Ang daming mga Pilipino ang lubog sa utang. Karamihan sa kanila attached na kay Badet! Sino si Badet? Sya yung Bad Debts mo na hindi mo maiwan! In this episode I invited Coach Efren Llamas Cruz. He's a Registered Financial Planner, my mentor and the Chairman of Personal Finance Advisers. Coach Efren is also one of the pioneers when it comes to the topic of Personal Finance in the Philippines! Listen to this ahead of time by following Pera & Purpose Podcast on Spotify: http...