Pinoy Personal Finance

05/24/2026

Napansin ko lang lately, ang daming content online about dividends, stock picks, at “ito binili ko” posts.

Nothing wrong with that.
Pero sana kapag sumusunod tayo sa isang content creator, hindi lang tayo basta nakikinig sa kung anong stock yung binibili nila.

Mas importante yung explanation behind it.

Bakit nila binili?
Ano yung business model?
Paano kumikita yung company?
Ano yung risks?
Long term ba talaga or hype lang?

Kasi maraming tao ang bumibili dahil lang nakita nila online.
Pero pag bumaba na yung investment, panic sell agad.
Why? Kasi hindi nila talaga naiintindihan kung ano yung hawak nila.

Personally, mas gusto ko yung creators na nagtuturo ng process ng pag-iinvest, hindi lang puro stock recommendations.

At the end of the day, pera mo pa rin yan.
So dapat naiintindihan mo kung saan napupunta at bakit mo pinapasok.

Don’t just copy portfolios.
Learn how to think like an investor.

05/22/2026

“No one is coming to save you.”

Habang tumatagal ako dito sa Canada, mas lalo kong nakikita ang reality ng retirement.

Ang dami kong nakikitang mga Pilipino na nasa 60s na…
pero nagtatrabaho pa rin.

Yung iba, 2 to 3 jobs pa.
Minsan 7 days a week.

At hindi dahil gusto nilang maging busy.

Kundi dahil kailangan nilang magtrabaho para lang makabayad ng bills at makasurvive.

Doon ko mas narealize na:
hindi guaranteed ang comfortable retirement kahit dekada kang nagtrabaho.

At minsan akala natin sapat na ang:
“May pension naman.”
“May SSS naman.”
“Bahala na.”

Pero reality is…

Pagdating ng retirement, ikaw ang sasalo sa future mo.
Hindi gobyerno.
Hindi SSS.
Hindi pension.
Hindi kumpanya mo.
At minsan, kahit sarili mong anak.

Retirement is not an age.
It’s a financial condition.

Hindi porket senior ka na, pwede ka nang tumigil magtrabaho.

Kapag wala kang sapat na ipon, investments, o cash flow…
mapipilitan ka talagang magtrabaho kahit pagod na ang katawan mo.

Kaya habang may oras pa…
kahit paunti-unti lang:
mag-ipon.
matutong mag-invest.
magplano para sa future.

Kasi one day, future self mo rin ang sasalo sa decisions mo today.

I made a full video about this here:

FREE RESOURCES & CREATOR GEARDownload my free budgeting template a...

05/16/2026

One of the best decisions I made in investing was learning about ETFs.

Before, akala ko kailangan sobrang galing mo pumili ng stocks para kumita sa stock market.
I thought investing meant constantly watching charts, buying the “next big stock,” and trying to beat everyone else.

But the more I learned… the more I realized na maraming successful long-term investors keep it simple.

That’s where ETFs changed my perspective.

Instead of stressing kung anong stock ang tataas or babagsak…
ETFs allow you to invest in hundreds of companies all at once.

So instead na naka-depend ka sa isang company lang, diversified ka agad.

For me, that gave me more peace of mind as an investor.

Hindi siya get-rich-quick.
Hindi rin overnight success.

But historically, the stock market has rewarded people who stay patient and consistent over the long term.

That’s why hanggang ngayon, ETFs are still one of my favorite investments for long-term wealth building.

Financial education really changes everything.
Kapag naiintindihan mo yung iniinvestan mo, mas confident ka mag-invest and mas less emotional ka during market crashes.

If you want to learn more about ETFs and investing for beginners, I made a YouTube video explaining it in simple Taglish 👇

https://youtu.be/t6PRV2GMD3Q

05/14/2026

Another successful coaching session with Chester from Australia 🇦🇺💙

Si Chester yung pinaka-bata kong na-coach so far, and honestly… nakakatuwa makita na mas maraming young Filipinos ngayon ang gustong matuto tungkol sa investing at personal finance habang maaga pa.

Most people wait until their 30s or 40s bago seryosohin ang pera.
Pero si Chester, gusto na niyang maintindihan agad:
• paano mag-start mag invest
• paano gumawa ng tamang asset allocation
• paano palaguin ang pera long term habang bata pa

And that’s a huge advantage.
Because investing is not about getting rich overnight.
Mas importante yung maagang pag-start, tamang strategy, at consistency over time.

Nakaka-amaze din isipin na habang tumatagal, mas pabata nang pabata yung mga nagpapa-coach sakin. It shows na mas maraming Filipinos ngayon ang becoming financially aware and proactive about their future.

Financial education really changes lives.
Kapag naiintindihan mo kung paano gumagana ang pera, mas nagiging confident ka sa pag-iinvest at mas mababa yung chance na ma-scam o gumawa ng emotional financial decisions.

Proud of you, Chester 👏
Excited ako makita yung financial journey mo in the next 10–20 years.

05/10/2026

Another successful couple coaching session with Dennis and Em from the Philippines 🇵🇭

Nakaka-happy makita na mas maraming Filipinos ngayon ang gustong matuto about money, investing, and personal finance together as a couple.

Because when both partners are financially educated and aligned sa goals… mas nagiging mabilis abutin ang financial goals at mas gumagaan ang journey. 🙏

During our coaching session, we talked about:
✅ Emergency funds
✅ Tuition fund planning
✅ Long-term investing
✅ ETF investing strategies
✅ Retirement planning
Ang sarap makita na maraming Pinoy ngayon ang willing mag-aral at magplano for their future.

Thank you Dennis and Em for trusting me to be part of your financial journey. Excited ako sa magiging progress ninyo in the coming years 🚀

Small consistent actions today can create massive results in the future through the power of compounding.

05/08/2026

10,000 SUBSCRIBERS! 🎉🎉🎉

Hit another milestone sa ating YouTube channel 10K subscribers! 🙏

Noong sinimulan ko itong channel na ito, isa lang talaga ang goal ko:
Turuan ang kapwa nating mga Pilipino tungkol sa pera, investing, at personal finance.

Kasi naniniwala ako na kapag may financial education ka…
mas nagiging confident ka sa mga financial decisions mo.
Hindi ka madaling matakot.
Hindi ka basta-basta nagpapadala sa hype.
At mas importante…
hindi ka madaling ma-scam.

Marami pa tayong kailangang matutunan bilang community, pero sobrang saya makita na mas maraming Pinoy ngayon ang gustong matuto tungkol sa: budgeting ,investing, retirement planning, financial freedom

Sa lahat ng nanonood, nagco-comment, nagsha-share, at sumusuporta…
maraming salamat sa tiwala ❤️

This is just the beginning.🇵🇭

05/06/2026

Looking at my schedule… and I just want to say I’m grateful and I’m excited.

To everyone who booked a coaching session, thank you for trusting me to be part of your financial journey. Hindi madali umamin na may gustong ayusin sa pera, but showing up is already a big win.

This is more than just numbers.
More than budgets or investments.

This is about taking control.
Breaking old habits.
And building a life where your money finally works for you not against you.

We’re not just going to talk…
We’re going to create clarity.
We’re going to build a plan.
And we’re going to move forward with purpose.

I can’t wait to meet all of you.

Let’s learn.
Let’s grow.
Let’s win with money together 💯

05/02/2026

Kung OFW ka…
malaki ang chance na mas malaki na ang kinikita mo ngayon kaysa dati.

Pero ang tanong…
Kung malaki ang kinikita ng ibang OFW,
bakit marami pa rin ang umuuwi na walang ipon?
Walang investment…
minsan, may utang pa.

Paano ba nangyayari yun?

Isipin mo ‘to…
Ilang taon kang nagtiis sa ibang bansa.
Ilang birthdays ang na-miss mo.
Ilang beses kang napagod para lang makapagpadala ng pera.

Pero pag-uwi mo…
parang back to zero ka pa rin.

Sa video na ’to, pag-uusapan natin
yung mga problemang madalas ini-ignore ng maraming OFWs…

At mas importante,
paano ka makakaalis sa cycle na ’to
through a practical and realistic escape plan.

04/26/2026

Alam mo ba na ang age 40 ang isa sa pinaka-critical na edad pagdating sa financial planning?
Ito yung point na konti na lang ang room for mistakes.
At this stage, kahit isang maling decision lang,
pwedeng ma-delay ang retirement mo ng 10 to 15 years.
Hindi ito pananakot. Reality lang.
Kaya kung nasa 40s ka ngayon,
importanteng tanungin mo na ang sarili mo:
Ready ka na ba… or hindi pa?
May bagong video ako tungkol dito.
Baka ito na yung reality check na kailangan mo.

04/26/2026

Take money seriously! Being broke is expensive.