Welcome to Episode 54 of The 80 Percent. Today, we’ll be helping out a listener who reached out and asked how she can get out of debt.

Of course, with me today is a special guest, Mr. Efren Cruz, who is a Registered Financial Planner, and the Chairman & CEO of Personal Finance Advisers Philippines Corporation. Dedicated ang episode na ito para sa lahat ng mga baon sa utang. I hope makatulong sa inyo ang mga ibibigay naming tips and advice.

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For the show notes, visit my blog post here.

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