Plan w/ Lhei

09/11/2026

Your 20s can feel like you have forever to figure money out. Then suddenly, 30 doesn’t seem that far away. 😅

You don’t need to have everything figured out early—but there are a few things people often wish they had started sooner.

1. “I wish I started saving and investing earlier.” 🌱
Not necessarily thousands—just something consistently. Starting earlier gives your money more time to grow, and more importantly, helps you build the habit before life gets more expensive.

2. “I wish I didn’t spend so much trying to LOOK successful.” 🚗📱
The new car, latest phone, designer stuff, expensive dinners—especially when you finally start earning adult money. Enjoy your success, yes. Pero you don’t need monthly payments just to prove you’re doing well.

3. “I wish I took credit-card debt more seriously.” 💳
A few “minimum payment muna” months can turn into years when interest keeps adding up. Credit can be useful, but carrying high-interest balances can quietly take money away from everything else you want to do.

4. “I wish I built an emergency fund before I actually had an emergency.” ☔
Car repair. Lost hours at work. Biglaang flight home. Life happens—and without savings, the credit card often becomes Plan B. Even a small emergency fund gives you somewhere else to turn.

5. “I wish I enjoyed my money WITHOUT spending all of it.” ✈️🥂
This one matters too. Your 20s shouldn't be spent being too "kuripot” to everything. Travel, go out, treat your family, make memories—just learn to leave something for Future You too.

The goal isn't to reach 30 with the most money.

It’s to reach 30 with memories, fewer financial regrets, and more choices. 🤍

And if you’re already past your 20s? Not too late! The best time to improve your money habits is the time you actually start.🌱

Send this to a 20-something you care about. 💚

For general financial education only. Individual circumstances and appropriate financial strategies vary.


Lhei

09/03/2026

🙏

08/15/2026

A good salary doesn’t automatically mean you’re financially secure.

Sometimes it’s not one huge expense that causes the stress. It’s everything added together — the daily coffee, multiple subscriptions, two car payments, credit card balances, and all the little “I deserve it” purchases in between.

None of these things alone will necessarily ruin your finances. ☕🚗📱

The problem starts when too much of your income is already spoken for before your paycheque even hits your account.

And when there’s no emergency fund, one unexpected expense can go straight to the credit card… adding another payment to the recipe.

You don’t necessarily need to stop buying coffee or cancel everything you enjoy.

You need to know where your money is going, what’s taking too much of it, and whether you’re actually leaving room to build something for your future.

A good income helps.
A good plan makes it work. 💛

— Plan with Lhei

For general financial education only.

Lhei

08/06/2026

Things insurance advisors wish they could say... but can't. 😂

08/02/2026

This is why you should apply while you're healthy.

You never know when your health can change.

08/02/2026

This is exactly why I chose over $1M of coverage for my husband.

I hope we never need it.

But if we ever do, I don't want money to become another burden while we're grieving.

Have the conversation before you need it. 💙


Lhei Buyayo

07/20/2026

The best financial decision is the one you make before you need it.🖊


Lhei Buyayo

01/31/2026