25/05/2025
โ๐ ๐ฎ๐ด-๐ถ๐ถ๐ฝ๐ผ๐ป ๐ป๐ฎ ๐น๐ฎ๐ป๐ด ๐ฎ๐ธ๐ผ ๐๐ฎ ๐๐ฎ๐๐ถ๐ป๐ด๐/๐ฏ๐ฎ๐ป๐ธ ๐ธ๐ฒ๐๐ฎ ๐ธ๐๐บ๐๐ต๐ฎ ๐ป๐ด ๐ถ๐ป๐๐๐ฟ๐ฎ๐ป๐ฐ๐ฒโฆโ
Letโs say youโre in your 30s today, earning around โฑ40,000/๐บ๐ผ๐ป๐๐ต. ๐ฌ๐ผ๐ ๐ฐ๐ต๐ผ๐ผ๐๐ฒ ๐๐ผ ๐ท๐๐๐ ๐๐ฎ๐๐ฒ ๐ถ๐ป ๐๐ผ๐๐ฟ ๐ฏ๐ฎ๐ป๐ธ ๐ถ๐ป๐๐๐ฒ๐ฎ๐ฑ ๐ผ๐ณ ๐ด๐ฒ๐๐๐ถ๐ป๐ด ๐น๐ถ๐ณ๐ฒ ๐ถ๐ป๐๐๐ฟ๐ฎ๐ป๐ฐ๐ฒ.
Assuming youโre disciplined enough to set aside โฑ20,000/๐บ๐ผ๐ป๐๐ต after all your expensesโฆ In 30 years, youโll have around โฑ7.2 ๐บ๐ถ๐น๐น๐ถ๐ผ๐ป by the time youโre in your 60s.
Sounds like a secured solid plan no? Pero eto ang tanong...
โ๐๐๐๐ฃ๐ค ๐ ๐ช๐ฃ๐ ๐๐๐๐ก๐ ๐ ๐๐ฃ๐ ๐ข๐๐๐ ๐๐จ๐๐ ๐๐ฉ?โ
โ๐๐๐ฎ๐ ๐๐ ๐ฃ๐ ๐จ๐๐ซ๐๐ฃ๐๐จ ๐ข๐ค ๐๐ฃ๐ ๐๐ค๐จ๐ฅ๐๐ฉ๐๐ก ๐๐๐ก๐ก๐จ?โ
"๐๐ฃ๐ค๐ช๐๐ ๐๐ โ๐ฎ๐๐ฃ ๐ฅ๐๐ง๐ ๐ข๐๐๐ช๐๐๐ฎ ๐ ๐ ๐๐ฃ๐ ๐ฎ๐ค๐ช๐ง ๐๐๐ข๐๐ก๐ฎ ๐ฌ๐๐๐ฃ ๐ฎ๐ค๐ช ๐ง๐๐ฉ๐๐ง๐?โ
But reality check...
โข ๐๐ฃ๐๐ก๐๐ฉ๐๐ค๐ฃ ๐ฃ๐๐ซ๐๐ง ๐จ๐ฉ๐ค๐ฅ๐จ!
โข ๐๐๐๐ก๐ฉ๐ ๐๐ค๐จ๐ฉ๐จ ๐ง๐๐จ๐ ๐๐ซ๐๐ง๐ฎ ๐ฎ๐๐๐ง...
โข ๐๐๐๐๐จ๐ฉ๐ฎ๐ก๐ ๐๐ข๐ฅ๐ง๐ค๐ซ๐๐จโ๐๐ฃ๐ ๐๐ญ๐ฅ๐๐ฃ๐จ๐๐จ ๐๐ง๐ค๐ฌ ๐ฌ๐๐ฉ๐ ๐๐ฉ...
So yes, โฑ7.2 ๐บ๐ถ๐น๐น๐ถ๐ผ๐ป sounds big in 2025, but by 2055, ๐๐ถ๐น๐น ๐ถ๐ ๐๐๐ถ๐น๐น ๐ฏ๐ฒ ๐ฒ๐ป๐ผ๐๐ด๐ต? ๐ค
๐ง๐ต๐ฒ ๐ฟ๐ฒ๐ฎ๐๐ผ๐ป ๐๐ต๐ ๐น๐ถ๐ณ๐ฒ ๐ถ๐ป๐๐๐ฟ๐ฎ๐ป๐ฐ๐ฒ ๐บ๐ฎ๐๐๐ฒ๐ฟ๐, kahit magka-inflation, secured kaโmay backup plan ka habang inaabot mo yung mga pangarap mo sa buhay.
Hindi lang siya para sa worst-case scenario,
itโs about having peace of mind habang lumalaban ka sa buhay. May protection ka when life gets tough at ๐บ๐ฎ๐ ๐ฎ๐๐๐๐ฟ๐ฎ๐ป๐ฐ๐ฒ ๐ธ๐ฎ ๐ป๐ฎ ๐ต๐ถ๐ป๐ฑ๐ถ ๐บ๐ฎ๐๐ฎ๐๐ฎ๐๐ฎ๐ป๐ด ๐น๐ฎ๐ต๐ฎ๐ ๐ป๐ด ๐ฝ๐ถ๐ป๐ฎ๐ด๐ต๐ถ๐ฟ๐ฎ๐ฝ๐ฎ๐ป ๐บ๐ผ.