One of the most common questions I get from readers is this: 👉 “Should I quit my job and start a business?” It’s a tempting thought, especially when your 9-to-5 feels limiting or when you dream of financial freedom. But in reality, the answer isn’t as simple as “yes” or “no.” I’ve received countless messages

If you’re thinking about growing your money through investing, mutual funds are often one of the most recommended starting points. They’re beginner-friendly, professionally managed, and accessible even to regular Filipinos who don’t have millions to invest. In the Philippines, mutual funds are regulated by the Securities and Exchange Commission (SEC), and many of them are

When people talk about bank accounts, savings and time deposits are usually the first things that come to mind. These are the accounts most Filipinos open first—for building an emergency fund, saving for a goal, or simply keeping money safe. Checking accounts, on the other hand, often don’t get as much attention. Many even think

Have you been thinking about investing but don’t know where to start? Maybe you’ve heard of mutual funds but aren’t sure how they work. Don’t worry—you’re not alone. Many beginners find mutual funds a great starting point because they’re simple, affordable, and managed by professionals. But before you put your hard-earned money into one, it’s

Many people dream of quitting their jobs to start a business, imagining that financial freedom and happiness will naturally follow. The stories of self-made entrepreneurs who built empires from scratch inspire us. And yes, these success stories are real. But the truth is—business doesn’t always go the way we expect. Sometimes, even after years of

This is one of the most common money questions I get from clients and friends alike: 👉 “If I’m drowning in debt, should I still bother saving?” At first glance, the logical answer might seem obvious. Why would anyone save money while paying expensive debt, especially when credit cards or loans charge high interest rates?