Pinoy Personal Finance

09/14/2025

I wish you to win financially

09/12/2025

In January 2025, I started this YouTube channel for one reason
👉 to educate my fellow Filipinos about saving, investing, personal finance, and retirement.

No expectations. No hype. No “get rich quick” promises.
Just simple financial education, because I truly believe that learning the basics gives you a huge advantage in the long run.

I’ve seen many Pinoys struggling with debt, and I wanted to make finance easier to understand. So I decided to break down complicated terms into bite-sized pieces, explained in the simplest way possible so even beginners can follow.

What I didn’t expect was how quickly this channel would grow.
Filipinos from all over the world started watching, learning, and sharing their stories. And every time I read your comments, I feel truly humbled and grateful. 💙

This month, I’ve reached another milestone I never imagined when I uploaded my very first video.

From the bottom of my heart thank you to all my subscribers. 🙏
This journey is just beginning. More videos, more lessons, and more stories are on the way.

Because at the end of the day, this channel isn’t about me, it’s about us.
Helping one Pinoy at a time, until more of us can live a better financial life.

09/10/2025

Gusto mo bang ma-achieve ang TRUE FINANCIAL FREEDOM?
Yung tipong… hindi ka na stress sa bills, may savings ka, may investments, at mas may time ka sa pamilya mo?

Maraming Pinoy ang gustong yumaman, pero kakaunti lang ang may system at step-by-step plan para makalaya sa financial stress.

Giumawa ako ng simple at actionable na guide kung paano mo maa-achieve ang financial freedom — kahit beginner ka pa lang sa savings at investing.

Sa video na ‘to, malalaman mo:
✅ Ano talaga ang meaning ng financial freedom
✅ Step-by-step plan para ma-achieve ito
✅ Mga maling akala na pumipigil sayo yumaman
✅ Paano magsimula kahit maliit lang ang pera mo

Panoorin dito 👉 7 Financial Milestones You Must Hit Before Retirement
https://youtu.be/NxNEFQxC5_0

Huwag kang matakot magsimula.
The earlier you start, the faster you achieve your goals

FREE RESOURCES & CREATOR GEARDownload my free budgeting template and see all the tools I personally use to create my YouTube videos here:👉 https://pinoypers...

09/01/2025

The true turning point between financial struggle and prosperity begins the moment you receive your money, marking the start of a new era of financial freedom and opportunity.

09/01/2025

Saving + Investing = Wealth

08/31/2025

🚨 COMING SOON! 🚨

In the making na po ang deep dive video ko about the true meaning of financial freedom, ipapaliwanag ko as simple as possible para mas madali nating ma-apply sa totoong buhay.

Kung gusto mong matutunan:
✅ Ano ba talaga ang ibig sabihin ng financial freedom
✅ Bakit hindi ito tungkol sa laki ng sweldo mo
✅ Paano ka makakagawa ng plan para makalaya sa utang at stress

📌 Abangan sa Pinoy Personal Finance YouTube channel!

08/28/2025

Bakit Nauubusan ng Pera ang Maraming Pinoy Pagdating ng Retirement?

Marami sa atin ang nangangarap ng komportableng retirement yung tipong wala nang iniisip na bills, may oras para sa pamilya, at may pang-travel kung trip mo. Pero sa totoo lang, karamihan sa mga Pinoy nauubusan ng pera pagdating ng retirement. 😟

Bakit nangyayari ‘to?
✅ Walang malinaw na plano kung saan kukunin ang pang-araw-araw na gastos
✅ Walang sistema para paghiwa-hiwalayin ang pera para sa iba’t ibang layunin
✅ Umaasa lang sa SSS, pension, o mga anak — na kadalasan, hindi rin sapat

Kung gusto mong hindi maubusan ng pera habang nagre-retire ka, kailangan mo ng strategy at sistema kung paano mo gagamitin at i-manage ang pera mo sa iba’t ibang yugto ng retirement.

Dito pumapasok ang “3-Bucket Strategy.” 🪣
Isang simpleng konsepto na ginagamit ng mga successful retirees para siguraduhin na:
🔹 May pera ka kahit bukas
🔹 May sapat ka para sa susunod na dekada
🔹 At hindi ka mawawalan kahit 30 years from now

Kung seryoso ka sa retirement planning, panoorin mo ‘to , mas malinaw kong ipinaliwanag dito kung paano gumagana ang 3-Bucket Strategy at paano mo siya pwedeng i-apply sa sarili mong plano:

📺 Watch the full video here → https://youtu.be/TbbA8QdOXl4?si=mUYUKhNfSc-vBmif

Join me on a journey to financial empowerment! 🇨🇦🇵🇭 Explore the world of personal finance through a Filipino perspective. From budgeting tips to investme...

08/27/2025

Kung pwede kang bumalik sa nakaraan at kausapin ang younger self mo…
Anong financial advice ang ibibigay mo?

08/27/2025

Kapag beginner ka sa investing, sobrang tempting mag-stock picking. Gusto mo kasi mahanap yung “next Tesla” or “next Jollibee” para mabilis yumaman. Pero habang nagiging experienced investor ka na, mapapansin mo na mas may sense mag-invest sa ETF kaysa sa pumili ng individual stocks.

Bakit?

✅ Diversification agad-agad
Sa isang ETF, parang automatic kang bibili ng maraming kumpanya in one go. Hindi mo na kailangan mag-isip kung aling stock ang aangat o babagsak — kasi lahat covered ka na.

✅ Less stress, less research
Imbes na magbabad sa financial reports at bantayan araw-araw ang presyo ng stocks, ETF na ang bahala mag-track ng buong market para sa’yo.

✅ Consistent long-term growth
Statistically, mahirap talunin ang market consistently. Kahit mga professional fund managers hirap d’yan. ETFs, especially yung broad market ETFs tulad ng S&P 500, historically nagde-deliver ng solid long-term returns.

✅ Mas mura, mas efficient
Karamihan ng ETFs may low management fees kumpara sa actively managed funds. Mas maraming naiipon na returns para sa’yo.

Sa madaling salita:

Kung beginner ka, stock picking feels exciting.
Pero kung experienced ka na, ETF investing just makes more sense.

Kung goal mo ay long-term wealth at hindi short-term hype, ETFs are your best friend. 📈

Invest smart, invest simple.

08/25/2025

Rich vs Wealthy: Magkaiba ba sila?

Maraming tao ang akala nila, pareho lang ang pagiging “rich” at pagiging “wealthy”… pero magkaiba pala.

Rich = May pera ngayon
Wealthy = May pera habang buhay

Being Rich
•Malaki ang kita, pero malaki rin ang gastos.
•May mamahaling kotse, gadgets, branded na gamit… pero konti lang ang ipon.
•Kapag nawala ang trabaho o business, pwedeng maubos agad ang pera.

Being Wealthy
•Hindi lang mataas ang income, may investments at assets na kumikita kahit natutulog ka.
•Marunong mag-budget at mas mababa ang gastos kaysa kinikita.
•Kahit mag-retire ka, tuloy-tuloy pa rin ang daloy ng pera.

Bottomline:
✔️ Rich ka kapag mataas ang income mo.
✔️ Wealthy ka kapag may freedom ka mamuhay kahit hindi ka nagtatrabaho araw-araw.

Kung goal mo ay financial freedom, huwag lang mag-focus sa mataas na kita. Build assets. Invest wisely. Spend smart.

08/25/2025

Kung titingnan mo ang chart na ‘to (S&P 500 Returns 1950–2024), makikita mo na puno ng ups and downs ang stock market. May mga taon na sobrang taas ng kita, tulad ng 1954 (+52.56%) at 2013 (+32.15%) — pero may mga taon din na bagsak, gaya ng 2008 (-36.55%) at 2022 (-18.04%).

Pero eto ang sikreto ng mga successful investors:
👉 Mas maraming green years kaysa red years.
Ibig sabihin, kung long-term ka mag-iinvest, mas malaki ang chance na panalo ka.

Example:
Kung nag-invest ka buwan-buwan sa S&P 500 simula early 2000s, kahit na bumagsak nang malala noong 2008, bumawi agad ang market sa 2009, 2010, at mga sumunod na taon.

Lesson:
✅ Time in the market beats timing the market — mas mahalaga ang tagal ng investment mo kaysa hulaan kung kailan tataas o bababa ang market.
✅ Don’t panic sell — kahit p**a ang market ngayon, historically, lagi itong bumabangon.
✅ Diversify through index funds — hindi ka nakadepende sa isang company lang; nakasakay ka sa 500 pinakamalalaking U.S. companies.

Kung retirement, education fund, o financial freedom ang goal mo, puwedeng maging solid option ang S&P 500 index fund.

Remember:

“Invest regularly. Stay invested. Let time do the work.”