Ask Kuya MJ

PH inflation rate eased to 6.4% in June 2026, down from 6.8% in May.

The latest inflation data shows a slower pace of price increases compared to the previous month. Inflation remains elevated, but the month-on-month decline will be closely watched by investors, businesses, and policymakers.

What are your expectations for inflation in the months ahead?

Humana kag panotaryo. Pagpainsure na

Inflation just jumped.
From 4.1% to 7.2% in just one month.

That means prices are rising faster again — from food to daily essentials.

Is this temporary… or a sign of more pressure ahead?

What’s your next move?

𝐘𝐨𝐮𝐫 𝐢𝐧𝐜𝐨𝐦𝐞 𝐠𝐫𝐨𝐰𝐬 𝐰𝐡𝐞𝐧 𝐲𝐨𝐮 𝐠𝐫𝐨𝐰.

If ikaw ang single breadwinner…
listen to this carefully:

𝒀𝒐𝒖𝒓 𝒃𝒊𝒈𝒈𝒆𝒔𝒕 𝒂𝒔𝒔𝒆𝒕 𝒊𝒔 𝒏𝒐𝒕 𝒚𝒐𝒖𝒓 𝒔𝒂𝒍𝒂𝒓𝒚.
𝑰𝒕’𝒔 𝒚𝒐𝒖𝒓 𝒂𝒃𝒊𝒍𝒊𝒕𝒚 𝒕𝒐 𝒆𝒂𝒓𝒏.

And that ability?

Pwede mong palakihin…
or pabayaan.

Real talk—

Income is not fixed.
Skills are what increase it.

The more you learn,
the more you earn potential.

That’s why 𝒔𝒆𝒍𝒇-𝒊𝒏𝒗𝒆𝒔𝒕𝒎𝒆𝒏𝒕 𝒊𝒔 𝒏𝒐𝒕 𝒐𝒑𝒕𝒊𝒐𝒏𝒂𝒍—
it’s part of your responsibility.

Especially if may umaasa sa’yo.

Because when your skills grow:
✔ Mas stable ang income mo
✔ Mas maraming opportunities
✔ Mas prepared ka sa changes

So instead of just working harder…
𝒔𝒕𝒂𝒓𝒕 𝒘𝒐𝒓𝒌𝒊𝒏𝒈 𝒐𝒏 𝒚𝒐𝒖𝒓𝒔𝒆𝒍𝒇.

Here’s how you can start:

1️⃣ 𝗖𝗵𝗼𝗼𝘀𝗲 𝗼𝗻𝗲 𝗵𝗶𝗴𝗵-𝘃𝗮𝗹𝘂𝗲 𝘀𝗸𝗶𝗹𝗹.
Communication, sales, digital skills, or anything aligned sa work mo.

2️⃣ 𝗟𝗲𝗮𝗿𝗻 𝗰𝗼𝗻𝘀𝗶𝘀𝘁𝗲𝗻𝘁𝗹𝘆 (𝗸𝗮𝗵𝗶𝘁 𝗺𝗮𝗹𝗶𝗶𝘁 𝗹𝗮𝗻𝗴).
30 minutes a day is enough if tuloy-tuloy.

3️⃣ 𝗔𝗽𝗽𝗹𝘆 𝘄𝗵𝗮𝘁 𝘆𝗼𝘂 𝗹𝗲𝗮𝗿𝗻.
Skills only grow when ginagamit—not just consumed.

Because at the end of the day…

𝒀𝒐𝒖 𝒄𝒂𝒏 𝒍𝒐𝒔𝒆 𝒂 𝒋𝒐𝒃.
𝑩𝒖𝒕 𝒚𝒐𝒖 𝒘𝒐𝒏’𝒕 𝒍𝒐𝒔𝒆 𝒚𝒐𝒖𝒓 𝒔𝒌𝒊𝒍𝒍𝒔.

And for a breadwinner…

That’s one of the strongest forms of security.

— Kuya MJ
𝓕𝓲𝓷𝓪𝓷𝓬𝓲𝓪𝓵 𝓬𝓵𝓪𝓻𝓲𝓽𝔂 𝓫𝓻𝓲𝓷𝓰𝓼 𝓹𝓮𝓪𝓬𝓮 𝓸𝓯 𝓶𝓲𝓷𝓭.

LOOK | April 2026 Inflation Report

The Philippines’ headline or overall inflation increased to 7.2 percent in April 2026 from 4.1 percent in March 2026. This brings the average inflation rate from January to April 2026 to 3.9 percent. In April 2025, the inflation rate was observed at 1.4 percent.

🔎 Read the full report:
https://psa.gov.ph/price-indices/cpi-ir/index

𝐌𝐚𝐤𝐮𝐥𝐢𝐭 𝐚𝐤𝐨 𝐛𝐞𝐜𝐚𝐮𝐬𝐞 𝐈’𝐦 𝐭𝐫𝐲𝐢𝐧𝐠 𝐭𝐨 𝐫𝐞𝐚𝐜𝐡 𝐲𝐨𝐮 𝐰𝐡𝐢𝐥𝐞 𝐲𝐨𝐮 𝐬𝐭𝐢𝐥𝐥 𝐡𝐚𝐯𝐞 𝐨𝐩𝐭𝐢𝐨𝐧𝐬.

People ask me why I'm so persistent na mag-present ng insurance?

Fair question.

And honestly… I understand why some people feel that way.

But here’s the truth from my side—

𝑰’𝒗𝒆 𝒔𝒆𝒆𝒏 𝒘𝒉𝒂𝒕 𝒉𝒂𝒑𝒑𝒆𝒏𝒔 𝒘𝒉𝒆𝒏 𝒑𝒆𝒐𝒑𝒍𝒆 𝒍𝒆𝒂𝒓𝒏 𝒕𝒐𝒐 𝒍𝒂𝒕𝒆.

I had a client before…
Responsible. Open-minded. Willing to learn.

When we finally talked about protection,
he understood everything.

The value.
The importance.
The reason why it matters.

But by the time he understood…

it was already too late.

Not because he didn’t want it—
but because 𝒏𝒐 𝒐𝒏𝒆 𝒔𝒉𝒐𝒘𝒆𝒅 𝒊𝒕 𝒕𝒐 𝒉𝒊𝒎 𝒆𝒂𝒓𝒍𝒊𝒆𝒓.

That’s the part that stayed with me.

Because sometimes, it’s not about people refusing.

It’s about people 𝒏𝒐𝒕 𝒃𝒆𝒊𝒏𝒈 𝒈𝒊𝒗𝒆𝒏 𝒕𝒉𝒆 𝒄𝒉𝒂𝒏𝒄𝒆 𝒕𝒐 𝒖𝒏𝒅𝒆𝒓𝒔𝒕𝒂𝒏𝒅 𝒆𝒂𝒓𝒍𝒚.

That’s why I show up.
That’s why I present.
Not to pressure—but to 𝐞𝐝𝐮𝐜𝐚𝐭𝐞.

Because financial advisors are not there to scare you.

We’re here to help you:
✔ Understand your options
✔ See your risks clearly
✔ Make better decisions while you still can

At the end of the day…

𝐘𝐨𝐮 𝐝𝐨𝐧’𝐭 𝐥𝐨𝐬𝐞 𝐚𝐧𝐲𝐭𝐡𝐢𝐧𝐠 𝐛𝐲 𝐥𝐞𝐚𝐫𝐧𝐢𝐧𝐠.
𝐁𝐮𝐭 𝐲𝐨𝐮 𝐦𝐢𝐠𝐡𝐭 𝐥𝐨𝐬𝐞 𝐨𝐩𝐭𝐢𝐨𝐧𝐬 𝐛𝐲 𝐝𝐞𝐥𝐚𝐲𝐢𝐧𝐠.

If you want to approach your finances better, start here:

1️⃣ 𝗕𝗲 𝗼𝗽𝗲𝗻 𝘁𝗼 𝗹𝗲𝗮𝗿𝗻𝗶𝗻𝗴—𝗲𝘃𝗲𝗻 𝗶𝗳 𝘆𝗼𝘂’𝗿𝗲 𝗻𝗼𝘁 𝗿𝗲𝗮𝗱𝘆 𝘆𝗲𝘁.
Clarity comes before action.

2️⃣ 𝗔𝘀𝗸 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻𝘀 𝗯𝗲𝗳𝗼𝗿𝗲 𝘀𝗮𝘆𝗶𝗻𝗴 𝗻𝗼.
Understanding removes fear.

3️⃣ 𝗠𝗮𝗸𝗲 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻𝘀 𝘄𝗵𝗶𝗹𝗲 𝘆𝗼𝘂 𝘀𝘁𝗶𝗹𝗹 𝗵𝗮𝘃𝗲 𝗼𝗽𝘁𝗶𝗼𝗻𝘀.
Timing matters more than most people think.

Because the goal is not to buy immediately.

𝐓𝐡𝐞 𝐠𝐨𝐚𝐥 𝐢𝐬 𝐭𝐨 𝐡𝐞𝐥𝐩 𝐲𝐨𝐮 𝐮𝐧𝐝𝐞𝐫𝐬𝐭𝐚𝐧𝐝 𝐞𝐚𝐫𝐥𝐲—𝐬𝐨 𝐲𝐨𝐮 𝐜𝐚𝐧 𝐝𝐞𝐜𝐢𝐝𝐞 𝐰𝐢𝐬𝐞𝐥𝐲.

And if someone is taking time to explain things to you…

Maybe hindi lang sila “makulit.”

Maybe they’re just trying to help you
before it 𝐛𝐞𝐜𝐨𝐦𝐞𝐬 𝐭𝐨𝐨 𝐥𝐚𝐭𝐞.

— Kuya MJ
𝓕𝓲𝓷𝓪𝓷𝓬𝓲𝓪𝓵 𝓬𝓵𝓪𝓻𝓲𝓽𝔂 𝓫𝓻𝓲𝓷𝓰𝓼 𝓹𝓮𝓪𝓬𝓮 𝓸𝓯 𝓶𝓲𝓷𝓭.