For decades, Overseas Filipino Workers (OFWs) have been hailed as modern-day heroes. Their remittances—amounting to over USD 36 billion in 2023 (Bangko Sentral ng Pilipinas)—have kept the Philippine economy afloat during crises and have helped millions of Filipino families survive and even thrive. But while we celebrate their sacrifice and contributions, we also need to … Continue reading The Dangers of Overdependence on OFW Remittances
There was a time in my life when I thought the things I possessed were mine—my money, my assets, my achievements, my time, even my body. I worked hard, made sacrifices, hustled with all my strength, and in return, I thought I owned what I earned. But as I’ve grown in both age and in … Continue reading Possession Is Not Ownership: A Lesson in True Stewardship
One of the often-overlooked principles in personal finance is the importance of being proactive. We talk a lot about budgeting, saving, investing, and staying out of debt—but underlying all these disciplines is a mindset of preparation and responsibility. This is especially true for us Filipinos, who often face financial curveballs like sudden medical expenses, family … Continue reading The Principle of Being Proactive: Learning from a Fish and a Coin
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