Pera and Purpose Podcast

Want to level up your PowerPoint game?Join us for Present Better, a free workshop designed to help you create and deliver presentations that do more than look good — they connect, engage, and leave a lasting impact.📅 August 24, 2025🕑 2PM to 4PM📍 BHub, Burjuman Mall🎟 Free Event. Limited Seats Only! Register now via this link - https://forms.gle/UE862CU3wRJkqV7Z8Learn from Dr. Rex Bacarra as he shares practical tips and techniques you can use right away, whether you’re teaching, training, or presenting to clients.===He was a teacher who had nothing.No business.No inheritance.Not even a permanent home.For 5 years, he was homeless, sleeping in parks, walking miles just to survive.But somehow, he got out.And what he did wasn’t what you’d expect.In this episode, you’ll hear how Doc Rex escaped poverty not through shortcuts, but through a mindset shift that changed everything.📍If you’ve ever felt stuck, broke, or behind in life… this story is for you.==Connect with Dr. Rex https://www.instagram.com/the_philosopher_monk/Follow PROANGAT by ProFriends FB Page https://www.facebook.com/proangatbyprofriends

📅 OFW in Dubai? Attend my first meet and greet event: https://lu.ma/f0vf3yrj 💸 Apply for Financial Coaching: https://tidycal.com/jayadriantolentino/apply-for-coaching

🎟️ Free event. Limited slots. Register now through this link - https://forms.gle/q6YWasLpLyzk8QqC6📍 Ostro Restaurant, Dusit D2 Kenz Hotel, Barsha Heights🗓️ July 25, 2025🕖 7PM to 10PM===Many OFWs think they have to choose between a stable career and their passion, pero what if you didn’t have to pick one over the other?In this episode, we explore how following your passion alongside your career can open unexpected doors.James Morales is a Cluster Assistant Marketing Manager at one of the world’s largest hotel groups—and a men’s fashion and lifestyle content creator who’s worked with brands like Nike, H&M, and Marks & Spencer.His journey shows how OFWs can build a meaningful personal brand, stay grounded in their day job, and still create space for passion, growth, and joy.This is for OFWs curious about reinvention, self-expression, and building a life you actually enjoy.Follow James Morales: https://www.instagram.com/jamesfeedstyleFollow PRO-ANGAT by Profriends FB Page: https://www.facebook.com/proangatbyprofriends/

✅ Register for Hyku's upcoming workshop: https://forms.gle/QN6DN7cti9WL4cgd9📅 Schedule Your Financial Clarity Call with Kuya Jay: https://jayadriantolentino.com/financialclaritycall?video=jUWfedLfngE============At 19, Hyku Desesto dropped out of college and gave birth to her son on the day she turned 20. Not long after, she moved to Dubai—with a plan and a deep sense of purpose. By 22, she was running Hyku D Photography and working with global brands like Netflix, Louis Vuitton, Nestlé, and MAC Cosmetics.Today, she's one of the most celebrated Filipina photographers in the UAE. She was awarded the Ten Outstanding Young Men (TOYM) honor in 2023, won Best Photographer at the Illustrado Women of Substance Awards, and received recognition in Netflix’s Girl Boss Campaign in 2022.In this episode, Hyku opens up about what it really took to succeed early—sacrifice, self-doubt, and starting before she felt ready.We talk about money, motherhood, critics, confidence, and what she hopes her son remembers about her someday.If you’ve ever felt torn between survival and chasing your craft, this one’s for you.============Connect with Hyku: https://www.instagram.com/hytotheku/Follow PRO-ANGAT by Profriends FB Page: https://www.facebook.com/proangatbyprofriends

📅 Schedule Your Financial Clarity Call: https://jayadriantolentino.com/financialclaritycall?podcast=howmuchdoyouneedtoretire⬇️ Download the Retirement Calculator here: https://jayadriantolentino.com/resources?video=wgkzK1FTHRg=========Most OFs have no idea how much they really need to retire.In this video, I’ll walk you through the exact process I use with my clients to calculate their retirement number — using real-life data, simple projections, and zero fluff.✅ No guessing✅ Just a clear, practical way to know how much you need — based on your goals, lifestyle, and future location.===CHAPTERS:Step 1: 1:10Step 2: 2:43Step 3: 4:08Step 4: 6:34

Attend the next PRO-ANGAT event happening on May 23 : https://forms.gle/twcdgnacV5gXwpKa8📅 Schedule Your FREE Financial Clarity Call with Kuya Jay: https://jayadriantolentino.com/financialclaritycall==She sells luxury for a living — but doesn’t believe in spending to impress.Meet Gweys Soriano, founder of Watch Girl Dubai, a Filipina entrepreneur in the UAE luxury watch scene.Her mindset?“Inisip ko, wala akong pera.”Even when she had money, she acted like she didn’t — and that discipline helped her succeed.In this conversation, we unpack:- How to spend on luxury without losing control of your money or values- How to dress with confidence — and which timepieces might actually grow in value- Gweys' practical philosophy on money, self-worth, and success

Book your clarity call today: https://bit.ly/3Gjhm8S====If you're earning ₱250K to ₱800K/month abroad but still feel stuck, this video is for you.You have savings, insurance, even investments—but deep down, you’re unsure where it’s all leading. You’re not alone. I call this The Clarity Gap—the space between earning well and knowing exactly what you’re building.CHAPTERS:Reason #1: 00:47Reason #2: 02:02Reason #3: 04:07Reason #4: 05:42Reason #5: 07:07

Book your free clarity call today: https://bit.ly/4jjeA1WWe’re about to lose ₱307,000… and we still don’t know if we should walk away.This isn’t a theory video. This is real.My wife and I bought a pre-selling Ayala condo in South Park District, thinking it would pay for itself over time.But now that turnover is approaching — and the numbers are in — we’re not so sure anymore.In this episode, I’ll take you inside:- The exact cash flow projections we ran (worst, average, best case)- How much we’d lose if we walked away today- What most condo investors don’t realize until it’s too late- And the psychology that keeps people stuck in bad investmentsIf you’re deciding whether to continue or cut losses, this might be the clarity you’ve been waiting for.

📢 Pro Angat Talks Free Registration: https://bit.ly/4iXa3BEREGISTER NOW!In celebration of International Women’s Month, PRO-ANGAT proudly presents its first event! Join us for an inspiring panel discussion featuring successful Filipino career women who have mastered the art of thriving in competitive careers while embracing motherhood—all while living abroad. 💪👩‍👧‍👦Wo-Moms Day: Balancing Ambition, Parenting, and SelfHosted by Mariben Tan Eustaquio, alongside three impactful Filipinas excelling in different careers in Dubai: Mary Joy Laquihon, Dr. Mary Jane Alvero - Al Mahdi, & Louie da Costa📅 March 23, 2025⏰ 2:00 PM - 4:30 PM📍 Lifestyle Area, Sari-Sari Store, Albwardy Investment BuildingGet ready for real stories, powerful insights, and practical strategies from women who have redefined success, resilience, and balance.This is a FREE event! Secure your spot now!🎁 Exciting raffle prizes & special gifts await! Limited to 50 participants—first come, first served!Stay tuned for more details! 💙========================SKIP TO THE BEST PARTS:Raising Kids VS Growing A Business 03:05Getting 3 Majors and Being a US Stock Broker 04:18Coming to Dubai 15 Years Ago 08:42Why You Must Make Time for Your Kids 10:36On Starting EZone 13:01The Hardest Part When Starting A Business 19:16The Mindset Mariben Had From Being An Admin to Becoming A Director 21:17How She Raised Her Kids While Growing Ezone 25:10Being Betrayed By Her Trusted Employees and How She Bounced Back 31:48Why She Prioritizes Education for Her Kids 43:31Her One Biggest Lesson in Business 46:40What Legacy She Wants to Leave Behind 50:58====Success isn’t just about talent.It’s about resilience, tough choices, and staying true to your purpose.Even when everything seems stacked against you.In this episode, I sit down with my friend Mariben Eustaquio, founder of EZONE Business Setup Dubai, a mother of three, and a Board Director for the Philippine Business Council Dubai and Northern Emirates.Her journey?Nothing short of extraordinary.From starting as an admin to leading a thriving company, Mariben built her success one decision at a time. But it wasn’t all smooth sailing.She opens up about:→ The defining moment that pushed her to start EZONE→ Facing betrayal from her own employees—and how she rebuilt→ Juggling motherhood and entrepreneurship without losing sight of her vision→ Hard-earned lessons every business owner and working parent should hearMariben’s story isn’t just about business..It’s about faith, resilience, and proving that women don’t have to choose between ambition and family.This episode is powered by ProFriends as part of the Pro Angat Series, a platform that uplifts and empowers Filipinos to reach new heights in career, business, and life.Listen in for a conversation packed with real talk, tough lessons, and the mindset shifts that drive lasting success!--Follow Mariben on instagram: https://www.instagram.com/maribeninthecity/

📅 Schedule Your Free Clarity Call: https://bit.ly/claritycallwithjay⬇️ Download MYNE today: joinmyne.com=========If I were to start investing again in 2025, I’d keep it simple—no individual stocks, no hype, and definitely no get-rich-quick schemes.I’ve made all the mistakes before—getting scammed, losing money in bad investments, and even falling for FOMO plays like Axie Infinity. But after years of trial and error, I’ve figured out a strategy that actually works.In this video, I’ll share:✅ How to Build a Solid Foundation Before Investing – So you can invest with confidence✅ My Simple Investment Strategy Using a Globally Diverse Ireland-Domiciled ETF – For long-term wealth building✅ The Biggest Investing Mistakes to Avoid – So you don’t reset your progress like I didThis is the investing strategy I wish I had followed earlier—no stress, no complications, just results.CHAPTERS:PART 1: Building A Solid Foundation: 02:21How to Calculate for the Future Value of Money: 02:44Risk Tolerance & Risk Capacity: 04:39Automate Tracking of Finances Using MYNE: 06:12Why You Need to Pay Off Your Credit Card First: 08:43Protect Yourself From Risks: 10:12PART 2: Simplify Your Investment Strategy: 11:23Intro to Globally Diverse Ireland-Domiciled ETF: 11:53Tax Benefits of Investing in Ireland: 14:14Intro to ETFs: 16:09Intro to Vanguard LifeStrategy Fund: 17:27Why Reinvesting of Dividends is So Powerful: 17:56Stocks and Bonds 96-Year Performance: 19:03Why Not Invest in USA Only? 22:18The Impact of Fees to Your Investment: 23:00The Risks of Investing in Pag-Ibig MP2: 26:17The Risks of Investing in Global ETF's: 29:04PART 3: Avoid Common MistakesThe Dangers of Timing the Market: 31:43Investing in Actively Managed Funds: 34:46Co-Mingling of Funds: 36:33Mismatch of Goals, Timeframe and Asset Class: 37:16Index Funds VS Active Funds: 39:25Recap: 41:17

Download TapTap Send today:🤖Google Play Store: https://bit.ly/3KCAmyq🍎Apple App Store: https://apple.co/3qsTQiiBonus of promo code KUYAJAY for 1st senders to PH:UAE - AED 25US and Canada - $20UK - GBP 10EU - EUR 10==============================Are you thinking about buying a condo in the Philippines? Before you make that big investment, watch this masterclass to avoid costly mistakes that could lose you hundreds of thousands!In this video, I’ll walk you through:✅ How to Gain Clarity on Your Condo Investment Goals✅ Planning Carefully Using the Hierarchy of Financial Needs✅ Doing Your Own Research to Protect Your Hard-Earned MoneyCHAPTERS:Gain Clarity - 05:28Careful Planning (Hierarchy of Financial Needs) - 09:59A sample Spending Plan - 14:57Do Your Own Research (DYOR) - 16:19→ AI Tools - 16:30→ BSP’s RREPI and How to Compute for CAGR - 20:24→ How to Check for Zonal Value - 22:40→ Global Property Guide - 24:28→ Location - 25:48→ Property Developer - 27:17→ Future Expenses - 31:28→ Mortgage Calculator - 32:52→ Reminder for Commission-Based Professionals - 34:20→ Sample Future Spending Plan - 37: 30→ How to Check for Inflation, Interest Rates and Exchange Rates - 39:23Things to Avoid - 41:33Experience of People I’ve Worked With - 45:53The 2 Types of Investors - 47:40==============================LINKS📅 Schedule Your Free Clarity Call: https://bit.ly/claritycallwithjay📚Download My Free Resources: https://jayadriantolentino.com/resources

The Philippine real estate market is shifting, and condo owners and investors are facing a big decision—should you buy, sell, or hold your condo in 2025? With an oversupply of condo units in Metro Manila (and other areas), declining rental prices, and increasing maintenance costs, knowing the right move can save or make you money. In this episode, we run the actual numbers with Coach Efren Cruz, a financial planner with over 40 years of experience, to help you make a data-driven decision. Whether you're a first-time condo buyer, a real estate investor, or a current unit owner, we break down: ✅ Buying a condo in 2025 – Is this the right time to invest, or should you wait? ✅ Holding your condo – Will your unit appreciate, or are you losing money? ✅ Selling your condo – Should you exit now before the market declines further? Connect with Coach Efren: https://www.facebook.com/ask.a.friend.ask.Efren/ Watch on Youtube: https://youtu.be/RlI0jxy262g -- 📅 Schedule Your Free Clarity Call: https://bit.ly/claritycallwithjay 📚Download My Free Resources: https://jayadriantolentino.com/resources

Metro Manila’s condominium market is facing an unprecedented challenge: an oversupply of units has left buyers, investors, and developers grappling with uncertainty. In this video, we’ll uncover the factors behind this crisis and explore what it means for property owners, potential buyers, and the overall real estate market. Joining us is Dr. Ben Lebig Jr, a financial planning expert, entrepreneur, and author of TRENDING UP: Expat’s Guide in Building a Strong Foundation on Investments. As the founding chairman of the Association of Registered Financial Planners UAE Chapter, Dr. Lebig has guided countless individuals, especially expatriates, in making informed financial decisions and achieving wealth-building goals. With his expertise and actionable insights, Dr. Lebig will help us understand: - Why this oversupply happened [03:45] - Mis-selling of a lot of agents to OFW's [09:12] - The Dangers of Condo Flipping [13:10] - Is the market crashing? [13:54] - How to navigate this situation [16:42] - Great locations for short-term leasing [22:01] - Importance of having an Emergency Fund [26:07] - Are there opportunities now that are similar to what happened during pandemic [27:42] - Dangers of Pasalo Units [29:37] - Should you go for the condos now or those that are pre-selling [32:41] - Ben's CONDOMINIUM Checklist [35:50]- Closing message [45:35] Connect with Ben: LinkedIn: Instagram: Buy his book Trending Up: Expat’s Guide In Building Strong Foundation On Investments: LINKS 📅 Schedule Your Free Clarity Call: https://bit.ly/claritycallwithjay 📚Download My Free Resources: https://jayadriantolentino.com/resources 📚Watch on YouTube: https://youtu.be/RFDhF5-kavI

In this video, I react to a heartfelt compilation of retirees sharing their biggest financial and life regrets. From the importance of saving early to the lessons learned from health and career decisions, these reflections offer valuable insights for anyone planning for their future. Discover the common mistakes retirees wish they could undo, like cashing out retirement accounts prematurely, neglecting health, or underestimating the challenges of retirement life. If you’ve ever wondered how to secure a regret-free retirement, this video is a must-watch. Let’s learn from their experiences so we don’t make the same mistakes. Whether you’re just starting your career or nearing retirement, the wisdom in these stories can guide you toward a better financial future. Video credit to Business Insider watch it here: https://www.youtube.com/watch?v=hbMRv19SkXY&ab_channel=BusinessInsider LINKS 📅 Schedule Your Free Clarity Call: https://bit.ly/claritycallwithjay 📚Download My Free Resources: https://jayadriantolentino.com/resources 🍿Watch on Youtube: https://youtu.be/Ppn2MXi2nNU — WHO AM I? Jay Adrian Tolentino AKA “Kuya Jay” is a Financial Educator and Financial Coach based in Dubai, UAE. He helps UAE expats save, budget, invest and live life in their own terms thru Financial Education and Coaching. He gained his expertise after experiencing financial pitfalls such as getting scammed, buying unnecessary and expensive financial products, losing money due to improper investment strategies, and accumulating debt in his first year as an expat. His passion for Financial Literacy has made him a trusted person on money matters. He has delivered talks to various organizations, companies, and universities. In 2020, Jay was invited to speak at the Philippine Congress about a national issue that would impact the financial situations of Filipinos living abroad. Today, he hosts the Pera & Purpose Podcast, which teaches people on how to use money as a tool to live a meaningful life.

How often do you set financial goals, only to feel overwhelmed or lose focus along the way? It’s not that you lack ambition—it’s that most goals fail because they’re not built on a clear vision or a solid plan. In today’s episode, we’re diving into the strategies that can change that. What You’ll Learn in This Video: ✅ Impossible, Possible, Probable and Given - 3:13 ✅ How to create a compelling financial vision - 7:30 ✅ The Have-Do-Be exercise for clarifying your dreams - 8:00 ✅ Crafting Long and 3-Year Visions - 13:00 ✅ Sharing my personal vision - 14:15 ✅ Prioritizing your goals based on your Wealth Stage - 17:00 ✅ Writing SMARTER goals for success - 25:2 1Bible Verse: 30:22 -- LINKS 📅 Schedule Your Free Clarity Call: https://bit.ly/claritycallwithjay 📚Download My Free Resources: https://jayadriantolentino.com/resources

Tired of making financial resolutions that fail? 88% of resolutions don’t even make it past two weeks, especially when it comes to money. But there’s a better way! In this video, I will show you why resolutions fail and share the 5-step Payday Checklist that helped me: - Pay off debt - Build an emergency fund - Start investing - Grow my net worth by 30% in just one year! What You’ll Learn: 1. The 3 reasons why financial resolutions don’t work, including unrealistic goals, restrictions, and relying on willpower alone. 2. How to replace resolutions with a practical Payday Checklist. -- Download my Intentional Spending Plan: https://jayadriantolentino.com/resources Download TapTap Send today: 🤖Google Play Store: https://bit.ly/3KCAmyq 🍎Apple App Store: https://apple.co/3qsTQii Bonus of promo code KUYAJAY for 1st senders to PH: UAE - AED 25US and Canada - $20UK - GBP 10EU - EUR 10

In this episode, we explore the growing trend of DINK couples—those who are Dual Income, No Kids—and how this lifestyle is reshaping traditional ideas about family, finances, and fulfillment. Our special guest, Sharday Filio, a seasoned marketing and public relations professional based in Dubai, shares her experience of choosing a child-free life with her husband, Jeremy. Married since 2021, they’ve embraced a lifestyle that prioritizes freedom, flexibility, and pursuing their shared passions, like traveling. WHAT YOU’LL LEARN: Advantages and challenges of the DINK path Tackling questions about societal pressure, financial planning, and personal fulfillment. How does living child-free impact their goals? What lessons can we learn from this growing trend? Connect with Sharday: https://www.instagram.com/shardraco/ Join our community: https://whop.com/peraandpurpose/

We often view wealth-building as securing our future, but what if you never get to enjoy it? This episode explores the philosophy from Bill Perkins' Die With Zero, which encourages aligning your resources with meaningful experiences. Rather than saving everything for later, Perkins argues that true wealth is found in experiences, not just in money. We'll dive into how this mindset can lead to a more fulfilling life, avoiding the trap of working too long and missing out on joy and opportunities. What You'll Learn: The meaning of "dying with zero" How to balance saving and enjoying life The concept of "memory dividends" Importance of living with intentionality Taking calculated risks while young The benefits of giving generously while alive Managing unpredictability in lifespan and health Using "time buckets" to plan life experiences Practical tips for work-life balance and fulfillment How to avoid oversaving and maximize life experiences Join the community: https://whop.com/hub/peraandpurpose/

Christmas is the most wonderful time of the year, pero madalas, ito rin ang panahon ng "overspending." Pagkatapos ng holidays, ang daming nauuwi sa utang dahil sa impulsive shopping at di-planadong gastos. Ayon sa Bangko Sentral ng Pilipinas, ang household consumption ay tumataas tuwing fourth quarter dahil sa holiday spending. Sa podcast na 'to, pag-uusapan natin ang mga simpleng paraan para mag-enjoy sa Pasko nang walang financial hangover. By the end of this episode, you'll learn how to take control of your holiday spending para ma-enjoy ang Pasko ng walang financial stress. Join our community for free: https://whop.com/peraandpurpose/

Many Filipinos struggle to build wealth, not because they aren't working hard, but due to cultural expectations around money. In the Philippines, finances are closely tied to family and community, often leading to pressures that keep people financially stuck. Obligations like supporting extended family or maintaining appearances can hurt financial health. This episode explores how these cultural norms prevent financial freedom and offers ways to shift your mindset, so you can use money in a way that serves you, rather than being controlled by societal pressures. 🧠What You’ll Learn: The impact of utang na loob and pakikisama on financial stability Historical and cultural roots of these practices Balancing cultural values with financial responsibility Practical steps for managing cultural expectations 📢Join our Community: https://whop.com/peraandpurpose/ Download TapTap Send today: 🤖Google Play Store: https://bit.ly/3KCAmyq 🍎Apple App Store: https://apple.co/3qsTQii Use promo code KUYAJAY to get: UAE - AED 25 US and Canada - $20 UK - GBP 10 EU - EUR 10

Ang ironic, di ba? The less money you have, the more expensive life becomes. It sounds counterintuitive, but this is the harsh reality for many Filipinos. Everyday expenses like healthcare, housing, transportation, and even food cost more for those who are struggling financially. And the worst part? These costs trap people in a cycle of poverty. According to studies, people living in poverty face what’s known as the "poverty penalty." The limited resources and options available to them lead to higher costs and fewer opportunities to escape their financial struggles. In today’s episode, we’re going to dive deep into why it costs more to be poor in the Philippines, from direct and systemic costs to hidden barriers and how we can start addressing these issues—both as a society and individually. What You'll Learn: The concept of the "Poverty Penalty" Systemic inequalities that trap people in poverty Hidden costs of being poor Debunking the myth of poor financial choices Solutions at both systemic and individual levels Join our Patreon Community today: https://whop.com/hub/peraandpurpose/

So my wife and I just bought our first (and only) car, and let me tell you, it wasn’t easy navigating all the choices. From figuring out what we needed to what we could afford, we learned a lot along the way. And by the end of this episode, I’ll share a smart strategy we discovered that can help you manage your interest payments. So, whether you’re in the market for a new car or just curious, stay tuned! What You'll Learn: - Gaining clarity on priorities and needs - Determining budget and affordability - Navigating the car shopping process - Running the numbers and final negotiations - Smart strategy for managing interest payments Join our learning community for the free car calculator template: https://whop.com/hub/peraandpurpose/

In this eye-opening Halloween episode, we explore real-life stories of individuals and families who experienced dramatic financial downfalls. These cautionary tales serve as powerful reminders of the importance of financial literacy and prudent money management. What You'll Learn: - The importance of risk management in wealth preservation - Why being a good steward of your resources matters - Understanding the language of money - The necessity of setting aside money for yourself, even as a provider - How to manage expectations in financial relationships - The critical need to fully understand a business before investing - Why continuous innovation is crucial in business - The dangers of lifestyle inflation - The importance of diversifying your financial knowledge and not relying solely on others Join our learning community here Download TapTap Send today: 🤖Google Play Store: https://bit.ly/3KCAmyq 🍎Apple App Store: https://apple.co/3qsTQii

Are you working hard but still not seeing the wealth you hoped for? It might not be about your effort or desire but about not having a solid set of financial principles guiding you. In today’s episode, we’ll uncover the key wealth principles that can help you build a strong financial foundation. We’ll differentiate between values and principles, why principles matter, and how to craft and apply your own set of principles to achieve lasting financial success. 🧠What You’ll Learn: 1. Understanding Principles vs. Values 2. Importance of Principles 3. Common Wealth Principles 4. Creating Your Own Principles 5. Overcoming Challenges

Have you ever felt uncertain or disconnected when making financial choices, wondering if your decisions truly align with what matters most to you? This alignment is crucial because when your values and financial decisions are out of sync, it often leads to stress, dissatisfaction, and even financial instability. Research shows that when people align their financial actions with their personal values, they experience greater satisfaction and stability. Financial decisions become more than just numbers—they start reflecting your true self. This is why today, we’ll explore how to uncover your personal values and use them to guide your financial decisions effectively. By the end of this episode, you’ll have a clear roadmap for aligning your financial actions with your deepest values, leading to better financial health and greater personal satisfaction. What You'll Learn: The Importance of Understanding Personal Values Misalignment Between Personal Values and Financial Decisions Exercises to Identify Personal Values Resources mentioned: - ⁠Shalom Schwartz's Theory of 10 Universal Values⁠ - VIA Institute On Character ⁠Survey⁠

Imagine waking up one day to find out that you’ve lost 700,000 pesos to a scam. It’s a nightmare that has become a harsh reality for many. Task scams, recruitment scams, investment scams, loan scams – they’re all designed to exploit our trust and financial vulnerability. The rise in financial scams in the Philippines is alarming, with many falling victim due to lack of awareness. Understanding how these scams operate is crucial to safeguarding our hard-earned money. Today, we will explore various types of scams, from task scams to investment frauds, and equip you with the knowledge to protect yourself. This episode is a recording of my recent interview with Ms. Salve and Ms. Valle on Teleradyo Panalong Diskarte, where we delved deep into these issues. Knowing these tactics not only saves your money but also your peace of mind. What You'll Learn: - How to avoid loan, task, investment and other scams targeting OF's - What to do when you receive unsolicited calls -- Ask questions in our community Get more free resources here

Have you ever wondered why some people seem to accumulate wealth faster than others, despite having similar incomes? The key to financial success isn’t just about earning more money—it’s about how much you save and invest. Many people chase higher-paying jobs or promotions, thinking this will lead to wealth. But studies show that savings rate is a more crucial factor in building wealth than income alone. According to research, individuals who focus on saving a significant portion of their income can accumulate wealth faster, regardless of their earnings level. Understanding the advantage of having a higher savings rate can transform your financial journey. It highlights the importance of managing your expenses and making conscious choices about your spending habits. So, in today’s episode, we’ll uncover why saving is so powerful, explore common misconceptions, and discuss practical steps to boost your savings rate. What You'll Learn: - The secret to financial success is not just earning more but saving more. - High savings rates lead to faster wealth accumulation. - Managing expenses and prioritizing savings are crucial. - Automate savings, track expenses, and set clear financial goals. - Living below your means and investing wisely accelerates financial growth. Resource mentioned: - Networthify: https://networthify.com/calculator/earlyretirement --- Ask a question in our community here Schedule a free discovery call here

Time is the most valuable resource we have, yet many of us overlook its importance in our pursuit of financial freedom. We often think that financial abundance will give us the life we desire, but there's a foundational element we're missing. Inspired by Dan Sullivan's book Who Not How, I learned that time freedom is the foundation of true financial freedom. Without control over your time, financial freedom remains an elusive goal. In this episode, I'll share why time freedom should come first before financial freedom and how you can gain control over your time. I’ll also be sharing some words of caution for those who pursue this path. -- 👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here. Own the World Free Webinar: https://lu.ma/qx48s1k1 Dan Sullivan's Who Not How

Have you ever wondered how asking the right questions can change your life?The quality of the questions we ask ourselves often determines the quality of the answers we receive.Asking the right questions has been a game-changer for many successful individuals, helping them navigate their journeys with clarity and purpose.In this episode, I'll share some of the essential questions I ask myself regularly, and how they have shaped my path, including my recent experience preparing for an internati...

Discover how your past failures, especially in the realm of investments, can be transformed into valuable lessons and guiding lights for others.Kuya Jay shares his own experiences, including the lessons learned from his first condo investment, and provides practical insights on how to turn your mistakes into meaningful messages. Join us for an inspiring and educational journey that will help you embrace your failures and use them to make a positive impact.What You Will Learn:✅Why your pa...

Picture this: you're eyeing the latest iPhone, shiny and alluring, priced at AED 5,500. It's tempting, right? But hold on a second. Twenty years down the line, that sleek gadget will be nothing more than a relic, while if you were to invest that same amount in a low-cost, globally diverse index fund, it could potentially grow to over AED 21,000!Life is a series of choices, each one coming with its own set of trade-offs, known as opportunity costs. And understanding this principle is not just ...

Managing money can feel like navigating a maze without a map.This confusion often leads to stress and poor financial decisions, as people grasp at any advice or product they come across. They might save money aimlessly or buy insurance they don't fully understand, influenced by ads or friends' advice. This approach lacks strategy and clarity, leading to missed opportunities and a future filled with financial uncertainty. By being intentional and informed, you can make decisions that align wit...

Are you tired of budgeting methods that leave you more frustrated than financially savvy?You're not alone.Many find traditional budgeting a puzzle that's hard to solve, with strict rules that don't fit real life.Today, we're breaking down why these methods fail and how they're actually holding you back.We'll introduce a new perspective on budgeting, With simple, actionable steps, we'll guide you on how to create a budget that's not only realistic and flexible but also a powerful tool for achi...

In today's episode, we focus on a crucial but often overlooked aspect of financial health - breaking detrimental money habits. As we venture into this year, it's time to shed those financial behaviors that hold us back from achieving our full potential. We'll dive deep into identifying these habits, understanding their impact, and exploring effective strategies to break free from them.Join me as we embark on this transformative journey to financial freedom and empowerment.&nbs...

In your quest for financial freedom, you may find yourself trapped in a cycle of endless desires. This cycle often starts small, perhaps with a desire for the latest smartphone or a luxury car. But soon, these desires can inflate your lifestyle, leading to a situation where you're living paycheck to paycheck, despite a good income.---👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.

2023 has been my most productive year yet.But it hasn't all been a bed of roses.It’s a year of highs, lows, rants, realizations and invaluable lessons.From Dubai Eye features to the tough decision of shutting down a business, this episode peels back the layers of life and personal finance.I'll share insights on time management, the true essence of wealth, and finding happiness in unexpected places.Reflecting on the year, I unveil the theme for the next chapter: "Bolder."Get ready for a not-so...

You're really keen on getting into investments, aren't you?I sense a strong interest and enthusiasm in you about this vital topic.Here's What You're Going to Discover- What investing is- The four primary types: cash, fixed-income, equity, and alternative investments. Each type comes with its own set of risks and potential rewards.- How economic movements can impact your investments. It's important to be clear about your investment goals, how much risk you're comfortable with, and your in...

In this special episode, we dive into a topic close to our hearts, one that was sparked by a request from a valued member of our community.This isn't just about the mechanics of money management; it's an exploration of the foundational wisdom that underpins lasting financial success.Why?Because the right foundation is everything.Just as a house built on sand is vulnerable, a financial roadmap without a solid base of wisdom is prone to collapse under pressure.What You’ll Learn:The lessons from...

Ever wondered kung paano ka kikita ng bonggang-bongga, i-level up ang iyong budgeting skills, at wiser sa iyong investments gamit ang AI.I’m talking about Artificial Intelligence, or AI, at paano ito magiging game-changer sa iyong financial life!"AI? 'Di ba pang techie or big companies lang 'yan?"Saka parang ang complicated na topic, hahaluan mo pa ng personal finance!Nope, mali kayo d'yan!This episode will break that stereotype.Kahit saan ka man sa mundo, especially sa mga kababayan natin di...

Akala natin, pag sinabing luxury, kailangan laging malaki ang gastos.Branded na damit, magarang kotse, laging kumakain sa labas.Glamorous sa tingin pero in reality, nakaka-stress 'pag nakikita mo ang bank statement mo, 'di ba?Marami akong naririnig na kwento from OFWs dito sa UAE na nahuhulog sa trap na 'to.Ang ending?Utang here, utang there, utang everywhere.Pero guess what?May mas better na way.Oo, tama 'yung narinig mo: pwedeng mag-luxury na hindi kailangang magastos.And I call it “Frugal ...

In my early days of learning Personal Finance, I have always relied on others to grow my money.This is why I fell for scams, bought expensive but inadequate insurance, locked myself into a 15-year savings plan with risk of losing my money if I stop my contributions, discovered my advisor's dishonesty, and purchased a property without stable employment.Unfortunately, just like me in 2015, marami pa rin akong nakakausap who are not fully in control of their finances.They rely on their relatives...

It’s back to school season!Marami sa atin ang natuto about math, science, history pero when it comes to Personal Finance?Wala!No one taught us how to budget, save, or invest.Instead, nalaman na lang natin itong mga bagay na to the moment we started earning money for ourselves.At ang lagi kong naririnig sa mga nakakausap ko eh, sana nalaman ko to nung bata pa lang ako.Ako rin, yan din ang sinabi ko.So today, we’ll talk about the things I Wish School Taught Me About Money🧠What You'll Learn:&nbs...

Today, we're diving deep into a topic that's dear to my heart—Investing.Sa panahon ngayon, nakakatempt mag-invest sa dami ng mga nagsusulputang investments, strategies and ways to get rich faster.Pero do you really know what you're getting into?I've been there—nag-invest without proper understanding, guided only by the excitement and dreams of quick riches.Ang resulta? Napakalaking financial setback.Sayang ang oras, pagod at pera, diba?I wish someone had shared with me the essential thi...

We've all been there; even the brightest minds can sometimes make financial choices na talagang mapapakamot ka na lang ng ulo.But don't be too hard on yourself.It's a common, human error.In this episode, we'll uncover the triggers and hidden biases that explain why smart people sometimes make stupid investment decisions.🧠 What You’ll Learn:Introduction to Cognitive BiasesBiases Affecting Self-Perception and Decision MakingBiases Impacting Risk Perception and Response to Loss/GainBiases Influe...

Money is a tool that can be used for God’s purposes.This episode is not just for those struggling with money issues but for anyone looking to refine their relationship with wealth and to discover a more fulfilling, God-centered approach to personal finance.Join me in exploring how our financial choices can serve not just ourselves, but also our community, and ultimately, God's kingdom.It's not about the money itself - it's about finding God's purpose for it in your life.This episode could ver...

Have you ever heard the saying, 'You only need to get rich once'?It's a simple but powerful idea.Once you've saved a good amount of money, the most important thing is to keep it safe.Of course, it's good to keep looking for ways to make your money grow.Whether you're investing, handling a business, or even just saving your money, there's always a degree of risk involved.But let's be clear about one thing: no risk that can wipe you out is ever worth taking.At yan ang pag-uusapan natin sa episo...

In this episode, we're diving deep into the world of financial 'rules of thumb.' These are simple guidelines that can serve as your compass in navigating your journey towards financial independence. Whether you're grappling with how much to save from your income, how to manage your debt, or wondering about the right insurance coverage, we've got you covered! These insights will be straightforward, practical, and easy to understand, no matter where in the world you're working or...

When it comes to money, what does 'enough' mean to you?It's a question that can prompt a variety of answers.For some, it might mean being able to afford all the needs and wants.For others, it might mean feeling secure about the future.But the truth is, understanding 'enough' is crucial to achieving financial contentment.So how much is ever enough Kuya Jay??Yan ang pag-uusapan natin today!🧠What You’ll Learn:The Contrasting Views on 'Enough'Understanding Why We Often Feel We Don't Have EnoughTh...

Does the idea of creating a business, that serves people, makes their lives better, and earns you good money, excite you?Well, if that sounds like a “Perfect Business”, then don’t miss this episode!Our guest is Mr. Dodong Cacanando, the owner of Moriah Farms Inc in the Philippines.He is a businessman, farmer, author, and inspirational speaker, who left his executive role at Hewlett-Packard Philippines in 1998 to establish Moriah Farms, where he cultivates livestock and vegetables.Beyond his f...

Ever wondered what it takes to truly build wealth?Tune in to our latest podcast episode where we dive into the wisdom of Ramit Sethi's eye-opening Netflix documentary, 'How to Get Rich'. Ramit is the author of the New Yor Times Best Selling Book, ‘I Will Teach You To Be Rich’ and has been in empowering individuals to be in charge of their finances for over 20 years now!We'll explore essential financial lessons, from facing your money woes head-on and understanding the real cost advisory fees,...