Personal Finance Advisers Philippines Corporation

11/10/2026

Catch us LIVE on Panalong Diskarte now as we talk about "Spend Now, Save Later? Pinoy Money Habits ang Dahilan ng Paghina ng Piso Ayon sa BSP"!

10/10/2026

I asked ChatGPT this question: In an environment where the majority are having to worry about where their next meal is coming from, would you rather be one who is just getting by or one who has so much money that he does not know where to put it?
The answer: I would rather be the one who has so much money that he does not know where to put it—but with one important qualification: *I would want to have enough money to live comfortably, preserve my dignity, and help others without sacrificing my own financial security.*
Here is why.
When the majority of people are worrying about where their next meal will come from, having money is not merely about luxury. It is about freedom from the anxiety of survival. It means being able to afford healthcare, educate children, withstand emergencies, retire with dignity, and make decisions based on what is right rather than what is immediately affordable.
But there is a deeper issue here.
*Poverty limits choices. Wealth expands them.*
A person who is barely getting by may have to accept an exploitative job, remain in an unhealthy relationship, or postpone necessary medical treatment simply because he cannot afford an alternative. His decisions are constrained by necessity.
A wealthy person, on the other hand, can afford to walk away from unfavorable circumstances. He can take risks, pursue opportunities, and devote time to things that matter to him. He has options.
Of course, wealth does not automatically bring happiness, contentment, or purpose. A person can have billions and still feel impoverished by comparison, insecurity, or an insatiable desire for more. Meanwhile, someone with modest means can enjoy a fulfilling life because his needs are met, his relationships are meaningful, and he knows when enough is enough.
But let us not romanticize poverty.
It is easy to praise simplicity when you have enough to eat. It is much harder to appreciate its virtues when you are deciding whether to buy food or medicine.
And it is equally important to recognize that extreme wealth exists alongside extreme deprivation not necessarily because wealth itself is wrong, but because the distribution of opportunities, resources, and economic power is far from equal.
Ultimately, I would distinguish between two objectives:
* *Being rich:* Having more money than you need.
* *Being financially secure and free:* Having sufficient resources to meet your needs, withstand adversity, pursue your aspirations, and help others without jeopardizing your own future.
The second is a more meaningful goal, although the first can certainly make it easier to achieve.
And if I were fortunate enough to accumulate wealth far beyond what I could reasonably use, I would see that as an opportunity—and perhaps a responsibility—to put some of it to productive use, whether through investments, job creation, education, philanthropy, or initiatives that help people become financially independent.
After all, money that merely accumulates serves its owner. Money that is put to good use can serve many.
*So, if the choice were between struggling to afford my next meal and having more money than I could ever spend, I would choose the latter without hesitation.*
But I would not measure the quality of my life by how much money I accumulated.
I would measure it by how much freedom that money gave me, how little I had to worry about survival, and how much good I could do with the opportunities it created.

10/10/2026

Thank you, Coach Cris, for sharing your expertise and valuable insights during today’s YAMAN Webinar! 😊

Some lessons that we’re taking with us:
1. Give a job to every peso.
2. If you're going to be generous, plan how you're going to be generous.
3. When you're borrowing, you're committing your future cash flow. Credit is not free money.
4. It's not the amount, but the discipline of doing it (on small savings i.e. student allowance).

Thank you as well to everyone who joined us for Day 2! Thank you to all the YAMAN Coaches™ who showed their support as well. We hope everyone picked up valuable insights and the courage to start no matter where they are in their financial journeys.

See you all again on October 17 at 9:00 AM for Day 3:

𝗬𝗢𝗨𝗡𝗜𝗤𝗨𝗘 𝗠𝗢𝗡𝗘𝗬 𝗦𝗧𝗬𝗟𝗘𝗦:
𝗨𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱 𝗬𝗼𝘂𝗿𝘀𝗲𝗹𝗳. 𝗠𝗮𝘀𝘁𝗲𝗿 𝗬𝗼𝘂𝗿 𝗠𝗼𝗻𝗲𝘆.
𝘄𝗶𝘁𝗵 𝗝𝗲𝗻𝗱𝗲𝗲 𝗦𝗮𝗽𝗼-𝗗𝗲 𝗚𝘂𝘇𝗺𝗮𝗻, 𝗥𝗙𝗣®, 𝗬𝗔𝗠𝗔𝗡 𝗖𝗼𝗮𝗰𝗵™

09/10/2026

Our next video for our Youtube channel

08/10/2026

📢 𝗜𝗠𝗣𝗢𝗥𝗧𝗔𝗡𝗧 𝗬𝗔𝗠𝗔𝗡 𝗪𝗘𝗕𝗜𝗡𝗔𝗥 𝗗𝗔𝗬 𝟮 𝗨𝗣𝗗𝗔𝗧𝗘

We have a schedule update for our upcoming YAMAN Webinar Series!

𝗗𝘂𝗲 𝘁𝗼 𝗮 𝘀𝘂𝗱𝗱𝗲𝗻 𝘀𝗰𝗵𝗲𝗱𝘂𝗹𝗲 𝗰𝗼𝗻𝗳𝗹𝗶𝗰𝘁, 𝘁𝗵𝗲 𝘁𝗼𝗽𝗶𝗰𝘀 𝗳𝗼𝗿 𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟭𝟬 𝗮𝗻𝗱 𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟭𝟳 𝗵𝗮𝘃𝗲 𝗯𝗲𝗲𝗻 𝘀𝘄𝗮𝗽𝗽𝗲𝗱. Please take note of the updated schedule:

📅 October 10 (Sat) | 9:00 AM
Day 2: Financial Wellness for the Season of Cheer
Smart Money Habits for Your Bonus and Holiday Spending
🎙️ Cris Santillan, AFP®, YAMAN Coach™

📅 October 17 (Sat) | 9:00 AM
Day 3: Younique Money Styles
Understand Yourself. Master Your Money.
🎙️ Jendee Sapo-De Guzman, RFP®, YAMAN Coach™

For Day 2, we’ll talk about practical money habits to help us prepare for the coming holiday season, make wiser decisions with our bonus, and enjoy the season without unnecessary financial stress.

We look forward to seeing you again on October 10 at 9:00 AM!

See you there!

08/10/2026

https://youtu.be/jOuCHjwzMe0

Enjoy the videos and music you love, upload original content, and share it all with friends, family, and the world on YouTube.

04/10/2026

𝗔𝗡𝗚 𝗛𝗜𝗥𝗔𝗣 𝗞𝗨𝗠𝗜𝗧𝗔. 𝗣𝗘𝗥𝗢 𝗔𝗟𝗔𝗠 𝗠𝗢 𝗡𝗔 𝗕𝗔 𝗞𝗨𝗡𝗚 𝗣𝗔𝗔𝗡𝗢 𝗞𝗔 𝗛𝗨𝗠𝗔𝗪𝗔𝗞 𝗡𝗚 𝗣𝗘𝗥𝗔?

We all have different habits, attitudes, and emotional reactions when it comes to money. Understanding your own money style can be the first step toward making better financial decisions.

Join Coach Jendee Sapo-De Guzman, AFP® as she discusses:

𝗬𝗼𝘂𝗻𝗶𝗾𝘂𝗲 𝗠𝗼𝗻𝗲𝘆 𝗦𝘁𝘆𝗹𝗲𝘀:
𝗨𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱 𝗬𝗼𝘂𝗿𝘀𝗲𝗹𝗳. 𝗠𝗮𝘀𝘁𝗲𝗿 𝗬𝗼𝘂𝗿 𝗠𝗼𝗻𝗲𝘆.

📅 October 10, 2026 | 9:00 AM

Discover what shapes the way you deal with money and learn how greater self-awareness can help you take control of your finances.

𝗥𝗲𝗴𝗶𝘀𝘁𝗲𝗿 𝗳𝗼𝗿 𝗙𝗥𝗘𝗘:
https://yamanwebinar.my.canva.site/

03/10/2026

Thank you, Coach Elmer Zabala of Money Coach Elmer, for sharing your expertise and valuable insights during today’s YAMAN Webinar! 😊

One message we’re taking with us: your greatest investment is knowledge. Today, we certainly invested in learning how to be more intentional with our money.

Thank you as well to everyone who joined us for Day 1! Thank you to all the YAMAN Coaches™ who showed their support as well. We hope everyone found the session valuable and inspiring.

See you all again on October 10 at 9:00 AM for Day 2:

𝗬𝗢𝗨𝗡𝗜𝗤𝗨𝗘 𝗠𝗢𝗡𝗘𝗬 𝗦𝗧𝗬𝗟𝗘𝗦:
𝗨𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱 𝗬𝗼𝘂𝗿𝘀𝗲𝗹𝗳. 𝗠𝗮𝘀𝘁𝗲𝗿 𝗬𝗼𝘂𝗿 𝗠𝗼𝗻𝗲𝘆.
𝘄𝗶𝘁𝗵 𝗝𝗲𝗻𝗱𝗲𝗲 𝗦𝗮𝗽𝗼-𝗗𝗲 𝗚𝘂𝘇𝗺𝗮𝗻, 𝗥𝗙𝗣®

02/10/2026

02/10/2026

𝗧𝗢𝗠𝗢𝗥𝗥𝗢𝗪: 𝗧𝗵𝗲 𝗬𝗔𝗠𝗔𝗡 𝗪𝗲𝗯𝗶𝗻𝗮𝗿 𝗦𝗲𝗿𝗶𝗲𝘀 𝗯𝗲𝗴𝗶𝗻𝘀!🎉

Feeling overwhelmed about money, unsure where to start, or simply looking for a clearer way to build your financial future? Join us for our first session:

𝗙𝗿𝗼𝗺 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗢𝘃𝗲𝗿𝘄𝗵𝗲𝗹𝗺 𝘁𝗼 𝗔𝗰𝘁𝗶𝗼𝗻:
𝗔 𝗦𝗶𝗺𝗽𝗹𝗲 𝟳-𝗦𝘁𝗲𝗽 𝗠𝗼𝗻𝗲𝘆 𝗦𝘆𝘀𝘁𝗲𝗺 𝘁𝗼 𝗦𝘁𝗮𝗿𝘁 𝗕𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝗪𝗲𝗮𝗹𝘁𝗵
📅 October 3, 2026 (Saturday)
🕘 9:00 AM – 10:30 AM
🎙️ Coach Elmer Zabala

We’ll kick off four Saturdays of practical conversations on money, financial readiness, and the decisions we face in everyday life.

𝗥𝗔𝗙𝗙𝗟𝗘 𝗣𝗥𝗜𝗭𝗘 𝗙𝗢𝗥 𝗧𝗢𝗠𝗢𝗥𝗥𝗢𝗪:
Three lucky attendees will have a chance to win 𝗮 𝟱𝟬% 𝗱𝗶𝘀𝗰𝗼𝘂𝗻𝘁 𝘁𝗼 𝘁𝗵𝗲 𝟯-𝗗𝗮𝘆 𝗜𝗻𝘃𝗲𝘀𝘁𝗼𝗿 𝗖𝗵𝗮𝗹𝗹𝗲𝗻𝗴𝗲, a guided 3-day activation designed to help people who understand the basics take that important first step toward investing. Winners will get the exclusive rate of 𝗣𝗵𝗽𝟰𝟵𝟵 𝗼𝗻𝗹𝘆.

💻 Join us tomorrow:
https://yamanwebinar.my.canva.site/

See you tomorrow! Let’s turn financial overwhelm into action!