00:41.8
And we rely on our savings, investments, pensions, and other financial resources to support our living.
00:51.0
So ibig sabihin yan, out of the workforce na tayo,
00:53.5
and we already have sufficient savings, investments, pensions,
00:58.6
and other financial resources para mabuhay tayo until the end of our time.
01:06.3
Actually, dito sa Pilipinas, ang mandatory retirement age ay 65.
01:13.3
Tayo ba ay nasa Pilipinas lahat or kayo ba ay abroad?
01:18.0
So kung kayo ay abroad, are you...
01:24.0
Kayo ba ay citizen dyan?
01:28.6
Kasi I think sa US, I think it's 67 years old ang retirement age.
01:38.6
Si Florida ay nasa Korea.
01:41.0
I think sa Korea, 65 din ang retirement age talaga.
01:45.9
Correct me if I'm wrong, Florida.
01:48.8
Okay, sa UAE, nako hindi ko alam kung ano ang retirement age dyan sa UAE.
01:54.0
Pero Janice, mukhang hindi ka naman magiging...
02:01.2
At saka mukhang ano sila eh, mukhang retired na sila.
02:04.0
Maski hindi pa talaga retired kasi malakas ang binibigay ng gobyerno sa kanila, diba?
02:12.5
Sa Singapore, 65 yung optional retirement.
02:16.3
Maraming mga OFWs tayong kasama ngayon.
02:18.6
Okay, 65 years old yung optional retirement.
02:21.7
Dito sa Pilipinas ay 60.
02:23.9
60 years old yung optional retirement.
02:25.7
65 yung mandatory.
02:30.0
So, yan yung retirement na tinatawag.
02:35.3
Ano ba yung mga aspects of retirement na kailangan natin i-take into consideration?
02:41.3
At bakit ba natin gustong mag-retire na, diba?
02:45.3
So, the first one is accumulation.
02:48.2
So, we need to save and invest money for our retirement.
02:52.3
So, malamang tayo yan, no?
02:55.6
Actually, lahat tayo na mga nandito sa webinar.
02:58.6
Ngayon, we are in the accumulation phase, no?
03:04.6
Kasi, maski nga, sa totoo lang, even when you're retired, accumulation is still possible.
03:11.3
Kasi pwede naman na you live below your means such that nag-grow pa rin yung retirement fund mo.
03:19.5
Na-outpace niya yung pag-spend mo sa lifestyle mo.
03:24.3
So, you can still accumulate while you're in retirement, no?
03:28.6
And then, yung distribution niyan, no?
03:33.5
This is when you start withdrawing from your retirement savings or investments.
03:40.3
Actually, may kaibigan ako na kaka-retire lang niya this January.
03:47.9
Mugi na siya ng Ilocos at nag-retire na talaga.
03:52.5
So, he's 44 years old, no?
03:56.6
Ay, taga-UAE siya before.
03:58.6
Nag-concierge siya dyan sa Dubai.
04:06.6
Tapos, another aspect that we need to consider would be our financial planning part, no?
04:12.1
Ina-estimate natin yung future expenses natin and managing our savings and investments.
04:21.0
So, yun. What else?
04:23.4
We also have to consider our social security pensions.
04:27.1
I think most of us...
04:28.6
Meron po bang government employee dito ngayon sa atin na nagpa-participate?
04:38.1
Mukhang wala, no?
04:39.5
So, kung wala, SSS, no?
04:43.3
Ay, si Maha. Maha ba to o Maya?
04:47.4
Si Maha ay government employee in fairness.
04:51.4
Uy, si Earl dyan din.
04:53.8
Wait, nag-raise kayo ng hand dahil kayo ay government employee.
04:58.6
Alam nyo, ingit na ingit ako dyan sa mga government employees
05:02.8
kasi ang mataas eh ang kanilang magiging pensyon compared sa atin sa SSS.
05:09.5
Pero ang suggestion ko dyan sa inyo, Maha at saka...
05:14.6
Sino nga yun? Earl nga ba yun?
05:16.5
Maha at saka Earl ay kumuha pa rin ng SSS para mayroon kayong dalawang pensyon na makukuha.
05:28.6
We take a look at risk management.
05:30.8
So, ano yung market volatility,
05:33.0
the impact of inflation to our nest egg,
05:39.8
and of course, health issues.
05:41.7
Ang dami kang mga pera, baldado ka naman, huwag na.
05:44.7
Sabi ko nga kay Lord eh, na kapag gulay ako, nakunin niya na ako, diba?
05:52.5
Sabi ko rin kay Edwin, ano na, DNR, do not resuscitate na kapag gulay na ako.
05:58.6
Kasi ayaw ko naman maging mabuhay ng isang gulay, diba?
06:03.9
Sabi ko nga, yung carbon footprint ko nyan eh, mataas, eh wala na akong silbi sa mundo, diba?
06:14.0
At hindi na ako masaya.
06:16.5
Feeling ko lang ha, para sa akin lang naman yun.
06:18.3
Kasi baka yung iba na sila ay bedridden eh masaya pa rin.
06:21.7
Ako feeling ko talaga, hindi ako magiging masaya kung ako ay bedridden.
06:25.5
At hinaal-alagaan na lang.
06:27.1
So, kunin na lang ako ni Lord.
06:28.1
At ipamigay ko na lang yung pera ko sa mga nabubuhay pa, diba?
06:31.5
Para ma-enjoy nila.
06:34.3
And then, we also have to take a look at estate planning.
06:37.6
Arrangement in distributing your assets.
06:40.6
Kasi kadalasan yan, pinag-aaway-awayan, diba?
06:44.5
Ng mga naiiwan dito sa mundo.
06:48.3
Ano ko, relate ako dyan kasi yung family ko ganyan, no?
06:51.7
Parang, kala mo naman eh, ano?
06:56.2
Asyenda ang pinaghahat.
06:58.1
Ang liit-liit na mga lupa.
07:00.6
Pero, ang lakas kasi ng emotional attachment ng mga bagay na yun.
07:06.1
Kaya dapat, harapin natin siya habang tayo ay buhay pa.
07:10.6
Kaysa sa iiwanan natin, no?
07:13.0
Sa mga, may iiwanan natin sa mga nabubuhay pa.
07:20.2
And then, we also have to consider our lifestyle.
07:25.0
Kung ano yung gusto natin na buhay.
07:32.6
So, ito yung kalagayan ng mga senior citizens ngayon.
07:36.4
Kasi, lalagay ko to.
07:39.0
When we talk about retirement,
07:41.3
ang default talaga na tinitignan ng mga tao is,
07:44.5
yun, mag-retire tayo ng 60 or 65 years old tayo.
07:50.6
So, nasa senior years na yan.
07:52.7
So, ito yung kalagayan ng mga senior citizens.
07:58.1
there are about 9.2 million senior citizens
08:03.6
out of the 110 million Filipinos, no?
08:08.1
So, a little bit,
08:09.9
mga nasa 9% ang senior citizens sa atin.
08:13.5
That's double from the 2000 level,
08:17.7
which is 4.5 million.
08:20.9
So, pag tayo nag-retire na, no?
08:23.0
Yung mga nasa 40,
08:29.9
Kapag giniisip ko siya,
08:31.3
parang, oh my God, super tanda.
08:36.5
I think that this will be around
08:38.2
maybe about 18, no?
08:44.8
yung mga senior citizens at that time.
08:48.5
So, medyo dumadami yung mga senior citizens
08:54.5
So, this is about 8.5%
08:57.2
of the population
09:01.5
in the year 2000.
09:05.7
di ba, ang projections,
09:07.0
sinasabi ko nga na
09:07.9
baka maging 18 million yan
09:12.4
sabihin na natin mga nasa 17%
09:14.7
of the population
09:15.5
ay senior citizens.
09:19.7
Yung mga senior citizens.
09:24.3
And you don't feel,
09:32.5
kasi marami ka ng kasamang
09:34.2
matatanda, di ba?
09:35.7
So, mas happy yun.
09:37.1
So, something to look forward to, di ba?
09:38.8
Parang, di ba, may nangasin sabi sila na,
09:43.0
50 is the new 40,
09:45.7
mga ganyan-ganyan.
09:46.5
Pero feeling ko lang,
09:47.3
pagdating ng panahon natin ay,
09:49.1
oh, 60 is the new 50,
09:51.8
mga ganyan-ganyan, di ba?
09:57.2
So, there's a rise in the number
09:59.2
due to better health
10:01.1
and economic conditions
10:03.7
Philippine Statistics Authority.
10:06.7
magtuloy-tuloy, no?
10:14.6
pagdatingin natin yung pension,
10:16.4
nakakaloka siya, no?
10:17.9
55% of senior citizens
10:20.6
do not have a pension.
10:23.3
So, they are automatically labeled
10:25.1
as persons living in poverty.
10:28.0
Imagine, ang dami niyan, ha?
10:31.2
ay walang pension.
10:37.6
from the private sector
10:40.1
that is from the SSS
10:45.8
in addition to SSS,
10:48.0
yung mga pension plans
10:49.6
ng mga private corporations.
10:51.5
And then, we have
10:53.2
from the government sector,
10:59.6
coming from the government.
11:06.9
monthly social pension.
11:09.8
Ang saklab, di ba?
11:13.3
Saan naabuti ng 500 pesos
11:15.7
natin ngayon, di ba?
11:17.5
Napaka-liit na halaga.
11:21.7
But there's a house bill
11:25.7
Sen. Riza Contivera,
11:27.4
ang linga para kay
11:29.9
Lolo and Lola Act.
11:42.3
ang social pension.
11:47.8
Ang saklab pa rin, no?
11:50.1
That's in contrast to
11:52.3
sa kila mama at papa,
11:54.8
they get social pension
11:59.2
I think it's about
12:06.8
Pero kung titignan mo rin,
12:20.1
medyo mahirap siya.
12:21.8
Pero kung may bahay ka,
12:23.1
nakikikira ka sa anak mo,
12:24.9
okay na yung 1,600.
12:27.2
Pero sa atin, yung 1,500
12:29.3
monthly, may bahay ka man
12:31.3
o wala, ay hindi talaga
12:32.8
kakayaning mabuhay.
12:35.5
At ang reality nga ay
12:37.2
500 pesos pa ngayon.
12:42.2
Pero ako, as I see it,
12:43.6
there are three kinds
12:45.1
of retirement, really.
12:49.6
yun. But the first
12:51.2
kind is the nominal retirement.
12:54.0
The second one is
12:55.2
the financial retirement.
12:57.2
And the third one is
12:59.1
our meaningful and
13:00.6
productive retirement.
13:06.8
retirement, this is the
13:09.1
age set by the government
13:11.5
for retirement. So, for
13:13.2
us, that's 60 optional
13:16.6
mandatory. And it has
13:19.1
nothing to do about our
13:21.2
well-being, and it has
13:23.3
nothing to do with our
13:25.2
choice. So, whether
13:27.2
handa ka nang mag-retire o hindi,
13:29.4
ay sabi ng gobyerno,
13:33.2
So, that's nominal retirement.
13:35.7
There's also what we call
13:37.2
the financially retired,
13:39.0
financial retirement. This means
13:40.8
you have enough passive income
13:43.2
that covers expenses
13:49.2
yun yung tinitignan
13:51.1
natin. Meron na ba
13:53.3
akong enough passive income
13:55.1
that covers my expenses?
13:57.2
Until I die. So, yung
13:59.2
financially retired,
14:01.1
we no longer need to work for
14:07.5
Tumutubo at tumutubo na siya
14:10.6
reap the benefits
14:13.9
malamang savings and investments
14:21.4
meron tayong mga retirement
14:23.0
needs. So, yung retirement needs
14:24.8
natin is about, sabi nila,
14:27.2
retirement is about age. So, it's
14:29.3
actually not about age, no?
14:33.6
you can decide on when
14:35.3
you want to retire.
14:37.5
Actually, matanong nga, kailan nyo ba
14:39.3
balak mag-retire? Ilang taon,
14:43.4
nyo balak mag-retire?
14:47.2
Tingnan nga natin sa chat.
15:11.0
in your 50s naman, ano,
15:13.2
yung nakikita natin. So,
15:23.3
yung mga target na, in your 50s,
15:25.5
ano, yung target na
15:27.2
retirement age. So, yun.
15:29.1
That's precisely one of the myths, no?
15:31.5
Na yung retirement is
15:32.8
about age. Na, o, pag 60,
15:35.5
65 ka na, retired ka na.
15:38.9
it's not about age, diba? Because you can
15:42.0
when you want to retire
15:45.3
or, on the other hand,
15:48.9
feeling mo gusto mo
15:49.6
nang mag-retire, but your
15:51.0
financial means won't allow you.
15:53.9
Kailangan mo pa rin,
16:00.5
or maging dependent sa kung sino man
16:05.2
Okay? Another retirement
16:07.3
myth is that this is
16:09.1
done later in life. So, kaya happy ako
16:11.5
na yung mga umaten ngayon
16:13.3
ay mostly in your
16:16.7
the earlier that we
16:21.1
that we prepare for retirement,
16:23.2
the better. Kaya, happy-happy ako
16:25.3
kay, ano, sino nga yung pinakabunso natin?
16:29.0
Yung palikan natin, yung 26 ba siya?
16:31.7
Ayan, si Earl. Okay.
16:33.1
So, si Earl, super happy. Kasi
16:34.8
26 years old. Retirement na iniisip
16:37.6
niya, in fairness, diba?
16:39.8
Another retirement myth
16:41.4
would be that our children
16:43.2
are our retirement plan.
16:45.6
Diba? Nakakaalagaan ako ng mga
16:49.5
Ay, nako, napaka-old school
16:51.3
po niyan, no? Hindi po yan
16:54.8
mga anak po natin ay
16:57.2
responsibilidad natin, no?
17:00.6
obligasyon or responsibilidad
17:02.6
sa kanilang mga magulang.
17:05.0
Kaya, huwag natin i-impose yun
17:06.7
sa kanila. Okay? I think
17:08.7
ang mas maganda nga yan ay kapag
17:10.6
tayo ay nasa retirement na,
17:12.6
that we would be financially
17:18.7
assist, hindi naman support, to assist
17:20.7
our children, no?
17:25.1
pangangailangan nila.
17:29.7
Another retirement myth
17:31.8
the best time to start
17:35.1
a business is when
17:38.9
Mahirap yan, no? Lalo na kapag
17:40.7
we are already in our 60s
17:43.2
and then we start our business,
17:45.5
medyo risky siya,
17:47.2
kasi wala nang time
17:49.1
para bumawi. Part-time
17:51.1
siguro po pwede, no? Or
17:52.7
business which is a hobby, just to
17:55.1
keep you busy, pwede yun.
17:59.0
magsisimula ng business
18:01.3
natin, na panustos
18:03.5
sa pang-araw-araw nating
18:04.9
pangangailangan, that is a myth, no?
18:08.5
Sasabihin nyo siguro sa akin,
18:09.5
bakit si KFC, senior citizen na siya
18:11.4
nung ginawa niya yun? Eh,
18:13.3
ilan naman ang KFC? Isa lang siya,
18:16.5
hundred-hundred million na mga senior
18:19.1
citizen, diba? So, yun.
18:21.3
And then, another retirement
18:23.1
myth na gusto kong
18:27.2
I-strike out sa inyo
18:34.6
retirees, no? All retirees
18:41.2
specifically life insurance. Kasi
18:43.2
yung life insurance
18:47.2
ang primary function niyan
18:51.0
replacement if you still
18:53.3
have dependents. Kasi
18:55.2
yung life insurance,
19:01.8
yung makukuha dapat dun
19:11.2
Okay? So, kung wala ka
19:14.4
at your latter age
19:17.3
in life, then you no longer need
19:19.2
life insurance. So, yun yung
19:24.8
on health insurance,
19:27.2
ako ang belief ko kasi
19:33.1
Which is free for all here
19:35.1
in the Philippines, ay ganun din
19:37.1
dapat for health.
19:39.0
Dapat talaga yung
19:45.1
ay tumanda, ay kayang i-cover
19:46.9
ng ating universal healthcare law.
19:49.1
We are not there yet. Pero
19:54.3
may responsibility dyan
19:57.0
dapat ayang state. Pero dahil
19:58.7
wala pa, i-augment
20:02.3
insurance natin ngayon,
20:05.7
health insurance natin
20:07.8
ng health fund, kung kakayanin.
20:10.8
Okay? So, yan yung mga
20:12.6
retirement needs. And to go to
20:20.4
kind of retirement,
20:22.9
which is meaningful
20:24.2
and productive retirement.
20:27.0
So, diba yung mga nauna kanina,
20:29.4
that this is about
20:32.7
age and set by the government.
20:34.7
And then we have our financial
20:36.1
focusing on passive income.
20:38.9
And then we have the meaningful
20:42.3
retirement. Itong
20:44.6
meaningful and productive retirement
20:48.2
aim to have here is, so this is
20:50.6
not about age. Any age,
20:53.1
kung kaya mo na siya, gagawin mo na siya.
20:54.7
But, you have enough
20:56.7
passive income that covers
20:58.5
your expenses or your
21:00.6
chosen lifestyle.
21:02.4
And you still choose
21:04.4
to do meaningful work.
21:06.7
Yan pa rin yung gusto mong gawin.
21:08.6
Gusto mo pa rin na
21:12.3
And the reason that we came
21:14.6
up with these three kinds
21:16.1
ng retirement na ito
21:27.8
Edwin, my partner,
21:31.0
we were financially
21:32.8
retired when we were 31
21:36.2
siya, ako hindi ako
21:38.7
tumigil magtrabaho kasi
21:40.8
I really like what I'm doing. So siya
21:47.0
working for three years.
21:48.9
That's for a good three years.
21:50.8
Nag-volleyball lang siya.
21:52.9
Tapos super part-time lang
21:54.8
siya sa Ateneo na nagtututunan.
21:58.7
Pero ang sabi niya, that was
22:00.3
parang enjoy na enjoy siya nung the first
22:02.7
three to six months. Pero after
22:04.6
that, parang sobrang
22:06.1
hagard nung pakiramdam.
22:09.0
Yun yung sabi niya. Kasi
22:12.9
ng purpose yung katawan niya eh.
22:15.4
And so what he did
22:21.0
To go back to the workforce.
22:24.6
intention na is no long,
22:26.7
to earn, earn, earn, earn, no?
22:29.5
Pero gusto ko ba yung
22:31.8
napipili na niya kung ano yung
22:38.7
yun. May nagtatanong kanina. Sandali
22:40.9
na. Kasa na ba yung chat?
22:48.6
If I have a parent as
22:50.6
dependent but I have no debt
22:52.6
and I have enough savings asset to
22:54.6
support my parent if I die,
22:56.7
do I still need to have
22:58.5
life insurance? In my opinion, no,
23:05.4
If you still have
23:06.7
your parent who is your
23:08.4
dependent now at saka
23:10.2
nabubuhay ka kayo.
23:12.9
Kasi ganito nga eh. Hindi mo
23:14.2
responsibilidad yung mga magulang mo,
23:22.4
tanggapin ng kulturang Pilipino.
23:24.4
Pero yun talaga siya.
23:30.9
at nabuhay pa si mami or si daddy,
23:33.2
eh sorry sa kanila.
23:34.6
Pero mabuti naman yung sayo kasi
23:36.4
mayroon ka pang enough
23:38.5
savings and asset that would
23:40.6
support them even if you're
23:43.3
gone, diba? So hindi mo
23:54.6
meaningful and productive retirement.
23:56.7
So ano ba yung mga regrets
23:59.5
or common mistakes ng mga
24:02.4
retirees? So yun, hindi sila nag-save
24:08.8
SSS at GSIS na lang yung
24:12.4
And hindi sila nagbayad ng utang
24:16.5
So yan yung mga typical na
24:18.7
regrets na nakikita ko.
24:20.8
Kasi meron, lalo na sa GSIS.
24:22.8
Ako, sino nga yung sa GSIS kanina?
24:27.1
kananiwan kong naririnig dyan sa mga
24:30.4
friend ko sa GSIS, nag-work sa
24:36.7
yung isang government employee,
24:39.4
marami siyang utang
24:42.7
kanyang retirement money
24:44.9
ay ibabawas muna yung mga utang
24:46.6
niya tapos yung sobra yung ibibigay
24:48.6
sa kanya. Kasi sa SSS,
24:51.1
18 months yung lump sum.
24:55.0
60 months yung lump sum.
24:56.7
And then after that, ay
24:58.5
magma-monthly. So typically
25:00.8
daw, ang nangyayari, parang
25:02.6
katiting na lang yung natitira
25:12.6
kailangan niyang magtrabaho muna.
25:15.2
Aantayin niyang mag
25:18.7
para makuha niya yung kanyang
25:20.5
monthly pension. So, ayan ha,
25:26.7
main message dyan.
25:29.6
Okay. So, ano ba yung
25:35.3
So, yung importance
25:36.9
nito is, it ensures
25:38.7
financial security and stability
25:40.8
while living a happy and fulfilled
25:42.9
life. Kasi yun naman talaga yung
25:44.9
gusto nating mangyari, diba?
25:46.8
Pero ako, ang sinasabi ko nga ay,
25:48.8
di naman natin kinakailangang
25:50.6
antayin pa ang retirement
25:53.0
para tayo ay maging
25:54.8
masaya at maging fulfilled.
26:00.4
and be fulfilled.
26:02.6
Even if we don't,
26:05.2
even if we're not in retirement.
26:08.7
Kasi yun yung iniisip ng iba
26:10.6
na parang, ah, sasaya lang ako
26:12.6
kapag hindi ko na
26:14.5
iniisip ang pera. Ay, nako.
26:16.6
Kahit, alam nyo, kumari ako ha,
26:20.4
ano naman na, retired na,
26:22.3
meaningful and productive retirement na, pero
26:24.4
iniisip mo pa rin siya.
26:29.5
noong, sino pang hindi kinabahan?
26:31.0
For example, noong nag-
26:32.3
pandemic, diba? Hindi mo alam
26:34.7
kung katapusan na ng mundo o kung
26:36.6
anong mangyayari, diba? Pero
26:40.1
to decide on our own
26:42.0
to be happy and to be fulfilled
26:44.4
even if we're not yet in retirement.
26:46.9
No? So, hindi retirement
26:50.5
Hindi rin retirement ang goal.
26:52.2
Nakita nyo si Edwin, ginold niya yung
26:54.5
retirement. Nalungkot siya, actually.
26:56.7
Na-depress siya, diba?
26:59.2
Key reasons why retirement
27:00.8
planning is important. So,
27:04.5
ano kasi, we want to
27:06.7
be independent, no? Kapag
27:08.7
tayo ay nag-retire na.
27:11.7
And then, there's also
27:12.9
ito, nakakaloka ito, longevity
27:14.6
risk. Ano ba itong longevity
27:16.7
risk? Kasi, dati,
27:22.7
years old. Eh, ngayon,
27:25.0
namamatay yung mga,
27:29.0
to 72 years old. Baka
27:30.8
kapag panahon na natin, no, nang
27:32.6
tayo ay magre-retire, baka nasa 80s na.
27:35.8
So, kung magre-retire
27:45.2
na mamamatay yung mga
27:46.6
Pilipino, that's 20 years.
27:50.9
retirement savings mo o yung
27:52.8
investments mo to cover
27:54.8
for that 20 years?
27:57.0
Diba? So, isa yan sa mga
27:58.5
sasagutin natin sa ating retirement
28:05.2
healthcare costs, no? So, sana lang
28:07.0
talaga, mas bigyan
28:11.2
healthcare dito sa atin sa
28:16.4
Ang isang strategy ng mga ginagawa
28:19.0
ng iba ay mag-ano na lang,
28:21.1
no? Mag-migrate sa Canada,
28:24.8
sa US, kasi nga, maayos yung
28:30.7
Parang hindi ikaw yung
28:41.0
may kayang gawin yun, diba? So,
28:44.6
And then, we also have to take a look at our family dynamics.
28:49.4
pag tayo magre-retire na,
28:52.7
umaasa-asa pa sa atin kapag
28:54.8
tayo ay nag-retire na,
28:57.1
ano ba yung mga expectations
28:59.1
sa atin ng family members natin
29:01.1
o hanggang pag-retire natin,
29:03.1
nagbibigay tayo sa kanila.
29:05.1
So, yun yung mga kailangan natin
29:06.9
isipin. Inflation, diba?
29:09.5
Ramdam na ramdam natin yan
29:11.0
ngayong taon. And then, if we want
29:13.1
to leave a legacy
29:15.3
behind, ano ba yung legacy
29:17.0
na gusto mong iwan? Something that
29:18.9
you want to be remembered.
29:24.8
and, lalo na sabi nyo,
29:26.9
gusto nyo mag-retire kayo in your 50s.
29:29.2
Early retirement, diba?
29:30.9
So, kailan ba natin
29:33.0
gustong mag-retire?
29:35.3
So, these are just
29:36.0
things that we have
29:39.0
to consider or bakit
29:46.8
Guys, if you have questions,
29:48.4
i-chat nyo lang. Or,
29:50.6
actually, pwede naman kayong mag-on-cam
29:54.8
makausap ko kayo.
29:56.7
So, happy din naman yun.
29:59.4
Mas maganda kaysa sa
30:00.9
ako ay nagmo-monologue,
30:05.0
Okay. So, let's go to the next
30:10.5
retirement planning. So,
30:13.1
itong steps in retirement
30:14.6
planning natin, dito
30:18.9
ano yung mga i-expect ninyo
