Are you working hard but still not seeing the wealth you hoped for?

It might not be about your effort or desire but about not having a solid set of financial principles guiding you.

In today’s episode, we’ll uncover the key wealth principles that can help you build a strong financial foundation.

We’ll differentiate between values and principles, why principles matter, and how to craft and apply your own set of principles to achieve lasting financial success.

🧠What You’ll Learn:

1. Understanding Principles vs. Values

2. Importance of Principles

3. Common Wealth Principles

4. Creating Your Own Principles

5. Overcoming Challenges

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 achi...

Living a meaningful life has nothing to do with how much money you make, and with the stuff you acquire.Minimalism has somewhat gained popularity over the last couple of years, with the help of Joshua Fields Millburn & Ryan Nicodemus AKA The Minimalists.This movement has gained popularity over the years because it has transformed the lives of so many people in so many ways!In my next episode, I’ll be joined by Ms. Shyrell Tamayo, the Creative Director and Founder of a boutique photography...

Filipinos love free stuff, even in getting financial advice.But is free advice really for free? If not, then how much does free advice cost?Also, why would you pay for a piece of financial advice if you can watch YouTube videos and a lot of Financial Advisors offer it for free?Here’s the thing….Consumers need to understand that Financial Advisers who offer free advice are intermediaries and are not doing charity. They are are compensated by financial companies via commissions. If they ar...

Financial Ignorance is expensive.Please allow me to expound.Did you know that if you invest $1,000 monthly for 30 years and make an 8% average annual return from your sensible stock portfolio, minus 1% per year for all investing costs, you’ll end up with $1,227,000? But paying just 1% extra in costs will lose you $218,000 of that! Unfortunately, most plans available will charge you a lot more.So if you want to make the most of your investment, you must keep those fees as low as possible....

It’s not your salary that’s going to make you rich, it’s your saving and investing habits.In my next episode, I’ll be joined by Aries Baloran. He is based in Italy where he started as a driver & helper, and now working as a gardener. But don’t be fooled because he is also a stock market trader & investor, an entrepreneur, a freelance graphic artist and web developer and a Financial Literacy Advocate!He shared an awesome tip on how you can encourage your partner to start investing...

Jumping from one job to another come in varying distances.Some feel lofty and risky.Some are difficult yet manageable.When considering whether or not to make a jump, there tend to be more convincing reasons to stop taking the risk. After all, the justified mind wouldn't trade the security and stability of the present moment for an unpredictable and rocky future.In this episode, my next guest will help us uncover the the rationality of taking the leap, discuss the proper mindset needed to make...

Does the way we value ourselves impact our capacity to earn more (or less)?Do you value yourself based on your paycheck or what you own?Or Self Worth before Net Worth ba muna?Well, let’s invite someone who has been advocating Self Worth since day one and who’s now living life in his own terms through vlogging!RTD is back! This time around we’ll be discussing the importance of knowing your worth, how you can begin your journey towards loving yourself, the common misconceptions about self worth...

“The best investment you can make is an investment in yourself.The more you learn, the more you’ll earn.”- A quote by Uncle Warren B.Whether you’re considering going to college or university, or you just want to expand your knowledge with a course – studying has many benefits. One of which is gaining the essential skills needed to be happier in your career, or even finally figuring out what job is actually right for you.In my next episode, I’ll be joined by Rene Paolo Isyasa. A 24-year old st...

Bakit pag pinag-uusapan ang ugali ng mga Pinoy tungkol sa pera, kadalasan eh yung hindi magandang traits ang napag uusapan?Ibahin natin ang usapan this time at sasamahan tayo nila Michael, JanJan, Mark at Karl. Sila ang mga kapatid natin na based sa Singapore na mas kilala sila as the Overseas Filipino Entrepreneurs!Sa episode na to with OFE, we’ll talk about the positive traits that we Filipinos are known for and how we can use these characteristics to build our wealth!Participate in my surv...

BUSINESS OWNERS & ASPIRING BUSINESS OWNERS LISTEN UP!One of the seven habits of highly effective people, as Stephen Covey said, is to begin with the end in mind. As successful entrepreneurs, we also have to think about the exit plan from the very beginning if when the time comes that we need to sell our business.But how?! Many business owners fall into the trap of overvaluating their business and most decide to sell their business when it’s already too late, usually, when they’re alr...

Warren Buffet is arguably the most famous investor on the planet, and his investing style is called "Value Investing".Old school 'tong si Uncle Warren, and in these modern times, with the advancement of technology and other investors who developed new ways of investing, meron pa bang sense i-apply ang kanyang technique?My next guest is Ms. Salve Duplito, she's a Registered Financial Planner, and one of the most respected financial journalists in the Philippines, co-host of On The Money, a per...

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.&nbs...

Whether you're a company owner or a professional who feels like it's time for a shift, making a change may be stressful and daunting. Change itself is scary enough. There's a lot of apprehension before trying something new, and when you add further questions about your future, growth opportunities, and risks/rewards, it's even more difficult.My next guest is Mr. Expat Entrepreneur himself, Francis Errol Medina. A former Head of Strategic Marketing and Business Improvement for Hilti Middl...

I think one of the greatest deficiencies of our generation is our obsession with showcasing our deficits.What if we focus more on enhancing our talents, gifts and strengths?Embracing our weaknesses and doubling down on our strengths allow us to capitalize on what we do well, and build on what we need help with (whether through getting better at our job or improving our Personal Finance).My first guest for 2021 is Coach Ron Magsalin. He is a former Overseas Filipino who worked in Emirates Airl...

Wouldn't it be cool to finally be someone other people look at and think, "Wow, ang galing mong humawak ng pera. Nakakabilib!"Do you still find yourself wishing for better money habits, but you just can't seem to change your everyday behavior?Good news! You can change your current behaviors entirely and become the person you always wanted to be!We are not inherently "good" or "bad" with money. However, over time, we have built good and bad habits around our finances, and this is what generall...

The world is the true classroom and evaluated experience is our best teacher.2020 has been a helluva experience for the most of usIn this episode let's evaluate the money lessons that we've all learned this year para mas mapaghandaan natin ang 2021!👋🏽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.

Canada is a top destination for many Overseas Filipinos.Bakit nga naman hinde eh Filipinos who migrate to Canada either as a Permanent Resident or as a citizen, have access to all of the country’s social programs tulad ng libreng health care, libreng pagpapaaral ng mga anak hanggang matapos ng highschool at marami pang iba!My next guest is Maricel Agustines, a Regulated Canadian Immigration Consultant (RCIC), member of Immigration Consultant of Canada Regulatory Council (ICCRC) and Canadian A...

Whether you’re looking for an investment opportunity or just a place to live, there are some very important variables about buying a home that your real estate agent may not be telling you (or forgot to tell you).👋🏽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.

Alam mo ba na the majority of the world’s richest people, whose combined fortunes have reached more than $2.3 trillion, are degree holders and started their career in sales, according to a study by Forbes? In this world, you're either selling or being sold to. Either way, you have to choose a side. If you seek to understand sales, the highest-paying profession, you will become a millionaire. In my next episode, I'll be joined by Jonathan Petalver-- the Founder and CEO/Presid...

Maliban sa Wills, ang Trusts ay isa ring magandang paraan para ma-distribute ang ating mga ari-arian the moment na matapos na natin ang ating misyon sa buhay.In this episode, I interviewed Coach PJ Roman. He is the Head of Business Development for AB Capital and Investments Corporation where they manage over 20 Billion Php in funds. Also he has 12 years in the Trust Industry, and a fellow Yaman Coach sa Personal Finance Adviser's (PFA).👋🏽Download the Intentional Spending Plan here! Visit http...

Now more than ever, many have realized the importance of having a Life Insurance policy in place.As Financial Planners, we can determine the time when you'll be out of debt or if you're ready to retire but one thing we can never tell is the time when you'll acquire a life-threatening disease or die.In my next episode, I'll be joined by Michael Pe. He is the FIRST foreigner pass holder to obtain a leadership role in the entire insurance industry in Singapore, a 3-time MDRT qualifier, an entrep...

Naalala ko noong 2015 nung nagsisimula pa lang akong mag-invest. Wala akong matanungan or malapitan sa circle ko kasi wala namang may alam about stocks or mutual funds! Ang alam lang namin noon na investments eh sapatos!Good thing social media groups were emerging back then at napadaan ako sa The Global Filipino Investors FB Group where discussions about investments and business were openly discussed by Filipinos.The group's founder, Floi Wycoco, was a former OF in Singapore. He's also known ...

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.

I'm always fascinated by how few people accomplish remarkable feats. What I'm also curious about is if they view wealth and success differently from the average individual.Overseas Wealthy Filipinos is a segment that aims to deconstruct the lives of overseas Filipino achievers from various areas (business, sales, marketing, arts, engineering, architecture, sports, etc.) to discover their purpose, perspectives, principles and practices that we can replicate. This includes their time management...

The process of starting a business in the UAE involves several steps that can be difficult for a new entity to understand the process of setting up a business.Wondering how to get started?Edwin Duria, Managing Director of Play Middle East Business Consultancy FZE, has helped companies through the business set-up process in this part of the world. His venture has supported over 250 high profile clients including Samsung and Pearson Education and has earned partnerships with both regional ...

Bago sumakabilang wallet ang sweldo natin ngayong darating na undas, kwentuhan muna tayo ng mga nakakatakot na PERAnormal stories that I have seen and heard in my experience as a Financial Planner. I-share ko na rin ang ilan sa mga naka-engkwentro ko nung mga panahong wala pa akong idea about personal finance. Let's turn these stories to important financial lessons kasi life is too short to experience all the mistakes ourselves! Matuto rin tayo sa iba beshh!👋🏽Download the Intentiona...

How do you know that you're TRULY wealthy? Is it the amount of money in your bank? The assets you own? The number of friends you have? My next guest is Dr. Rex Bacarra, a highly-respected educator, a community leader, a philosopher, and a monk in his younger years. He is an inspiration not just to me but to many Filipinos and other expats living here in the UAE.In this episode, Doc Rex will share his wisdom of what it means to live a wealthy life.👋🏽Download the Intentional Spending Plan ...

If you’re interested in putting up your own business but don’t have any idea where to begin, Franchising can be a good option for you.In my next episode, I’ll be joined by a man of many hats! In addition to being a celebrity in the 90’s, RJ Ledesma has done so many things such as hosting, writing a book, being a columnist, being a consul for Monaco in the Philippines and being an owner of so many businesses, one of which is EasyFranchise - a tech startup company that helps OF’s in looking for...

One reason many people don’t become entrepreneurs is that they just don’t know where to begin. What we often forget is that the most successful entrepreneurs in the world all started the same way! They didn’t know what the first step was or what they had to do, but they all managed to take it and become the amazing success stories they are today.Jon Edward Santillan is the founder of Denarii Cash, the UAE's most cost-effective remittance app offering high exchange rates that helped ...

Should you buy a Condo, a Town House, or a House & Lot?Housing choices are abundant, leaving many first-time homebuyers wondering which type of residence to buy. Each style of dwelling has its pros and cons. So tonight, we'll be discussing the things that you should consider in buying your first home.---As part of providing informative content about Responsible Real Estate Investing, Mr. E & I will have a regular program every first and third Wednesday of the month to tackle the most ...

“Our prosperity as a nation depends upon the personal financial prosperity of each of us as individuals.”- George Clason, Author of The Richest Man in BabylonWhat makes other nations flourish financially?Is it the location? The government? Its people? Or its financial culture?Let's learn from my next guest, Nathan McFarlane! He'll share with us about what it's like in the UK and how most of its citizens deal with money.He's passionate about improving financial services in the UAE and as the F...

Misinformed or confused first-time buyers fall prey to sales agents who are just there to sell you that property!If you are planning to buy your first home or property investment, make sure you don’t miss our 2nd episode of Real Talk On Real Estate!!--As part of providing informative content about Responsible Real Estate Investing, Mr. E & I will have a regular program every first and third Wednesday of the month to tackle the most common issues that every property investor face.👋🏽Downloa...

As part of providing informative content about Responsible Real Estate Investing, Mr. E & I will have a regular program every first and third Wednesday of the month to tackle the most common issues that every property investor face.For the Pilot Episode of our Real Talk On Real Estate, we'll talk about the common condominium dues that you have to be aware of!Responsible Real Estate Investing with Mr. E & Ayala Land!👋🏽Download the Intentional Spending Plan here! Visit http://jayadriant...

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...

Many expats face huge financial crises when they get slapped by a lawsuit! Ignorance of the law excuses no one, and these costly mistakes can be prevented only if we are equipped with the proper information. There are some who don’t even know their rights as an expat.My next guest is Atty. Barney Almazar. He probably is the only Filipino lawyer that I know in the UAE. 😅He has been providing legal assistance to Philippine missions in Dubai and Abu Dhabi, assisting distressed Filipinos for the ...

Real Estate investing has been a hot topic since the beginning of the pandemic. Property prices have gone down and banks have been generous in lowering their mortgage rates. What a perfect time to buy your new home! Or is it?Wag magpadala sa HYPE! Pakinggan mo muna ang next episode about real estate investing with my guest!Enrique Yamzon, also known as Mr. E, has over a decade of experience working in high-level positions within the regional and international real estate sector, driving ...

Podcast International is a passion project by content creators Jeric Defante, Kristine Tara Fuentes-Defante. Jay Tolentino, Darbs Kim, Ion Gonzaga and Filipino Communicators Collective co-founder Nicholo Jallores.Creating content is a necessary skill if you want to stay relevant these days, and with the increasing number of people consuming audio content, podcasting can be a good platform to send your message across.This episode does not mainly talk about money (well, touched on monetization ...

Do you sometimes feel that you are losing opportunities in life because you think that others took it away from you?Let me tell you this - there is enough for everyone.Allan Calumpang turned his back on his chemical engineering career to pursue his passion for personal money management. He's a certified member of the UK Chartered Insurance Institute, a Certified Financial Education Instructor in the U.S., and a Certified NLP Coach & Practitioner.Allan has devoted thousands of hours to one...

Got a chance to be interviewed by Bob Quilapio AKA Bob Kebab in his program, The 4th Project.There we talked about me coming to Dubai just to follow my ex, how I moved on, my failures in my finances, law of association, how to change a mindset and how I basically view life.Huge shoutout kina Direk Lloyd Luna and Apple Manansala for letting me share this content sa aking podcast. They are the leaders of TNC aka The new channel which is a daily live streaming platform and content creator of ins...

How do you overcome a 647 AED (8.5 MILLION PESOS) worth of debt?! Mukhang may forever..... sa utang! But don't lose hope! Our guest this Friday, is Ms. Jessie Quintilla, a passionate HR leader in the Filipino Community in Dubai, the Co-Founder of Entrepinoy FZE and PentaGlobal HR Solutions.Her debt story is truly inspiring and she will open up what lead to that insurmountable problem and on how she tackled each of her debts down to zero!Kung lubog ka sa utang, magagawan mo yan ng paraan!...

Many of us probably don't understand how banks work. Other than putting our savings, there are other things that we need to know like the difference of current vs savings accounts, how credit cards work, debt to burden ratio and many more BASIC stuff about banking.Well, have no fear! John Sherwin Chua is here! He's a seasoned banker with more than a decade of experience in the banking industry. He'll share with us the common issues faced by many people with banks and how we can effectively ad...

Humans are more emotional than rational.We buy things not only because we think we need it but because we FEEL the need to buy it! We buy mainly on our emotions and justify with logic.Take a look back at your recent purchases. Have you noticed that most of those occurred when you were at the peak of your excitement or at the deepest of your sorrows?In our next episode, we'll be joined by Dr. Rommel Pilapil Sergio, a renowned professor and psychologist in the UAE. He will help us understand th...

Are you a saver or a miser? What’s the borderline between frugality and being stingy?Is being called Kuripot a bad thing or is it the new thing during this pandemic?My next guest is Rod Fernandez, a Certified Kuripot. He’ll teach us why being Kuripot is the coolest thing you can do with your money!👋🏽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 sched...

Can Overseas Filipinos invest while working abroad? Definitely yes!However, our chosen investment vehicles require the right strategies in order for us to achieve the desirable results.Pablo Santos Jr is part of KD Agriventure, a Dragon Fruit farm in the Philippines that he co-founded while he works in one of the top companies here in the UAE.👋🏽Download the Intentional Spending Plan here! Visit http://jayadriantolentino.com/ today!---👋🏻 Connect with Kuya Jay on social media. Ask question...

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 in...

Can you really buy happiness? Experts say that you can…well, to a certain extent and amount. In my younger years, I was one of those dudes who bought stuff just to fill that void until I got caught up in the endless pursuit of acquiring things just to feel happy.During my time as a sneaker head, Antonio Aguirre Jr. was definitely the person who everyone admired in the sneaker scene. Known as Mr. Sole Slam, he revitalized the sneaker culture in the Philippines when he launched Sole Slam M...

A research shows that genetics accounts for one-third of financial behavior, however, the researchers found that upbringing is an important factor in the investment behavior of young people but that its effect is replaced over time by the accumulated life experiences of the individual.In our next Finance Fridays, I will be joined by Ben Lebig Jr, an accomplished Global Finance Professional with more than 19 years Finance and related experience on various industries.Being an OFW for more than ...

Certain things just don’t mix well like red wine and vodka. The same goes for your finances.Business owners intertwine business and personal finances all too often. After all, you are your business, but blending up the two will mean a mess at tax time.Fitz Villafuerte is the man behind the popular financial blog, Ready To Be Rich. It started in 2007 which aims to help Filipinos achieve financial independence and live life in their own terms. When I started my journey, his blog was where I usu...

The Philippines has experienced two major Financial Crises before this COVID Pandemic happened - ’97 Asian Financial Crisis and ’08 Global Financial Crisis, and in every adversity, we Filipinos have shown resiliency.In our next episode, we’ll have a quick throwback with Coach Efren Llamas Cruz. He is a mentor not just to me but to a lot of Financial Planners as well. He is a registered financial planner of RFP Philippines, seasoned investment adviser, bestselling author of personal finance bo...