Pera and Purpose Podcast

Imagine waking up one day to find out that you’ve lost 700,000 pesos to a scam. It’s a nightmare that has become a harsh reality for many. Task scams, recruitment scams, investment scams, loan scams – they’re all designed to exploit our trust and financial vulnerability. The rise in financial scams in the Philippines is alarming, with many falling victim due to lack of awareness. Understanding how...

Have you ever wondered why some people seem to accumulate wealth faster than others, despite having similar incomes? The key to financial success isn’t just about earning more money—it’s about how much you save and invest. Many people chase higher-paying jobs or promotions, thinking this will lead to wealth. But studies show that savings rate is a more crucial factor in building wealth than income...

Time is the most valuable resource we have, yet many of us overlook its importance in our pursuit of financial freedom. We often think that financial abundance will give us the life we desire, but there's a foundational element we're missing. Inspired by Dan Sullivan's book Who Not How , I learned that time freedom is the foundation of true financial freedom. Without control over your...

Have you ever wondered how asking the right questions can change your life? The quality of the questions we ask ourselves often determines the quality of the answers we receive. Asking the right questions has been a game-changer for many successful individuals, helping them navigate their journeys with clarity and purpose. In this episode, I'll share some of the essential questions I ask myself re...

Discover how your past failures, especially in the realm of investments, can be transformed into valuable lessons and guiding lights for others. Kuya Jay shares his own experiences, including the lessons learned from his first condo investment, and provides practical insights on how to turn your mistakes into meaningful messages. Join us for an inspiring and educational journey that will help you...

Picture this: you're eyeing the latest iPhone, shiny and alluring, priced at AED 5,500. It's tempting, right? But hold on a second. Twenty years down the line, that sleek gadget will be nothing more than a relic, while if you were to invest that same amount in a low-cost, globally diverse index fund, it could potentially grow to over AED 21,000!Life is a series of choices, each one coming with its...

Managing money can feel like navigating a maze without a map. This confusion often leads to stress and poor financial decisions, as people grasp at any advice or product they come across. They might save money aimlessly or buy insurance they don't fully understand, influenced by ads or friends' advice. This approach lacks strategy and clarity, leading to missed opportunities and a future filled wi...

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 y...

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...

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, inqui...

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 pl...

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 importa...

In this special episode, we dive into a topic close to our hearts, one that was sparked by a request from a valued member of our community. This isn't just about the mechanics of money management; it's an exploration of the foundational wisdom that underpins lasting financial success. Why? Because the right foundation is everything. Just as a house built on sand is vulnerable, a financial roadmap...

Ever wondered kung paano ka kikita ng bonggang-bongga, i-level up ang iyong budgeting skills, at wiser sa iyong investments gamit ang AI.I’m talking about Artificial Intelligence, or AI, at paano ito magiging game-changer sa iyong financial life!"AI? 'Di ba pang techie or big companies lang 'yan?"Saka parang ang complicated na topic, hahaluan mo pa ng personal finance! Nope, mali kayo d'yan! This...

Akala natin, pag sinabing luxury, kailangan laging malaki ang gastos. Branded na damit, magarang kotse, laging kumakain sa labas. Glamorous sa tingin pero in reality, nakaka-stress 'pag nakikita mo ang bank statement mo, 'di ba? Marami akong naririnig na kwento from OFWs dito sa UAE na nahuhulog sa trap na 'to. Ang ending? Utang here, utang there, utang everywhere. Pero guess what? May mas better...

In my early days of learning Personal Finance, I have always relied on others to grow my money. This is why I fell for scams, bought expensive but inadequate insurance, locked myself into a 15-year savings plan with risk of losing my money if I stop my contributions, discovered my advisor's dishonesty, and purchased a property without stable employment. Unfortunately, just like me in 2015, marami...

It’s back to school season! Marami sa atin ang natuto about math, science, history pero when it comes to Personal Finance? Wala! No one taught us how to budget, save, or invest. Instead, nalaman na lang natin itong mga bagay na to the moment we started earning money for ourselves. At ang lagi kong naririnig sa mga nakakausap ko eh, sana nalaman ko to nung bata pa lang ako. Ako rin, yan din ang sin...

Today, we're diving deep into a topic that's dear to my heart—Investing. Sa panahon ngayon, nakakatempt mag-invest sa dami ng mga nagsusulputang investments, strategies and ways to get rich faster. Pero do you really know what you're getting into? I've been there—nag-invest without proper understanding, guided only by the excitement and dreams of quick riches. Ang resulta? Napakalaking financial s...

We've all been there; even the brightest minds can sometimes make financial choices na talagang mapapakamot ka na lang ng ulo. But don't be too hard on yourself. It's a common, human error. In this episode, we'll uncover the triggers and hidden biases that explain why smart people sometimes make stupid investment decisions.🧠 What You’ll Learn:Introduction to Cognitive BiasesBiases Affecting Self-...

Money is a tool that can be used for God’s purposes. This episode is not just for those struggling with money issues but for anyone looking to refine their relationship with wealth and to discover a more fulfilling, God-centered approach to personal finance. Join me in exploring how our financial choices can serve not just ourselves, but also our community, and ultimately, God's kingdom. It's not...

Have you ever heard the saying, 'You only need to get rich once'?It's a simple but powerful idea. Once you've saved a good amount of money, the most important thing is to keep it safe. Of course, it's good to keep looking for ways to make your money grow. Whether you're investing, handling a business, or even just saving your money, there's always a degree of risk involved. But let's be clear abou...

In this episode, we're diving deep into the world of financial 'rules of thumb.' These are simple guidelines that can serve as your compass in navigating your journey towards financial independence. Whether you're grappling with how much to save from your income, how to manage your debt, or wondering about the right insurance coverage, we've got you covered! These insights will be straightforward,...

When it comes to money, what does 'enough' mean to you? It's a question that can prompt a variety of answers. For some, it might mean being able to afford all the needs and wants. For others, it might mean feeling secure about the future. But the truth is, understanding 'enough' is crucial to achieving financial contentment. So how much is ever enough Kuya Jay??Yan ang pag-uusapan natin today!🧠Wh...

Does the idea of creating a business, that serves people, makes their lives better, and earns you good money, excite you? Well, if that sounds like a “Perfect Business”, then don’t miss this episode! Our guest is Mr. Dodong Cacanando, the owner of Moriah Farms Inc in the Philippines. He is a businessman, farmer, author, and inspirational speaker, who left his executive role at Hewlett-Packard Phil...

Ever wondered what it takes to truly build wealth? Tune in to our latest podcast episode where we dive into the wisdom of Ramit Sethi's eye-opening Netflix documentary, 'How to Get Rich'. Ramit is the author of the New Yor Times Best Selling Book, ‘I Will Teach You To Be Rich’ and has been in empowering individuals to be in charge of their finances for over 20 years now! We'll explore essential fi...