Your business is not your retirement plan
For owners whose net worth, income and exit strategy are all the same thing
Read this one →grab a coffee, this one’s a read ♡
The journal
Notes on money, protection and the things we all quietly worry about. No jargon, no scare tactics, nothing you need to sign up for. Read one, take what’s useful, ignore the rest.
How to read the policy you already own
For anyone with a policy in a drawer they've never opened
Read this one →The money talk you keep almost having with your partner
For couples who share a life but not a spreadsheet
Read this one →When the diagnosis is your parent's
For adult children in the first week of a family health crisis
Read this one →No HMO, no 13th month, no sick leave: building a safety net when you work for yourself
For freelancers, VAs, gig workers and anyone whose income stops when they do
Read this one →The 18-year clock: what an education actually costs by the time they get there
For parents of young kids doing the tuition math for the first time
Read this one →It's September, which means the money pressure starts now
For anyone who enters January tired and broke
Read this one →The abuloy envelope is the oldest insurance product in the Philippines
For what a Filipino wake already knows about pooling risk
Read this one →The honest version of this job
For working professionals quietly wondering if they'd be good at this
Read this one →Three numbers every Filipina should know about her own money
For women who manage the household's money but not their own future
Read this one →What actually happens when you file a claim
For families who will one day need to do this, and anyone who suspects claims never get paid
Read this one →Breaking Bad is a show about a man with no critical illness coverage
For the diagnosis that starts everything, and the help he wouldn't take
Read this one →To the one who left: the OFW math nobody does
For OFWs, and the families who depend on them
Read this one →Nobody tells you that saying yes to insurance is also saying no to something
For anyone who senses they're only being told the good half
Read this one →I got declined for insurance. Now what?
For anyone who applied, got a no or a higher price, and felt humiliated
Read this one →I handle everything for my family, and nobody knows my passwords
For the household's finance person
Read this one →The most accurate film about the sandwich generation has hotdog fingers
For what Everything Everywhere All At Once gets right about the person holding it together
Read this one →What I stopped buying when I started planning
For people who think planning means never enjoying anything
Read this one →How to talk to your parents about money without it becoming a fight
For adult children who already fund their parents but have never discussed it
Read this one →The ₱500-a-month question
For people waiting until they earn more
Read this one →Your HMO is a hallway pass, not a health plan
For employed professionals who think they're covered
Read this one →The book that argues against my entire job
For a book about spending your money before you die, read by someone who sells protection
Read this one →The quiet math of being the one everyone counts on
For millennials carrying parents and kids at the same time
Read this one →Why people don't trust insurance agents, and honestly, we earned some of it
For skeptics, people burned before, anyone who ghosted an agent
Read this one →Saving for your own retirement while supporting both ends of the family
For the sandwich generation, paying for parents and children and wondering when it's their turn
Read this one →The school-year list you should have started in March
For parents staring at enrolment, uniforms and school supplies, all due at once
Read this one →"Pay yourself first" is advice for people with slack. Here's the version for everyone else.
For anyone who has read that advice and laughed, because there is nothing left to pay
Read this one →The policy loan clause: what borrowing against your policy really costs
For anyone who has heard "you can borrow from your policy" and thought it sounded like free money
Read this one →Little Women has the most honest money fight in fiction
For anyone who has hidden a purchase from a partner, or found one
Read this one →The parent without a payslip still needs to be insured
For households where one parent stays home, and the people who assume that parent doesn't need cover
Read this one →What I need to know about you before I recommend anything
For anyone about to meet an advisor, and anyone who wants to know what a good first meeting looks like
Read this one →A summer trip without the September regret
For anyone planning a beach weekend, a family trip or a balikbayan visit this summer
Read this one →Your first salary: a plan for the money everyone already has plans for
For fresh graduates, and the families waiting for their first payslip
Read this one →"I'm young and healthy" is the most expensive sentence in insurance
For anyone in their twenties who plans to get covered later, when it matters
Read this one →Your annual policy statement, and the five lines worth reading
For anyone who gets a yearly statement from their insurer and files it unopened
Read this one →Up is a film about a savings jar that kept getting broken
For anyone who has had to raid the fund for the dream to pay for the emergency, again
Read this one →What SSS will do for you, and the gap it leaves
For anyone who pays SSS every month and has never checked what it would actually pay back
Read this one →Every woman should own something in her own name
For anyone who manages a household's money and owns almost none of it
Read this one →What a week in this job actually looks like
For anyone curious about life as an insurance advisor, whether they're thinking of joining or just wondering what we do all day
Read this one →Don't buy insurance from a relative because you feel bad saying no
For anyone with a tita, cousin or classmate who just became an advisor
Read this one →HMO, health insurance, critical illness cover: three different jobs
For anyone who thinks they're covered because they have "health insurance," and isn't sure which kind
Read this one →The beneficiary form, read line by line
For anyone who has signed one without reading it, which is almost everyone
Read this one →The no-spend week, and what it shows you that a budget can't
For anyone who earns decently and still can't say where it all goes
Read this one →Life insurance for busy people: the four words that matter
For anyone who owns a policy, or is about to, and has never been sure who is who on it
Read this one →The finance book that barely talks about finance
For anyone who knows exactly what they should do with money and still doesn't do it
Read this one →"Buy term and invest the rest" is good advice. Here's where it breaks.
For anyone who has heard that insurance with savings is a scam, and anyone who hasn't
Read this one →How big should your emergency fund be when your family is the emergency?
For anyone whose "three to six months" advice never accounted for parents, siblings and a phone that rings at midnight
Read this one →Write five money rules before the year writes them for you
For anyone who starts every January with a budget and ends every March without one
Read this one →The retirement arithmetic: a way to estimate 'how much is enough'
For anyone who says 'I have no idea how much I'd need to retire'
Read this one →Guilt-free fun money: how to spend on yourself without the shame
For anyone who feels guilty spending anything that isn't a necessity
Read this one →'Sige, treat ko': lifestyle creep with a Filipino accent
For anyone whose spending quietly rises every time their income does
Read this one →Your policy and your will: why the beneficiary form can matter more
For anyone who has a will, or means to write one, and owns a policy
Read this one →The 13th month pay: what the law actually says
For anyone planning around their December bonus
Read this one →The ninong and ninang budget: planning for the people who expect gifts
For anyone whose December includes a long list of godchildren and relatives
Read this one →How to listen to money advice from relatives without obeying it
For anyone who gets unsolicited financial advice at family gatherings
Read this one →Surrender or paid-up? What your options are when you can't keep paying
For anyone thinking of stopping a policy that has built some value
Read this one →'Up to': the two words that need the closest reading in any brochure
For anyone comparing offers that promise 'up to' a big number
Read this one →Bills day: a monthly ritual that keeps everything paid
For anyone who has paid a bill late because it slipped their mind
Read this one →Pay off debt or protect yourself first? Here's the order I'd use
For anyone juggling loans and wondering if insurance can wait
Read this one →Underwriting: what happens between 'I applied' and 'it's approved'
For anyone about to apply and nervous about the medical questions
Read this one →Estate tax in the Philippines: the basic numbers every family should know
For anyone who owns property or savings and hasn't thought about what happens after
Read this one →Rent or buy? Seven questions to ask before the numbers
For anyone deciding whether to keep renting or buy a home
Read this one →If it's urgent, it's a pitch
For anyone who has been told an investment or insurance offer 'ends today'
Read this one →Owner, insured, beneficiary: the three roles on your policy
For anyone who has ever signed a policy without knowing which box they were
Read this one →What ₱500 a month turns into, and what waiting ten years costs
For anyone who thinks small, regular savings aren't worth starting
Read this one →Planning a debut, a wedding or a big family event without debt
For families facing a large celebration and a limited budget
Read this one →'0% installment' isn't the same as free
For anyone who has used a credit card installment plan
Read this one →What a unit price is, and why your fund value moves
For anyone with an investment-linked policy who has looked at the statement and been confused
Read this one →What 3% inflation does to a benefit that never changes
For anyone who has bought cover or saved a fixed amount for the long term
Read this one →Asking for a raise without the dread: a practical preparation list
For anyone who has delayed asking for more pay
Read this one →Pre-need plans are not life insurance. Know which one you're buying.
For anyone who has been offered a memorial, education or pension plan
Read this one →Dollar policies: what the exchange rate does to a peso family
For anyone offered a US dollar-denominated policy
Read this one →The cash value table, read line by line
For anyone with a whole life or endowment policy who has never opened that page
Read this one →The mid-year check-in: fifteen minutes to see if the year is on track
For anyone who set goals in January and hasn't looked since
Read this one →'I'll just self-insure' is a real strategy. Here are the numbers it needs.
For anyone who says 'I'd rather save my own money than pay premiums'
Read this one →TPD, explained: the benefit for the day you can't work but are still here
For anyone whose policy mentions total and permanent disability
Read this one →Read the illustration: guaranteed values versus projected values
For anyone who has been shown a colorful projection and a big number at the end
Read this one →The 50/30/20 rule, and where it breaks in an expensive city
For anyone who has tried the popular budgeting rule and found it didn't fit
Read this one →The real cost of the online lending app on your phone
For anyone who has borrowed from, or been tempted by, an online lending app
Read this one →Renewable, convertible, level: what the words on a term policy mean
For anyone comparing term insurance and unsure about the labels
Read this one →Pag-IBIG MP2: what's guaranteed, and what isn't
For anyone considering MP2 as a savings product
Read this one →Teaching children about money, age by age
For parents who want their children to grow up comfortable with money
Read this one →Your children are not your retirement plan
For parents who quietly expect their children to look after them in old age
Read this one →Annual or monthly premium? The part of the price nobody mentions
For anyone paying a policy monthly because it feels lighter
Read this one →How to check that your insurance advisor is licensed, and where to complain if something goes wrong
For anyone buying insurance from someone they just met
Read this one →The weekly grocery list is a money plan in disguise
For anyone whose food budget always runs out before the month does
Read this one →Cheap isn't good. Expensive isn't good either.
For anyone choosing a policy mainly by price, high or low
Read this one →Room and board limits: the line in your health plan that decides your bill
For anyone who has an HMO or hospital plan and has never checked the room limit
Read this one →What 1.67% of GDP says about how many Filipinos are protected
For anyone curious how big the protection gap really is
Read this one →Where does your money actually live? Build an account inventory
For anyone with accounts, wallets and policies scattered in several places
Read this one →Insure the earner before the child
For parents who have a policy on every child and none on themselves
Read this one →Insurable interest: who you can insure, and why it's not just anyone
For anyone who has been asked to buy a policy 'for' someone else
Read this one →'SEC-registered' does not mean 'allowed to take your money'
For anyone who has been shown an SEC certificate as proof an investment is safe
Read this one →Review your subscriptions in fifteen minutes, without a spreadsheet
For anyone who suspects they're paying for things they've forgotten
Read this one →The group insurance at your office isn't yours
For anyone who relies on the insurance their employer provides
Read this one →Waiting periods: why a new policy doesn't cover everything on day one
For anyone who has just bought health or critical illness cover
Read this one →What PDIC deposit insurance covers, and what it doesn't
For anyone who keeps most of their savings in one bank
Read this one →The family money calendar: twelve dates that stop surprises
For anyone whose big bills always seem to arrive unannounced
Read this one →Stop asking what return your protection gives you
For anyone who has ever asked an advisor 'ano ang kikitain ko dito?' about a plain insurance policy
Read this one →The three numbers on every policy page, and what each one is for
For anyone who has a policy but couldn't say what it pays
Read this one →free, no sign-up ♡
Start with the checklist
Two worksheets you can fill in at your own kitchen table: where your family is covered, and where the money actually goes.