triggers and hidden biases that explain why smart people sometimes make stupid investment decisions.
Money is a tool that can be used for God's purposes.This episode is not just for those struggling with money issues but for anyone looking to refine their relationship with wealth and to discover a more fulfilling, God-centered approach to personal finance.Join me in exploring how our financial choices can serve not just ourselves, but also our community, and ultimately, God's kingdom.It's not about the money itself - it's about finding God's purpose for it in your life.This episode could very well be the start of your transformative journey in faithful finance.
Have you ever heard the saying, 'You only need to get rich once'?It's a simple but powerful idea.Once you've saved a good amount of money, the most important thing is to keep it safe.Of course, it's good to keep looking for ways to make your money grow.Whether you're investing, handling a business, or even just saving your money, there's always a degree of risk involved.But let's be clear about one thing: no risk that can wipe you out is ever worth taking.At yan ang pag-uusapan natin sa episode na ‘to!What you'll learn:Lessons from Jesse Livermore's storyWhat causes people to take huge risks that can wipe their entire net worthThe investment vehicles that have the potential to wipe us outSteps on how to avoid Financial WipeoutSupport the show---
In this episode, we're diving deep into the world of financial 'rules of thumb.' These are simple guidelines that can serve as your compass in navigating your journey towards financial independence. Whether you're grappling with how much to save from your income, how to manage your debt, or wondering about the right insurance coverage, we've got you covered! These insights will be straightforward, practical, and easy to understand, no matter where in the world you're working or living. Disclaimer: Remember that everyone's situation is unique. These rules of thumb are not one-size-fits-all answers, but they can provide a good starting point. What You'll Learn:Discussion on various categories of financial rules of thumb: Cash Management: The 50/30/20 RulePay Yourself FirstEmergency FundSpend Less Than You EarnDebt Management: The Debt-to-Income Ratio (Rule of 36)The Snowball MethodLending RuleRisk Management/Insurance: Insurance Coverage RuleDIME Method for Life InsuranceInvestments: The Rule of 72Asset Allocation by Age (Rule of 100)DiversificationInvest for the Long TermStart EarlyThe 1% max service fee RuleBig Ticket Items: Car Buying RuleHome Buying RuleSaving for Vacations or Anniversary CelebrationsSaving for College EducationSaving for Retirement
When it comes to money, what does 'enough' mean to you?It's a question that can prompt a variety of answers.For some, it might mean being able to afford all the needs and wants.For others, it might mean feeling secure about the future.But the truth is, understanding 'enough' is crucial to achieving financial contentment.So how much is ever enough Kuya Jay??Yan ang pag-uusapan natin today!
Does the idea of creating a business, that serves people, makes their lives better, and earns you good money, excite you?Well, if that sounds like a “Perfect Business”, then don't miss this episode!Our guest is Mr. Dodong Cacanando, the owner of Moriah Farms Inc in the Philippines.He is a businessman, farmer, author, and inspirational speaker, who left his executive role at Hewlett-Packard Philippines in 1998 to establish Moriah Farms, where he cultivates livestock and vegetables.Beyond his farming success, he has dedicated himself to enlighten others on the principles of business through his foundation, Semilya Sa Kinabuhi, utilizing the Bible as a business manual and the plant as a model.His unique journey from corporate life to farming, his love for entrepreneurship and his devotion to helping others create a better future, make him a truly inspiring figure.
Ever wondered what it takes to truly build wealth?Tune in to our latest podcast episode where we dive into the wisdom of Ramit Sethi's eye-opening Netflix documentary, 'How to Get Rich'. Ramit is the author of the New Yor Times Best Selling Book, ‘I Will Teach You To Be Rich' and has been in empowering individuals to be in charge of their finances for over 20 years now!We'll explore essential financial lessons, from facing your money woes head-on and understanding the real cost advisory fees, to the deceptive allure of get-rich-quick schemes. We'll also tackle the buying vs. renting debate and discuss the importance of defining your own 'rich life'.Chapters:(00:00) Introduction(05:11) Face Your Financial Problems (08:34) Communicate with Your Spouse (11:56) Never pay for % when speaking to a financial planner (14:06) Avoid get rich quick schemes (18:35) Detach from your material possessions (20:52) Run your numbers (23:13) Make a conscious spending plan (24:15) Buying vs renting (27:20) Know what your "Rich Life" isSupport the show---
Life was easy for Ralph when he first arrived in the UAE. He immediately found a job as a telemarketing executive, and later as an executive assistant. He enjoyed the YOLO lifestyle that his salary afforded him, but he didn't think about managing his finances wisely.After 3 years of working, he realized that he wasn't managing his finances effectively and was making many mistakes that were hindering his progress.But Ralph didn't let this setback defeat him.Instead, he took it upon himself to study personal finance. As he was looking for ways to learn about money, he stumbled upon our Empowered Expats videos and got hooked. Slowly but surely, Ralph began to see the errors he had made and started to make better financial decisions.Soon, he discovered the world of insurance advising. Intrigued, he dove headfirst into learning the ins and outs of the industry. He became passionate about helping people protect their financial futures, and it wasn't long before he decided to become an insurance advisor himself.Ralph's newfound career was just beginning to take off when the pandemic struck. He found himself struggling to make his debt payments on time, and collection agencies began to hound him relentlessly. The stress became almost unbearable, but Ralph refused to give up.With unwavering determination, Ralph worked tirelessly to get back on track. He focused on growing his skills as an insurance advisor, and soon his hard work began to pay off.Today, Ralph stands as one of the top insurance advisors in his company, and his mission is clear: to help every overseas Filipino become financially empowered so they won't encounter the same mistakes he made earlier in his life.
Coach Wanda has lived an incredible life filled with challenges, growth, and success.She lost her father at the young age of nine, which changed everything for her family.Despite this, she went on to become a Certified Public Accountant and Audit Manager by working in multinational companies like EY and Emirates.In her first year as an OF in 2006, she did extraordinary ways to save money for her to be able to pay-off all her debts in just one year!Everything was going well for her as she slowly started investing in properties and other investments.But being in a highly demanding job was tough for her as a mother of two and in 2014, Wanda suffered from burnout.It was then that Wanda realized that she wasn't alone in her struggles, and many others were suffering from stress and burnout just like her.This event led her on a new path, one that saw her become an international career coach and trainer for working individuals and organizations.In 2021, she became the Number 1 Most Influential Filipina on LinkedIn, a testament to her hard work and dedication.Wanda's mission now is to end the epidemic of stress and burnout by sharing life tools that education lacks through training and coaching.Her journey is a testament to the power of resilience, determination, and faith.This episode is PACKED with so much learning, so make sure you give it a listen!
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