Avsnitt
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Picture this: you're eyeing the latest iPhone, shiny and alluring, priced at AED 5,500. It's tempting, right? But hold on a second. Twenty years down the line, that sleek gadget will be nothing more than a relic, while if you were to invest that same amount in a low-cost, globally diverse index fund, it could potentially grow to over AED 21,000!
Life is a series of choices, each one coming with its own set of trade-offs, known as opportunity costs. And understanding this principle is not just crucial for investing, but for every aspect of your financial journey.
In today's episode, we're going to unpack why opportunity costs matter and how you can use them to shape your financial future.
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- Buying Decision Guide
- Take the Global Investing Survey---
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here. -
Managing money can feel like navigating a maze without a map.
This confusion often leads to stress and poor financial decisions, as people grasp at any advice or product they come across. They might save money aimlessly or buy insurance they don't fully understand, influenced by ads or friends' advice. This approach lacks strategy and clarity, leading to missed opportunities and a future filled with financial uncertainty. By being intentional and informed, you can make decisions that align with your long-term financial well-being.
A strategic approach to managing your finances is the key to unlocking a future of financial security and peace of mind.
I'm here to tell you that there's a better way to handle your financial priorities.
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Exciting news! For the very first time, I'm revealing the tool that's been key to my clients' financial success. Imagine crafting your own foolproof financial plan, effortlessly and independently. That's the power of the Financial Road Map tool I've created.Why join the Financial Roadmap Beta Program?
Early Use: Try my Financial Road Map tool and the curriculum first. Get custom Q&As and help shape the tool.Your Input Matters: I will be tweaking the tool and course videos based on your feedback.Connect with Others: Meet like-minded people who are also part of the beta program.Special Deal: In exchange for your help, you’ll get it at 85% off ($235 savings)!Limited Access: Hurry! Only 25 spots are open.This is your chance to be at the forefront of financial self-sufficiency. Join the beta program now and start building your future, your way.
👉🏽Sign up here!
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👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here. -
Saknas det avsnitt?
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Are you tired of budgeting methods that leave you more frustrated than financially savvy?
You're not alone.
Many find traditional budgeting a puzzle that's hard to solve, with strict rules that don't fit real life.
Today, we're breaking down why these methods fail and how they're actually holding you back.
We'll introduce a new perspective on budgeting, With simple, actionable steps, we'll guide you on how to create a budget that's not only realistic and flexible but also a powerful tool for achieving your financial dreams.
Get ready to change how you view and manage your money, making your budget work for you, not against you. Let's dive into creating a budget that's a roadmap to your dreams, starting now.
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Download the Intentional Spending Plan for FREE!---
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here. -
In today's episode, we focus on a crucial but often overlooked aspect of financial health - breaking detrimental money habits.
As we venture into this year, it's time to shed those financial behaviors that hold us back from achieving our full potential.
We'll dive deep into identifying these habits, understanding their impact, and exploring effective strategies to break free from them.
Join me as we embark on this transformative journey to financial freedom and empowerment.---
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here. -
In your quest for financial freedom, you may find yourself trapped in a cycle of endless desires. This cycle often starts small, perhaps with a desire for the latest smartphone or a luxury car. But soon, these desires can inflate your lifestyle, leading to a situation where you're living paycheck to paycheck, despite a good income.
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👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here. -
2023 has been my most productive year yet.
But it hasn't all been a bed of roses.
It’s a year of highs, lows, rants, realizations and invaluable lessons.
From Dubai Eye features to the tough decision of shutting down a business, this episode peels back the layers of life and personal finance.
I'll share insights on time management, the true essence of wealth, and finding happiness in unexpected places.
Reflecting on the year, I unveil the theme for the next chapter: "Bolder."
Get ready for a not-so-usual episode that's as real as it gets.
Watch it on YT: https://youtu.be/gk-iqiZ1WCg---
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here. -
You're really keen on getting into investments, aren't you?
I sense a strong interest and enthusiasm in you about this vital topic.
Here's What You're Going to Discover
- What investing is- The four primary types: cash, fixed-income, equity, and alternative investments. Each type comes with its own set of risks and potential rewards.
- How economic movements can impact your investments.
It's important to be clear about your investment goals, how much risk you're comfortable with, and your investment timeline before you start.
Ready to get into it?
Let's cut to the chase and make it straightforward.---
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here. -
In this special episode, we dive into a topic close to our hearts, one that was sparked by a request from a valued member of our community.
This isn't just about the mechanics of money management; it's an exploration of the foundational wisdom that underpins lasting financial success.
Why?
Because the right foundation is everything.
Just as a house built on sand is vulnerable, a financial roadmap without a solid base of wisdom is prone to collapse under pressure.
What You’ll Learn:
The lessons from the books I’ve read when I had zero knowledge about moneyHow to think, perceive money, and align your financial actions with the deeper values of life.Timeless principles of wealth accumulation to the mindset shifts necessary for prosperityOther books that have an indirect influence on wealth building---
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here. -
Ever wondered kung paano ka kikita ng bonggang-bongga, i-level up ang iyong budgeting skills, at wiser sa iyong investments gamit ang AI.
I’m talking about Artificial Intelligence, or AI, at paano ito magiging game-changer sa iyong financial life!
"AI? 'Di ba pang techie or big companies lang 'yan?"
Saka parang ang complicated na topic, hahaluan mo pa ng personal finance!
Nope, mali kayo d'yan!
This episode will break that stereotype.
Kahit saan ka man sa mundo, especially sa mga kababayan natin dito sa UAE, this is something you can't afford to miss.
I-share ko ang mga real-life tips kung paano ko nagamit ang AI this year sa mga side hustles ko, paano kami nakakapag track ng expenses in less than 3 minutes at paano mag analyze ng mga investments.
Financial problems AI can solveHow I used AI to increase income, track expenses faster, invest wiser and other use casesBenefits of using AI
What You'll Learn:Resources Mentioned:
- Get the AI Prompts here
- Crunch App (UAE Only) download here
- Wally GPT download here
- ChatGPT
- Perplexity AI
- Powerdrill AI---
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here. -
Akala natin, pag sinabing luxury, kailangan laging malaki ang gastos.
Branded na damit, magarang kotse, laging kumakain sa labas.
Glamorous sa tingin pero in reality, nakaka-stress 'pag nakikita mo ang bank statement mo, 'di ba?
Marami akong naririnig na kwento from OFWs dito sa UAE na nahuhulog sa trap na 'to.
Ang ending?
Utang here, utang there, utang everywhere.
Pero guess what?
May mas better na way.
Oo, tama 'yung narinig mo: pwedeng mag-luxury na hindi kailangang magastos.
And I call it “Frugal Luxury”.
🧠 What You’ll Learn:
Why Frugal Luxury is the secret to enjoying the best of life without breaking the bank.How to use your personal values to guide your spending for enduring happiness.Why choosing quality over quantity is a game-changer for your wallet and your life.How to steer clear of debt while still indulging in your personal luxuries.Why the ultimate luxury is financial freedom, and how it unlocks a life truly worth living.---
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here. -
In my early days of learning Personal Finance, I have always relied on others to grow my money.
This is why I fell for scams, bought expensive but inadequate insurance, locked myself into a 15-year savings plan with risk of losing my money if I stop my contributions, discovered my advisor's dishonesty, and purchased a property without stable employment.
Unfortunately, just like me in 2015, marami pa rin akong nakakausap who are not fully in control of their finances.
They rely on their relatives, spouse, friend, financial advisor, real estate agents, and other professionals to make financial decisions and manage their money.
Yan ang ita-tackle natin today as we discuss the True Cost of Relying On Others
Reasons why people rely on others to manage their financesMonetary & non-monetary costs of relying on othersHow to effectively work with others when it comes to your financesThe hidden benefits of being in control of your financesProverbs 27:23-24: "Be sure you know the condition of your flocks, give careful attention to your herds; for riches do not endure forever, and a crown is not secure for all generations."
What You'll Learn:---
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here. -
It’s back to school season!
Marami sa atin ang natuto about math, science, history pero when it comes to Personal Finance?
Wala!
No one taught us how to budget, save, or invest.
Instead, nalaman na lang natin itong mga bagay na to the moment we started earning money for ourselves.
At ang lagi kong naririnig sa mga nakakausap ko eh, sana nalaman ko to nung bata pa lang ako.
Ako rin, yan din ang sinabi ko.
So today, we’ll talk about the things I Wish School Taught Me About Money
🧠What You'll Learn:
- Teaching kids the purpose of money
- The importance of Self-Awareness at a young age
- How advertisements, peer pressure and comparison distract kids
- The 4 Important Core Values that influence the child's attitude towards money
- Why I believe that we should teach the Value of Time at a young age
📖Verse:
Proverbs 22:6
"Train up a child in the way he should go; even when he is old he will not depart from it."---
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here. -
Today, we're diving deep into a topic that's dear to my heart—Investing.
Sa panahon ngayon, nakakatempt mag-invest sa dami ng mga nagsusulputang investments, strategies and ways to get rich faster.
Pero do you really know what you're getting into?
I've been there—nag-invest without proper understanding, guided only by the excitement and dreams of quick riches.
Ang resulta? Napakalaking financial setback.
Sayang ang oras, pagod at pera, diba?I wish someone had shared with me the essential things to consider before diving into investing.
So now, I'm sharing them with you.
Pramis, this will save you MILLIONS!
🧠What You'll Learn:
3:44 How I Got Into Investing
6:55 The Dunning Kruger Effect
7:54 Purpose: Your WHY in Investing
11:19 Risk Tolerance & Risk Capacity: Balance Between Desire and Safety
16:20 Time Horizon: Aligning Investments with Goals
20:07 Investment Vehicle: Know What You're Getting Into
20:49 Risk & Returns
21:59 Lock Up Period
22:42 Fees
28:29 Safety Nets
29:29 Why Emergency Fund Matters
31:06 Why OFW's should not buy insurance in the Philippines
34:43 Recap
37:25 Key Lessons
40:47 Today's Verse: Proverbs 21:5---
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here. -
We've all been there; even the brightest minds can sometimes make financial choices na talagang mapapakamot ka na lang ng ulo.
But don't be too hard on yourself.
It's a common, human error.
In this episode, we'll uncover the triggers and hidden biases that explain why smart people sometimes make stupid investment decisions.
🧠 What You’ll Learn:
Introduction to Cognitive BiasesBiases Affecting Self-Perception and Decision MakingBiases Impacting Risk Perception and Response to Loss/GainBiases Influenced by Others and External FactorsProven strategies to counter these biases---
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here. -
Money is a tool that can be used for God’s purposes.
This episode is not just for those struggling with money issues but for anyone looking to refine their relationship with wealth and to discover a more fulfilling, God-centered approach to personal finance.
Join me in exploring how our financial choices can serve not just ourselves, but also our community, and ultimately, God's kingdom.
It's not about the money itself - it's about finding God's purpose for it in your life.
This episode could very well be the start of your transformative journey in faithful finance.
🧠 What You’ll Learn:
You Are Driven By A Purpose: "FAGMA: “How These 5 Motives Prevent You From Living a Purposeful Life!”You Are Designed For A Purpose: "How Your SHAPE Reveals God's Purpose!”You Are Defined By A Purpose: "The 5 C's To Help You Craft Your Purpose Statement.”Link to the slides: https://docs.google.com/presentation/d/1sI5QFdE1oLp9_8l1ZEHXP_fVt1T809_4/edit?usp=sharing&ouid=115824648556419114337&rtpof=true&sd=true
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👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here. -
Have you ever heard the saying, 'You only need to get rich once'?
It's a simple but powerful idea.
Once you've saved a good amount of money, the most important thing is to keep it safe.
Of course, it's good to keep looking for ways to make your money grow.
Whether you're investing, handling a business, or even just saving your money, there's always a degree of risk involved.
But let's be clear about one thing: no risk that can wipe you out is ever worth taking.
At yan ang pag-uusapan natin sa episode na ‘to!
What you’ll learn:
Lessons from Jesse Livermore's storyWhat causes people to take huge risks that can wipe their entire net worthThe investment vehicles that have the potential to wipe us outSteps on how to avoid Financial Wipeout---
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here. -
In this episode, we're diving deep into the world of financial 'rules of thumb.'
These are simple guidelines that can serve as your compass in navigating your journey towards financial independence.
Whether you're grappling with how much to save from your income, how to manage your debt, or wondering about the right insurance coverage, we've got you covered!
These insights will be straightforward, practical, and easy to understand, no matter where in the world you're working or living.
Disclaimer: Remember that everyone's situation is unique. These rules of thumb are not one-size-fits-all answers, but they can provide a good starting point.
Cash Management: The 50/30/20 RulePay Yourself FirstEmergency FundSpend Less Than You EarnDebt Management: The Debt-to-Income Ratio (Rule of 36)The Snowball MethodLending RuleRisk Management/Insurance: Insurance Coverage RuleDIME Method for Life InsuranceInvestments: The Rule of 72Asset Allocation by Age (Rule of 100)DiversificationInvest for the Long TermStart EarlyThe 1% max service fee RuleBig Ticket Items: Car Buying RuleHome Buying RuleSaving for Vacations or Anniversary CelebrationsSaving for College EducationSaving for Retirement
What You'll Learn:
Discussion on various categories of financial rules of thumb:
📺 Watch it on YouTube: https://youtu.be/UBTHPla3UhQ---
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here. -
When it comes to money, what does 'enough' mean to you?
It's a question that can prompt a variety of answers.
For some, it might mean being able to afford all the needs and wants.
For others, it might mean feeling secure about the future.
But the truth is, understanding 'enough' is crucial to achieving financial contentment.
So how much is ever enough Kuya Jay??
Yan ang pag-uusapan natin today!
🧠What You’ll Learn:
The Contrasting Views on 'Enough'Understanding Why We Often Feel We Don't Have EnoughThe Negative Impact of Never Having 'Enough'Strategies for Defining Your 'Enough'Benefits of Knowing Your 'Enough'---
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here. -
Does the idea of creating a business, that serves people, makes their lives better, and earns you good money, excite you?
Well, if that sounds like a “Perfect Business”, then don’t miss this episode!
Our guest is Mr. Dodong Cacanando, the owner of Moriah Farms Inc in the Philippines.
He is a businessman, farmer, author, and inspirational speaker, who left his executive role at Hewlett-Packard Philippines in 1998 to establish Moriah Farms, where he cultivates livestock and vegetables.
Beyond his farming success, he has dedicated himself to enlighten others on the principles of business through his foundation, Semilya Sa Kinabuhi, utilizing the Bible as a business manual and the plant as a model.
His unique journey from corporate life to farming, his love for entrepreneurship and his devotion to helping others create a better future, make him a truly inspiring figure.
🧠 What you'll learn:
The key characteristics of what constitutes a "perfect business"Why the "perfect business" should be created rather than sought afterOvercoming lack of experience, financial constraints, and personal commitmentsThe challenges and struggles faced when your business is geographically distantHow to gauge if you're on the right track with your businessThe role of faith in business: using the Bible as a business manual and its impact on business operationsValuable advice for the those aspiring to venture into entrepreneurship📺 Watch On YouTube: https://youtu.be/lGIBFyKX-Xw
Connect with Sir Dodong
Website: www.dodongcacanando.comFacebook: https://www.facebook.com/dodongcacanandoYoutube: https://www.youtube.com/c/DodongCacanandoSpotify: https://open.spotify.com/show/6q3Z7hvOneX8Q2X0myFbuU---
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here. -
Ever wondered what it takes to truly build wealth?
Tune in to our latest podcast episode where we dive into the wisdom of Ramit Sethi's eye-opening Netflix documentary, 'How to Get Rich'. Ramit is the author of the New Yor Times Best Selling Book, ‘I Will Teach You To Be Rich’ and has been in empowering individuals to be in charge of their finances for over 20 years now!
We'll explore essential financial lessons, from facing your money woes head-on and understanding the real cost advisory fees, to the deceptive allure of get-rich-quick schemes. We'll also tackle the buying vs. renting debate and discuss the importance of defining your own 'rich life'.
Chapters:
(00:00) Introduction
(05:11) Face Your Financial Problems
(08:34) Communicate with Your Spouse
(11:56) Never pay for % when speaking to a financial planner
(14:06) Avoid get rich quick schemes
(18:35) Detach from your material possessions
(20:52) Run your numbers
(23:13) Make a conscious spending plan
(24:15) Buying vs renting
(27:20) Know what your "Rich Life" is---
👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here. - Visa fler
