Millennials Share Their Hacks To Fearlessly Navigate Adulthood | Filipino | Rec•Create
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So growing up, parang, wait, ito na ba to?
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Looking back on your journey, what was the most significant adulting obstacle you encountered?
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Ang frustration ko kasi before is, parang walang nasusunod sa timeline ko, yung goal setting ko talaga.
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I was once working on my dream network.
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And sobrang sabi ko, ah okay, I'm here na, so gagalingan ko na.
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Pero nung nandun na ako, nagka-pandemic.
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Baka mamaya biglang kailanganin namin ng parents ko ng money,
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or hindi naman pwede na every time magdadepend lang ako sa dad ko or sa sisters ko.
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Let's face it, nung nangyari yung COVID, all of us are really unprepared.
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Hindi natin alam kung magkakatrabaho pa tayo, kinabukasan eh.
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And that, well, that happened to me.
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Everything runs with pera.
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Pag wala ka talagang hirap mag-function.
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Iba-iba kasing surviving.
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But eventually, siyempre yun nga, nung nagka-pamilya na, parang na-feel ko, ay, parang, bakit ganun?
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Parang kinukulang. Parang isang kayag-isang tuka.
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My dad actually passed away early.
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At that time, I was the only one working, so I had to take on some responsibilities
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to help my mom in supporting my younger siblings.
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Siguro it's balancing everything.
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Kasi you have a lot of roles.
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So at some point in time, medyo makakalimutan mo na, ano ko?
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Di ba parang mother ba talaga ako?
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How can I marry it all?
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And how can I be good at all those roles?
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Kasi society dictates to us sometimes, kung by this age, you have to have this, you have to be married, you have to have kids na ganyan.
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It's really better to have one goal at a time.
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Ito, ito yung goal ko. Kailangan ko siyang magawa.
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Kasi pag hindi, hindi magiging worth it lahat ng hirap ko.
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So I always have to go back to our why and our definition of our own success.
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With fear of uncertainty.
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Parang for me kasi, hindi naman lahat talaga is within our control.
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With those uncertainties, talagang nagsisit down ako.
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Quiet time, yung tawag ko doon.
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Am I scared kasi dumapagbayad ng rent?
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Okay, on a business setting, we do planning.
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And then I realized, why don't we apply it to ourselves?
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Bakit hindi tayo mag-planning also, di ba?
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From then on, I started doing that na year on year.
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What are my goals this year? Na-achieve ko ba siya?
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Kung nagkukulang, okay, dapat may emergency fund tayo, ganyan.
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O eto, travel fund.
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O eto yung pang-eat out.
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O eto, pang-wants natin yan.
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Kahit na, you cannot plan naman talaga.
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But if you have savings, di ba?
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Medyo, hindi kakakaba-kaba.
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Have you ever experienced an unexpected life event that you weren't prepared for?
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I think when 2016, our mom was diagnosed with cancer.
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That's one of the things talaga that...
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our family was not prepared for.
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Not just the expenses, but also, isa yung may sakit.
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But everybody is really affected.
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Mabuti din sa point na naubos yung savings.
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Kasi I have to send this and this.
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Sobrang nakaka-trigger kasi ng anxiety kapag naubos, pag nawawala.
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From that experience, ano yung mga realization na you got when it comes to preparedness?
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Mayroong sinabi sa akin yung English teacher ko, back in second year high school pa,
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na life would always be a matter of preparation.
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Pinanghawakan ko yun.
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Kung asan ka mamatay.
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Ito naman, Ma'am Carbonell.
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I think for the case of my mom, it would have helped if she had a critical illness benefit insurance.
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We didn't have that.
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Importante din talaga na meron kang mga insurances that you know you will be able to use.
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Or just so that you have a peace of mind.
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Halimbawa, mauna ako sa parents ko, ganyan.
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Or sa mga sisters ko.
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Parang ayoko na ibigay sa kanila.
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Pati ba naman yung kukuhaan nila ng money, iintindihin pa nila.
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Parang malungkot na lang sila, ganyan.
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Parang it's a basic need.
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It's something that everyone should have.
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Doesn't matter kung gano'ng kalaki yung coverage.
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Basta you have it para you also have a sense of security na whatever happens to you,
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merong support that you can claim from your insurance.
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If you get diagnosed with a certain disease, heart attack, cancer, or whatever,
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they will give you an amount of money to be used for your treatment.
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Do you wish she could have gotten insurance earlier?
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Medyo naisip ko siya na sana para earlier.
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Especially nung medyo na-open na yung eyes ko on investment.
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Kasi tumatanan yung parents ko.
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Hindi naman forever stable yung trabaho.
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And you wouldn't know kung ano pang anticipated things or events na pwedeng mangyari.
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I just wanted to take this time to talk to you about what AXA Philippines right now is offering.
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So right now they offer a product called My Life Choice.
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So it's an all-around flexible insurance plan that fits your budget.
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So it covers your life.
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It covers your health.
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It covers your health.
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And at the same time, it also has an investment fund that could help you for your planning for your future.
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What do you think of this?
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Na there is an insurance plan that does all of that.
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Ay, kung may pera pa, gaglab ko yan.
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I think that's a good starting point for someone who's just starting to maybe earn their own money, diba?
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Sobrang good deal na siya.
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Makakapag-save na kayo ng time to discuss.
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And ikaw din, parang hindi mo na i-worry na iba-iba pa yung pagkukuhaan mo ng insurance.
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And it would be really great.
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Kung marami tayong channel to broadcast it to most people.
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Ano nga ba ang apprehension ng mga tao sa insurance?
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Okay, so I used to be a financial advisor as well.
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Basically, yung mga na-encounter ko na apprehension when I discuss insurance is that I don't have budget for it.
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I don't understand it.
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It's complicated.
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Parang may general pa na negative connotation pag sinabing aalokan ka ng insurance.
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Ibig sabihin, aalokan ka ng gastos.
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Yung other people, they think na it's a scam.
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Which is hindi naman siya scam.
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Panawagan lang or like, you know, PSA lang.
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Kasi siyempre pagka bata tayo, we don't think about the importance of insurance.
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Kasi we feel na bata pa naman ako and so and so forth.
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I think it's a backup plan.
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Something na pwede mo talagang balikan pag wala ka na.
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In your opinion, what is the most crucial aspect for individuals your age to possess as they begin earning money?
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Hmm, I think self-control is really one of the keys to be efficient in life.
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And effective when it comes to money.
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Lalo ngayon, open na yung mga tao sa pag-heal ng inner child.
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So, pag nakahanap na tayo ng money to heal that inner child, dun talaga parang papasok na na ma-maximize na natin lahat ng finances natin.
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Huwag tayong maging one-day millionaire kasi mas maganda if as early as the first year that you have your job,
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you already know where you want to take your finances.
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In the age of social media, a lot of people right now are quite pressured.
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Si Gantun nasa LU.
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Uy, si Gantun nasa ano?
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Uy, si Gantun nasa US.
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When you start earning money, also invest in yourself.
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Inaaral siya, hindi siya ina-snap.
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Pag-ising mo, ay responsible na ako, smart na ako. Hindi. Inaaral talaga siya with life events.
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For me, every time I make a decision, ang unang tinatanong ko sa sarili ko is, will this lead me to my goal?
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I don't believe in failure. Kasi once na I try something, I know that I learned something.
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Pero at the same time, huwag mo rin namang sobrang tipirin yung sarili mo.
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You have to find that sweet spot and balance na you enjoy, but not too much, and you save for the future.
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At the end of the day, it's really just gonna be you. It has to be you.
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It's okay to ask help sometimes, but it's better na you're prepared, you have plans, you have goals.
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At some point na kapag save ka na lang ang resources mo.
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Kasi at the end of the day, hindi naman lahat available for you eh, whenever you need anything.
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It might seem and sound scary, pero posible siya.
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Kasi ako na yung living testament nun.
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Hindi naman din na-de-define on financial situation yung success eh.
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Para ang pinaka-importante rin about life is, alam mo kung ano yung magpapasaya sa'yo.
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And alam mo kung paano dalhin yung sarili mo on that path.
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Living, as it is, is very hard already. So try to enjoy it, but enjoy it responsibly.
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Alright, that's it. Thank you so much.
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Thank you so much.
