Money Management with Coach Pau

Money Management with Coach Pau Teacher | Financial Coach | Catechist | Trainer

If you’ve already mastered the basics of budgeting, it’s time to move from "saving” to strategic wealth management.Here ...
07/04/2026

If you’ve already mastered the basics of budgeting, it’s time to move from "saving” to strategic wealth management.

Here are three high-impact areas to focus on next.

1. The Power of "Value Spending"
This involves being ruthlessly minimalist about things that don't bring you joy, so you can be "extravagant" on the things that do.

2. Understanding "Good Debt" vs. "Bad Debt"
Not all debt is a monster.

• Bad Debt: High-interest credit cards or loans for items that depreciate instantly. This is a "wealth leak."

• Good Debt: Low-interest loans used to acquire assets that grow in value, such as a mortgage for a home or a loan for a business that generates income.

3. Diversify Your Income Streams
Relying on a single paycheck is a risk. Building "Income Insurance" through multiple streams is a hallmark of financial independence.

Which of these three areas do you feel most confident in right now?

Happy Chooseday!

𝗔𝘁 𝟲𝟬, 𝘆𝗼𝘂𝗿 𝟭𝟱𝗞 𝘀𝗮𝗹𝗮𝗿𝘆 𝘁𝗼𝗱𝗮𝘆 𝗻𝗲𝗲𝗱𝘀 𝘁𝗼 𝗯𝗲𝗰𝗼𝗺𝗲 𝟲𝟳𝗞 𝗺𝗼𝗻𝘁𝗵𝗹𝘆. 𝗥𝗲𝗮𝗱𝘆 𝗸𝗮 𝗯𝗮 𝗱𝗼𝗼𝗻?Today, I became a guest speaker in our Superh...
03/03/2026

𝗔𝘁 𝟲𝟬, 𝘆𝗼𝘂𝗿 𝟭𝟱𝗞 𝘀𝗮𝗹𝗮𝗿𝘆 𝘁𝗼𝗱𝗮𝘆 𝗻𝗲𝗲𝗱𝘀 𝘁𝗼 𝗯𝗲𝗰𝗼𝗺𝗲 𝟲𝟳𝗞 𝗺𝗼𝗻𝘁𝗵𝗹𝘆. 𝗥𝗲𝗮𝗱𝘆 𝗸𝗮 𝗯𝗮 𝗱𝗼𝗼𝗻?

Today, I became a guest speaker in our Superhuman Session about the 𝗕𝗮𝘀𝗶𝗰𝘀 𝗼𝗳 𝗣𝗲𝗿𝘀𝗼𝗻𝗮𝗹 𝗠𝗼𝗻𝗲𝘆 𝗠𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁.

And here’s the reality most young professionals and parents don’t compute.

Average Millennial/Gen Z earns around Php 15,200 per month.

By age 60, you need at least Php 67,469.96 monthly just to buy the same things that 15K can buy today.

Your minimum magic number?
Php 16.1 Million.

Only 16% of Filipino workers have a solid financial plan.
84% are just hoping tataas ang income.

Hope is not a strategy.

I shared a simple structure:

Operating – max 60%
Investing – 20%
Leisure – 20%

Hindi porket kasya sa income mo, tatanggapin mo na as obligation. That’s the trap.

Step 1: Build your emergency fund.
• Check unused operating budget, transfer monthly
• Cut leisure budget in half temporarily
• Any big cash flow? Diretsong fund
Target: 3–12 months of income

After the session, one parent told me,
“Akala ko salary increase lang ang solution.”

Hindi pala.

The middle class is slowly being squeezed.
Either you design your future — or inflation will design it for you.

If you’re a young professional or parent and ayaw mong maging retirement plan mo ang anak mo, coffee tayo.

Let’s compute your real magic number.

Happy Chooseday!

Naranasan mo na ba 'yung magkasunod ang due dates ng tubig, kuryente, at rent? Tapos, gusto mo pang magtabi para sa self...
28/02/2026

Naranasan mo na ba 'yung magkasunod ang due dates ng tubig, kuryente, at rent? Tapos, gusto mo pang magtabi para sa self mo at sa future ng mga anak mo?

Hindi madali, pero may paraan para ma-manage ang budget at magkaroon pa ng savings.

Kahit maliit lang, basta consistent. Mag-set ng priorities, at unahin ang mga importanteng gastusin.

Kung gusto mo ng tulong kung paano magsimula, nandito lang ako!

Savings + Investments + Insurance 👍
27/02/2026

Savings + Investments + Insurance 👍

SWEL-DAY NA! Happy Sahod sa lahat ng mga nagsisikap! Mabuhay po kayo!Pa-survey lang po: Saan napupunta o mapupunta ang ...
27/02/2026

SWEL-DAY NA!
Happy Sahod sa lahat ng mga nagsisikap! Mabuhay po kayo!

Pa-survey lang po: Saan napupunta o mapupunta ang sahod mo today? Let's go and react! G?

Congratulations to my client for protecting his income! He is insured with the following benefits below. If you need a s...
24/06/2024

Congratulations to my client for protecting his income! He is insured with the following benefits below. If you need a sound advice and start a protection plan based on your budget, message me and I'll be happy to help!

Kung meron kang natutulog na pera sa banko, maliit pa ang interest at gusto mong mag-work sa iyo every year, ito ang pla...
21/06/2024

Kung meron kang natutulog na pera sa banko, maliit pa ang interest at gusto mong mag-work sa iyo every year, ito ang plan para sa iyo. Introducing our newest program - 𝗣𝗥𝗨𝗟𝗢𝗩𝗘 𝗪𝗘𝗔𝗟𝗧𝗛

Example:
💰 Nag-invest ka ng 1M sa PruLove Wealth.
💸 Every year makakatanggap ka ng 40K (4% ng 1M) for i7 years. Total of 280K money growth.
💵 After 7 years, 100% na ibabalik ang 1M na ininvest mo!
📕 Plus, you're protected with 125% insurance benefit.

LIMITED OFFER lang to! Message mo ko paano!

𝐆𝐞𝐭 𝐲𝐨𝐮𝐫 𝐏𝐞𝐫𝐬𝐨𝐧𝐚𝐥 𝐏𝐑𝐔 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐚𝐧𝐝 𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭 𝐏𝐥𝐚𝐧𝐬 𝐭𝐨𝐝𝐚𝐲 (𝐆𝐞𝐭 𝟏 𝐓𝐚𝐤𝐞 𝟖 𝐏𝐀𝐂𝐊𝐀𝐆𝐄 𝐏𝐋𝐀𝐍)𝐂𝐡𝐞𝐜𝐤 𝐨𝐮𝐫 𝐛𝐞𝐬𝐭-𝐬𝐞𝐥𝐥𝐢𝐧𝐠 𝟖-𝐈𝐍-𝟏 𝐏𝐋𝐀𝐍...
18/06/2024

𝐆𝐞𝐭 𝐲𝐨𝐮𝐫 𝐏𝐞𝐫𝐬𝐨𝐧𝐚𝐥 𝐏𝐑𝐔 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐚𝐧𝐝 𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭 𝐏𝐥𝐚𝐧𝐬 𝐭𝐨𝐝𝐚𝐲 (𝐆𝐞𝐭 𝟏 𝐓𝐚𝐤𝐞 𝟖 𝐏𝐀𝐂𝐊𝐀𝐆𝐄 𝐏𝐋𝐀𝐍)

𝐂𝐡𝐞𝐜𝐤 𝐨𝐮𝐫 𝐛𝐞𝐬𝐭-𝐬𝐞𝐥𝐥𝐢𝐧𝐠 𝟖-𝐈𝐍-𝟏 𝐏𝐋𝐀𝐍 𝐟𝐨𝐫 𝐚𝐬 𝐬𝐥𝐨𝐰 𝐚𝐬 𝐏𝟏𝟎𝟎 𝐩𝐞𝐫 𝐝𝐚𝐲.

Be protected with millions of insurance benefits while fighting inflation and
getting higher interests 🤩

Be future-ready with the NUMBER 1 Insurance Company in the Philippines
Protecting lives for OVER 176 YEARS

✅ 4,500,000 +/- projected fund value at age 65
✅ 2,400,000 tax-free inheritance for your family
✅ 1,000,000 permanent disability cash assistance
✅ 200,000 accidental benefits
✅ 500,000 critical illness (life care) ready medical fund
✅ 1,000 daily hospital confinement benefit
✅ 15,000 surgical reimbursement benefit
✅ All premiums waived upon disability

Message me for a free sample quotation. 📩

HAPPY 1st POLICY ANNIVERSARY, E10!INVESTMENT UPDATE: MY PERSONAL ELITE 10 POLICY (Saving 10k per month for 10 years)This...
04/06/2024

HAPPY 1st POLICY ANNIVERSARY, E10!

INVESTMENT UPDATE: MY PERSONAL ELITE 10 POLICY (Saving 10k per month for 10 years)

This is my 2nd personal policy with PRU aside from my other policies and group insurance benefits given by PRU.

Just to show you the Projected investment vs Actual investment
I am also insured with a 3.550 million insurance, a 2 million ready rmedical/critical illness fund and 1 million disability fund with waiver.

If you're considering another pocket for investment, have it with us. May Insurance ka na, may investment ka pa.🥰

Hi, I'm Teacher Pau, your . I help government employees like me to supplement their "retirement income" so they can sti...
07/05/2024

Hi, I'm Teacher Pau, your . I help government employees like me to supplement their "retirement income" so they can still enjoy the lifestyle they have through a safe and secure financial planning and strategy. Although my consultation is free, but the road to it, is not. Message me to know how and let start it this May 15!

Congratulations to my 13-year client! He is my former student! Grabe ang pag-paplan ni Mom mo! Hindi ka lang mag-cocolle...
30/04/2024

Congratulations to my 13-year client! He is my former student! Grabe ang pag-paplan ni Mom mo! Hindi ka lang mag-cocollege na pogi, kundi may educational fund ka pa. What's nice ay 10 years lang babayaran at meron pang money na nagwowork sa iyo kahit natutulog ka!

Address

Araneta Drive, Daisy Road, Guiwan
Zamboanga City
7000

Telephone

+639455915623

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