Despite being more financially aware and starting to save earlier than previous generations, many Filipino Gen Zs doubt if they can ever retire comfortably. The rising cost of living, unstable income sources, and a culture of instant gratification are making it harder for this generation to plan long term.

For many, the idea of retiring at 60 — or even 65 — seems unrealistic. That’s why side hustles have become part of the new normal. They’re no longer just “extra income” — they’re essential to survive and, hopefully, to thrive.

Key Takeaways:

• Many Gen Z Filipinos believe they’ll need to keep working, even past retirement age.
• A growing number have side hustles — and plan to keep them long-term.
• The uncertainty of the future drives many to hustle harder, but what they need most is financial stewardship.

Who Is Gen Z in the Philippines?

Generation Z includes those born between 1997 and 2012 — today’s teens and young adults, aged 13 to 28. They’re the most digital-savvy generation in history. They grew up with the internet, social media, and e-wallets.

Many of them are:

• Freelancers
• Online sellers
• Creators and influencers
• Working students or first-time earners

They are eager to learn and grow, but also carrying anxiety about their financial future — often juggling multiple responsibilities and unsure how to plan for the long term.

Why Side Hustles Matter

Let’s be honest: for most Gen Zs, isang trabaho hindi sapat. Side hustles help:

• Pay tuition or bills
• Support their family
• Fund small pleasures (coffee, gadgets, travel)
• Start savings or invest (if possible)

Some popular side hustles in the Philippines include:

• Online selling (Shopee, TikTok, IG)
• Freelance work (graphic design, writing, video editing)
• Content creation
• Tutoring
• Food and courier deliveries
• Direct selling and affiliate marketing

While side hustles may provide temporary relief, the bigger question remains:

Are we just hustling, or are we stewarding wisely?

From Hustling to Stewarding

Earning more is helpful — but if you don’t manage it well, it won’t go far.
True financial breakthrough isn’t just about income. It’s about faithful stewardship.

Luke 16:10 – “Whoever is faithful with little will be faithful with much.”

Biblical stewardship reminds us that money is not ours — it’s entrusted to us by God. We are called to manage it:

• With wisdom
• With purpose
• With discipline
• With generosity

Practical Steps for Filipino Gen Zs

1. Track Your Spending

Use simple tools — a notebook, a spreadsheet, or budgeting apps.

“You can’t steward what you don’t monitor.”

2. Live Below Your Means

Learn to say no to lifestyle pressures.
Proverbs 21:20 – “The wise store up choice food and olive oil, but fools gulp theirs down.”

3. Save Consistently, No Matter How Small

Start with whatever you can. The goal is habit, not amount.

4. Avoid Bad Debt

Credit cards and BNPL (Buy Now, Pay Later) may look attractive, but they can trap you if you’re not disciplined.

5. Plan for the Long-Term

Don’t just save for the next iPhone — save for your future family, business, or retirement.

6. Honor God Through Giving

Even with little, you can tithe and give — it forms your heart and builds trust in God’s provision.
2 Corinthians 9:7 – “God loves a cheerful giver.”

Stewardship Over Survival

Dear Gen Z, I admire your hustle. You’re resourceful, talented, and resilient.
But I want to challenge you — don’t just work hard. Be wise.

Hustling may help you survive today. But stewardship will help you build a better tomorrow.

Your future is not just shaped by how much you earn. It’s shaped by how faithfully you handle what you have — big or small. Time is on your side. Use it well.

Surround yourself with mentors. Read the Bible and get connected to a church community. Learn financial principles. And remember:

You are not alone — God is your Provider. Your role is to be a faithful steward.

Attention Overseas Filipinos in the UAE

Are you ready to take charge of your financial future and achieve your goals? Look no further than “Build Your Future UAE 2024” seminar, coming to Sharjah and Abu Dhabi. This seminar is not just another event – it’s a game-changer for anyone seeking financial freedom and building a better future.

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Tailored Advice for Overseas Filipinos: As Overseas Filipinos, your financial situation and goals may differ from those of others. Randell Tiongson understands these unique challenges and will provide tailored advice and solutions specifically designed to help you navigate the complexities of managing finances abroad.

Empowerment Through Knowledge: Knowledge is power, especially when it comes to finances. By attending this seminar, you’ll empower yourself with the knowledge and tools needed to make informed decisions about your money, secure your financial future, and achieve the lifestyle you desire for yourself and your loved ones.

Networking Opportunities: Connect with fellow Overseas Filipinos who share similar financial aspirations and challenges. Networking at this seminar provides an invaluable opportunity to exchange ideas, learn from others’ experiences, and even forge potential partnerships or collaborations that can further your financial goals.

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Build Your Future Sharjah will be on April 6, 2024 and will start at 6pm. To register, click HERE

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We are thrilled to extend a warm invitation to you for an extraordinary event that promises to empower and transform your financial journey – Money Talks Singapore 2024. This event brings together two renowned financial experts, Randell Tiongson and Jess Uy, to share invaluable insights and strategies that can significantly impact your financial well-being.

Living abroad comes with its unique set of challenges and opportunities, and Money Talks Singapore 2024 is tailored to address the specific needs of overseas Filipinos. Randell Tiongson, a seasoned financial planner, speaker, and advocate for financial literacy, will delve into practical approaches to managing your finances, making informed investment decisions, and securing a stable financial future.

Joining him is Jess Uy, a respected financial educator and entrepreneur, who will provide firsthand advice on navigating the complexities of financial planning while working abroad. Whether you are a seasoned professional or just starting your career in Singapore, Jess Uy’s expertise will guide you in making sound financial choices to achieve your goals.

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