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00:00.0
YOLO plus YAGO equals BOLO.
00:03.3
Ano ba yung mga acronyms na yan?
00:05.7
Yayaman ba ako dyan?
00:07.3
Sure ako makakatulong to sa'yo kaya nood na.
00:10.9
Paano ba ba achieve ang balance between YOLO and YAGO?
00:14.0
And please explain what is YOLO and YAGO to the people like me.
00:17.6
Ayan, so ang YOLO ang ibig sabihin ko niyan ay you only live once philosophy.
00:22.7
Wala nang bukas, makakulit na ko ni Lord
00:24.7
so kailangan ko na i-enjoy to the fullest ang life ko now na.
00:28.1
Paano ba yung related sa KOMO?
00:30.1
Fear of missing out din, may may pagkaganyan siya.
00:33.3
Tapos, yung YAGO naman ay you also grow old.
00:38.0
Parang times, mahaba-haba pa tayo dito sa mundong ito
00:43.4
kaya kailangan tayo ay mag-prepare din for our future.
00:47.8
So what we really need to do is to balance these two.
00:52.2
And ano yung lalabas kapag we balance these two?
00:55.7
Ang lalabas ko dyan ay BOLO or Balance of Luxuries and Obligations
01:02.2
to yourself, to your family, to the community.
01:05.8
So yan yung BOLO natin.
01:08.7
At yung BOLO natin, sasagutin lang natin yan.
01:11.2
Ano ba yung tanong dyan?
01:12.5
What makes you happy?
01:15.8
So balance YOLO and YAGO.
01:17.8
So plan your finances well.
01:19.4
Allocate a certain portion of your income for luxuries.
01:24.4
Tapos, certain portion of your savings and investments naman for YAGO.
01:28.9
So ano na yan, no?
01:30.5
Ito ay accounted for in our budgeting.
01:36.0
Yung 51520, yan ay YAGO.
01:39.3
5% insurance, 15% savings, 20% investments.
01:43.3
At yung YOLO ay yung 60% na expenses natin for our budgeting.
01:50.1
Live within your means.
01:51.6
Enjoy your life, but do not spend beyond what you can afford.
01:56.0
Sa survey siguro, pero pwede natin sabihin talaga dito,
01:58.4
to find joy in simple things.
02:01.4
Kasi kumunsan, nakakalimutan natin yan.
02:03.2
Actually, ang laki, yung gratefulness na mabuha natin,
02:08.5
o yung simple things that you actually enjoy doing.
02:12.2
At kung narin, ano no, yung mga pamangking ko, ganyan.
02:16.2
Actually, it was a very enlightening experience for them
02:19.5
last year when they visited.
02:21.6
alam ko naman si Tico yan,
02:22.8
bakit kami dito pinunta sa chikipay na hotel?
02:27.4
Talaga, yung pamangking ko, 9 years ago,
02:29.2
talaga sumimahot, diba?
02:31.7
At ako, nalang ka na nanghahot eh.
02:35.0
Kasi, sa atin parang natural lang siya, diba?
02:38.1
I had to explain it to them, no?
02:40.8
Na parang, unang-unat ay hindi naman kinakailangan
02:45.2
na gumastos tayo ng malaki para tayo ay mag-enjoy.
02:49.0
At nasabi ko sa kanila,
02:50.3
lalabas tayo, we will be enjoying nature
02:52.6
not El Nido po kami rin.
02:54.6
Enjoy, mag-enjoy nature.
02:57.1
At pagdating ating pabog na tayo,
02:59.0
what do you need an expensive hotel for?
03:02.3
Ang kailangan mo naman ay tulungan
03:03.8
and what matters is the time you spend together
03:06.1
and the memories you create.
03:09.0
Miss Universe na lang.
03:09.8
At sabi nila, the best vacation.
03:14.0
Kaya, boing-boing naman kasi parang
03:16.2
naluloko sila, bakit ganito?
03:17.8
Tapos pag tatapos lang,
03:19.7
oo, the best day ever!
03:21.7
Believe in it sila.
03:22.8
Mukha ko nang sugrabe, no?
03:25.4
Always think long-term
03:27.2
that you enjoy your life now,
03:29.2
but also prepare for your future.
03:32.2
Huwag mo naman ipayala ka, diba?
03:34.6
The one-time, big-time na.
03:37.0
Is to choose meaningful and productive retirement.
03:42.2
Ano yung sabihin niya, Sir Vince?
03:44.7
Meaningful and productive retirement.
03:46.6
It's not about age.
03:47.9
It's about having enough passive income
03:49.7
that covers expenses.
03:50.8
Tulad namin ni Sir Ed,
03:52.2
ay nag-financially retired, no?
03:54.6
Kaming ay 31 years old.
03:56.6
Ina-count ka na ba ngayon?
04:02.6
So, talo ay 12 years nang financially retired.
04:06.4
Ay 13 years na ito, no?
04:09.0
13 years na tayo na financially retired.
04:11.8
Pero alam nyo, ano lang yun.
04:13.2
Ang retirement fund namin,
04:15.0
hindi naman kalakihan.
04:16.0
Kasi hindi kami yung parang
04:18.6
every month nasa, ano tayo, ha?
04:21.0
Nasa parents or mga.
04:22.8
Hindi gano'n, eh.
04:24.0
Actually, sa amin,
04:25.3
magkulong tayo sa kwarto,
04:26.4
manood at kumain.
04:29.2
Kaya yun, yun yung tipo namin.
04:31.0
Parang talaga, diba?
04:32.6
Ang lulusog, diba?
04:34.8
Living the life to the fullest
04:36.5
and making a difference.
04:37.9
And not about stopping work to work.
04:40.1
Ako, but real talk pa lang tayo.
04:42.0
So, kung tayo ay nag-financially retired,
04:48.0
Matay lang tayo, gano'n?
04:49.0
Actually, hindi naman no na, no.
04:52.0
Parang teaching on the side.
04:53.0
Ah, teaching on the side.
04:54.0
And, ano yung full-time mo?
04:59.0
Napangisip mo talaga siya, ha?
05:03.0
Teaching almost everyday.
05:04.0
Ay, ganda ba naman sa mga gents
05:05.0
yung nakasapan natin?
05:07.0
parang 4 years na magkuturo
05:11.0
Tapos, picking up, you know,
05:13.5
bits and pieces of work.
05:14.5
Dahil, gusto ko lang, as a consultant.
05:16.5
Pero, nakakalungkot.
05:18.5
So, I found it like an empty life
05:23.5
Not doing something new.
05:26.5
Kasi, although first love niya ang valuable
05:29.5
at ako ay second lang talaga sa buhay niya,
05:31.5
tanggap ko lang po yun,
05:33.5
hindi enough yung valuable.
05:36.5
At hindi enough yung part-time lang.
05:38.5
Kasi kay part-time, parang,
05:39.5
seryoso ba yun na career?
05:41.6
Saka, ano lang yun,
05:42.6
yung part-time teaching ko
05:43.6
was like 6 hours in one week.
05:46.6
you have a lot of time.
05:49.6
So, yun, high and meaningful
05:51.6
and productive retirement.
05:52.6
It's not about stopping to work.
05:53.6
Living your life to the fullest
05:55.6
and making a difference, no?
05:56.6
And, you are going to share
05:59.6
your blessings with your loved ones
06:01.6
and the community.
06:03.6
Handa ka na bang lumevel up
06:06.6
Join the Sedpika Social Community
06:08.6
and get started to be a social investor
06:12.6
Umattend ng Self-Paced Online
06:14.6
Pre-Membership Education Seminar.
06:16.6
Mag-sign up sa bit.ly
06:18.6
slash sedpikooppmes
06:23.6
I-deposit ang iyong initial share capital,
06:26.6
at joint venture savings sa GCash,
06:28.6
BDO Online Banking,
06:30.6
BPI Online Banking,
06:32.6
or Direct Bank Deposit.
06:34.6
Daming options, diba?
06:36.6
Sundin ang simple instructions
06:38.6
sa bit.ly slash sedpipay
06:40.6
para makapagsimula.
06:43.6
Mag-login sa iyong
06:44.6
Sedpi SRI Online Account
06:46.6
at ipaalam ang inyong deposit.
06:48.6
Go to bit.ly slash
06:52.6
at kami na ang bahala sayo.
06:54.6
Ano bang inihintay mo?
06:56.6
Sali na sa Sedpika Sosyo ngayon
06:58.6
and let's start building a brighter
07:00.6
financial future together.
