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Alam mo yung feeling na tumatakbo ang panahon, kumikita ka naman… pero parang wala namang nangyayari financially?

Kung hanggang ngayon hindi ka pa rin IMG Member, hindi ka pa insured, wala ka pang healthcare, wala ka pang investment… may chance na hindi mo pa lang talaga naiintindihan kung bakit napaka-importante neto sa totoong buhay.

Madami kasi sa atin ang lumaki sa mindset na “basta may trabaho, okay na” o kaya “basta may ipon sa banko, safe na”… pero ngayon, iba na ang laban.
Pag nagkasakit ka ba, may sasagot?
Pag na-hospital ba, may pambayad?
Pag nag-retire ka ba, may passive income?
At pag dumating yung future… sapat ba ang ipon mo?

Reality check:
Most Filipinos do not fail because they are lazy. Struggle happens because we are unprepared.
Unprepared sa medical bills.
Unprepared sa emergencies.
Unprepared sa retirement.
Unprepared sa financial responsibilities ng pamilya.

At hindi kasalanan yan—kasi wala naman nagturo satin ng financial education nung bata tayo.
Hindi tinuro sa school paano mag-invest.
Hindi tinuro paano gumamit ng insurance.
Hindi tinuro na may long-term healthcare pala.
Hindi tinuro paano mag-build ng retirement fund.
Hindi tinuro paano mag-diversify ng assets.
Hindi tinuro paano umiwas sa debt trap.
Hindi tinuro na may financial system na mas better kaysa banko.

Dito papasok yung value ng IMG (International Marketing Group).
Ito ay financial education movement.
At dito mo matututunan paano ba talaga gumagana ang pera in real life.

Sa IMG, matututunan mo:
✔ Paano nagwo-work ang investment at bakit kailangan mo mag-invest
✔ Paano mag-build ng emergency fund
✔ Paano magset ng financial goals
✔ Paano gamitin ang MOST18 para sa income protection
✔ Paano gamitin ang Kaiser 3-in-1 para sa healthcare + insurance + investment
✔ Paano iwasan ang medical bankruptcy
✔ Paano mag-prepare for retirement
✔ Paano mag-build ng passive income
✔ Paano mag-invest sa mutual funds
✔ Paano mag-start ng financial advocacy business
✔ Paano tulungan ang pamilya mong maging financially educated

Ang daming opportunities — pero ang oras, hindi bumabalik.
Kaya kung hanggang ngayon hindi ka pa nakakapasok sa IMG, hindi ka pa nagka-Kaiser, hindi mo pa naiintindihan yung tinuturo nito… may nasasayang.

Sayang ang oras.
Sayang ang opportunities.
Sayang ang potential.
Sayang ang chance na hindi mo lang ma-secure sarili mo, kundi pati pamilya mo.

The good news?

Hindi pa huli.
Andito ako para i-guide ka—step by step, based sa sitwasyon mo, hindi generic, hindi pilitan, hindi hype.
I want you to learn, not just buy.
I want you to understand, not just join.
I want you to win, not just survive.
Kung dito ka palang nag-start – okay lang.
Everyone begins somewhere.
What matters is… you start now.

Kung handa ka na i-level up ang future mo — usap tayo.

Message mo lang ako.

📌 FB: Riza Custodio Española

Let’s build your financial future while there’s still time. 💙

Adulting check for 2026 ✔️

May work ka, may ipon ka… ba?
may health fund ka ba? Oo health fund.
Kasi hindi lahat ng ipon, safe kapag may medical emergency.

Kung ayaw mong maubos ang pinaghirapan mo,dapat pinaghahandaan mo din eto.

Message me at pag-usapan natin yan.

Kelan ka magstart magipon kung hindi ngayon?

"You will always have an excuse not to save or invest. No matter what your excuses is, one thing is for sure. You’re going to get old next year.”

“No matter what your excuse is, you will eventually retire and stop making active income.”

Tandaan mo, ngayon ang pinaka batang ikaw ang mag aalaga sa pag tanda mo.

If you want to know more, just send me a message :)

For 2026, don't just pray for a healthy body and mind.

Pray too for a healthy pocket. For when the body or mind gets sick, and you don't have healthcare savings, you will have to seek help from people with healthy pockets and use their extra money.

The New Year Doesn't Change your life,
your Decisions DO.

January is always the month with the highest gym enrollment. Why?
Because after countless cheat days during the holiday season, people feel the need to reset, rebuild habits, and get back on track with their body goals. They need a platform — the GYM 💪

When people feel they’re drifting away from their spiritual goals, they don’t ignore it. They take action. They seek guidance, discipline, and renewal. They need a platform — the CHURCH or a RELIGIOUS ORGANIZATION 🙏

Now, how about financial goals?
Did people overspend during the holidays? Most likely. And that’s okay. What matters is the decision to change and start again. Financial growth also needs a platform — IMG ✋

✨ New Year
💡 New Money Mindset
🌱 New Environment
💰 New Savings Portfolio
🚀 New Entrepreneurial Venture
🔥 New Self
🔄 New Chance
🌈 Brighter Future

Your transformation doesn’t happen by accident — it starts with the right community.

Learn more about our IMG community
Start your journey by attending a FREE class,
Book now or comment below.

Let this year be different.

Financial wellness isn’t just about having money — it’s about having choices.

Be in control of your present and your future.

Watch the full episode: https://www.youtube.com/watch?v=fmSgOxgZzmY

"𝐌𝐚𝐡𝐢𝐫𝐚𝐩 𝐦𝐚𝐠𝐛𝐚𝐜𝐤-𝐭𝐨-𝐳𝐞𝐫𝐨, 𝐤𝐚𝐲𝐚 𝐤𝐮𝐦𝐮𝐡𝐚 𝐧𝐚 𝐚𝐤𝐨 𝐧𝐠 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞."

Simple line lang, pero grabe ‘yung impact sa akin nung sinabi ng client ko ‘to.

Kasi totoo eh, lahat tayo pinaghihirapan ang meron tayo ngayon.
Yung ipon sa bangko, maliit man o malaki.
Yung business na inumpisahan mo from scratch.
Yung bahay na unti-unti mong pinapagawa.
Lahat ‘yan bunga ng effort, puyat, at sakripisyo.

Pero minsan, hindi natin alam kung kailan darating ‘yung mga unexpected moments tulad ng sakit, aksidente, o emergencies na kayang ubusin lahat ng naipon mo in just one snap.

Kaya nung sinabi niya, “Kumuha ako ng insurance para hindi ako mag-back to zero,”
ang ganda ng mindset, kasi hindi lang siya nag-iisip ng “paano yumaman” kundi “paano ko mapoprotektahan ‘yung naabot ko.”

𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐢𝐬𝐧’𝐭 𝐣𝐮𝐬𝐭 𝐚𝐛𝐨𝐮𝐭 𝐦𝐨𝐧𝐞𝐲 𝐨𝐫 𝐛𝐞𝐧𝐞𝐟𝐢𝐭𝐬, 𝐢𝐭’𝐬 𝐚𝐛𝐨𝐮𝐭 𝐩𝐞𝐚𝐜𝐞 𝐨𝐟 𝐦𝐢𝐧𝐝.
Yung tipong kahit anong mangyari, alam mong hindi mawawala lahat ng pinaghirapan mo.
Hindi mo kailangang magsimula ulit sa wala.

That’s the kind of mindset we all need — 𝐩𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐨𝐧 𝐦𝐢𝐧𝐝𝐬𝐞𝐭.
Kasi mahirap bumalik sa simula, lalo na kung ang dami mo nang pinagdaanan para makarating diyan. ❤️