00:36.9
Nagpapasay responsibility to take care of the home sa mga anak nila.
00:41.9
Actually, ano na yan sa atin.
00:44.9
Reflecting na siya.
00:45.9
Kasi sa iyo, dependent.
00:49.9
Half-half yun agad.
00:53.9
20% yung nagsabi.
00:55.9
Yes, pero sila ang gumagasto sa bahay.
00:59.9
And I think this one would reflect ito tingin ko yung mga pensioners.
01:04.9
Or baka ito yung mga hindi pa nagsisenior citizen pero may mga anak na working or earning na.
01:12.9
Earning pa rin sila.
01:14.9
Earning pa rin sila.
01:15.9
At saka mga pensioners tingin ko.
01:17.9
At mas mataas pa nga yung sweldo nila.
01:20.9
Actually, sana ito ang norm na.
01:24.9
Yes, kasama natin sila.
01:26.9
At sila yung gumagasto sa bahay.
01:28.9
Ayun, kung kayo po ay gusto yung makasama yung mga magulang sa bahay.
01:33.9
Kasi sa akin talaga, mga two weeks na kasimunod.
01:39.9
At 13% yung nagsabi.
01:42.9
Yes, they live together.
01:45.9
Pero kanya-kanya sila ng gasto.
01:48.9
Ito sir, kung pinasama sa ako ito, this is around 76%.
01:52.9
So dalawa out of every three na mga natanong natin ay kasama yung mga magulang nila.
02:01.9
So three out of four.
02:04.9
Three out of four.
02:07.9
Yung kasama ang kanilang mga parents.
02:11.9
Which is close to showing kung paano yung family dynamics talaga.
02:18.9
At 19% yung nagsabi.
02:20.9
No, bumibisita lang sila.
02:25.9
At actually, sa May 20, tayo naman ang bubisita sa kanila.
02:30.9
Basta pa ang buong Selfie Family dahil 50th anniversary ng aming mama at papa.
02:36.9
50th Golden Anniversary.
02:40.9
Alam mo na, yan yung goal natin.
02:45.9
At syempre, hindi natin makalimutan ay mag-Happy Advance Mother's Day nila tayo.
02:50.9
Kailang inay, at saka kay...
02:54.9
At kay DJ, kay Sase, kay Cash, kay Nainay, at saka kay Apo.
03:00.9
Mga nanay talaga.
03:02.9
Sila ang tunay na bayani.
03:04.9
On Sunday po, huwag natin kapag bumabati.
03:09.9
Hindi na naman niya ako pinapatapos magsalita, diba?
03:17.9
Ang account ako with my parents.
03:33.9
Addressing elderly parents' expenses.
03:35.9
So, assessing our parents' health fund.
03:38.9
Kailangan talaga natin mas titignan natin yan.
03:43.9
Yung ating health fund para sa ating mga magulang.
03:48.9
Different servings ng health fund.
03:50.9
Sa health insurance.
03:51.9
Ayun. Kasi kapag health insurance, ang binabayanan natin ay premium natin mismo.
03:55.9
Alam ko, walang mangyari.
03:59.9
And unfortunately, kapag kung kasi matanda na ating in-insure for health,
04:04.9
napakataas na ng premium.
04:07.9
Tapos ang dami pang mga exclusions.
04:12.9
Ako, not pre-existing.
04:16.9
Ano ba yung mga not pre-existing conditions ng mga magulang natin?
04:20.9
Parang 75% ng mga sakit ay tanggal na.
04:24.9
So, para sa akin, kung hindi ka nakapag-invest for your health insurance at an early age,
04:30.9
ay mas maganda na health fund na lang.
04:33.9
Itong health fund naman, instead na yung ibabayad mo sa mahal na insurance premium,
04:39.9
ay itatabi mo na lang ito as a separate savings account as health fund for your parents.
04:45.9
Parang anytime naman mayayari sa kanila,
04:47.9
kahit anong sakit yan, saan man sila ma-hospital, magagamit mo yung buong mera.
04:52.9
Of course, mas maliit talaga yung magiging makukuha mo doon.
04:55.9
Pero, sure tayo na walang exclusion.
05:00.9
Exploring government programs.
05:03.9
Example ay PhilHealth Senior Citizen Benefits.
05:09.9
Ano sa palagay mong servisyong tungkol dyan sa Universal Basic Pension?
05:13.9
Oo. Actually, talagang dapat kasi para sa akin,
05:18.9
sa kalagayan ng mundo ngayon,
05:21.9
hindi talaga equal ang paglago ng pera in such a way.
05:25.9
Nakakayanin ng mga mahihirap na isupport.
05:28.9
Suportahan ang kanilang pagkanda.
05:30.9
Kaya ako ay supporter ako ng Universal Basic Pension.
05:34.9
Which means, kapag ikaw ay naging senior citizen na,
05:38.9
ay dapat mayroon tayong minimum na pension para doon sa mga elderly.
05:44.9
Kahit mayamad ka man or mahira.
05:47.9
Actually, meron tayong yan.
05:49.9
Alam mo kung magkara?
05:51.9
My God, Php 1,000 per person.
05:54.9
Parang aloka, di ba?
05:56.9
Anong kakaya ng Php 1,000?
05:58.9
So, para sa akin ay dapat maging equivalent yan ha
06:02.9
ng minimum wage para sa akin.
06:04.9
So, ang minimum wage natin ay mga sa Php 11,000-12,000 dito sa Metro Manila.
06:09.9
So, Php 1,000 per senior citizen.
06:11.9
So, at magandang tulong na yun
06:14.9
para talagang matiwasan naman ang pagkanda ni Lolo at Lola.
06:19.9
And then, you also have to discuss your shared financial responsibilities
06:25.9
with your siblings.
06:27.9
Hindi po dapat na ikaw lang yung papasan ng mga financial obligations.
06:32.9
Sir, it's a difficult conversation in most families.
06:35.9
So, how do you propose na gawin yan ng isang individual,
06:40.9
isang pamilyadong tao?
06:42.9
Sa totoo lang, hindi lang naman lahat ng resources natin ay nasa pera.
06:47.9
Meron dyan, ako lang ang pera pero sa gana sa oras.
06:51.9
Hindi sila ang mag-alaga, di ba?
06:53.9
May mga ganon yung mga pupwede natin gawin.
06:56.9
Ako yung magbibigay ng pang medisina, pang araw-araw
07:03.9
pero hindi bang ikaw naman ang magbibigay ng oras para alagaan si mama?
07:09.9
So, pwede yung pag-usapan.
07:11.9
At sa totoo lang, masyado natin nilalagyan ng presyo, pera.
07:16.9
Pero sa totoo lang, mas mahirap yung pagbibigay ng oras at emotional support for that.
07:22.9
Nakakalaki ko ng halaga na bagay na yan.
07:25.9
Pag yan, yung bibigay natin. At tingin ko, mas ma-appreciate pa.
07:29.9
And then, identifying resources for legal and healthcare advice.
07:35.9
So, we really have to consult with lawyers for estate planning kapag tayo ay nandito sa sandwich generation.
07:42.9
So, pagkano, Sir Vince, kailan ka dapat konsulta?
07:45.9
Actually, ang pinakamaganda na pagkonsulta sa mga estate planning na yan,
07:49.9
ay kapag buhay pa ang lahat.
07:54.9
At saka habang wala pang nangyayari, pag-desisyonan nyo na bilang pamilya.
08:01.9
Huwag yung kapag may namatay na, saka pa lang tayo mag-uusap-uusap.
08:06.9
And then, mag-coordinate tayo with our healthcare professionals
08:09.9
and access natin yung ating community-based resources and services.
08:14.9
At sa totoo lang, yung mga tiko-tika namin, talagang kahit na sila ay naging citizen abroad,
08:21.9
ay talagang bumalik pa rin ng Pilipinas kasi iba talaga yung community nito.
08:25.9
Nakita ko, mga Catholic Women's League, mga Nun of the...
08:33.9
Legion of Mary, mga ganyan. Iba yung nakupuha nila doon.
08:38.9
Importance of communication within the family.
08:40.9
Of course, we have to openly discuss financial expectations and responsibilities.
08:45.9
Lahat naman po ay nadadaan sa paliwana.
08:48.9
But how do you do that?
08:50.9
May mataas na friction within the family.
08:53.9
How do you establish that open communication?
08:57.9
Correct. Wala talagang escape d'yan. Talagang kailaman mong harapin.
09:02.9
So, ang maganda siguro ay isaisalit mo yung bawat members of the family
09:07.9
para makuha mo ang bawat sides tapos saka tayo kumunta as a whole.
09:12.9
So, that's one strategy.
09:14.9
And then, we also want to collaborate on financial decisions and plans.
09:17.9
So, huwag lang ikaw. Ikaw naman pala diktador.
09:20.9
Hindi naman ibig sabihin na ikaw may pera. Ikaw na lahat ang magledesign.
09:24.9
And encouraging family members to improve their financial literacy.
09:31.9
And of course, at the end of it all, kailangan talaga na you have to take care of yourself
09:35.9
and your loved ones in that order.
09:39.9
Di ba? So, you have to take control of your financial situation.
09:44.9
You have to be proactive in planning and decision-making.
09:48.9
And recognize the value of each of your family members' efforts.
09:54.9
Sir, isang nakikita ko dito na tricky situation.
09:57.9
Kapag tayo ay inaalaga sa sarili natin, sometimes there's a feeling of guilt.
10:02.9
Di ba? Nakaroon, ito, itinigay ko na lang dito, itinigay ko na lang dito,
10:06.9
hindi na lang ako nag-sue me, hindi na lang ako nag-sue my landlord,
10:09.9
siguro mas malaki yung pera.
10:11.9
But, how do you reconcile that?
10:13.9
Talagang ganyan eh. Bolo nga tawag itinin.
10:16.9
Balancing, you only live once, at saka you also grow old.
10:23.9
Di ba, balance mo yan with bolo.
10:25.9
So, balancing obligations and luxuries.
10:29.9
Balancing of luxuries and obligations.
10:32.9
So, mayroon kasi silang mga financial responsibilities.
10:35.9
So, ito muna, itignan natin, financial responsibilities.
10:38.9
So, ang very obvious dyan is we cover the expenses of our parents living with us.
10:44.9
Ito yung both the living expenses, pagkain, tubig, kuryente, and health care costs.
10:50.9
Yung health care costs pa yan, mayroon tayong regular check-up, mayroon regular maintenance.
10:56.9
Ang post-pandemic, ang nakatakot po natin lahat ay ang medical emergencies.
11:01.9
Very peculiar yung sa akin, kasi ang nangyayari sila, mama at papa,
11:07.9
ay covered ng health care system sa US.
11:10.9
So, when they're in the US, they're really taken care of.
11:13.9
So, yung mga medical emergencies, kumbaga,
11:15.9
ay bago pa maging emergency, napag-planuhan nga ng health care system nila
11:20.9
at nag-imprevent it.
11:23.9
So, ipapano na i-schedule kung kailan sila o operahan.
11:27.9
Dito kasi sa Pilipinas, kailangan ma-stroke ka muna bago ko operahan.
11:31.9
Doon, mayroon ng extensive testing system
11:36.9
at matikita nila na bago pa ito ma-stroke, bago pa ito ma-heart attack,
11:41.9
operahan na natin kasi may mga bara-bara.
11:43.9
At in-schedule yun, sir?
11:47.9
Tapos, nandito sila sa Pilipinas.
11:50.9
Ngayon, paano naman yung health care coverage nila in that regard?
11:55.9
Ang nangyayari naman, which is very good,
11:57.9
ay kumuha kami ng travel insurance.
12:00.9
That's good for one year.
12:01.9
So, pag nandito sila, they're covered by the travel insurance.
12:05.9
So, any medical emergencies na mangyari,
12:07.9
covered yun ng travel insurance that we got from the US.
12:10.9
Aside from that universal health care benefit
12:14.9
na nakukuha din nila dito sa Pilipinas.
12:16.9
Kasi sila po ay triple citizenship.
12:20.9
Senior citizen, American and Filipinos.
12:25.9
And then, we also provide for that.
12:27.9
They also, the Sandwich Generation also provides for
12:30.9
the children's basic needs and educating.
12:34.9
Bakong hirap niyan, no?
12:35.9
Para tumarihan, anong hubunahin mo
12:37.9
ang gamot ng ni mommy, ni daddy, or ang pag-aaral ng ana?
12:42.9
Napakasaktlan niyang position to be in, no?
12:46.9
To make that decision.
12:48.9
Kasi, maraming sa ating mga Pilipinong
12:51.9
na yan talaga, araw-araw,
12:53.9
ang hinaharap na desisyon.
12:55.9
Totoo siya, diba?
12:56.9
So, ikaw, anong hubunahin mo?
12:58.9
Parang sophist choice siya, no?
13:00.9
Ako, I'm just happy na, unfortunately,
13:03.9
na hindi dumaan sa iyong kailangan mong magmamili.
13:07.9
But kung pipili ng isa lang,
13:10.9
I think I would lean toward health
13:15.9
rather than education.
13:17.9
Education, I think, kaya na.
13:19.9
No, walang paraan.
13:20.9
But yung health, it leads to determination.
13:25.9
At saka, yung education kasi,
13:27.9
marami naman paraan para maging free yan.
13:31.9
At ang health talaga ay mas challenging.
13:34.9
So, and then, yung balancing act nga, no?
13:37.9
ng personal financial goals mo
13:39.9
at yung obligations mo, diba?
13:43.9
Parang ikaw, nagigilty ka na manood ng sinig
13:46.9
kumain sa Jollibee,
13:47.9
na alam mo na may maganditong gastusin sa bahay,
13:49.9
kailangan na ni mama at papa mo,
13:51.9
akaya ng mga anak mo.
13:53.9
Tapos, yung mga service, mag-backtrack lang tayo.
13:55.9
Sino ba talaga dapat ang may responsibilidad?
13:58.9
Sa mga magulang, diba?
13:59.9
Lalo na yung mga aging parents,
14:01.9
for example, magtepensyon na,
14:03.9
or citizenship na.
14:05.9
Actually, ang may responsibilidad talaga sa mga magulang
14:12.9
Gayaan lang po nang punataba.
14:14.9
Unfortunately, dahil na sa kahirapan natin dito sa Pilipinas
14:18.9
at siya pa sa hindi maayos na social welfare
14:23.9
mula sa gobyerno,
14:25.9
ay naipapasa ang bigat ng iyan sa mga anak.
14:29.9
So, ako talaga, ang sagot ko diyan ay
14:32.9
sa totoo lang, responsibilidad natin
14:34.9
ang sarili natin.
14:36.9
So that goes to our parents.
14:39.9
Pero, when you find yourself
14:42.9
in a position na kaya mo naman
14:44.9
at yung mga magulang ko ay nangangailaman,
14:47.9
bakit naman pabalabot natin?
14:50.9
So, important yung point yun.
14:54.9
And then, aside from the financial responsibilities
14:58.9
ay syempre nandyan din ang emotional and time pressures.
15:02.9
At emotional support and time pressures
15:04.9
na din kailangan natin ibigay.
15:06.9
So, binamarriage natin yung stress
15:08.9
from multiple caregiving roles.
15:11.9
Kasi nagka-alaga pa na ng anak mo
15:14.9
na tinuturuan mo sa assignment niya.
15:16.9
Tapos, magpapagamot ka pa doon sa mga magulang mo.
15:21.9
So, my service of marriage, naisip ko dyan,
15:24.9
kapag nasa son of generation ka kasi
15:26.9
at bibigyan ng advice sa mga magulang mo,
15:29.9
it's always treated with emotions.
15:33.9
Kasi pwede sila maging defensive,
15:34.9
and it happens a lot of times.
15:36.9
Parang dahil lang sa,
15:38.9
ngayon dependent na ako sa inyo,
15:40.9
kailangan ko nang upang alam.
15:42.9
So, even if it's coming from a good place,
15:44.9
yung advice and guidance na mga anak
15:48.9
to their aging parents,
15:50.9
sometimes not received well.
15:53.9
At tsaka ano na kasi,
15:54.9
sa noto lang na pagtumatan dati,
15:56.9
medyo mas emotional sila, mas sensitive sila.
16:00.9
Ako, ayun po, alam ko yun.
16:02.9
At talagang, sabi nga, gumabalik ka.
16:06.9
And then, of course,
16:07.9
we want to try to find quality time for yourself
16:11.9
and for your relationships around you.
16:14.9
And you want to cope with emotional demands
16:16.9
from your family members.
16:19.9
Siguro, Sir Vince,
16:20.9
how do you find time?
16:21.9
Dahil, syempre, ikaw din,
16:23.9
while magpamangke, for example.
16:25.9
Tapos mga magulang,
16:26.9
how do you find time to balance it all?
16:29.9
Actually, ang gagawin mo,
16:31.9
kasi sa noto lang,
16:32.9
at attend your people,
16:33.9
ito naman para tayo ay sumaya.
16:36.9
So, ginagawa mo ito para sumaya tayo.
16:38.9
So, invest tayo ng oras sa mga gawain
16:41.9
ng kakapagpasaya sa atin.
16:44.9
At saka sa mga nakapalitid sa atin.
16:47.9
ang gagawin mo rin dyan ay
16:49.9
you have to find time for yourself first
16:53.9
before you can also give time to others.
16:56.9
Kasi kung hindi ka emotionally strong,
16:58.9
hindi ka emotionally prepared,
17:00.9
at hindi ka headstrong,
17:03.9
saking mga atin na yung valuable players natin,
17:06.9
ay ikaw din yung mahikirapan.
17:10.9
So, balance yung career and personal life.
17:12.9
So, merong financial support,
17:13.9
meron tayong emotional,
17:14.9
tapos meron ka mag-career na nila manage.
17:17.9
Diyos ko na, yung hirap naman.
17:19.9
So, maintaining the job performance
17:21.9
and maybe your family responsibilities.
17:24.9
Maghahatid ka ng estudyante sa paaralan,
17:27.9
tapos meron ka pa ipapacheck up sa ospital,
17:31.9
at papasok ka pa.
17:34.9
And then, there's also limited,
17:37.9
nakakalimited ng opportunities for career advisement.
17:40.9
So, we really have to juggle work hours,
17:42.9
caregiving, and household tasks.
17:47.9
Handa ka na bang lumevel up sa savings mo?
17:50.9
Join the SEDPICA Social Community
17:52.9
and get started to be a social investor today.
17:56.9
Umattend ng self-paced online pre-membership education seminar.
18:00.9
Mag-sign up sa bit.ly slash sedpicoop.pmes now na!
18:07.9
I-deposit ang iyong initial share capital,
18:10.9
at joint venture savings sa Gcash,
18:12.9
BDO Online Banking,
18:14.9
BPI Online Banking,
18:17.9
or Direct Bank Deposit.
18:19.9
Daming options, diba?
18:21.9
Sundin ang simple instructions sa bit.ly slash sedpipay
18:24.9
para makapagsimula.
18:27.9
Mag-login sa iyong SEDP SRI online account
18:30.9
at ipaalam ang inyong deposit.
18:32.9
Go to bit.ly slash sedpionlinesri
18:36.9
at kami na ang bahala sa iyo.
18:39.9
Ano bang inihintay mo?
18:40.9
Sali na sa SEDPICA Sosyo ngayon
18:42.9
and let's start building a brighter financial future together.
