Medz Macasaet

Medz Macasaet 📚 Book Author -Bakit Broke Pa Rin Ang Pinoy?
🤖 7 Premium Financial Tools
💰 Premium Budgeting App
👨‍💼 Financial Associate Director Born in Olongapo City. A spark.
(2)

Raised by an OFW father and a manicurist mother. Pandesal sa utang ang almusal. Today - An author, financial coach, property investor, and founder of SmartPera. This is not a story of overnight success. Ito ay isang patunay na kahit mahirap ang simula, may pagbabago kung willing kang kumilos.

🏙
1986 — OLONGAPO CITY
Born pangalawa sa bunso sa anim na magkakapatid. Father OFW sa Kuwait. Walang ipon

. Walang insurance. But his parents valued education above all.
✈️
2010 — SINGAPORE
Left the Philippines as an OFW with no savings. Just dreams. Started in retail. Became one of the top salespersons. Knocked on doors. Surveyed streets.
💡
2014 — LIFE-CHANGING REALISATION
Medz realised he had been sending money home for years — but had no real asset generating income in his own name. This was the turning point that defined his entire career.
🎓
2021 — RFP GRADUATE
Graduated as an RFP Philippines Graduate — the premier financial planning credential in the country. A badge carried with humility and purpose.
🚀
2024–2026 — SMARTPERA
Promoted to Financial Services Manager. Founded SmartPera. Authored "Bakit Broke Pa Rin Ang Pinoy?" — a gift to every Filipino struggling financially. A roadmap. A legacy.

SmartPera was invited to speak at PICPA Singapore last Saturday.PICPA Singapore - Philippine Institute of Certified Publ...
29/06/2026

SmartPera was invited to speak at PICPA Singapore last Saturday.

PICPA Singapore - Philippine Institute of Certified Public Accountants is the professional community of Filipino CPAs and finance professionals in Singapore. Sharp people. Serious professionals.

Three lessons that hit hard:

There is no secret to investing. Consistency beats complexity. Every time.

Waiting 10 years costs you SGD 633,000 at retirement. Time is the only unfair advantage.

Retirement is not 65. It is the day your investment income covers your life.

I have shown 2 SmartPera tools -the Retirement Calculator and the Budgeting App to put the lessons into action immediately.

Because knowledge without a system is just motivation that fades.

If you are a Filipino professional in Singapore and you have not run your retirement number yet, do it tonight.

03/06/2026

Parehong OFW. Parehong sweldo. Magkaibang ending.
Hindi ito tungkol sa kung magkano ang kinikita mo. Tungkol ito sa kung ano ang ginagawa mo sa kinikita mo.
Sa video na ito, ipinakita ko ang dalawang OFW na may parehong P170k monthly income at kung paano nag-iiba ang buhay nila after 10 years base sa iisang desisyon lang: kung paano nila ini-allocate ang pera.

Sa mga magco-comment ng "di lahat may ganyang disiplina" o "madaling sabihin"

Tama kayo. Hindi madali. Pero ang tanong hindi "madali ba?" ang tanong ay "worth it ba?"

Ang OFW 1 ay hindi masama ang tao. Mahal lang niya ang pamilya niya. Pero ang pagmamahal na walang financial plan? Napapagod ka at ang pamilya mo, napapagod din.

Kung gusto mong maging OFW 2 hindi ka kailangang maging perpekto overnight. Kailangan mo lang simulan ng tama.
Same salary. Different choices. Different life.

02/06/2026

Hindi ko sinasabi na huwag kang bumili ng kotse. 🚗
Sinasabi ko — alamin mo muna ang totoo sa likod ng numbers.
Sa video na ito, pinakita ko ang actual breakdown ng isang P1M na kotse:
downpayment, interest, depreciation, at total na binayad mo.
Hindi ito atake sa pangarap mo. Ito ay financial education.
Kung naiintindihan mo ang mga numbers — mas marunong kang magdesisyon — kung kailan ang tamang panahon para bumili, kung anong klase ng sasakyan ang mas makatuwiran, at kung paano mo maa-achieve ang dream car habang nagtatayo ka ng wealth.
Maraming tao ang nagagalit sa ganitong video kasi masakit ang totoo.
Pero mas masakit ang magising after 5 years na wala kang naiponang wealth — at ang kotse mo, kalahati na lang ang halaga.
Dream car? Maaari. But build wealth first — then buy it smarter.

I had the honour and privilege to speak sa harap ng mga Filipino nurses sa Singapore bilang guest speaker ng PINAS Advo...
02/06/2026

I had the honour and privilege to speak sa harap ng mga Filipino nurses sa Singapore bilang guest speaker ng PINAS Advocacy -Philippine International Nurses Association Singapore. 🇵🇭

Why this matter to me so much?

Together with my team, Ad Astra Financial

These are the people na nagbibigay ng pinakamahalagang serbisyo sa Singapore na nasa ospital araw at gabi, malayo sa pamilya, nagpapadala ng pera buwan-buwan.

Pero almost nobody is taking care of THEIR financial future.

They take great care Pinoy man o Hindi but they walang sistema that will help them:
❌ Protektahan ang kanilang sarili kapag nagkasakit
❌ Mag-ipon para sa retirement na hindi uubos
❌ Gumawa ng plano para hindi bumalik sa Pinas na walang ipon

That's why I was there.

At yun ang mission ng SmartPera hindi lang para ibenta ng insurance, investment, kundi para turuan ang bawat OFW kung paano gamitin ang bawat dolyar at dolyar na pinaghirapan nila.

Kung ikaw ay isang Filipino professional sa Singapore
at gusto mong malaman kung tama ba ang financial path mo you can also be part of our team. Be part of a team that educates Filipinos in financial literacy.

Salamat sa PINAS Singapore sa pagkakataon. 🙏
Honored to be part of your community.



How I earn P600,000 as passive income ng wala akong involvement masyado and it grows yearly as time goes by.Ikaw where d...
29/05/2026

How I earn P600,000 as passive income ng wala akong involvement masyado and it grows yearly as time goes by.

Ikaw where do you get ytour passive income?

28/05/2026

Book na pinabasa ng Kuya ko more than 20years ago.

Mga poor mindset that I managed to change over the years that helped me build millions

Things that kept me poor more than 20years until I learned this from the book Rich Dad Poor Dad.Poor mindseti cannot aff...
28/05/2026

Things that kept me poor more than 20years until I learned this from the book Rich Dad Poor Dad.

Poor mindset
i cannot afford it.
Rich mindset
How can I afford it?

Poor mindset
I will start tomorrow.
Rich mindset
I will do it today

Poor
I am not good in money
Rich
How can i be good in money

Poor
It is too risky
Rich
If I want more, I have to take risks

Poor
Money is hard to make
Rich
How can I make money easier for me?

27/05/2026

30% growth dahil I saved it in SGD rather than PHP> It has more buying power compare if I send it back to Philippines. Lower inflation rate and stronger currency.

As an Associate Director in a financial industry, I always make sure that my time is properly leverage to grow my money ...
27/05/2026

As an Associate Director in a financial industry, I always make sure that my time is properly leverage to grow my money towards sustainable wealth over time.
I am strong believer ng patience, commitment and leverage.

As an associate director in the financial industry, I manage and mentor my team. I do my own investments. But since busy most of the time, i look for ways to invest where I wont have to monitor it daily.

So, what I did? I diversify my portfolio to invest in dividend funds. Yes meron charges. But charges are something i am willing to pay to leverage my time and keep me committed. I invest in funds sa singapore that generates dividends every quarter.

So far, i find it one of the most satisfying decision I made dahil I can focus on what I want to do while growing my wealth. Ikaw?

26/05/2026

I always want to make my money work hard for me. As a busy professional, checking your investments daily is really tough. So I find ways to grow my money while it generates me passive income thru dividends. Simple idea but works.

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Singapore

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+6584285361

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