Topic That Matters

Dumb Things
Smart People
Do with their Money

#1 - Investments they don't understand
e.g.
- gold
- reverse mortgage
- crypto

#2 - Listening to the wrong people about money.

#3 - Getting too attached with money. Respect money but don't make your life all about money

#4 - Taking in too much debt.

#5 - Sometimes it is wiser to rent than buy. Use your money somewhere else.

#6 - You fail to protect your identity. Understand identity theft. Don't post everything online.

#7 - You take on too much risk.

#8 - You indulge too much. The "i deserve this mindset".

#9 - Relying on your kids too much for your future.

#10 - You did not plan how to take care of your aging parents.

#11 - You do not have insurance. Life Insurance, Health Insurance. General Insurance. Fire Insurance.

#12 - You do not have a Will and Testament.

#13 - You think you are smarter than the market. You think you can time the market.
Nobody is smarter than the market. Nobody.

If you want to discuss about your financial plans and goals.

Lets sit down for a discovery meeting.

👉 Dm me now

💖✨

Rule of 25 in Retirement

You need

Annual Income x 25

It means when you stop working

You need to be at least able to afford to live for another 25 years without worrying for money

Are you ready to retire?

If not yet PM me so we can set it up for you

👉 https://www.forbes.com/advisor/retirement/25x-rule-retirement/

Bless na dali! 😅✌️🎄🎉🎁

Ano ang iyong simpleng panagrap?

Hindi sapat na nagsi-save lang tayo. Aabutin tayo ng siyam-siyam, wala pa tayong mararating.

What to do?

1. Increase your income. Get side hustles or master your craft to earn more.

2. Save to invest. Don’t save to save. Grow your money by putting it in an investment vehicles with compounding interest.

3. Protect your income. You wouldn’t want na ‘yung maliit na ipon mo, mapupunta pa sa ospital.

Isa akong financial consultant. Maaari kitang tulungan para makamit ang iyong mga minimithi.

👉 Usap tayo?

*Ano ang Mga Pinagsisisihan ng mga Retirado?*

1. Hindi nila naintindihan gaano kalala ang epekto ng *inflation*

Nagipon sila iniisip na ang isang meal nila ay 150 pesos kasya na

Yun pala pag retiro nila, 150 pesos iced tea lang

2. Di sila nag ipon para sa mga *kailangang medical*, check up, gamot, sa edad na 65, buwan buwan ito at malaking halaga

3. Hindi nila naplano ang *mahabang buhay*, nag retiro sila ng 65yo, aabot sila ng 90yo.

25 years na gastusin, di nila naplano ganito na magiging mahaba ang buhay nila

4. Hindi nila naplano mga *emergencies*, nasira kotse ng anak nila, kailangan parepair ang bahay dahil sa baha, at iba pa

5. Wala silang insurance, *health, medical at life* para marefill ang mga perang mawawala pag magkasakit at pambayad sa ospital

Y
O
L
O

You
Only
Live
Once

Y
O
R
O

You
Only
Retire
Once

Ready na ba ang lahat?! bilis.. 😅

💖💕

9 things to do in your 20s to become a millionaire by 30 🎯