Pinoy.PersonalFinance Podcast

Send us Fan Mail

What should you do when the stock market drops 20%, 30%, or even more? Should you sell your investments before things get worse, or stay invested and wait for the market to recover?

In this episode of the Pinoy Personal Finance Podcast, we’ll talk about why staying invested can be important for long-term wealth building, especially when the market gets uncomfortable.

Using a simple Apple iPhone discount analogy, we’ll explore why people love buying things on sale but often panic when their investments go on sale.

Here’s what you’ll learn in this episode:

• Unrealized Loss vs. Realized Loss: Understand the difference between a temporary decline in market value and selling an investment at a loss.
• The Cost of Selling Too Early: Learn why selling during a market downturn can make it harder to benefit from a recovery.
• Understanding Market Volatility: Discover why market declines are a normal part of investing, but not every decline is automatically a buying opportunity.
• Lessons from Past Market Crashes: Explore the Dot-com crash, the 2008 Financial Crisis, the 2020 COVID crash, and the 2022 market decline.
• The Importance of Diversification: Understand why different markets and sectors can experience different levels of losses and recovery times.
• 5 Principles for Long-Term Investing: Learn how time, compounding, inflation, consistency, and your future self can shape your financial journey.

The goal isn't to predict every market movement or ignore investment risks. It's to understand what you own, have a plan that matches your financial goals and risk tolerance, and make informed decisions even when the market is uncertain.

Remember, successful investing isn't just about knowing when to buy. It's also about having a strategy you can stick with when things don't go according to plan.

🎧 Listen, learn, and take another step toward your financial goals.

I'm Pinoy Personal Finance, helping fellow Filipinos understand saving, investing, and personal finance in a simple and practical way.

Connect with Pinoy Personal Finance:
💻 Financial Coaching:https://calendly.com/pinoypersonalfinance
🎙️ Listen to the Podcast:https://pinoypersonalfinancepodcast.buzzsprout.com
🎥 Watch more personal finance videos:https://www.youtube.com/@Pinoy.PersonalFinance
👥 Join our Filipino Personal Finance Community:https://www.facebook.com/share/17uY4fmw4a/
📘 Follow us on Facebook:https://www.facebook.com/share/g/1HNqR9E2Jo/
📱 Follow us on TikTok:https://www.tiktok.com/@pinoy.personalfinance

Disclaimer: This podcast is for educational and informational purposes only. It is not personalized financial, investment, tax, or legal advice. Investing involves risks, including the potential loss of capital. Past market performance does not guarantee future results.

Support the show

Send us Fan Mail

Why is the first $100,000 such an important milestone when building wealth?

Charlie Munger famously said, “The first $100,000 is a bitch, but you gotta do it.”

In this episode, we break down why that first $100K can be so difficult to build, and why reaching it can change the way your wealth grows over time.

We’ll talk about two important principles:

Capital Scales:
As your investment capital grows, the same percentage return can have a much bigger impact in dollar terms.

Compounding:
Your returns can eventually start generating their own returns, allowing your money to contribute more and more to your overall wealth.

We’ll also discuss why the beginning of your wealth-building journey can feel slow, why your income and savings rate matter so much early on, and how you can use practical strategies to work toward your first $100K.

If you're starting from zero, building your savings, or already investing and working toward your next major milestone, this episode is for you.

Educational content only. Not financial advice.

Connect with Pinoy Personal Finance:
💻 Financial Coaching:https://calendly.com/pinoypersonalfinance
🎙️ Listen to the Podcast:https://pinoypersonalfinancepodcast.buzzsprout.com
🎥 Watch more personal finance videos:https://www.youtube.com/@Pinoy.PersonalFinance
👥 Join our Filipino Personal Finance Community:https://www.facebook.com/share/17uY4fmw4a/
📘 Follow us on Facebook:https://www.facebook.com/share/g/1HNqR9E2Jo/
📱 Follow us on TikTok:https://www.tiktok.com/@pinoy.personalfinance

#PersonalFinance #Investing #WealthBuilding #Compounding #First100K

Support the show

Send us Fan Mail

If I started investing this year, what would I actually do?

In this episode of the Pinoy Personal Finance Podcast, we’ll talk about the simple framework I would follow if I were starting my investing journey from zero.

We’ll cover the things I would prioritize before investing, how I would approach building a portfolio, and why keeping your investing strategy simple can matter more than chasing the next hot investment.

Then, we’ll dive into one of the most commonly discussed investments for long-term investors: the S&P 500.

What exactly is the S&P 500? How does it work? And why do so many investors talk about it?

Whether you're completely new to investing or simply want to better understand the S&P 500, this episode will break it down in a simple and practical way.

Educational content only. Not financial advice.

Connect with Pinoy Personal Finance:
💻 Financial Coaching:https://calendly.com/pinoypersonalfinance
🎙️ Listen to the Podcast:https://pinoypersonalfinancepodcast.buzzsprout.com
🎥 Watch more personal finance videos:https://www.youtube.com/@Pinoy.PersonalFinance
👥 Join our Filipino Personal Finance Community:https://www.facebook.com/share/17uY4fmw4a/
📘 Follow us on Facebook:https://www.facebook.com/share/g/1HNqR9E2Jo/
📱 Follow us on TikTok:https://www.tiktok.com/@pinoy.personalfinance

Support the show

Send us Fan Mail

Part 1 is about understanding what you need to know before you invest.

Part 2 is about actually taking action and buying your first ETF.

Kung beginner ka and you want to understand ETFs without all the complicated financial jargon, you're in the right place.

So let's get started with Part 1:

10 Things You Need to Know Before Investing in ETFs.

Connect with Pinoy Personal Finance:
💻 Financial Coaching:https://calendly.com/pinoypersonalfinance
🎙️ Listen to the Podcast:https://pinoypersonalfinancepodcast.buzzsprout.com
🎥 Watch more personal finance videos:https://www.youtube.com/@Pinoy.PersonalFinance
👥 Join our Filipino Personal Finance Community:https://www.facebook.com/share/17uY4fmw4a/
📘 Follow us on Facebook:https://www.facebook.com/share/g/1HNqR9E2Jo/
📱 Follow us on TikTok:https://www.tiktok.com/@pinoy.personalfinance

Support the show

Send us Fan Mail

Building wealth is not about getting rich quickly. It’s about following the right financial steps in the right order.

In this episode, we break down the 5 stages of building wealth, from creating positive cash flow and protecting your finances, to consistently investing, achieving financial freedom, and eventually building a lasting legacy.

You’ll learn why investing shouldn’t always be your first priority, how to build a strong financial foundation, and why consistency and long-term thinking matter more than finding the “perfect” investment.

The goal is simple: don’t skip the steps. Focus on getting the next step right.

Connect with Pinoy Personal Finance:
💻 Financial Coaching:https://calendly.com/pinoypersonalfinance
🎙️ Listen to the Podcast:https://pinoypersonalfinancepodcast.buzzsprout.com
🎥 Watch more personal finance videos:https://www.youtube.com/@Pinoy.PersonalFinance
👥 Join our Filipino Personal Finance Community:https://www.facebook.com/share/17uY4fmw4a/
📘 Follow us on Facebook:https://www.facebook.com/share/g/1HNqR9E2Jo/
📱 Follow us on TikTok:https://www.tiktok.com/@pinoy.personalfinance

Support the show

Send us Fan Mail

Learn Investing 101 and How to Invest, step by step, in this beginner-friendly episode of the Pinoy.PersonalFinance Podcast.

We’ll cover the basics of investing, stocks, ETFs, risk and return, then move into the practical steps: preparing your finances, opening a brokerage account, funding your account, choosing your first investment, and building a consistent investing strategy.

This content was originally created as a separate video, but I included it in the podcast so you can follow the entire process in one place and have a clearer understanding of what to do next.

Part 1: Understand Investing
Part 2: Learn How to Invest

Whether you're in the Philippines, Canada, the US, or anywhere in the world, this episode is designed to help you take your first step toward becoming a more confident investor.

Connect with Pinoy Personal Finance

💻 Financial Coaching:
https://calendly.com/pinoypersonalfinance

🎙️ Podcast:
https://pinoypersonalfinancepodcast.buzzsprout.com

🎥 YouTube:
https://www.youtube.com/@Pinoy.PersonalFinance

👥 Filipino Personal Finance Community:
https://www.facebook.com/share/17uY4fmw4a/

📘 Facebook:
https://www.facebook.com/share/g/1HNqR9E2Jo/

📱 TikTok:
[Add TikTok link here]

Disclaimer: For educational purposes only, not personalized financial advice.

Support the show

Send us Fan Mail

Bakit may mga taong malaki ang kinikita pero parang laging kapos?

At bakit naman may mga taong hindi kalakihan ang income pero unti-unting yumayaman?

Ang sagot ay hindi lang tungkol sa magkano ang kinikita mo.

Mas importante...Kung Paano dumadaloy ang pera mo.

Sa Episode #3 ng Pinoy Personal Finance Podcast, pag-uusapan natin ang The Money River—isang simpleng framework na makakatulong sa'yo na maintindihan kung paano ba talaga dapat gumalaw ang pera.

Hindi sapat na kumita lang.

Kailangan mo ring malaman kung paano gumawa ng sistema kung saan ang bawat pisong kinikita mo ay may pagkakataong bumalik at gumawa ng mas maraming pera sa paglipas ng panahon.

Sa episode na ito, pag-uusapan natin:

•  Ano ang The Money River
•  Bakit ang income ay simula lang
•  Ang kahalagahan ng savings at emergency fund
•  Bakit dapat matutong mag-invest 
•  Paano makakatulong ang assets para magkaroon ng mas maraming income o cash flow 
•  Ang malaking pagkakaiba ng Lifestyle vs Assets

Kung beginner ka sa personal finance o gusto mong mas maintindihan kung paano mag-build ng long-term wealth, ang episode na ito ay para sa'yo.

Remeber:

Lifestyle consumes money.

Assets have the potential to create more money.

Hindi ang goal ay tumigil sa paggastos.

Ang goal ay siguraduhin na bawat sweldo mo ay may bahagi na tumutulong bumuo ng iyong financial freedom.

Pakinggan ang Episode #3 ng Pinoy Personal Finance Podcast at simulan mong palakihin ang sarili mong Money River.
Connect with Pinoy Personal Finance:

💻 Financial Coaching:

https://calendly.com/pinoypersonalfinance

🎙️ Listen to the Podcast:

https://pinoypersonalfinancepodcast.buzzsprout.com

🎥 Watch more personal finance videos:

https://www.youtube.com/@Pinoy.PersonalFinance

👥 Join our Filipino Personal Finance Community:

https://www.facebook.com/share/17uY4fmw4a/

📘 Follow us on Facebook:

https://www.facebook.com/share/g/1HNqR9E2Jo/

📱 Follow us on TikTok:

https://www.tiktok.com/@pinoy.personalfinance

Support the show

Send us Fan Mail

Saan ba talaga dapat mag-invest ang isang Filipino investor?

Maraming investment options ngayon, pero ang tanong: alin ba ang tamang asset class para sa'yo? Stocks ba? Real estate? Bonds? Business? O may ibang investments na hindi mo pa nai-consider?

Sa episode na ito ng Pinoy Personal Finance Podcast, pag-uusapan natin ang 5 Asset Classes na ginagamit ng maraming investors para mag-build at mag-preserve ng wealth.

Hindi goal na magkaroon ng lahat ng investments na ito. Ang goal ay maintindihan kung paano gumagana ang bawat asset class, ano ang potential benefits at risks, at malaman kung alin ang mas bagay depende sa iyong goals, timeline, at risk tolerance.

Sa episode na ito, matututunan mo:

✅ Ano ang 5 major asset classes na dapat malaman ng investors
✅ Paano gumagana ang stocks at bakit ito ginagamit para sa long-term wealth building
✅ Bakit maraming investors ang naglalagay ng pera sa real estate
✅ Ano ang role ng bonds at fixed-income investments sa portfolio
✅ Paano gumagana ang business ownership bilang isang asset class
✅ Ano ang alternative investments at kailan ito dapat i-consider
✅ Pros and cons ng bawat asset class
✅ Paano pumili ng investment na bagay sa iyong financial goals

Kung ikaw ay beginner investor, OFW, o isang Filipino na gustong magsimula mag-invest, makakatulong ang episode na ito para magkaroon ka ng mas malinaw na understanding kung saan puwedeng ilagay ang pera mo.

Tandaan, walang isang investment na perfect para sa lahat. Ang pinakamagandang investment ay iyong naiintindihan mo, kaya mong panindigan, at tugma sa iyong long-term financial goals.

Kung nakatulong sa'yo ang episode na ito, follow ang Pinoy Personal Finance Podcast at i-share ito sa isang kaibigan o kapamilya na gustong matuto tungkol sa investing at pag-build ng wealth.

Connect with Pinoy Personal Finance:

💻 Financial Coaching:
https://calendly.com/pinoypersonalfinance

🎥 Watch more personal finance videos:
https://www.youtube.com/@Pinoy.PersonalFinance

👥 Join our Filipino Personal Finance Community:
https://www.facebook.com/share/17uY4fmw4a/

📘 Follow us on Facebook:
https://www.facebook.com/share/g/1HNqR9E2Jo/

📱 Follow us on TikTok:
https://www.tiktok.com/@pinoy.personalfinance

Educational content only. Ang podcast na ito ay para sa informational and educational purposes lamang at hindi ito financial, investment, tax, o legal advice. Always do your own research or consult a qualified professional bago gumawa ng financial decisions.

Support the show

Send us Fan Mail

How To Double Your Money Using The Rule of 72

Gaano katagal bago mag-double ang pera mo? May simple way ba para ma-estimate kung gaano kabilis maaaring lumago ang investments mo?

Sa episode na ito ng Pinoy Personal Finance Podcast, pag-uusapan natin ang Rule of 72, isang simpleng investing formula na makakatulong para maintindihan mo ang power ng compound growth at kung paano maaaring mag-double ang pera mo over time.

Kung ikaw ay beginner investor, OFW, o nagsisimula pa lang sa iyong financial journey, makakatulong ang pag-intindi sa Rule of 72 para makagawa ka ng mas magandang decisions tungkol sa pag-save, pag-invest, at pagplano ng future mo.

Tandaan, ang pag-build ng wealth ay hindi tungkol sa mabilisang pagpapayaman. Ito ay tungkol sa pag-intindi kung paano gumagana ang pera, pagiging consistent sa iyong investments, at pagbibigay ng sapat na oras para lumago ang pera mo.

Connect with Pinoy Personal Finance:

💻 Financial Coaching:
https://calendly.com/pinoypersonalfinance

🎥 Watch more personal finance videos:
https://www.youtube.com/@Pinoy.PersonalFinance

👥 Join our Filipino Personal Finance Community:
https://www.facebook.com/share/17uY4fmw4a/?mibextid=wwXIfr

📘 Follow us on Facebook:
https://www.facebook.com/share/g/1HNqR9E2Jo/

📱 Follow us on TikTok:
https://www.tiktok.com/@pinoy.personalfinance

Educational content only. This podcast is for informational purposes and should not be considered financial, investment, tax, or legal advice. Always do your own research or consult a qualified professional before making financial decisions.

Follow Pinoy Personal Finance Podcast for simple and practical lessons about saving, investing, retirement planning, and building long-term wealth.

Support the show