12/01/2026
๐ธ ๐๐๐๐๐ฟ๐ ๐๐ผ ๐๐๐ ๐๐๐๐ ๐๐๐๐! ๐ธ
๐๐ค๐ช ๐ฃ๐๐๐ ๐ฉ๐ค ๐จ๐๐ฉ ๐๐จ๐๐๐ ๐ข๐ค๐ฃ๐๐ฎ ๐๐ค๐ฃ๐จ๐๐จ๐ฉ๐๐ฃ๐ฉ๐ก๐ฎ ๐๐ค๐ง ๐ฎ๐ค๐ช๐ง:
1) ๐พ๐ค๐ข๐ฅ๐ง๐๐๐๐ฃ๐จ๐๐ซ๐ ๐๐๐๐ ๐๐ฃ๐จ๐ช๐ง๐๐ฃ๐๐ ๐ฌ/ ๐พ๐ง๐๐ฉ๐๐๐๐ก ๐๐ก๐ก๐ฃ๐๐จ๐จ, ๐ผ๐๐๐๐๐๐ฃ๐ฉ, ๐ฟ๐๐จ๐๐๐๐ก๐๐ฉ๐ฎ, ๐๐ฃ๐ ๐๐ค๐จ๐ฅ๐๐ฉ๐๐ก๐๐ฏ๐๐ฉ๐๐ค๐ฃ ๐ง๐๐๐๐ง๐จ ๐๐ฃ๐ ๐๐๐
Walang budget for these things pero may trabaho/negosyo?
It's not a priority problem. Not a money problem.
If you are not at least P3,000,000 liquid, you need to include healthcare in your priorities over non-essentials.
2) ๐๐๐ฉ๐๐ง๐๐ข๐๐ฃ๐ฉ ๐๐ช๐ฃ๐
Wag ubusin ang sweldo ngayon. Kasi mahaba pa ang buhay.
10M retirement pay from your company?
Pagkain lang yan for 20 years.
How?
Check how much do you spend on grocery, palengke, grab, resto dine ins, and take outs in a month now. Multiply that to 20 years and add inflation.
3) ๐๐๐๐ก๐ฉ๐ ๐ผ๐๐๐ช๐ข๐ช๐ก๐๐ฉ๐๐ค๐ฃ
You need to grow your income over time through various savings and investments baskets.
Because Accumulated Wealth:
- is a safety net for any kinds of financial setbacks
- gives you freedom to pursue good opportunities or business ideas
- allows you to be more flexible with your choices
Higit sa lahat, if may na-accumulate ka, mas less ang anxiety sa buhay!
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