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Financial Quotient, Cebu City (2026)

22/11/2025

Module 1: The Basics of Financial Literacy
𝐒𝐞𝐬𝐬𝐢𝐨𝐧 𝟓: 𝐓𝐡𝐞 𝐃𝐢𝐟𝐟𝐞𝐫𝐞𝐧𝐜𝐞 𝐁𝐞𝐭𝐰𝐞𝐞𝐧 𝐆𝐨𝐨𝐝 𝐃𝐞𝐛𝐭 𝐚𝐧𝐝 𝐁𝐚𝐝 𝐃𝐞𝐛𝐭

"Day 5: Let’s talk about debt. 🤯 𝐃𝐞𝐛𝐭 𝐢𝐬 𝐚 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐭𝐨𝐨𝐥. Like a hammer, it can either build a house or break a window, depending on how you use it. When it comes to your finances, you must learn to distinguish between debt that acts as a 𝐥𝐞𝐯𝐞𝐫 to increase your wealth and debt that acts as a 𝐛𝐮𝐫𝐝𝐞𝐧 that destroys it.

✅ 𝐆𝐨𝐨𝐝 𝐃𝐞𝐛𝐭 (𝐓𝐡𝐞 𝐁𝐮𝐢𝐥𝐝𝐞𝐫): Borrowing money to acquire assets that either 𝐚𝐩𝐩𝐫𝐞𝐜𝐢𝐚𝐭𝐞 (grow in value) or 𝐢𝐧𝐜𝐫𝐞𝐚𝐬𝐞 𝐲𝐨𝐮𝐫 𝐢𝐧𝐜𝐨𝐦𝐞. Think mortgages, education loans for high-value careers, or a small business loan.

❌ 𝐁𝐚𝐝 𝐃𝐞𝐛𝐭 (𝐓𝐡𝐞 𝐁𝐫𝐞𝐚𝐤𝐞𝐫): Borrowing money to buy things that rapidly lose value, using high-interest credit for consumption, or spending a large portion of your ₱ earnings on interest payments.

⛓️ 𝐀 𝐖𝐚𝐫𝐧𝐢𝐧𝐠 𝐨𝐧 𝐁𝐚𝐝 𝐃𝐞𝐛𝐭: 'The rich rules over the poor, and the borrower is the slave of the lender.' – Proverbs 22:7. 𝘈𝘷𝘰𝘪𝘥 𝘣𝘦𝘤𝘰𝘮𝘪𝘯𝘨 𝘦𝘯𝘴𝘭𝘢𝘷𝘦𝘥 𝘣𝘺 𝘤𝘰𝘯𝘴𝘶𝘮𝘱𝘵𝘪𝘰𝘯 𝘥𝘦𝘣𝘵!

The goal isn't to fear all debt; it's to be Bad Debt-Free and use Good Debt intelligently! What is one 'bad debt' you are actively working to eliminate? Share your goals below!

Tomorrow, get ready for some financial magic: Compounding!

21/11/2025

Module 1: The Basics of Financial Literacy
𝐒𝐞𝐬𝐬𝐢𝐨𝐧 𝟒: 𝐘𝐨𝐮𝐫 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐀𝐫𝐦𝐨𝐫: 𝐔𝐧𝐝𝐞𝐫𝐬𝐭𝐚𝐧𝐝𝐢𝐧𝐠 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞

Time to get protected! 🛡️ 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐢𝐬 𝐲𝐨𝐮𝐫 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐚𝐫𝐦𝐨𝐫. It's the essential tool for managing major risks that an Emergency Fund (Session 3's topic!) can't cover.

𝐋𝐢𝐟𝐞 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞: Protects your loved ones and replaces your income if the unthinkable happens. It secures their financial future.

𝐍𝐨𝐧-𝐋𝐢𝐟𝐞 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞: (Health, Car, Home) Protects your assets and income from high-cost, unexpected events like accidents, illness, or property damage. Don't see insurance as an expense—see it as a peace-of-mind investment that stops a single disaster from derailing your entire life.

What is one type of insurance you currently have? Share your experience!

Tomorrow, we tackle the all-important topic of understanding debt.

20/11/2025

Module 1: The Basics of Financial Literacy
𝐒𝐞𝐬𝐬𝐢𝐨𝐧 𝟑: 𝐁𝐮𝐢𝐥𝐝𝐢𝐧𝐠 𝐘𝐨𝐮𝐫 𝐄𝐦𝐞𝐫𝐠𝐞𝐧𝐜𝐲 𝐅𝐮𝐧𝐝

Today, we address a harsh reality for major of us: How do you build an Emergency Fund when your income barely covers your needs? It's possible, and it starts small with the 𝐌𝐢𝐜𝐫𝐨-𝐒𝐚𝐯𝐢𝐧𝐠𝐬 𝐌𝐞𝐭𝐡𝐨𝐝.🛡️

🐜 𝐖𝐢𝐬𝐝𝐨𝐦 𝐟𝐫𝐨𝐦 𝐒𝐜𝐫𝐢𝐩𝐭𝐮𝐫𝐞: 'Go to the ant... she prepares her food in summer and gathers her harvest in harvest.' – Proverbs 6:6-8. 𝘗𝘳𝘶𝘥𝘦𝘯𝘤𝘦 𝘮𝘦𝘢𝘯𝘴 𝘱𝘳𝘦𝘱𝘢𝘳𝘪𝘯𝘨 𝘧𝘰𝘳 𝘵𝘩𝘦 𝘶𝘯𝘦𝘹𝘱𝘦𝘤𝘵𝘦𝘥.

🔑 𝐏𝐫𝐚𝐜𝐭𝐢𝐜𝐚𝐥 𝐈𝐝𝐞𝐚: 𝐓𝐡𝐞 𝐂𝐡𝐚𝐧𝐠𝐞 𝐂𝐡𝐚𝐥𝐥𝐞𝐧𝐠𝐞 (𝑻𝒉𝒆 𝑭𝒐𝒖𝒏𝒅 𝑴𝒐𝒏𝒆𝒚' 𝑴𝒆𝒕𝒉𝒐𝒅)

𝟏. 𝐀𝐮𝐭𝐨𝐦𝐚𝐭𝐞 𝐑𝐨𝐮𝐧𝐝-𝐔𝐩𝐬: Use a micro-investing or bank app that automatically rounds up every debit purchase to the nearest peso and transfers the difference to your savings. You won't miss the centavos.

𝟐. 𝐓𝐛𝐞 ₱𝟓 𝐁𝐢𝐥𝐥 𝐑𝐮𝐥𝐞: Commit to saving every ₱5 bill you receive as change. Hide it immediately in an envelope. This treats the money as if it never existed for spending.

𝟑. 𝐒𝐞𝐥𝐥 𝟑 𝐔𝐧𝐮𝐬𝐞𝐝 𝐈𝐭𝐞𝐦𝐬: Find 3 items in your home (clothes, gadgets, books) you don't use and sell them online. Even ₱100 earned is a crucial seed for your fund!

Start small, stay consistent! Remember, the goal is to save 𝟑-𝟔 𝐦𝐨𝐧𝐭𝐡𝐬' 𝐰𝐨𝐫𝐭𝐡 𝐨𝐟 𝐥𝐢𝐯𝐢𝐧𝐠 𝐞𝐱𝐩𝐞𝐧𝐬𝐞𝐬, but the first ₱1,000 is the hardest and most important step.

Join us tomorrow as we talk about your broader financial armor: Insurance!

19/11/2025

Module 1: The Basics of Financial Literacy
Session 2: 𝐓𝐛𝐞 𝐏𝐨𝐰𝐞𝐫 𝐨𝐟 𝐁𝐮𝐝𝐠𝐞𝐭𝐢𝐧𝐠

Today's superpower: Budgeting!
📊 Many see it as restrictive, but a budget is actually your financial roadmap, guiding you towards your goals. It helps you understand where your money goes, prioritize spending, and identify areas for saving. Taking control starts here!

💡 You know you need a budget, but which one is right for you? 🤔 Here are 3 of the most popular budgeting systems! The best budget is the one you will actually stick to. Find your fit!

𝐓𝐡𝐞 𝟓𝟎/𝟑𝟎/𝟐𝟎 𝐑𝐮𝐥𝐞 - Simple percentages for every Peso.
𝐙𝐞𝐫𝐨-𝐁𝐚𝐬𝐞𝐝 𝐁𝐮𝐝𝐠𝐞𝐭𝐢𝐧𝐠 - Every Peso is assigned a job.
𝐓𝐡𝐞 𝐄𝐧𝐯𝐞𝐥𝐨𝐩𝐞 𝐒𝐲𝐬𝐭𝐞𝐦 - Cash placed in physical (or digital) envelopes for variable expenses.

🌿 𝐀 𝐏𝐫𝐢𝐧𝐜𝐢𝐩𝐥𝐞 𝐭𝐨 𝐋𝐢𝐯𝐞 𝐁𝐲: 'Where you invest your love, you invest your life.' – St. Augustine. 𝘌𝘯𝘴𝘶𝘳𝘦𝘴 𝘺𝘰𝘶𝘳 𝘣𝘶𝘥𝘨𝘦𝘵 𝘪𝘯𝘷𝘦𝘴𝘵 𝘪𝘯 𝘸𝘩𝘢𝘵 𝘵𝘳𝘶𝘭𝘺 𝘮𝘢𝘵𝘵𝘦𝘳𝘴 𝘵𝘰 𝘺𝘰𝘶!

Which method are you using? Let us know!

Or if you want to make budgeting easier, try the simple spreadsheets I created, which you can use to apply the 50-30-20 method right away. Comment "𝐁𝐔𝐃𝐆𝐄𝐓𝐈𝐍𝐆 𝐈𝐒 𝐅𝐔𝐍" and I'll send you the link to the 50-30-20 Rule

Come back tomorrow for insights on how to build your emergency fund!

18/11/2025

Life is full of abundance!
And your smile is part of that abundance :)

18/11/2025

Module 1: The Basics of Financial Literacy

Session 1: Introduction to Financial Literacy

Welcome to your journey towards financial freedom! 🚀
This month, we're demystifying financial literacy, one post at a time. Today, let's start with the basics:

What is financial literacy? It's simply understanding how money works – how to earn it, manage it, and grow it. It's the superpower that puts you in control of your financial future!

Come back tomorrow as we dive into another crucial aspect of achieving financial freedom.

"The root of all good is not money, but the poor handling of money." - Pope Emeritus Benedict XVI

17/11/2025

⏰ Final Countdown!
Here’s the biggest financial trap: believing your income is capped by the hours you work. That's the Time-for-Money Trap. The wealthy understand that true freedom comes when your money works harder than you do. We're talking about Passive Income—money earned while you're sleeping, traveling, or focusing on what matters most. If you're ready to break free from the 9-to-5 financial ceiling and start building streams of income that don't depend on your daily effort, you need this series. Our 4-Week Financial Literacy Series starts TOMORROW—November 18th!

Set a reminder now! Your first lesson on the basics of financial control is coming. Are you ready for your perspective to shift? Let us know below!

16/11/2025

"🤯 Controversial, but true?
For years, we were told to 'save, save, save' in a bank. However, here's the perspective shift: With inflation eroding the value of your cash, your money sitting idle is actually losing purchasing power every single day. The low interest your bank pays you doesn't even keep up. If you feel like you're doing all the right things but still falling behind, it's time to learn the real rules of money.

Our comprehensive 4-Week Financial Literacy Series launches in just 2 days (November 18th)! We’ll show you exactly how to get your money working for you instead of against you. Don't be a victim of inflation—be the master of your money.

Tag a friend who needs this wake-up call!

15/11/2025

"🛑 STOP SCROLLING! Here's a thought-provoker:
Do you really control your money, or is it just a visitor passing through your bank account? Most people believe they manage their finances, but often, their money has other plans. If you've ever wondered why your savings aren't growing faster, or why there's always 'too much month at the end of the money' – then you need to hear this. The truth about financial control is about to be revealed.

We're launching a game-changing Financial Literacy Series starting November 18th! Get ready to shift your perspective and take back command of your financial future.

Hit 'Follow' and turn on notifications so you don't miss the insights that will change everything.

13/11/2025

🔥 Fired But Unstoppable: 3 Lessons from Sam Altmans's Comeback Story

At 38, Sam Altman, CEO of OpenAI — the company behind ChatGPT — was fired by his own board.
No warning. No equity. No control.
The board said they’d “lost confidence” in him.

The whole world watched as he lost everything overnight.
But Sam didn’t walk away — because failure wasn’t new to him.

At 19, he dropped out of Stanford to build Loopt, a location-sharing app.
He worked on it for years, joined Y Combinator, partnered with major US telcos — but it failed.

He sold it for little and later said, “I failed pretty hard.”

That failure became his foundation.
He joined Y Combinator, helped launch companies like Airbnb, Stripe, and Reddit,
In 2015, co-founded OpenAI — a bold idea to build AI that benefits humanity.

For years, OpenAI worked quietly.
Then in 2022, ChatGPT launched — and everything changed.
100 million users in two months. The fastest-growing app in history.

And yet, a year later, Sam was fired again.
But this time, something extraordinary happened —
700 of OpenAI’s 770 employees signed a letter saying they’d quit if he wasn’t brought back.

Five days later, he returned — with a stronger position and a new board.

Today, ChatGPT serves 800 million people weekly,
and OpenAI generates $10 billion in annual revenue.
The man who once failed at 19 and got fired at 38 turned both moments into power moves.

💡 3 Lessons from Sam Altman’s Comeback:

1. Failure is your tuition fee.
Every mistake teaches lessons no classroom ever could.

2. True leadership builds loyalty, not fear.
People will stand by you when you’ve earned their trust.

3. Falling isn’t failure — refusing to rise is.
The greatest comebacks are born from the hardest hits.

So if you’ve ever been rejected, laid off, or told you’re not good enough —
remember this: Sam got fired and came back leading the future.
Your setback might be the setup for your biggest success.

🇵🇭 Think big. Fail fast. Rise faster.

28/10/2025

The more you analyze the more your goals becomes paralyzed.

28/10/2025

Watch till the end!

Financial Quotient

22/11/2025

21/11/2025

20/11/2025

19/11/2025

18/11/2025

18/11/2025

17/11/2025

16/11/2025

15/11/2025

13/11/2025

28/10/2025

28/10/2025

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