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In this explosive follow-up with Chinkee Tan, Filipino financial coach, best-selling author, and OFW money mentor, we uncover the brutal truth behind why OFWs lose their hard-earned savings. From fake property deals and too-good-to-be-true investments to online gambling traps, family scams, and the real dangers of pre-selling condos, this episode exposes it all. But we don’t just list problems. You’ll learn real frameworks to protect your money, invest smart, and retire with dignity. Learn how to use bank loans to verify legit properties, why pre-selling units are riskier than they look, and how the 20-30-50 rule can quietly build real wealth. Plus, hear the wildest scam stories OFWs have faced and how to avoid becoming the next one. Download NALA here: https://join.iwantnala.com/JOHNDANG Use code JOHNDANG to get $20 back when you send $50. If you’re an OFW or love someone who is, this conversation could protect everything they’ve worked for. Chapters: 00:00 – It only takes one bad decision to lose everything 01:00 – Investment scams, real estate traps, and fake borrowers 04:00 – The 20-30-50 rule: how to build wealth with any income 06:00 – Download NALA here! 08:00 – The danger of pre-selling condos for OFWs 12:00 – Why banks are your safest real estate partner 16:00 – The “oversupply” myth and overpriced units 20:00 – Why OFWs are prime scam targets 24:00 – Gambling, remittance fees, and invisible money leaks 30:00 – Safer options: MP2, PERA, treasury bonds, e-banks 34:00 – How to join Chinkee’s free OFW education group and AI advice bot 📲 Follow me for more investing and freedom-focused content: Instagram: / johndang808 YouTube: / @johndang808 TikTok: / johndang808 LinkedIn: / johndang808 💬 Join our global investor & creator community on Discord: / discord