30/05/2026
๐ ๐๐๐ฐ ๐ฐ๐๐๐ค๐ฌ ๐๐ ๐จ, ๐ ๐ฌ๐๐ญ ๐๐จ๐ฐ๐ง ๐ฐ๐ข๐ญ๐ก ๐ ๐๐ฅ๐ข๐๐ง๐ญ ๐ฐ๐ก๐จ ๐ฅ๐จ๐จ๐ค๐๐ ๐๐จ๐ฆ๐ฉ๐ฅ๐๐ญ๐๐ฅ๐ฒ ๐๐ฑ๐ก๐๐ฎ๐ฌ๐ญ๐๐ ๐๐๐๐จ๐ซ๐ ๐ฐ๐ ๐๐ฏ๐๐ง ๐จ๐ซ๐๐๐ซ๐๐ ๐จ๐ฎ๐ซ ๐๐จ๐๐๐๐.
Between the rising prices of goods, his demanding job, and raising two toddlers, he looked at me and said, "๐๐ข๐ณ๐ฌ, ๐ ๐ธ๐ข๐ฏ๐ต ๐ต๐ฐ ๐ฃ๐ถ๐ช๐ญ๐ฅ ๐ข ๐ณ๐ฆ๐ต๐ช๐ณ๐ฆ๐ฎ๐ฆ๐ฏ๐ต ๐ง๐ถ๐ฏ๐ฅ, ๐ ๐ธ๐ข๐ฏ๐ต ๐ต๐ฐ ๐ด๐ฆ๐ค๐ถ๐ณ๐ฆ ๐ต๐ฉ๐ฆ ๐ฌ๐ช๐ฅ๐ด' ๐ค๐ฐ๐ญ๐ญ๐ฆ๐จ๐ฆ, ๐ข๐ฏ๐ฅ ๐ ๐ฌ๐ฏ๐ฐ๐ธ ๐ ๐ฏ๐ฆ๐ฆ๐ฅ ๐ฉ๐ฆ๐ข๐ญ๐ต๐ฉ ๐ค๐ฐ๐ท๐ฆ๐ณ๐ข๐จ๐ฆ... ๐ฃ๐ถ๐ต ๐ฎ๐บ ๐ฃ๐ถ๐ฅ๐จ๐ฆ๐ต ๐ช๐ด ๐ต๐ช๐จ๐ฉ๐ต. ๐'๐ฎ ๐ฏ๐ฐ๐ต ๐ด๐ถ๐ณ๐ฆ ๐ธ๐ฉ๐ฆ๐ณ๐ฆ ๐ต๐ฐ ๐ด๐ต๐ข๐ณ๐ต. ๐๐ต ๐ง๐ฆ๐ฆ๐ญ๐ด ๐ญ๐ช๐ฌ๐ฆ ๐ ๐ฏ๐ฆ๐ฆ๐ฅ ๐ต๐ฐ ๐ฅ๐ฐ ๐ฆ๐ท๐ฆ๐ณ๐บ๐ต๐ฉ๐ช๐ฏ๐จ ๐ข๐ต ๐ฐ๐ฏ๐ค๐ฆ, ๐ข๐ฏ๐ฅ ๐'๐ฎ ๐ง๐ข๐ช๐ญ๐ช๐ฏ๐จ ๐ข๐ต ๐ข๐ญ๐ญ ๐ฐ๐ง ๐ช๐ต."
I stopped him right there.
I told him the same thing I tell every one of my clients: you don't have to do everything at once. All you have to do now is figure out what your top priority is. When we try to achieve all of our financial goals at once without a plan, we become paralyzed. However, focusing on the one issue that keeps you up at night makes it simple to develop a solution.
๐๐๐ ๐ ๐ ๐ก๐ค๐ค๐ ๐๐ฉ ๐ฉ๐๐ ๐๐๐ซ๐ ๐ฅ๐๐ก๐ก๐๐ง๐จ ๐๐๐ก๐ค๐ฌ. ๐๐ ๐ฎ๐ค๐ช ๐๐๐ ๐ฉ๐ค ๐๐๐ค๐ค๐จ๐ ๐๐ช๐จ๐ฉ ๐๐๐ ๐ฉ๐ค ๐จ๐๐๐ช๐ง๐ ๐ง๐๐๐๐ฉ ๐ฃ๐ค๐ฌ, ๐ฌ๐๐๐๐ ๐ฌ๐ค๐ช๐ก๐ ๐๐๐ซ๐ ๐ฎ๐ค๐ช ๐ฉ๐๐ ๐ข๐ค๐จ๐ฉ ๐ฅ๐๐๐๐ ๐ค๐ ๐ข๐๐ฃ๐?
๐ก๏ธ ๐๐ง๐ค๐ฉ๐๐๐ฉ๐๐ค๐ฃ: Knowing your family won't struggle financially if you are suddenly taken out of the picture.
๐ ๐พ๐๐๐ก๐๐ง๐๐ฃโ๐จ ๐๐๐ช๐๐๐ฉ๐๐ค๐ฃ: Guaranteeing that college diploma, no matter what happens.
โค๏ธโ๐ฉน๐๐๐๐๐ฎ ๐๐ช๐ฃ๐ ๐๐ค๐ง ๐พ๐ง๐๐ฉ๐๐๐๐ก ๐๐ก๐ก๐ฃ๐๐จ๐จ: Having a cash safety net so a sudden sickness doesn't wipe out your savings.
๐๏ธ ๐๐๐ฉ๐๐ง๐๐ข๐๐ฃ๐ฉ: Ensuring your golden years are spent relaxing, not working out of necessity.
๐ก ๐๐๐ข๐๐ฃ๐ / ๐๐จ๐ฉ๐๐ฉ๐ ๐พ๐ค๐ฃ๐จ๐๐ง๐ซ๐๐ฉ๐๐ค๐ฃ: Leaving a legacy of wealth, not a legacy of debt and taxes.
For my client, it was his ๐ค๐ข๐๐ฌ' ๐๐๐ฎ๐๐๐ญ๐ข๐จ๐ง. Once we secured that, the heavy weight lifted off his shoulders.
๐๐๐๐ฉ ๐๐๐ค๐ช๐ฉ ๐ฎ๐ค๐ช? ๐๐๐๐ฉ ๐๐จ ๐ฎ๐ค๐ช๐ง ๐ฉ๐ค๐ฅ ๐ฅ๐ง๐๐ค๐ง๐๐ฉ๐ฎ ๐ฉ๐ค๐๐๐ฎ?
๐ณ๐๐๐ ๐ข๐๐๐ ๐๐๐๐ ๐๐ ๐๐ ๐๐๐ ๐๐๐๐๐๐๐๐, ๐๐ ๐๐๐๐ ๐๐ ๐ ๐๐๐๐๐๐๐ ๐๐๐๐๐๐๐. ๐ป๐๐โ๐ ๐๐๐ ๐๐๐ ๐, ๐๐๐๐๐ ๐๐๐ ๐๐๐๐๐ ๐๐๐๐, ๐๐๐ ๐๐๐๐๐ ๐ ๐๐๐๐๐๐๐๐ ๐๐๐๐๐ ๐๐ก๐๐๐๐๐ข ๐๐ ๐ ๐๐๐ ๐๐พ๐ ๐๐๐๐ ๐๐๐๐๐ ๐๐๐ .
Engr. Mark Gerald Oreiro
PRULIFE UK Insurance Advisor
