💵 Guide to SAVINGS for BEGINNERS (what, why, how) | Finance from Scratch 💰

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  • เผยแพร่เมื่อ 24 ธ.ค. 2024

ความคิดเห็น • 196

  • @NicoleAlbaYT
    @NicoleAlbaYT  ปีที่แล้ว +69

    ⚠ WARNING: Be careful of FAKE ACCOUNTS and SCAMMERS pretending to be me on Facebook, Instagram, Tiktok, and other social media platforms.
    I will NEVER message you about any trading or investment opportunity. I do not have any backup accounts. Be careful of SCAMMERS who have been stealing my photos pretending to be me. These are the links to my OFFICIAL social media platforms:
    Facebook - facebook.com/alba.nicoleee
    Instagram - instagram.com/alba.nicoleee/
    TikTok - www.tiktok.com/@heynicolealba
    Hi guys! It’s been 2 months since my last upload. Life has been busy 😅 I’m super excited about this episode because SAVINGS is an important pillar in personal finance. I hope that this video helps you guys better understand what savings is, reasons why we save, and how you can start saving. Hope you guys learn something new! See you guys in the next video 👋
    What do you think of this new series? What other topics do you want me to cover? Share your thoughts, comments, and feedback in the comments section!!
    💙 Thank you to GoTyme for their support in working with me which made this video possible.

    • @JoycePurisima
      @JoycePurisima ปีที่แล้ว +1

      what can you say about Insurance po? 😅 like Pru, is it good or worth it po ba or there's other way around to get the benefit that they are also offering?

    • @alvinbernabe5904
      @alvinbernabe5904 ปีที่แล้ว

      Begginer po aq maam, new subscribers po mam

    • @buhlermarin9372
      @buhlermarin9372 ปีที่แล้ว +1

      Nothing equates investing, and when it's done
      properly, you don't need to get yourself all worked up about money anymore as it's creates a lot of extra income

    • @geraldlee9028
      @geraldlee9028 ปีที่แล้ว

      Noted

    • @buhlermarin9372
      @buhlermarin9372 ปีที่แล้ว +1

      @@geraldlee9028 Where are you from friend?

  • @jm8837
    @jm8837 ปีที่แล้ว +101

    It's so hard to even think about saving much more investing when you're just surviving.😭

    • @criselhernandez2267
      @criselhernandez2267 ปีที่แล้ว +21

      You can invest in yourself first, by acquiring knowledge and skilling up ❤

    • @TheMeanprince
      @TheMeanprince 10 หลายเดือนก่อน +5

      But it's not impossible. You'll just have to start small and have laser-focused vision to your goal.
      Reinforce your determination by consuming the right online contents. It's not gonna be easy. Anything worth it is never easy.
      And surviving? It's the same launching pad most of us had to start from.
      The first thing about saving and investing is not actually saving and investing but conditioning your mind and educating yourself.
      The question is not about whether you can afford to save and invest but rather can you afford not to.

    • @HowtoMentality
      @HowtoMentality 6 หลายเดือนก่อน

      focusing and building yourself is the greatest project and investment you could every have and start on. Knowledge is great investment also you body and health

  • @angeltaloyo9791
    @angeltaloyo9791 ปีที่แล้ว +30

    I automate my savings. I learned to pay myself first and consider savings as an expense. I tell my friends and family there's three types of savings; save for an emergency, save for what you want, and to save to invest. I also teach my family and friends the virtues of compound interest and what is an asset and a liability. I made mistakes with my investments, I thought I was secure, then I realized I wasn't. I ramped up my investment and savings. I also took advise from Dave Ramsey about having a financial advisor to manage my portfolios; I never looked back. My savings rate at the moment is at 32 percent and reaching 35 percent since I put away money that's left over for the day, week, or month is left from budget.

  • @mariamaria-ek8dt
    @mariamaria-ek8dt 8 หลายเดือนก่อน +2

    Hi Nicole, it's been awhile and i felt like i was being derailed from a motivated good financial decision maker into "don't know where i'm at now after a year" and so i decided to go re watch ur vids on savings and it hit me with a huge guilt. please do more videos as I did learn a lot from u when i started to subscribe frm ur channel. i need more ❤thank you

  • @Lostsoul060685
    @Lostsoul060685 ปีที่แล้ว +3

    Yes.. we choose either the pain of regret or the pain of decipline.. Thanks for this!!!

  • @carlopaolodelacruz6543
    @carlopaolodelacruz6543 ปีที่แล้ว +7

    I'm a second year college student who's very attentive to my spendings yet ambilis ko mabudol and ang ending, no savings yet as of the moment! Huhu. I feel very urged to start to save yet I don't know how to start or where to start.
    Ate Nicole's guidance through these videos really will help me a lot in strategizing my financial journey. Thank you ate nikss! Aabangan ko future videos mo po!

  • @Rosé-y7s2j
    @Rosé-y7s2j ปีที่แล้ว +2

    omg, i just watch your videos early morning, and now you have uploaded ❤❤❤

    • @NicoleAlbaYT
      @NicoleAlbaYT  ปีที่แล้ว +1

      Haha it’s pretty cool that able to process what I say even though early morning 😆👌

  • @pennylane0308
    @pennylane0308 ปีที่แล้ว +1

    Love your vids coz always concise. Short and jampacked with value. Easy to understand, straight-to-the-point. No time wasted.

  • @ethanpagaduan3294
    @ethanpagaduan3294 4 หลายเดือนก่อน

    I enjoyed watching your videos! Andaming realization! I tend to oversave, and iniisip ko minsan hindi ko na eenjoy yung money ko. Now I realized I can utilize it more. And important din na huwag pagdamutan ang sarili, and huwag din sobrang pagbigyan 😂😂😂

  • @tmcrstbl
    @tmcrstbl ปีที่แล้ว +4

    Hi Nicole, salamat sa information. Hopefully, you can also create a video on how to start investing and how you manage it. :)

  • @kiacortez7010
    @kiacortez7010 ปีที่แล้ว +17

    Thank you so much Ms. Nicole Alba for sharing this! It's so helpful to hear you talk about this as a 4th year student about to graduate. Adulting seems scary, but hearing you talk about these "simple" topics, makes it so much easier and less daunting! 💙

    • @NicoleAlbaYT
      @NicoleAlbaYT  ปีที่แล้ว +7

      Haha thanks Kia!! I graduated last year lang so I definitely understand how scary & overwhelming the transition from school to “real life” could seem - but everything works out naman! I’m happy to hear na my video is helping you navigate your own adulting journey in some way 💙✨

  • @totorostorage9714
    @totorostorage9714 ปีที่แล้ว +3

    I made an account on gotyme right after watching this. let's all reach the financial freedom that we deserve ❤ thank you for sharing your knowledge, cheers!

  • @jonsenilla7259
    @jonsenilla7259 ปีที่แล้ว

    Ang dami ko talaga..natutunan sayo about financial life...kaya laga ako nanonood ..ang galing mo mag paliwanag...

  • @janice_mik
    @janice_mik ปีที่แล้ว +1

    Finally! 🎉 an update

  • @syntheticmood5426
    @syntheticmood5426 ปีที่แล้ว +1

    super knowledgeable talaga ng mga vids mooooo. Next topic naman yung mga banks/e-banks na recommended mo with high interest aside from gotyme. Been watching your videos nung wala pa work and wala pa masave hahahaha but now I have work na and willing to achieve financial stability

  • @TrangeTahop-ye3wz
    @TrangeTahop-ye3wz ปีที่แล้ว +2

    Hi! I'm a new subscriber. I've been focusing on my finances for the past year and I stumbled upon your channel one day. I looooove how light and casual your videos are. The way you explain makes information easy to retain and strategies are fairly easy to execute too, especially as a beginner. I have a really poor attention span and I skip videos/movies/shows that I watch EXCEPT yours. I love every second of it!

  • @joemmendoza9404
    @joemmendoza9404 ปีที่แล้ว

    Welcome back again! More power!

  • @isoclouds
    @isoclouds ปีที่แล้ว +1

    Right on time! needed this guide thanks

  • @elongmask3828
    @elongmask3828 ปีที่แล้ว +17

    What you're doing is a service to everyone. Financial literacy is a definite must know, and it's just awesome that you're presenting it in an engaging and entertaining way. Your passion is contagious! Great job!

  • @xenaik4407
    @xenaik4407 ปีที่แล้ว

    good day ms Nicole I really admired ur thoughts about financial matters😊👍🥰

  • @shadedwizard8566
    @shadedwizard8566 ปีที่แล้ว +2

    Im about to turn 18 in a few weeks and I've looking for about a year how to start off this journey so that it doesn't harden over time. For now I've been watching ur spreadsheet tutorials and now I'm glad to say that I'll be launching 2 small (rly small) businesses!! They r rly simple but i think they will help me get into de financial world dynamic 😊

  • @bijilearnsthings
    @bijilearnsthings ปีที่แล้ว

    She’s back!

  • @kuyagaoie
    @kuyagaoie ปีที่แล้ว

    Finally! Been waiting for your uploadssssss.

  • @sophiaisabelle027
    @sophiaisabelle027 ปีที่แล้ว +6

    We appreciate your advice to us. Handling finances well can definitely make a huge difference in our lives.

  • @jamarquiza2223
    @jamarquiza2223 ปีที่แล้ว

    nakaka inspire ka talaga❤️

  • @henessyfranco6355
    @henessyfranco6355 ปีที่แล้ว

    Wow ang galing hehe Thank you Nicole for sharing your knowledge.

  • @Kingpin19922
    @Kingpin19922 ปีที่แล้ว

    Welcome back, crush!! 😊😄

  • @nncuison
    @nncuison ปีที่แล้ว

    Love your vids, Nicole! ♥️

  • @seil_arts
    @seil_arts ปีที่แล้ว

    Finally new vid!🎉

  • @elajamias4522
    @elajamias4522 ปีที่แล้ว

    Eye opener ulit ❤️❤️❤️ Magseseryoso na po magsave, promiee. Hehe

  • @ineedacomebackfromtheartis8788
    @ineedacomebackfromtheartis8788 ปีที่แล้ว +3

    Definitely one of my favorite videos I’ve watched. You explained it very clearly and accurately. Also, I agree with you, spending should be the last one and should have small allotted amount of money 🤣 like girl, I don’t wanna suffer when I’m gonna enter in my 30’s era. My goal is to buy everything I want when I turned 30. Thank you, this helped me a lot.

  • @carlanthonydelosangeles7411
    @carlanthonydelosangeles7411 ปีที่แล้ว

    Welcome back!

    • @NicoleAlbaYT
      @NicoleAlbaYT  ปีที่แล้ว

      Hahah hello ulit Carl!!! 😄💙✨

  • @JA-mr5vl
    @JA-mr5vl ปีที่แล้ว

    So helpful.

  • @divine-z1j
    @divine-z1j ปีที่แล้ว

    Thanks for the video.

  • @jobsdez
    @jobsdez 5 หลายเดือนก่อน

    Subscribed ❤

  • @serjan5723
    @serjan5723 ปีที่แล้ว

    Nice 5/5. Thank you for this.

  • @lykabulosan73
    @lykabulosan73 ปีที่แล้ว

    Welcome baccccck! Namiss ko videos mo maam nicole! 🍞

    • @NicoleAlbaYT
      @NicoleAlbaYT  ปีที่แล้ว

      WOOOP WOOOP aw thank you Lyka!! 🙌🍞✨

  • @in10s84
    @in10s84 ปีที่แล้ว

    Hi ate! I recommend you should create a short form content if wala pa kasi sobrang ganda ng mga tips, advices and teachings mo!

  • @kuyamarjun4781
    @kuyamarjun4781 ปีที่แล้ว

    Yown thanks agad ❤

    • @NicoleAlbaYT
      @NicoleAlbaYT  ปีที่แล้ว

      UY NICE first comment!! Haha here’s your digital BreadFam award 🍞😆🏆✨

  • @angelofreud3843
    @angelofreud3843 ปีที่แล้ว

    Its very clear! Thank You Nicole.

  • @saltpepper2556
    @saltpepper2556 ปีที่แล้ว

    This info helps me a lot.Thanks.

  • @jimmymunozidolofficial6610
    @jimmymunozidolofficial6610 ปีที่แล้ว

    This trhilles me even better...
    LET The Money works for you!
    High RISK High REWARD Hello Invest
    Savings
    ACT NOW.....
    Thank you @Nicole Alba❤😂🎉😊

  • @irenielmoko
    @irenielmoko ปีที่แล้ว

    Downloaded GoTyme! Happy Saving!

  • @WhyNot.whatnot
    @WhyNot.whatnot ปีที่แล้ว +2

    Thanks for sharing, for someone who is old(age) like me but not very financially literate; could you enlighten me more about how can one build his/her emergency fund? I love how you organize your content it is clear and yah beginner bobo friendly LOL

  • @fellowbuffellow
    @fellowbuffellow ปีที่แล้ว

    Ayo bro this is elite advice, greetings from South Africa :D

  • @yvanregesconde
    @yvanregesconde ปีที่แล้ว

    Thanks for sharing us you ideas regarding savings...god bless

  • @ADJ161996
    @ADJ161996 ปีที่แล้ว

    Just in time. Looking for a new digital bank for savings. Thanks!

  • @macrigelgellego2320
    @macrigelgellego2320 ปีที่แล้ว +1

    Started saving again tapos ito new vid!! Thank you, Ate Nicole!! More power, bless u

    • @NicoleAlbaYT
      @NicoleAlbaYT  ปีที่แล้ว +1

      Sakto timing!! Hopefully you’re making good progress sa pag-save 💰🍞💰

  • @Ralph-qr3wt
    @Ralph-qr3wt ปีที่แล้ว

    Kaka invest nyu di nyuna napansin na ang ganda ni ate❤

  • @AmirChristopher
    @AmirChristopher ปีที่แล้ว

    yeyyy new videooo, thank you for this😊

  • @tristanjohncastromora
    @tristanjohncastromora ปีที่แล้ว

    Thank you❤❤❤

  • @clydeeconcepcion486
    @clydeeconcepcion486 ปีที่แล้ว

    Yes!

  • @johnrey8222
    @johnrey8222 ปีที่แล้ว

    notif squad lezgooo, finally a new vid

    • @NicoleAlbaYT
      @NicoleAlbaYT  ปีที่แล้ว +1

      LEZGO BREADFAM NOTIF SQUAD!! New notif after 2 months haha 😁🍞✨

  • @roselleparagas334
    @roselleparagas334 ปีที่แล้ว

    Miss this kind of your video Nicole ❤ I started saving coz if you last 2021 hehe

  • @SaynAlbaBuahe
    @SaynAlbaBuahe ปีที่แล้ว

    Badly wanna learn about savings😤

  • @palakangorange
    @palakangorange ปีที่แล้ว

    You're so articulate talaga, Nicole. Galing galing! Great leader ka rin for sure. Thank you for another great video 😊😊😊

  • @fellowbuffellow
    @fellowbuffellow ปีที่แล้ว

    0:01 "Mwahaha" to Savings.
    I'm dying 🤣🤣

  • @katrynaramos428
    @katrynaramos428 ปีที่แล้ว

    Hi Ms. Nicole, do you have video more about gotyme bank? Thanks in advance.

  • @maticklolo
    @maticklolo ปีที่แล้ว

    thank you for the advices, para siyang "savings for dummies 1001" hahaha pero legit thank you. sana for the next video,, update mo po yung video mo sa gcash since it has some new features :D thanks!!

  • @c.r.8845
    @c.r.8845 2 หลายเดือนก่อน

    Hi Nicole, I hope you get to see this and provide your own insight, but one thing I'd like to know is how to keep yourself from spending your savings? The thing is, I have always set aside money for savings, but then there's always something that needs to be paid off (i.e. nagkasakit family member and you need to provide, may nasira na house equipment, a sibling needs extra money for school-related expense na di mo na foresee, etc.) And it's so frustrtaing feeling like my savings never grows and keeps being depleted back to zero because of this. I'd love to hear your thoughts on this.

  • @blackredgaming205
    @blackredgaming205 4 หลายเดือนก่อน

    Nice video, May I ask what is an opportunity fund?. I do know what an Emergency fund, but this is the first time I am hearing about an opportunity fund

  • @jayesy6262
    @jayesy6262 ปีที่แล้ว

    Yey! New vid! ❤

    • @NicoleAlbaYT
      @NicoleAlbaYT  ปีที่แล้ว

      Sobrang tagal ng last upload sorry po HAHAH 😅✌️

  • @nikuletq3299
    @nikuletq3299 ปีที่แล้ว +6

    Can someone please compare and contrast benefits and other features when using GoTyme and Maya? Thank you! I'm a graduating student ^_^ Still can't choose where to save my money that is worth it.

  • @asiyahlahugvlogs7464
    @asiyahlahugvlogs7464 ปีที่แล้ว +1

    I must say, aside from the contents you're making, your video editing improved as well. Keep going ❤️

  • @Frklenton90
    @Frklenton90 ปีที่แล้ว

    God bless your videos are great I subscribe this.watching from Canada

  • @josephaleensalvador8211
    @josephaleensalvador8211 ปีที่แล้ว +8

    Hello, Nicole! Hoping for you to talk about the What, Why and How of INSURANCE soon. I'm currently paying for insurance right now, but I wanna understand more about how it works. Also, thank you for uploading these helpful videos!

  • @pinayinuk
    @pinayinuk ปีที่แล้ว

    very informative

  • @jhonyjandayan4711
    @jhonyjandayan4711 ปีที่แล้ว

    New subscriber here. Thank you for creating this kind of video, this is very helpful talaga

  • @melissahynson
    @melissahynson ปีที่แล้ว +109

    The correlation between Bitcoin's price rally and the latest inflation data, along with banking sector instability, is quite fascinating. It's interesting to see how the growing appeal of cryptocurrencies like Bitcoin, as an alternative asset during times of eroding confidence in traditional banking, has attracted retail investors. The permissionless and autonomous nature of cryptocurrencies offers a sense of safety and value in the ever-evolving world of finance. This context further highlights the significance of Florence Osborn's excellent trading strategy, which has enabled me to amass 32 btc in just three weeks. In the field of cryptocurrency trading, Florence has proven to be a true visionary.

    • @melissahynson
      @melissahynson ปีที่แล้ว

      @Florenceosborn

    • @bobclarkson-zn8nv
      @bobclarkson-zn8nv ปีที่แล้ว

      A million thanks to Mrs Osborn! With her insightful advice, she's turned my crypto hodlin into a vault of digital gold.

  • @roeldiaz2966
    @roeldiaz2966 ปีที่แล้ว

    Very nice..

  • @avcbisu
    @avcbisu ปีที่แล้ว

    question, nicole. i've noticed among my chinoy friends/acquaintances that money and wealth seem to be such a focus within their culture. why is that? was it something culturally engrained to you since you were a child and how so?

  • @genderswitch2121
    @genderswitch2121 ปีที่แล้ว +1

    Can you do Gstocks how to trade , buy and sell.

  • @massacretv4988
    @massacretv4988 ปีที่แล้ว

    Another sound channel :)

  • @Serenity0808
    @Serenity0808 ปีที่แล้ว

    Hi Ms. Nicole. May idea po ba kayo about REITS? pwd niyu po ba ma explain. i find your videos very straight forward. keep up the good work.Thank you

  • @angelofreud3843
    @angelofreud3843 ปีที่แล้ว

    Hi kamusta na sis nicole?. I just remembered your videos... I like watching your videos its very helpful.

    • @clarabella452
      @clarabella452 ปีที่แล้ว

      I will strongly advice you against self
      trading, it's really dangerous and had
      brought so many investors down, you need
      some one with the knowledge and
      strategies, someone dedicated to the
      crypto currency market buisness, and I will
      strongly recommend expert Mrs Anna

    • @clarabella452
      @clarabella452 ปีที่แล้ว

      @Incommore

  • @Qvernn8
    @Qvernn8 ปีที่แล้ว

    I found the part where you differentiated savings from investing really helpful, puts that clear line that I think would help me with organizing my finances more! Keep up the good work :)

  • @donmikkodanm.olmillo8154
    @donmikkodanm.olmillo8154 ปีที่แล้ว

    I would love to try GOTyme but there scanning on passport process is not working :((

  • @chocophye
    @chocophye ปีที่แล้ว +1

    Hi, Nicole! Hope you can also post a video on how to manage your savings and how to invest in the stock market 😊

  • @fellowbuffellow
    @fellowbuffellow ปีที่แล้ว

    Ayo your editing style you use is great for the monkey in my brain (monkey clapping with brass cymbals, representing my Gen Z attention span lol)
    Imma take some notes for my films, thx. Keep up the amazing work!! 👌😎

  • @ellebudgetsph
    @ellebudgetsph ปีที่แล้ว

    Hi Nicole, so informative video. What are your current investments now? If you don’t mind sharing.

  • @iambinosaur
    @iambinosaur ปีที่แล้ว +2

    I was just looking for this exact video. Love your content po ❤

    • @NicoleAlbaYT
      @NicoleAlbaYT  ปีที่แล้ว +1

      Good timing!! Haha hopefully useful yung na-share ko 😁🍞✨

  • @mich8279
    @mich8279 ปีที่แล้ว

    planning to properly save now and this is very helpful. thank you!

  • @marcaljoshbaldon4
    @marcaljoshbaldon4 ปีที่แล้ว

    nag upload na rin 🎉

    • @NicoleAlbaYT
      @NicoleAlbaYT  ปีที่แล้ว

      WOOP WOOP WOOP YEHEY hehe 😁🍞💙✨

  • @jennylyn0507
    @jennylyn0507 7 หลายเดือนก่อน

    @nicolealba ano Difference po ng visa credit at mastercard credit?

  • @nicolepajes8774
    @nicolepajes8774 ปีที่แล้ว

    Finallyyyy

  • @mio8008
    @mio8008 9 หลายเดือนก่อน

    late ko na nadiscover ang GoTyme. konting months ko lang naenjoy yung 5%. 4% na pang sya ngayon. mukhang road to 3% or lower pa down the road.

  • @rolandosantarinmuni
    @rolandosantarinmuni ปีที่แล้ว

    Congratulation nicole 15.2 m views 453k subcribers

  • @elainegonzaga158
    @elainegonzaga158 ปีที่แล้ว

    Can you teach us abt Real Estate Investment?

  • @eljablo22
    @eljablo22 ปีที่แล้ว

    Hiiiii early squad hihih

    • @NicoleAlbaYT
      @NicoleAlbaYT  ปีที่แล้ว

      YEEE WOOOP WOOP early BreadFam award for you 😆🍞🏆✨

  • @marklagundino908
    @marklagundino908 6 หลายเดือนก่อน

    eto dream wife ko marunong mag handle ng pera, hays ❤

  • @kliyow
    @kliyow ปีที่แล้ว

    thank you for thiiiis! more beginner bobo friendly contents pls T.T

  • @ExciVous
    @ExciVous ปีที่แล้ว +3

    You finally uploaded 🥹

  • @lucyakimoto1939
    @lucyakimoto1939 ปีที่แล้ว

    Hi Nicole, safe naman ba ang GoTym Bank Account? May ganyan na kase ako e di ko lang ginagamit. Wala bang naging bad news updates when it comes using a GoTym? Thanks

  • @janbesandreamo6749
    @janbesandreamo6749 9 หลายเดือนก่อน

    i missed you

  • @jungcokc6873
    @jungcokc6873 ปีที่แล้ว

    Thanks for this video. You gained a sub from me.

  • @alinskyjesusballecer4363
    @alinskyjesusballecer4363 ปีที่แล้ว

    Hi Ate! Good to be back watching again! 🥳

    • @NicoleAlbaYT
      @NicoleAlbaYT  ปีที่แล้ว +1

      Helllooooooo!! Yes haha 2 months walang upload 😅✌️

  • @haroldenriquez3320
    @haroldenriquez3320 ปีที่แล้ว

    I find your intellect so attractive, Nicole.

  • @jenniferpitas3782
    @jenniferpitas3782 ปีที่แล้ว

    So which one is better Maya bank or GoTyme kasi I watched another video of yours that you are also recommending Maya bank.

    • @NicoleAlbaYT
      @NicoleAlbaYT  ปีที่แล้ว

      I have both and I like them both! Maya has more features than GoTyme, but their base interest rate has gone down a bit. You can get up to 10% p.a. with Maya if you accomplish their missions, but GoTyme is flat 5% p.a. - u can’t go wrong with either platform naman

    • @helltrack876
      @helltrack876 ปีที่แล้ว

      ​@@NicoleAlbaYT hi nicole daily din ba interest ni gotyme same sa maya?

  • @greatlife6846
    @greatlife6846 ปีที่แล้ว +1

    Sana mag straight tagalog ka Nicole para di ako naghahabol! Hahaha! But thank U though for dis bright idea.

  • @cassiecassie15
    @cassiecassie15 ปีที่แล้ว

    Ate! Ano po masasabi ninyo sa VUL? Okay po ba siya para sa aming mga hindi naman po masyadong makapagipon?