15/04/2026
This is why itâs important for you to have income protection and life insurance, so no matter what happens youâll always have a fall back. Thatâs security that most fail to see.
Donât wait until it happens and then start from scratch. Give yourself the peace of mind by securing your future and your familyâs. I like to think of death and any other emergencyâs as Thanos, when he said âI am inevitableâ because itâs true, itâs bound to happen and thinking otherwise would be negligent. Protect yourself and your family from that inevitable and secure lives today.
â„ïžYanee
Psychometrician and Financial Advisor
If you ask a Filipino making â±50,000 to â±80,000 a month if they are wealthy, they will usually say, "No, but I am comfortably middle class."
They have a car loan. They go to cafes on the weekend. They have a nice smartphone.
But from a macroeconomic perspective, the Philippine middle class is an absolute illusion. Why? Because true wealth isn't measured by your car; it is measured by your safety net.
Welcome to the terror of Out-of-Pocket Healthcare.
In first-world countries (like Canada or the UK), if you get cancer or have a massive stroke, the governmentâs universal healthcare system absorbs the multi-million dollar blow. You get sick, you get treated, and your bank account stays intact.
In the Philippines, an unexpected medical emergency is a financial death sentence.
If a parent suddenly needs a bypass surgery, or a child requires a month in the ICU, PhilHealth only covers a fraction of the cost. The family is suddenly slammed with a â±2 Million to â±5 Million hospital bill.
Because we lack comprehensive universal healthcare, the so-called "middle class" is instantly wiped out. They are forced to sell their cars, mortgage their family homes, max out their credit cards, and beg for donations online.
It takes ten years of hard work, overtime, and saving to build a middle-class life in the Philippines. And it takes exactly three weeks in a private hospital ICU to completely erase it, sending the entire family back into generational poverty.
