Millionaire in Progress

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Millionaire in Progress

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Prexel Parnacio is a Registered Financial Planner®, Personal Finance Coach, and founder of Millionaire in Progress. She is also a YAMAN Coach under Personal Finance Advisers. Since 2017, she's been educating Filipinos especially young adults about personal finance through her talks/webinars, individual & group consultations, and her content on various social media platforms. In May 2021, she was r

ecognized by Manila Bulletin as one of the Tiktokers to follow for Financial Literacy.

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Millionaire in Progress or MIP was born in 2017 with the vision of educating Filipinos on the importance of financial literacy. MIP started as a page and eventually grew into providing different personal finance-related services. In September 2021, MIP ACADEMY, MIP's signature 1-on-1 financial coaching program was officially launched.

16/07/2026

Went to the dentist para sana magpa-pasta. Turns out, kailangan ko na pala ng root canal. 😬

Mejo na-shookt talaga ako sa presyo. Habang naglalakad pauwi, paulit ulit ako kay hubby na "Nu ba yan, gastos nanaman?!"

After awhile, I caught myself. Bakit ba ako natatakot eh pinaghandaan ko naman yung mga ganitong "unexpected" na gastos gamit ang sinking funds ko?

Yan nga mismo tinuturo ko sa mga coahing clients ko. lol... Well, iba din kasi pag ikaw na mismo yung nasa situation.

Ang mas nakakatawa pa, nung gold ang binibili ko nung nakaraang mga buwan eh wala talaga akong masyadong isip-isip. Go na agad.

The here I am sa dental needs? Nagdadalawang-isip pa 😅

Siguro it's because I look at gold as something na may guaranteed return. May makikita akong pagbalik dun sa pera ko. Pero sa ngipin, wala namang "return" na ganun ang usapan. Kaya mas nararamdaman yung "sayang."

But then, hindi lang naman tungkol sa return on investment usapan dito. It's also about minimizing losses ang managing risks.

Kung ipagpapaliban ko pa yung root canal ngayon, mas bibigat lang yung problema later on. Mas malaki pang gastos. Mas malaki pang sakit na kelangan kong pagdaanan. Yung "sayang" na naramdaman ko now, magiging regret pa later on.

Kaya this reminded me na hindi lang dapat puro "invest, invest, invest" ang laman ng financial plan natin.

Kailangan din nating maglaan ng pera para sa pag-manage ng risks. Yan yung yung emergency funds, healthcare coverage at mga insurance natin. Mga bagay na hindi mo pa agad ma-appreciate yung value hangga't di mo kinailangan.

So kung matagal ka nang nagp-procrastinate about sa insurance o emergency fund mo dahil mas exciting mag-isip ng investments, this is your sign na i-prioritize din ang mga yan.

📌 Want more conversations about money mindset, budgeting and debt? Sali ka sa community natin na MIP Powerhouse and receive your welcome gift na "7-Day Money Guide".

Comment JOIN to receive an invite.

14/07/2026

Struggling with impulse buys? Di ka mapakali ‘pag di mo nabili but at the same time you feel guilty about these unplanned purchases?

These 5 questions will help you reflect and rethink before you hit check out 🛒

📌 Comment “JOIN” to receive an invite to join our community and get your 7-Day Money Guide.

13/07/2026

Stop asking, "Ano ba yung best budgeting method?"

Start asking, "Ano ba yung best budgeting method PARA SA AKIN?"

Magkakaiba kasi tayo ng situation…

- I have one client who gets paid monthly.
- Another gets paid every Friday.
- Another is a freelancer na hindi alam kung magkano darating next month.
- Meron ding business owner na may mga pinapasahod.

If I gave all four of them the exact same budgeting advice...

I'd be setting at least three of them up to fail. 😬

We've been programmed to think may iisang "tamang paraan" sa pagbudget. Na kung gagawin mo yung ginawa ng iba, gagana rin sa'yo.

Generic financial advice isn't wrong. It's just incomplete without context.

So kung pagod ka na kaka-DIY at trial & error sa mga budgeting templates, let me help you create a budgeting system na swak sa type ng income and spending mo.

If you've tried budgeting before and it never seems to stick, maybe the problem isn't you.
Maybe you've been following a system that wasn't built for your situation.

We have a live training inside MIP Powerhouse on how start building a budgeting system fit for your situation.

📌 Comment "JOIN" and I'll send you the invite sa inbox mo.

P.S. Results achieved by one of my students
👇👇👇

09/07/2026

5 Levels na pinagdadaanan ng mga may 6 to 7 digits credit card debt. Nasaang level ka na? 🧐

📌Comment “Preview” to get a free guide on how to pay off your debts.

08/07/2026

Sure kang .49% interest lang ba talaga ang binabayaran mo sa mga loan?

May mga not so obvious kasi na costs of debt na hindi makikita Statement of Account mo. Walang due date pero araw-araw mo siyang binabayaran.

Let me tell you what I mean.

1️⃣ Yung mga trip na "sa susunod na lang."
Yung reunion sa Boracay? "Next time na lang." Yung birthday trip na pinangako mo sa sarili mo? "Pag tapos na yung utang." Tuloy-tuloy lang ang "next time" habang tumatakbo ang mga taon. Di mo namamalayan, you're sacrificing the the life you should be living.

2️⃣ Yung mga opportunities na tinanggihan mo kasi di kaya ng cashflow.

May maliit na business na gusto mong subukan? Investment and learning opportunities? Di kaya eh kasi nga may mga utang na due every month or week. At habang tumatagal, dumadaan lang yung mga chance na baka di na ulit dumating.

3️⃣ Yung worry and anxiety kakaisip sa mga utang.

Ito siguro yung pinaka-mabigat. Gigising ka pa lang, iniisip mo na agad kung anong bill ang darating. Kumakain kayo out with friends, tapos sa isip mo, "kaya ko pa ba 'to?" Tumunog yung notification or nag ring yung phone mo, kabog agad ang dibdib bago mo pa mabuksan. Minsan nga di ka na rin makapag-focus sa work.

Sounds familiar? These are the true costs of debt. Hindi lang yung interest. Kundi yung mga parte ng buhay mo na naka-pause while you're paying off your debt.

Pero sabi ko na dati at uulitin ko: debt can happen to anyone. Hindi ito tungkol sa pagiging walang disiplina. Minsan isang emergency lang. Minsan ilang "maliliit" na decisions na biglang nag-pile up. Life happens.

Ang importante, may way naman pabalik. And it starts with realizing these 'other' costs aside from the interest. Sana maging mabigat na rason ang mga ito so you'll find the courage na gumawa ng paraan para makabangon.

If you are in debt. I hope you get to owni 100% of your choices again.

📌 Comment "PREVIEW" if you want a free sneak peek of The Debt-Free Playbook + Toolkit.

Invite na din kita to join our community, MIP Powerhouse where we talk about not just debt but how to manage your money well. See you!

07/07/2026

To most people, debt is just a number. But it’s actually so much more than that.

It's the version of you that keeps waiting for "someday"…

someday you'll travel, someday you'll say yes to that opportunity, someday you'll sleep through the night without your mind running through bills.

But here's the thing: you don't have to wait for "stable" to start taking your life back. 🤍

Comment "PREVIEW" and get a preview of the Debt-Free Playbook to get started.

06/07/2026

One time, I shared that my parents were able to build a few apartments for rent.

Same post, binanggit ko rin na pareho silang government employee.

Guess what, a couple of comments blatantly pointed out na imposible daw yan mangyari for government employees nang hindi nangungur*kot. As usual, ang dali nanamang mag-conclude tungkol sa mga taong hindi mo naman kilala.

Naalala ko lang now that both of my parents are already retired after serving for at least 37 years.

Yep, they worked for almost 4 decades. Hindi madali ang buhay pero sinikap nilang pag-aralin kaming magkakapatid and at the same time paghandaan ang retirement days nila.

Mahirap? Oo. Imposible? Hindi.

May linya sila na hanggang ngayon naaalala ko. Tuwing may gusto kaming bilhin na hindi naman talaga need, sasabihin nila:

"Naku, naipambili na ng semento 'yan." 😅

I guess those who commented that underestimate the power of handling your money well, being strategic with loans and patience it takes to make your vision come to life.

Hindi ibig sabihin na kapag nasa gobyerno ka eh ganid ka na kaagad. There are still (a lot) people who do honest work and try their best to serve our communities.

Anyway, my parents' journey inspired me enter real estate as well. Hoping that this investment will be able to support us too in our retirement years.

Ikaw, what money lessons have you learned from your parents?

📌 Inviting you to join our community MIP Powerhouse to learn more about budgeting, paying off debt and invetsing. Comment "JOIN" to receive an invite!

29/06/2026

Nabubulok na ngipin? 😬

—-

Unsolicited advice from someone dealing with financial problems every single day.

Here's something I've noticed…

80-85% ng mga lumalapit sa akin for help, malala na pala ang sitwasyon nila:

Marami nang tumatawag from collections.
Marital problems because of financial infidelity.
May iba namang sobrang dami nang monthly commitments — bahay, kotse, insurance — na hindi na pala kaya ng income.

Parang nagpa dentist lang sila ng nung decayed na ang ngipin tapos ang options nalang eh bunot or root canal. Mas masakit. Mas mahal. 🦷

Kaya here's my advice: kapag nararamdaman mong may "ngilo" na sa finances mo, magpa-check ka agad.

Hindi mo naman kailangang magbayad ng financial professional like me to start. Pwede ka munang mag-research on your own, mag-implement ng good money habits paunti-unti, gumawa ng goals, magkaroon ng financial plan kahit informal lang muna.

Alam mo naman 'yan sa sarili mo, di ba?

Yung sapat naman ang income, pero lagi pa rin petsa de peligro.

Yung may gusto kang bilhin pero sobra ang guilt. Sa isip mo, "di bale, may sahod naman parating." Pero ang totoo, ayaw mo nang tingnan kung magkano na 'yung dinadala mong credit card balance.

Yung alam mong malapit na mag-college ang anak mo, pero hindi ka sure kung saan kukuha ng pambayad ng tuition.

So kung isa ka sa mga nakakaramdam ng ngilo, I hope you do something about your finances NOW.

Scrolling through tipid tips is different from taking action. Wag na hintaying sumakit na nang sobra bago kumilos.

P.S. You may start with The 7-Day Money Guide! Access it for free when you join oir community MIP Powerhouse.

📌Comment “JOIN” to receive an invite!

22/06/2026

₱500,000 monthly income

Yan ang sinulat ko when I did a wealth vision exercise back in 2016.

So for many years, I hustled HARD. Corporate job during the day, side gigs sa gabi at weekends. Gunning for that promotion, trying every raket possible, building multiple income streams kasi 'yan daw ang formula to wealth, diba?

Eventually, nakarating ako sa 6-digit total income per month. Lumaki ang savings at investments ko. , but in reality? I am EXHAUSTED.

Working evenings. Working weekends. Nearly underweight. Chronic headaches. Umuuwi lang sa Baguio para bisitahin ang parents ko twice a year. Hindi na nga ako niyayaya ng friends ko gumala kasi alam nilang tatanggi lang ako.🙃

Sa lagay na yan, ang layo ko pa rin sa 500k per month. Sabi nila this is the way. Hustle hard daw pero parang may mali.

When the pandemic happened, napaisip talaga ako. May mga loved ones at friends akong nag pass away. Ako mismo nagka-COVID.

I had to ask myself: "Para saan ba talaga 'tong lahat?"

That's when I realized something that changed everything. I needed to discover what truly matters to me beyond the numbers in my bank account.

I let go of the 500k.
What did I truly want? Freedom.

- Freedom from expectations
- Freedom to do what I want, whenever and wherever
- Freedom to wake up feeling refreshed, hindi parang zombie

Hindi ko pa alam kung paano ako magiging free that time but fast forward now, I'm proud to say sa old self ko na "Congrats, kinaya mo!"

✅ Nakakapaglaro ng pickleball with Papa on a random Tuesday afternoon.
✅ Nakakapag-day off whenever I want without begging for a sick leave.
✅ Have slow mornings with my husband at kausapin ang mga halaman ko before working. 😄

Mga simpleng bagay na walang malaking price tag pero di ko magawa-gawa dati.

Plot twist: Hindi pala ako nag-iisa

A third of the individuals and couples I work with in my coaching programs earn at least ₱120,000 per month. Pero stressed out pa rin sila sa expenses, debt, at araw-araw na buhay.

Kasi it's never about how big your income is. It's about ALIGNMENT. Know what you want out of this life. And most probably? It costs less than what you think.

Kaya pag may nagko-consult sa akin asking kung saan ba okay ilagay ang pera, saan ba okay mag-invest, ano bang okay na business...

I ask first: "What do you want out of this life?"

Ang korni, 'noh? Akala nila ine-echos ko lang sila. But that's actually the most crucial step.

Kasi kahit saan mo ilagay ang pera, if it doesn't move you closer to the life you actually want, you'll never be happy and contented.

So let me ask you today: "What do you REALLY want your life to feel like?"

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📌 Looking for free money guides and resources na aligned sa life na gusto mong i-build? Join our community MIP Powerhouse.

Comment "JOIN" to receive an invite!

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