#UsapangPera: Mga Tips sa Pagyaman with Sir Vince tackles money issues such as savings, loans, budgeting, and investing among others. Visit Sir VInce's website: www.vincerapisura.com. How to join SEDPI Coop: 1. Join SEDPI Foundation at bit.ly/SEDPIOnlineSRI by clicking “Register” and filling out the form 2. Take the online Pre-Membership Education Seminar (PMES) at bit.ly/SEDPICoopPMES 3. Pay membership fee and initial share capital Simulan ang pagiinvest the socially responsible way sa: bit.ly/SEDPIOnlineSRI Pag-IBIG MP2: * Watch the play list: https://www.youtube.com/playlist?list... SSS Retirement: Watch the playlist https://www.youtube.com/playlist?list... How to invest 100K: https://youtu.be/dxHRZn7uP-4 Celebrity guests include venus Raj (Season 1); Nicole Cordovez and Sinon Loresca (Season 2); Atom Araullo (Season 3) and Porky (Season 4). Smart Parenting Board of Expert

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So tignan natin yung challenges na hinaharap ng sandwich generation, okay?

So mayroon kasi silang mga financial responsibilities.

So ito muna, tingnan natin yung financial responsibilities.

So ang very obvious dyan is we cover the expenses of our parents living with us, no?

Ito yung both the living expenses, pagkain, tubig, kuryente, and ako, healthcare costs.

Yung healthcare costs pa dyan, mayroon tayong regular check-up, mayroon regular maintenance.

Ang post-pandemic, ang nakatakot po natin lahat ay ang medical emergencies.

Very peculiar yung sa akin, no?

Kasi ang nangyayari, sila, mama at papa, ay covered ng healthcare system sa US.

So when they're in the US, they're really taken care of.

So yung mga medical emergencies, kumbaga, ay bago pa maging emergency,

na pagbaplanuhan nga ng healthcare system nila at nagiging preventing, diba?

So nai-plan o naischedule kung kailan sila operas.

Dito kasi sa Pilipinas, kailangan ma-stroke ka muna bago ko operahan.

Doon, mayroon ng extensive testing system at matikita nila na ay,

bago pa ito ma-stroke, bago pa ito ma-heart attack, operahan na natin kasi may mga bara-bara.

At nai-schedule yun, sir?

Nai-schedule sya.

Tapos, nandito sila sa Pilipinas.

Ngayon, paano naman yung healthcare coverage nila in that regard?

Ang nangyayari naman, which is very good, ay kumukuha kami ng travel insurance.

That's good for one year.

So pag nandito sila, they're covered by that travel insurance.

So any medical emergencies na mangyari, covered yun ng travel insurance that we got from the US.

Aside from the universal healthcare benefit na nakukuha din nila dito sa Pilipinas.

Kasi sila po ay triple citizenship, diba?

Senior citizen, American, and Filipinos, diba?

So, yan.

And then, we also provide for that.

The Sandwich Generation also provides for the children's basic needs and educational needs.

Bakong hirap yan, no?

Para tumarihan, anong huunahin mo ang gamot ni mami, ni daddy, or ang pag-aaral ng ana?

Napakasak, napakasak talagang yung position to be in to make that decision.

Kasi, maraming sa ating mga Pilipino na yan talaga, araw-araw, ang hinaharap na desisyon.

Totoo sa libas.

So, ikaw, ano huunahin mo?

Parang selfish choice siya, no?

Ako, I'm just happy na, unfortunately, na hindi dumaan sa'yong kailangan mong magmamili, no?

But kung pipili ng isa lang, I think I would lean toward health rather than education.

Because in education, I think, kaya na, gawal ang paraan.

But in health, it leads to deterioration, mas wala, mas mahiba.

Correct, no.

At saka, yung education kasi, marami namang paraan para maging free yan.

At ang health talaga ay mas challenging.

So, and then, yung balancing act nga, no?

Ng personal financial goals mo at yung obligations mo, di ba?

Napakahirap na.

Parang ikaw, nagigilty ka na manood ng sine, o kumain sa Jollibee, na alam mo na may maganditong gastusin sa bahay,

kailangan ng mama at papa mo, or kaya ng mga anak mo.

So, siguro, sir, this for backtrack lang tayo.

Sino ba talaga dapat ang may responsibilidad?

Sa mga magulang, di ba?

Lalo na yung mga aging parents, for example, magtepensyon na, or siblings na.

Correct.

Actually, ang may responsibilidad talaga sa mga magulang ay sarili nila.

Yes, di ba?

Real lang po nang punataba.

Unfortunately, dahil nga sa kahirapan natin dito sa Pilipinas, at siya pa sa hindi maayos na social welfare, no?

Bula sa gobyerno, ay naipapasa ang bigat ng iyan sa mga anak, no?

So, ako talaga, ang sagot ko diyan ay, sa totoo lang, responsibilidad natin ang sarili natin.

So, that goes to our parents, no?

Pero, when you find yourself in a position na kaya mo naman, at yung mga magulang ko ay may nanailaman,

bakit naman pag-alam mo naman?

Yes.

Importante point yun.

Ayan, okay.

And then, aside from the financial responsibilities of litigation, ay syempre nandyan din ang emotional and time pressures.

At emotional support and time pressures na dito kailangan natin imigay, no?

So, binamarriage na kaming stress from multiple caregiving roles.

Kasi nagka-alaga pa na ng anak mo na tinuturuan mo sa assignment niya, tapos magpapagamot ka pa doon sa mga magulang mo.

O, di ba?

Aloha!

Sa mga serviceman, naisip ko dyan, kapag nasa second generation ka kasi, at bibigyan ng advice sa mga magulang mo,

it's always treated with emotions, di ba?

Kasi parang pwede sila maging defensive, and it happens a lot of times.

Na parang dahil lang sa ngayon, dependent na ako sa inyo, kailangan ko ng pag-alam.

So, even if it's coming from a good place, yung advice and guidance ng mga anak to their aging parents,

sometimes not received well.

At saka, ano na kasi, so nang to'o lang kapag tumatanda din ay medyo mas emotional sila, mas sensitive sila.

Tumudin po!

Ayun po, alam ko yun. At talagang sabi nga, gumabalik ka, di ba?

Mga ganyan, okay?

And then, of course, we want to try to find quality time for yourself and for your relationships around you.

And you want to cope with emotional demands from your family members.

Siguro, sir Vince, how do you find time?

Dahil siyempre, ikaw din, while mga pamangke, for example, at mga magulang, how do you find time to balance it all?

Actually, ang gagawin mo, kasi sa buto'o lang, at at the end of it all, ito naman ay para tayo ay sumaya, di ba?

So, ginagawa mo ito para sumaya tayo.

So, invest tayo ng oras sa mga gawain na makakapagpasaya sa atin at saka sa mga nakapalitid sa atin.

And talagang, ang gagawin mo rin dyan ay you have to find time for yourself first

before you can also give time to others.

Kasi kung hindi ka emotionally strong, hindi ka emotionally prepared, hindi ka headstrong,

or heartstrong, sabi nga ng mga atin, mga valuable players natin, ay ikaw din yung mahihirapan.

So, yan. Okay?

So, balance your career and personal life.

So, merong financial support, merong tayong emotional, tapos merong magkarirong na nila manage.

Diyos ko dahil, miramp naman, ano?

So, maintaining the job performance and maybe your family responsibilities.

Maghahatid ka ng estudyante sa paaralan, tapos meron ka pa ipaka-check up sa ospital,

at papasok ka pa.

Oo, diba?

Yan.

And then, there's also limited, eh ngayon pa, nakakalimited ng opportunities for career advancement.

So, we really have to juggle work hours, caregiving, and household tasks.

Yan.

Diba?

So, yan.

And then, we also want to plan for our own retirement.

So, building a sufficient retirement.

Nest egg.

Oo.

Bakit ba yung tinawag ng nest egg siya?

Ayan.

So, tinawag siya ng nest egg kasi...

Actually, nakirius din ako dito, eh.

Kasi, bakit nga ba nest egg, ano?

Kasi, yung mga farmers pala...

O, ito muna. Totoo ito.

Yung mga farmers pala ay nag-iiwan daw ng itlog sa tinahim, no?

Kapag siya ay nanging itlog.

To encourage the hen to lay more eggs.

So, in a sense, parang kapag nag-iiwan ka ay magdadami.

Magdadami.

Parang ganun yung chika niya.

Kaya pa na siya nest egg.

Yung malaki pala talaga dapat siya, no?

So, yan yung nest egg natin.

At yung nest egg natin ay ito yung ating tingitinan, no?

So, yung nest egg natin, it should be our net worth.

Net worth multiplier times monthly expenses.

So, ito nakikita ninyo ngayon, ano?

Mayroon tayong net worth multiplier dito.

So, ito yung tatanong natin kung magkano ba dapat yung neron ko?

Magkano ba dapat yung nest egg ko?

So, sir Vince, ang gagawin mo dyan ay yung monthly expenses mo.

Dapat alam mo yun, diba?

Imamultiply mo yun ng net worth based on your age.

Ito yung net worth multiplier, no?

So, kung mara ikaw, ilang taon ka na?

Thirty-five.

Ako na, e.

Thirty-four years old ka na.

Thirty-four years old ka na.

Ang net worth multiplier mo ay twenty-two.

So, twenty-two.

So, twenty-two, pare, is your monthly expenses.

So, kung monthly expenses mo ay twenty thousand pesos.

So, dapat ang nest egg mo ay nasa four hundred forty thousand pesos na

by the time that you reach thirty-four years old.

Eh, ito lang sa real age mo.

Kung twenty-eight.

So, for a twenty-eight years old ka,

ang net worth multiplier dyan ay ten.

So, kung ang ginagastos mo,

eh, kung mara magastos ka naman,

fifty thousand pesos per month ang ginagastos mo.

So, fifty thousand times ten,

dapat meron kang five hundred thousand pesos

as your nest egg.

O, dito lang tayo sa mas pataas.

Yung mga tito natin.

Ito, sixteen lang.

Dito tayo sa mga forty-five.

Forty-four na yan. So, forty-four years ka.

So, fifty, no?

Fifty ang kanyang net worth multiplier.

So, times the monthly expenses.

So, kung kung mara yung monthly expenses niya ay

twenty-five thousand pesos,

magkano yun?

One point twenty-five million ka.

Paano?

Kahit nga tayo.

So, twenty-five thousand

times fifty ay

one point twenty-five million.

Galing ko talagang.

So, yeah.

So, we really have to plan for our retirement.

And we have to anticipate

our potential

long-term care needs.

At saka,

in-ensure din natin ang ating financial stability

in our post-retirement years.

Ano yung long-term care needs?

O, yung mga long-term care needs

kasi natin, ito ay kapag nag-retire na tayo.

Katulad ng mga

needs na binibigay natin

ng sandwich generation sa mga magulang.

Yung medical

attention, yung ating

pagpabahay,

yung ating daily needs.

These are our long-term care

needs.

So, ito yung mga dapat natin ang paplanuhan natin

aside from

the current na pinaproblema natin

ng ating mga anak at ating mga magulang.

Handa ka na bang lumevel up

sa savings mo?

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