By 35, Dapat May Emergency Fund Ka (Hindi Kotse) | PH Financial Reality Check скачать в хорошем качестве

By 35, Dapat May Emergency Fund Ka (Hindi Kotse) | PH Financial Reality Check

By 35, dapat may emergency fund ka — hindi kotse. Ito ang totoong PH financial reality check para sa mga 30–40 years old sa Pilipinas. Kung 35 ka na at mas inuuna mo ang car loan kaysa emergency fund, delikado ka sa financial crisis. Sa Pilipinas, maraming professionals ang may kotse pero walang 12-month survival fund. This video explains why building an emergency fund by 35 is more important than owning a car — especially in the Philippines. ________________________________________ ⏱ CHAPTERS 00:00 – The 35-Year-Old Financial Illusion 00:45 – Philippines Emergency Fund Crisis 02:34 – The Filipino Status Trap & Lifestyle Inflation 03:21 – COVID Job Loss & No Financial Runway 03:51 – Liquid Assets vs Car Loan Reality 06:49 – Car Depreciation vs Investment Compounding 07:25 – What You Should Have by 35 (Finance Checklist) 08:51 – Why Financial Truth Hurts at 35 09:14 – How to Catch Up Financially at 35 09:39 – Real Wealth = Financial Freedom ________________________________________ 📌 In This Video: • Bakit mas mahalaga ang emergency fund kaysa kotse • Paano gumawa ng 12-month survival fund • Car loan vs investing in the Philippines • Pag-IBIG MP2, index funds, conservative investments • Retirement planning sa Pilipinas • Financial runway by 35 • Increasing income trajectory • Avoiding lifestyle inflation Kung 30–40 ka at gusto mong ma-achieve ang financial freedom sa Pilipinas, this is your wake-up call. Real wealth is not what you drive. It’s how long you can survive without income. Control is freedom. ________________________________________ #EmergencyFundPH #FinancialFreedomPH #personalfinanceph #thebrowninvestor