- 110
- 20 431
Kuya Jay
United Arab Emirates
เข้าร่วมเมื่อ 10 มิ.ย. 2020
Financial Coach & Educator based in Dubai. On a Mission to Help Every Overseas Filipino Become Debt-Free, Build Wealth & Live a Purposeful Life | Financial Literacy Advocate | Pera & Purpose Podcast Host
150: Cultural Expectations That Keep Filipinos Broke
Many Filipinos struggle to build wealth, not because they aren't working hard, but due to cultural expectations around money.
In the Philippines, finances are closely tied to family and community, often leading to pressures that keep people financially stuck.
Obligations like supporting extended family or maintaining appearances can hurt financial health.
This episode explores how these cultural norms prevent financial freedom and offers ways to shift your mindset, so you can use money in a way that serves you, rather than being controlled by societal pressures.
🧠What You’ll Learn:
- The impact of utang na loob and pakikisama on financial stability-
- Historical and cultural roots of these practices
- Balancing cultural values with financial responsibility
- Practical steps for managing cultural expectations
📢Join our Community: whop.com/peraandpurpose/
Download TapTap Send today:
🤖Google Play Store: bit.ly/3KCAmyq
🍎Apple App Store: apple.co/3qsTQii
Use promo code KUYAJAY to get:
UAE - AED 25
US and Canada - $20
UK - GBP 10
EU - EUR 10
In the Philippines, finances are closely tied to family and community, often leading to pressures that keep people financially stuck.
Obligations like supporting extended family or maintaining appearances can hurt financial health.
This episode explores how these cultural norms prevent financial freedom and offers ways to shift your mindset, so you can use money in a way that serves you, rather than being controlled by societal pressures.
🧠What You’ll Learn:
- The impact of utang na loob and pakikisama on financial stability-
- Historical and cultural roots of these practices
- Balancing cultural values with financial responsibility
- Practical steps for managing cultural expectations
📢Join our Community: whop.com/peraandpurpose/
Download TapTap Send today:
🤖Google Play Store: bit.ly/3KCAmyq
🍎Apple App Store: apple.co/3qsTQii
Use promo code KUYAJAY to get:
UAE - AED 25
US and Canada - $20
UK - GBP 10
EU - EUR 10
มุมมอง: 54
วีดีโอ
149: Why It's More Expensive To Be Poor AKA Poverty Penalty
มุมมอง 53116 ชั่วโมงที่ผ่านมา
Ang ironic, di ba? The less money you have, the more expensive life becomes. It sounds counterintuitive, but this is the harsh reality for many Filipinos. Everyday expenses like healthcare, housing, transportation, and even food cost more for those who are struggling financially. And the worst part? These costs trap people in a cycle of poverty. According to studies, people living in poverty fa...
148: How We Bought Our Family Car Without Breaking the Bank
มุมมอง 3.7K21 วันที่ผ่านมา
So my wife and I just bought our first (and only) car, and let me tell you, it wasn’t easy navigating all the choices. From figuring out what we needed to what we could afford, we learned a lot along the way. And by the end of this episode, I’ll share a smart strategy we discovered that can help you manage your interest payments. So, whether you’re in the market for a new car or just curious, s...
147: Lessons From Riches to Rags Stories
มุมมอง 48421 วันที่ผ่านมา
In this eye-opening Halloween episode, we explore real-life stories of individuals and families who experienced dramatic financial downfalls. These cautionary tales serve as powerful reminders of the importance of financial literacy and prudent money management. What You'll Learn: - The importance of risk management in wealth preservation - Why being a good steward of your resources matters - U...
146 The Unbreakable Rules of Wealth
มุมมอง 3012 หลายเดือนก่อน
Are you working hard but still not seeing the wealth you hoped for? It might not be about your effort or desire but about not having a solid set of financial principles guiding you. In today’s episode, we’ll uncover the key wealth principles that can help you build a strong financial foundation. We’ll differentiate between values and principles, why principles matter, and how to craft and apply...
145: How To Align Your Financial Decisions with Personal Values
มุมมอง 1202 หลายเดือนก่อน
Have you ever felt uncertain or disconnected when making financial choices, wondering if your decisions truly align with what matters most to you? This alignment is crucial because when your values and financial decisions are out of sync, it often leads to stress, dissatisfaction, and even financial instability. Research shows that when people align their financial actions with their personal v...
144: Beware of the 700,000 PHP Task Scam
มุมมอง 924 หลายเดือนก่อน
Imagine waking up one day to find out that you’ve lost 700,000 pesos to a scam. It’s a nightmare that has become a harsh reality for many. Task scams, recruitment scams, investment scams, loan scams - they’re all designed to exploit our trust and financial vulnerability. The rise in financial scams in the Philippines is alarming, with many falling victim due to lack of awareness. Understanding ...
143: The Savings Rate Advantage
มุมมอง 1034 หลายเดือนก่อน
Have you ever wondered why some people seem to accumulate wealth faster than others, despite having similar incomes? The key to financial success isn’t just about earning more money-it’s about how much you save and invest. Many people chase higher-paying jobs or promotions, thinking this will lead to wealth. But studies show that savings rate is a more crucial factor in building wealth than inc...
142: Why Time Freedom Comes First Before Financial Freedom
มุมมอง 1274 หลายเดือนก่อน
Time is the most valuable resource we have, yet many of us overlook its importance in our pursuit of financial freedom. We often think that financial abundance will give us the life we desire, but there's a foundational element we're missing. Inspired by Dan Sullivan's book Who Not How, I learned that time freedom is the foundation of true financial freedom. Without control over your time, fina...
141: Change Your Questions, Change Your Life
มุมมอง 745 หลายเดือนก่อน
Have you ever wondered how asking the right questions can change your life? The quality of the questions we ask ourselves often determines the quality of the answers we receive. Asking the right questions has been a game-changer for many successful individuals, helping them navigate their journeys with clarity and purpose. In this episode, I'll share some of the essential questions I ask myself...
140: Your Mess Is Your Message
มุมมอง 556 หลายเดือนก่อน
Discover how your past failures, especially in the realm of investments, can be transformed into valuable lessons and guiding lights for others. Kuya Jay shares his own experiences, including the lessons learned from his first condo investment, and provides practical insights on how to turn your mistakes into meaningful messages. Join us for an inspiring and educational journey that will help y...
134: Highs, Lows, Rants, Lessons & Realizations for 2023
มุมมอง 9610 หลายเดือนก่อน
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...
129: The True Cost of Relying On Others
มุมมอง 76ปีที่แล้ว
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, mara...
128 - What I Wish School Taught Me About Money
มุมมอง 90ปีที่แล้ว
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 ...
126 Why Smart Investors Make Stupid Investment Decisions
มุมมอง 76ปีที่แล้ว
126 Why Smart Investors Make Stupid Investment Decisions
121: Building the Perfect Business ft Dodong Cacanando
มุมมอง 3.8Kปีที่แล้ว
121: Building the Perfect Business ft Dodong Cacanando
120: Lessons From "How To Get Rich" Netflix Docu Series
มุมมอง 80ปีที่แล้ว
120: Lessons From "How To Get Rich" Netflix Docu Series
119: Life After Y.O.L.O ft. Ralph Ricablanca
มุมมอง 53ปีที่แล้ว
119: Life After Y.O.L.O ft. Ralph Ricablanca
Being In God's Divine Payroll ft. Wandalyn Tan-Calupig
มุมมอง 63ปีที่แล้ว
Being In God's Divine Payroll ft. Wandalyn Tan-Calupig
How to Not Let Money Take Control of Your Life ft. Randell Tiongson
มุมมอง 1.1Kปีที่แล้ว
How to Not Let Money Take Control of Your Life ft. Randell Tiongson
Life & Money Lessons From Squid Game | HEY KUYA JAY
มุมมอง 343 ปีที่แล้ว
Life & Money Lessons From Squid Game | HEY KUYA JAY
Run Your Own Race ft. Mae Mendoza | #insPERAsyon: Inspiring Pera Stories of Overseas Filipinos
มุมมอง 3193 ปีที่แล้ว
Run Your Own Race ft. Mae Mendoza | #insPERAsyon: Inspiring Pera Stories of Overseas Filipinos
Think Like An Economist ft Gemmy Lontoc
มุมมอง 2753 ปีที่แล้ว
Think Like An Economist ft Gemmy Lontoc
How To Spot & Stop A Scam ft Elaine Linga of Invested Lifestyle
มุมมอง 2313 ปีที่แล้ว
How To Spot & Stop A Scam ft Elaine Linga of Invested Lifestyle
What's the Best Life Insurance for Children? | Hey Kuya Jay Episode 03
มุมมอง 243 ปีที่แล้ว
What's the Best Life Insurance for Children? | Hey Kuya Jay Episode 03
#insPERAsyon Ep. 03: Meaning Over Money ft Bro Ion
มุมมอง 333 ปีที่แล้ว
#insPERAsyon Ep. 03: Meaning Over Money ft Bro Ion
Fiesta. I grew up watching my parents especially my father spend so much money and energy for this tradition. Ito ung pinaka importanteng Araw sa taon niya. Masaya naman Kasi Siya dahil bumibisita mga Kapatid nia, kaibigan, kakilala, kakilala Ng kaibigan niya, etc. April ang fiesta saamin pero December pa lang pinaghahandaan na. Bumibili ciya Ng baboy at broiler chickens para ipang handa. Naririnig ko rin na nangungutang sila. Oo Masaya sila kahit after nun financially damaged nanaman kami. Nararamdaman ko pg June(pasukan) Hindi stable finances namin kaya palagi ko sinisisi ang fiesta. Hindi naman kase naman afford. Tricycle driver ang papa ko at housewife si mama. Kaya financially crippling talaga ang fiesta para sa Amin.
Thanks for sharing! Have you had the discussion with your father why celebrating fiesta is so important to him?
Very helpful and informative! Continue providing contents like this bro..
Salamat bro. Join our community to interact with other listeners!
yung sample mo 2.65% is annual interest rate na ng bank yan?
Yup! Yan yung nakuha namin sa bank dito sa UAE. Ang standard dito is 2.99, pero depende pa rin sa credit score.
@@jayadriantolentino mura naman pala ng interest jan. haha kaya nga bawiin sa high interest banks na may 4% annual interest rate
@@jyrho2153 oo ang mataas dito eh ang cost of living. lalo na ang housing, parang may brand new kang sasakyan every year if you’re renting out a 1br apartment 😬
Boots Theory
yes! poor people spend more over time due to the need to replace low-quality items vs buying 1 high quality that lasts longer.
Ayy, gusto ko yung mag asawa ng mayaman hahahaha charot😂
Yun ang pinakasagot sa kahirapan 😂
sa Philippine Setting ang pinaka kawawa mga middle class. hindi naman nagbabayad ng Tax ang mahirap/minimum wage earner. and madami sa mahirap walang trabaho/ayaw mag trabaho pinapalamon pa ng gobyerno via 4ps program libreng pera. pero ang middle class ano meron? namamatay lang sa kakatrabaho pero wala rin perang natitira
Good point. Though i still think na mas may chance pa rin ang middle class to succeed in life kasi they have better access to opportunities given na they have better education, network and income. Ang challenge ng most middle class is how they use their resources to grow their income further kasi many of them spend on things they don’t really need na nagamit sana to enhance their skills or start a business.
hi, pwede po pa share ng 20/4/10 calculation using excel :)
@@bardagulan_promax andito whop.com/hub/peraandpurpose
📌 Anong kotse ang gusto nyong gawan ng affordability check?
natawa aku sa BMW mo ser😂 anyways thanks for sharing your ideas on how to.
Yun ang best option pa rin dba?😂 thanks for watching and subscribe na rin 😬
Thanks for the helpful info! 👍
@@babycoh4325 most welcome! Which one resonated with you most?
Why asx?! Hahaha
@@MangEmong reliable brad. Saka maganda hatak, yun lang din ang 2.0L for its price
Valid! 🔥 🔥 🔥
@@FiloTalk 🚀🚀🚀salamat brad!
AKO BIBILI AKO NG CAR, PAG MAY PAMBILI NA AKO... HAHAHAHA
@@PESVLOGUAE oo bro, balikan mo lang tong episode na to.
Just subscribed btw, as a form of support. Way to go!
What motivated you to share riches to rags stories? The reason why I asked is that lately, I've been lurking into reddit, google and YT on this very same topic😂. Then your content just popped up on my YT feed. Haha.
@@cheferdsfarm8195 😂😂😂 wala lang, just thought of sharing it kasi nga it’s really scary to lose what you’ve built and sakto halloween season. Reddit is a great place to get data na relevant to my audience. Thanks for the support. All the episodes are on Spotify btw.
Nothing is scarier than a financial horror story! Humabol pa sa Halloween tong vlog mo 😅
@@PHfoodcrawl ahahah nakakatakot talaga ang riches to rags stories 😅
2days late but yeyyy finally!! 🎉
First!
Ako nahihirapan sa pananalita mo Kuya Jay. No offense meant pero pakinggan mo sana kung papano ka mag-salita.
@@KryptonMercado-xz8tv thank you. Can you share the specifics pls. Want to improve pa. Salamat sa feedback 🙏🏽
@@KryptonMercado-xz8tv thank you. Can you share the specifics pls. Want to improve pa. Salamat sa feedback.
@jayadriantolentino... Sira lang pala sound system ko kaya di ko masyadong marinig. Regards
Thank you sir, sa advice kc isa Po akung gov. Employee maganda Naman Po Yung sahod, kaso nga lang Po may sakit ako, feeling ko hndi na ako fit sa work ko, Minsan gusto ko Ng huminto at mag negosyo pero wala akung alam, Lage lang ako Ng pray Kay God siya na bahala saan ako mapunta🥲
yooooooooooooow!!!! Congratulations ulet, kabsat!
❤❤❤ thank you po
Break is good! Rest is from the Lord. Avoid burnout . Salamat Kuya Jay!😊
Idol ku yan Si Kuya Jay!!!listening from colorado USA!
Hoy g@g0 scammer balik mo pera ko. T@#$na m mamamatay k rin . D k aasenso s buhay. Wag moko block s fb. Nkreport k n s nbi. D lng pl ako niloko m may ibang lahi p. Hayop k. 199jobs nga pl kung san moko iniscam hayop k bk nkklimutan m. Rene Paolo
Thank You Jay!
So much Great information worth sharing! I shared it to my Team here in the USA.
Jay Thanks for wverything!
*Promosm*
Great story! Thanks for sharing this kind of content. We need more content like this. Very informative and inspirational. Nakakatuwa to see people like Godwin being good ambassadors sa labas and also looking towards his personal finances. These are the kind of stories we need to hear more of. I liked what he said na narinig na nya, kaso hindi nya pa inaaply. Which is nag rema din sa akin. Listened to your Randel Tiongson podcast as well. New sub here!
woah! thank you for the feedback mike! yes, i'll do my best to invite more Filipinos with inspiring life and money stories. really appreciate your comment!
👉 Promo>SM
Very inspiring story.👏👏👏.
salamat ng marami!
Great video! Thanks for sharing your wisdom🙏
Most welcome po!
u😢u7uuuu*uuuuù7u77uùu😢u
Been following/listening to you since 2 weeks ago. Great find! Thank you for putting these contents up. Blessings!
Thanks donway! 🎉
@@jayadriantolentino You're welcome. It's DonwayNE btw. lols!
@@DonwayneCogay oh sorry donwayne >_<
@@jayadriantolentino totally unnecessary. Was pulling your leg lang. 😄 🤣 😂 thank you for today's episode with God Sy
@@DonwayneCogay ahaha thank you for your kindness.
Kep on inspiring and making a difference, Jay! Kudos!
Keep going po kuya Jay! I'm an OFW po and I always listen to your podcasts sa spotify! napaka useful po! Thank you po sa inputs lagi at GODBless!
kuya j lagi ako nakikinig ng podcast mo dami ko natututunan solid lahat sir thankyou so much
salamat bro!!! ano pang topics ang gusto mong mapakinggan?
Thank you for this content! As a fan of Dr. Iris, I get to know more of her personal life and it's really motivating. Humble start, struggles, and now look at where she is. Salamat po 😊 love from Denmark 😊
This was a great episode Kuya , appreciate it
Yun nahanap rin. Ang hirap hanapin s yt iba title nung nasa spotify. Hahaha
ay sorry bro iba pala yung nailagay ko dito haha. salamat sa panunuod!
i had fun listing to this episode
heyyyy! thank you mark! Glad you liked it!
kuya jay manager baka gusto popsocket or keychain nang axie team mo o logo yield guild mo o youtube chanel mo search nyo lng po “Mina resin” or “Axie popsocket” sa shopi . . . . . . pede rin mini unboxing hehe
Sige titignan ko yan haha!
bobo!
Ang galing tatang tama ung analysis niya.
Thank you 🙏🏻
Thank you rin ms glessy! 🥰🥰💪🏽
Its been awhile Kuya Jay
ahaha yes, nag season break lang saglit lol
Please post here the link so that people will see it I mean about the dirhams and sense
Gain fresh insight on how to improve your finances! This series of two webinars & three weeks of classes is guaranteed to help every Overseas Filipino save & invest CONSISTENTLY, manage debt, avoid scams, and build long-term wealth! What’s cool is that this will be facilitated by Aya Laraya himself! In case you didn't know, Aya is the founder of Pesos & Sense, an educational company that covers a wide range of personal finance and investment topics that typically intimidates the average Filipino. It started as a weekly Saturday morning show on GMA that tackled personal finance and investments, simplifying it to a more approachable and doable manner. What you’ll learn: - Webinar 1 1. Our cultural beliefs that inhibit financial literacy. 2. Understanding our own cognitive biases that sabotage our finances. - Webinar 2 1. Were you able to improve your finances during the the course? 2. How do you sustain the momentum moving forward and prevent relapses. - Week 1 1. Behavioral Finance for OFWs. 2. Cognitive Biases 3. Choice Architecture - Week 2 1. Time Value of Money 2. Time Versus Money - Week 3 1. Product Evaluation and Selection 2. Portfolio Monitoring 3. Leveraging FinTech BONUS! - Get 2-month access on Webinars & Courses via Ronin Dojo (worth 350 AED) - 2 hours extra Q&A session with Aya Laraya (worth 1,000 AED) What are you waiting for? Enroll now! Early birds will pay only 85 AED until May 28! Regular price is 150 AED! Having a strong foundation is the key to your financial success! As what our speaker always say, “Aral muna bago invest!” So pano? Kita-kits by signing up here: [www.theronindojo.com/?ref=e0c6b9]
@@jayadriantolentino thanks
i can safely say na im in the good side of real estate investing with you guys.👌🏼👍
salamat bro!
Nice yung explanation ni Sir Fitz
yes super!
Digital bank mag save ng mataas ang interest.