Pera & Purpose Podcast

Picture this: you're eyeing the latest iPhone, shiny and alluring, priced at AED 5,500. It's tempting, right? But hold on a second. Twenty years down the line, that sleek gadget will be nothing more than a relic, while if you were to invest that same amount in a low-cost, globally diverse index fund, it could potentially grow to over AED 21,000! Life is a series of choices, each one coming with its own set of trade-offs, known as opportunity costs. And understanding this principle is not just crucial for investing, but for every aspect of your financial journey. In today's episode, we're going to unpack why opportunity costs matter and how you can use them to shape your financial future. -- - Buying Decision Guide - Take the Global Investing Survey --- 👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.

Managing money can feel like navigating a maze without a map. This confusion often leads to stress and poor financial decisions, as people grasp at any advice or product they come across. They might save money aimlessly or buy insurance they don't fully understand, influenced by ads or friends' advice. This approach lacks strategy and clarity, leading to missed opportunities and a future filled with financial uncertainty. By being intentional and informed, you can make decisions that align with your long-term financial well-being. A strategic approach to managing your finances is the key to unlocking a future of financial security and peace of mind. I'm here to tell you that there's a better way to handle your financial priorities. -- Exciting news! For the very first time, I'm revealing the tool that's been key to my clients' financial success. Imagine crafting your own foolproof financial plan, effortlessly and independently. That's the power of the Financial Road Map tool I've created. Why join the Financial Roadmap Beta Program? Only 25 spots are open.This is your chance to be at the forefront of financial self-sufficiency. Join the beta program now and start building your future, your way. 👉🏽Sign up here! --- 👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.

Are you tired of budgeting methods that leave you more frustrated than financially savvy? You're not alone. Many find traditional budgeting a puzzle that's hard to solve, with strict rules that don't fit real life. Today, we're breaking down why these methods fail and how they're actually holding you back. We'll introduce a new perspective on budgeting, With simple, actionable steps, we'll guide you on how to create a budget that's not only realistic and flexible but also a powerful tool for achieving your financial dreams. Get ready to change how you view and manage your money, making your budget work for you, not against you. Let's dive into creating a budget that's a roadmap to your dreams, starting now. -- Download the Intentional Spending Plan for FREE! --- 👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.

In today's episode, we focus on a crucial but often overlooked aspect of financial health - breaking detrimental money habits. As we venture into this year, it's time to shed those financial behaviors that hold us back from achieving our full potential. We'll dive deep into identifying these habits, understanding their impact, and exploring effective strategies to break free from them. Join me as we embark on this transformative journey to financial freedom and empowerment. --- 👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.

In your quest for financial freedom, you may find yourself trapped in a cycle of endless desires. This cycle often starts small, perhaps with a desire for the latest smartphone or a luxury car. But soon, these desires can inflate your lifestyle, leading to a situation where you're living paycheck to paycheck, despite a good income. --- 👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.

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 places. Reflecting on the year, I unveil the theme for the next chapter: "Bolder." Get ready for a not-so-usual episode that's as real as it gets. Watch it on YT: https://youtu.be/gk-iqiZ1WCg --- 👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.

You're really keen on getting into investments, aren't you? I sense a strong interest and enthusiasm in you about this vital topic. Here's What You're Going to Discover - What investing is - The four primary types: cash, fixed-income, equity, and alternative investments. Each type comes with its own set of risks and potential rewards. - How economic movements can impact your investments. It's important to be clear about your investment goals, how much risk you're comfortable with, and your investment timeline before you start. Ready to get into it? Let's cut to the chase and make it straightforward. 👋🏽Download the Intentional Spending Plan here! --- 👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.

In this special episode, we dive into a topic close to our hearts, one that was sparked by a request from a valued member of our community. This isn't just about the mechanics of money management; it's an exploration of the foundational wisdom that underpins lasting financial success. Why? Because the right foundation is everything. Just as a house built on sand is vulnerable, a financial roadmap without a solid base of wisdom is prone to collapse under pressure. What You’ll Learn: 👋🏽Download the Intentional Spending Plan here! Visit http://jayadriantolentino.com/ today! --- 👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.

Ever wondered kung paano ka kikita ng bonggang-bongga, i-level up ang iyong budgeting skills, at wiser sa iyong investments gamit ang AI. I’m talking about Artificial Intelligence, or AI, at paano ito magiging game-changer sa iyong financial life! "AI? 'Di ba pang techie or big companies lang 'yan?" Saka parang ang complicated na topic, hahaluan mo pa ng personal finance! Nope, mali kayo d'yan! This episode will break that stereotype. Kahit saan ka man sa mundo, especially sa mga kababayan natin dito sa UAE, this is something you can't afford to miss. I-share ko ang mga real-life tips kung paano ko nagamit ang AI this year sa mga side hustles ko, paano kami nakakapag track ng expenses in less than 3 minutes at paano mag analyze ng mga investments. What You'll Learn: Resources Mentioned: - Get the AI Prompts here - Crunch App (UAE Only) download here - Wally GPT download here - ChatGPT - Perplexity AI - Powerdrill AI 👋🏽Download the Intentional Spending Plan here! --- 👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.

Akala natin, pag sinabing luxury, kailangan laging malaki ang gastos. Branded na damit, magarang kotse, laging kumakain sa labas. Glamorous sa tingin pero in reality, nakaka-stress 'pag nakikita mo ang bank statement mo, 'di ba? Marami akong naririnig na kwento from OFWs dito sa UAE na nahuhulog sa trap na 'to. Ang ending? Utang here, utang there, utang everywhere. Pero guess what? May mas better na way. Oo, tama 'yung narinig mo: pwedeng mag-luxury na hindi kailangang magastos. And I call it “Frugal Luxury”. 🧠 What You’ll Learn: 👋🏽Download the Intentional Spending Plan here! --- 👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.

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, marami pa rin akong nakakausap who are not fully in control of their finances. They rely on their relatives, spouse, friend, financial advisor, real estate agents, and other professionals to make financial decisions and manage their money. Yan ang ita-tackle natin today as we discuss the True Cost of Relying On Others What You'll Learn: 👋🏽Download the Intentional Spending Plan here! --- 👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.

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 sinabi ko. So today, we’ll talk about the things I Wish School Taught Me About Money 🧠What You'll Learn: - Teaching kids the purpose of money - The importance of Self-Awareness at a young age - How advertisements, peer pressure and comparison distract kids - The 4 Important Core Values that influence the child's attitude towards money - Why I believe that we should teach the Value of Time at a young age 📖Verse: Proverbs 22:6 "Train up a child in the way he should go; even when he is old he will not depart from it." 👋🏽Download the Intentional Spending Plan here! --- 👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.

Today, we're diving deep into a topic that's dear to my heart—Investing. Sa panahon ngayon, nakakatempt mag-invest sa dami ng mga nagsusulputang investments, strategies and ways to get rich faster. Pero do you really know what you're getting into? I've been there—nag-invest without proper understanding, guided only by the excitement and dreams of quick riches. Ang resulta? Napakalaking financial setback. Sayang ang oras, pagod at pera, diba? I wish someone had shared with me the essential things to consider before diving into investing. So now, I'm sharing them with you. Pramis, this will save you MILLIONS! 🧠What You'll Learn: 3:44 How I Got Into Investing 6:55 The Dunning Kruger Effect 7:54 Purpose: Your WHY in Investing 11:19 Risk Tolerance & Risk Capacity: Balance Between Desire and Safety 16:20 Time Horizon: Aligning Investments with Goals 20:07 Investment Vehicle: Know What You're Getting Into 20:49 Risk & Returns 21:59 Lock Up Period 22:42 Fees 28:29 Safety Nets 29:29 Why Emergency Fund Matters 31:06 Why OFW's should not buy insurance in the Philippines 34:43 Recap 37:25 Key Lessons 40:47 Today's Verse: Proverbs 21:5 👋🏽Download the Intentional Spending Plan here! Visit http://jayadriantolentino.com/ today! --- 👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.

We've all been there; even the brightest minds can sometimes make financial choices na talagang mapapakamot ka na lang ng ulo. But don't be too hard on yourself. It's a common, human error. In this episode, we'll uncover the triggers and hidden biases that explain why smart people sometimes make stupid investment decisions. 🧠 What You’ll Learn: 👋🏽Download the Intentional Spending Plan here! Visit http://jayadriantolentino.com/ today! --- 👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.

Money is a tool that can be used for God’s purposes. This episode is not just for those struggling with money issues but for anyone looking to refine their relationship with wealth and to discover a more fulfilling, God-centered approach to personal finance. Join me in exploring how our financial choices can serve not just ourselves, but also our community, and ultimately, God's kingdom. It's not about the money itself - it's about finding God's purpose for it in your life. This episode could very well be the start of your transformative journey in faithful finance. 🧠 What You’ll Learn: Link to the slides: https://docs.google.com/presentation/d/1sI5QFdE1oLp9_8l1ZEHXP_fVt1T809_4/edit?usp=sharing&ouid=115824648556419114337&rtpof=true&sd=true 👋🏽Download the Intentional Spending Plan here! Visit http://jayadriantolentino.com/ today! --- 👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.

Have you ever heard the saying, 'You only need to get rich once'? It's a simple but powerful idea. Once you've saved a good amount of money, the most important thing is to keep it safe. Of course, it's good to keep looking for ways to make your money grow. Whether you're investing, handling a business, or even just saving your money, there's always a degree of risk involved. But let's be clear about one thing: no risk that can wipe you out is ever worth taking. At yan ang pag-uusapan natin sa episode na ‘to! What you’ll learn: 👋🏽Download the Intentional Spending Plan here! --- 👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.

In this episode, we're diving deep into the world of financial 'rules of thumb.' These are simple guidelines that can serve as your compass in navigating your journey towards financial independence. Whether you're grappling with how much to save from your income, how to manage your debt, or wondering about the right insurance coverage, we've got you covered! These insights will be straightforward, practical, and easy to understand, no matter where in the world you're working or living. Disclaimer: Remember that everyone's situation is unique. These rules of thumb are not one-size-fits-all answers, but they can provide a good starting point. What You'll Learn: Discussion on various categories of financial rules of thumb: 📺 Watch it on YouTube: https://youtu.be/UBTHPla3UhQ 👋🏽Download the Intentional Spending Plan here! --- 👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.

When it comes to money, what does 'enough' mean to you? It's a question that can prompt a variety of answers. For some, it might mean being able to afford all the needs and wants. For others, it might mean feeling secure about the future. But the truth is, understanding 'enough' is crucial to achieving financial contentment. So how much is ever enough Kuya Jay?? Yan ang pag-uusapan natin today! 🧠What You’ll Learn: 👋🏽Download the Intentional Spending Plan here! --- 👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.

Does the idea of creating a business, that serves people, makes their lives better, and earns you good money, excite you? Well, if that sounds like a “Perfect Business”, then don’t miss this episode! Our guest is Mr. Dodong Cacanando, the owner of Moriah Farms Inc in the Philippines. He is a businessman, farmer, author, and inspirational speaker, who left his executive role at Hewlett-Packard Philippines in 1998 to establish Moriah Farms, where he cultivates livestock and vegetables. Beyond his farming success, he has dedicated himself to enlighten others on the principles of business through his foundation, Semilya Sa Kinabuhi, utilizing the Bible as a business manual and the plant as a model. His unique journey from corporate life to farming, his love for entrepreneurship and his devotion to helping others create a better future, make him a truly inspiring figure. 🧠 What you'll learn: 📺 Watch On YouTube: https://youtu.be/lGIBFyKX-Xw Connect with Sir Dodong www.dodongcacanando.comhttps://www.facebook.com/dodongcacanandohttps://www.youtube.com/c/DodongCacanandohttps://open.spotify.com/show/6q3Z7hvOneX8Q2X0myFbuU👋🏽Download the Intentional Spending Plan here! --- 👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.

Ever wondered what it takes to truly build wealth? Tune in to our latest podcast episode where we dive into the wisdom of Ramit Sethi's eye-opening Netflix documentary, 'How to Get Rich'. Ramit is the author of the New Yor Times Best Selling Book, ‘I Will Teach You To Be Rich’ and has been in empowering individuals to be in charge of their finances for over 20 years now! We'll explore essential financial lessons, from facing your money woes head-on and understanding the real cost advisory fees, to the deceptive allure of get-rich-quick schemes. We'll also tackle the buying vs. renting debate and discuss the importance of defining your own 'rich life'. Chapters: (00:00) Introduction (05:11) Face Your Financial Problems (08:34) Communicate with Your Spouse (11:56) Never pay for % when speaking to a financial planner (14:06) Avoid get rich quick schemes (18:35) Detach from your material possessions (20:52) Run your numbers (23:13) Make a conscious spending plan (24:15) Buying vs renting (27:20) Know what your "Rich Life" is 👋🏽Download the Intentional Spending Plan here! --- 👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.