(Juan) Standby, walay kwarta. way trabaho. Sayo's buntag nag sigarilyo ug nag inom.
(Pedro) Hardworker. Dali2x kapyot sa jeep para di lang ma late sa trabaho pero walay save2x.
At 60 years old:
(Juan) Walay kwarta.
(Pedro) Wala pud kwarta.
Juan to Pedro: "Maypa nag standby nlng pd ka."
Moral of the story:
No matter how hard you work now, if you fail to plan for your future, you still end up retiring broke. You cannot work the rest of your life. Prepare as early as you receive your first paycheck so you can retire early and spend more quality time with your family.
FINANCIAL. EDUCATION IS THE 🔑 KEY
KNOW MORE, CONNECT WITH US

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When it comes to securing and saving their future, many good people fail. Many hard-working people fail. Many smart people fail. Many young people fail. Many old people fail. Many teachers fail. Many engineers and doctors fail. Many end up retiring without enough savings.

These people don't set out to fail. They do because they fail to plan and manage their personal finances.

They lack financial education.

PREVAILING MINDSET ABOUT MONEY

Many people believe that financial education is only for the wealthy. Many think that the only solution to financial challenges is to borrow money.

So some say that because they are poor, they don't need to save.

Many Overseas Filipino Workers (OWFs) work hard for years and still end up retiring poor. OFWs are heroes who sacrifice a lot just to be able to send money and gifts to their families back home. In many cases, the families take for granted just how hard it is for an OFW to earn the money they remit. The families do not know that many OWFs send balikbayan boxes filled with brand-new clothes and shoes that they themselves do not have.