From Where You Are to Where You Should Be

Last Fri­day, I woke up 6 AM and left home 9 am because I’m excit­ed to meet the stu­dents from Paman­tasan ng Lung­sod ng Mayni­la and for me to see also the Intra­muros for the first time. But turned out while dri­ving, Waze lost its sig­nal. I get lost in the cen­ter of Mani­la and after a few hours, I didn’t notice that I am already at Bula­can.

I was plan­ning to back-out for the said event since I’m lost and don’t know where to go next. But I believe it hap­pened for a pur­pose. Thank God, I arrived just in time at the uni­ver­si­ty for the event.

When it’s my turn to speak after the host intro­duced me to the audi­ence,  I shared to them three things they need to remem­ber when choos­ing a career path.

1. Dis­cov­ery: Where you should be?

Dis­cov­er­ing which career path you will take is not lim­it­ed to the field of study you are in right now. I sym­pa­thize with the stu­dents I met last Fri­day na ayaw nila sa course nila and di nila gus­to gina­gawa nila.

If you’re in that sit­u­a­tion, I advise not to quit. I have met a lot of peo­ple who grad­u­at­ed but even­tu­al­ly became suc­cess­ful sa field na gus­to nila. I believe the process of dis­cov­ery start­ed in child­hood. Ano bang mga madalas mong gina­gawa? Ano ba yung child­hood dream mo? Because a child wasn’t yet affect­ed by his or her cir­cum­stances. I want­ed to be a teacher, but I became an I.T pro­fes­sion­al but God is good, I am a teacherr not by pro­fes­sion nga lang bat by pas­sion and I get that through speak­ing and teach­ing Bible to Kids in Sun­day School. I shared to them what Steve Jobs said below:

Again, you can’t con­nect the dots look­ing for­ward; you can only con­nect them look­ing back­ward. So you have to trust that the dots will some­how con­nect in your future. You have to trust in some­thing — your gut, des­tiny, life, kar­ma, what­ev­er. This approach has nev­er let me down, and it has made all the dif­fer­ence in my life.”

- Steve Jobs

2. Deci­sion

Don’t make deci­sions quick­ly. Mahi­rap magde­cide kung saan ka ba tutun­go. I don’t rec­om­mend to just fol­low your heart, lead it.
Devel­op your char­ac­ter and atti­tide, that’s very impor­tant. Because in the end as what my friend said in his book Career Crossover:

Choos­ing a career is a crit­i­cal deci­sion. You can go places and suc­ceed or make your career worse than what it is today.”

- Ven­chi­to Jun, CEO at 22

And last­ly,

3. Direc­tion

You may choose entre­pre­neur­ship, self-employ­ment or employ­ment. Yung iba sinasabi mag­ing entre­pre­neur ka na lang.

But I say, what do you real­ly want? Not every­one is called to become enter­pre­neurs. Pano yon? Sinong mag­tu­turo sa mga magig­ing anak natin? Sinong gag­amot satin? Sinong mamu­muno sa bansa natin? Iba iba call­ing natin sa buhay and God meant it to be in har­mo­ny with one anoth­er. Iba iba man tayo ng tina­pos, ng tra­ba­ho, pero all of those work togeth­er for the com­mon good.

Not every­one are called to be entre­pre­neurs. Some are called to be employ­ees, oth­ers teach­ers, sci­en­tists, doc­tors, sol­diers, and etc. And we all need is to be hap­py and ful­filled doing what we do. No career is bet­ter or above the oth­er.

Thank you PLM in part­ner with Dev­con Philip­pines for hav­ing me. It was an awe­some day with you and sobrang na-inspire ako sa ded­i­ca­tion niyo to aspire high­er and become even greater in your field!

Radio Guesting at DZME 1530khz Kinse Trenta

Last July 27th, a few days after I post­ed one of my arti­cles that went viral, I was also receiv­ing a lot of mes­sages. I read them one by one and I was sur­prised that some­one from DZME 1350khz a radio host invit­ed me for their radio pro­gram.

I was sur­prised. I don’t know how to respond as it was my first time to be invit­ed for a radio pro­gram. But then I accept­ed the chal­lenge! 🙂  And just this after­noon, I am grate­ful that I have been giv­en an oppor­tu­ni­ty to be fea­tured on a radio pro­gram. It was fun.

First, I want to thank God for this once in a life­time oppor­tu­ni­ty. Thank you Ms. Jaemie Quin­to and DZME 1530 for hav­ing me as a guest to your #Home­Bud­dyradio pro­gram, and con­tin­ue to be an inspi­ra­tion to the youth. Thank you, men­tors and friends, for pray­ing and jour­ney­ing with me. Soli Deo Glo­ria!

Here’s a record­ed video of the pro­gram:

Hope you will learn some­thing valu­able from it! Till next time.



The ABC’s of How to Adult

In my recent arti­cle on “How to Sur­vive Every Month Finan­cial­ly” I was shocked that my arti­cle has gone viral. I checked the stats, and it gar­nered a total of 200,000+ views plus my email list grew by almost 300%. Wow, just wow.

First, if you’re one of the peo­ple who read, liked and shared my arti­cle, I would like to thank you. May God bless you more! It would not go viral with­out you.

Here are some com­ments I’ve received:

Thank you for those who left their mes­sage. You are tru­ly an inspi­ra­tion to me.

I’ve seen also some of the com­ments that well a valid com­ment why man­ga is being com­pared to books. Don’t get me wrong, I’m not com­par­ing them, it’s just that books encour­aged me to get out of my com­fort zone, it taught me to stop wish­ing and start work­ing on my dreams, and it taught me to pre­pare for life and how to be an adult.

With regards to invest­ing, I’m not an expert to answer all of your ques­tions as I’m only bas­ing them on my expe­ri­ences and wis­dom received from my friends and men­tors who are “finan­cial­ly-savvy”, but I would be glad to write some of the things I know in the next com­ing weeks.

I’ve said to my pre­vi­ous arti­cle that at the age of 20, it came to my sens­es that I need to grow up. How to adult sabi nga nila.

Now how I began to be an adult? I start­ed read­ing books and learn from other’s expe­ri­ences. That’s the first thing you should do; edu­cate your­self.

And that’s num­ber one lack­ing in our coun­try today. Peo­ple would nor­mal­ly go to what is easy that’s why in the end they left frus­trat­ed. With­out going on to the process of becom­ing the per­son you want­ed to be, you’ll be frus­trat­ed, dis­ap­point­ed and prob­a­bly you might give up too soon.

Now, I want to share with you the ABC’s of adult­ing or how it is to live like an adult. I got some of this from Seth Godin. Brace your­selves as some might get you feel uncom­fort­able.

A. Anx­i­ety is expe­ri­enc­ing fail­ure in advance. Would you like to fail? Tell your­self about the worst pos­si­ble out­come you will ever face. It doesn’t make you bet­ter.

B. Bal­ance, there’s no such thing as bal­anced-life or work-life bal­ance. Lose it and make your pri­or­i­ties right instead.

C. Com­mit­ment is the only thing that gets you through the chasm. Kung gus­to mong mag-ipon at mag-invest at mag­tagum­pay sa buhay, mag­ing com­mit­ted ka. Panindi­gan mo yan!

D. Dance with fear. Shake it off!

E. Effort. You need to make an effort.

F. Feed­back. Instead of using it to please every­one, use it to fur­ther push you to over­come what you fear and embrace what you’re capa­ble of.

G. Give cheer­ful­ly. The pur­pose why God is bless­ing us with mate­r­i­al wealth is to give it to oth­ers. Be a bless­ing.

H. Heroes are peo­ple who take risks for the right rea­sons. Don’t be a hip­ster who hasn’t risked a thing so they nev­er fail.

I. Always Ini­ti­ate. Pick your­self. Take ini­tia­tive. No one is going to pick you and say “hey I choose you!”. Hin­di ka Poke­mon.

J. Joy. Be joy­ful from being sat­is­fied. Dis­con­tent­ment will bring you trou­ble.

K. Kill. Kill your bad habits by replac­ing it with good habits.

L. Love. Love like Jesus. We can’t, but when you have a rela­tion­ship with Jesus, makakaya mo.

M. More is bad. It leads you to the world of scarci­ty. Do you know why some peo­ple nev­er sat­is­fied? Because they want more!

N. Some­times peo­ple answered you with “No” because it feels safe. But say yes to pos­si­bil­i­ty and yes to risk. Noth­ing is ever worth it with­out tak­ing the risk.

O. One more chance. It’s okay to fail, it’s okay to be reject­ed. Be bet­ter then try it again, one.more.chance (read it slow­ly para ma-feel mo).

P. We all need pain. We will not grow if we will not expe­ri­ence pain. You will not expe­ri­ence break­through if there are no “break me” moments.

Q. Qual­i­ty mat­ters. Want to improve the qual­i­ty of your life? Read qual­i­ty books! Wag yung pock­et book na iis­tir-up ka lang tapos tata­nun­gin mo sar­ili mo bak­it sin­gle ka pa rin hang­gang ngay­on.

R. Respect your­self. Know your worth. Stop try­ing to fit in. Be dif­fer­ent.

S. Share like giv­ing, share what you have.

T. Teach what you know, prac­tice what you teach. The most effec­tive way to remem­ber a les­son is by apply­ing it and teach it to oth­ers.

U. Unlearn. There are things you need to un-learn. Be like an emp­ty cup. Be ready to learn.

V. Vul­ner­a­ble. Being vul­ner­a­ble is the only way we can gain trust­wor­thy friends and men­tors. How can I teach you if you’re not open­ing your­self? How can we be friends if you’re clos­ing your­self to me? Open up your­self, but don’t be too soon.

W. Work like you nev­er work before. If some­one asked you to help him, go for an extra mile.

X. Xero­copy anoth­er term for a pho­to­copy. Don’t be a copy­cat!

Y. Youth. Don’t waste your youth. Make it mean­ing­ful and pur­pose­ful. Learn to num­ber your days.

Z. Zip your lip. Learn to lis­ten with your heart.

So far that’s it. I hope it will help you in some way in your quest to be adult. Haha. Till next time.

How to Survive Every Month Financially

I remem­ber the time when I was strug­gling to sur­vive every month when I was a fresh grad­u­ate with my 10,000 pesos gross pay­check. My good­ness, it was very dif­fi­cult when your food was a pares and fish­ball in the cen­ter of Makati and KFC fun­shots almost every day. Any­time I could vom­it.

Back then I was still play­ing an online game I used to play in col­lege.

But the moment I came to my sens­es, I stopped play­ing online games. “It’s time to be an adult!” I said to myself.

I was 21 when I tithed the 10% of my salary to church and believe God that I could tithe more than I can give every year.

I was 22 when I pur­chased a life insur­ance plan I was pay­ing 5,000 pesos per month in which they called VUL but after two years I stopped. Why? It’s not a wise deci­sion. I real­ize that if I saved that 5,000 pesos per month I should have 120,000 back then but I only have 80,000 worth of accu­mu­lat­ed cash val­ue. I rather switched to a term insur­ance.

I was 23 when I invest­ed in the stock mar­ket. My invest­ments grew to 6 fig­ure in 4 years time.

I was 24 when I pur­chased my first land prop­er­ty in Kingsville Heights Antipo­lo in which I am still pay­ing until 2024. And then I will use the por­tion of my invest­ments to build a house. Though I pur­chased it not for myself but for my future wife. Haha­ha! You might call me a fool but I have the faith I will meet her soon.

I was 26 when I opened an account for my future wed­ding fund. I applied for a health insur­ance plan as well.

I was 27 when I pur­chased my first car in which I used the sale of my com­pa­ny shares/stocks this year for the down pay­ment and will pay the amor­ti­za­tion until 2022.

So, at this stage of my life, I spend over 20,000 a month to pay my house loan, car loan, the inter­net and phone bill, health insur­ance, mutu­al fund, stock invest­ment, wed­ding fund, per­son­al things, etc.

Wew! It’s hard to be an adult! Haha! I nev­er strug­gled because God is meet­ing my needs and con­tin­ue bless­ing me so that I can bless oth­ers.

This might not be a good guide for those who are strug­gling to pay their debts, or hav­ing out­stand­ing loans but here’s how I was able to sur­vive every month and I hope it helps.

1. If you are sin­gle like me, live with your par­ents.

2. If you can’t live with your par­ents for some rea­sons, find a cheap apart­ment near your work­place. I did this when I was work­ing in Mckin­ley Hills every day.

3. Nev­er ask your par­ents for mon­ey, they suf­fered a lot already when you were still study­ing. Help them now.
4. Don’t take out a loan for a gad­get.
5. The elec­tric fan is enough, don’t use an air­con.
6. Don’t sub­scribe to a mobile sub­scrip­tion plan for the lat­est gad­get.
7. Buy at least a pair of clothes every two or three months.
8. Don’t buy new shoes unless they are worn out already.
9. Read books not man­ga or ani­me. (Okay, I’m a fan of ani­me, but I don’t con­sume a lot of time from it.) Books are still more valu­able. Pick and read a book and you will nev­er think the same way as you do.
10. If you need to de-stress, watch Kore­an Dra­ma at home or play Ever­wing in an hour, any­thing exceeds that is a waste of time.
11. Attend finan­cial lit­er­a­cy sem­i­nars and find friends and men­tors who can help you achieve your goals.
12. Do not save just for the sake of sav­ing. Save to invest.
13. Don’t com­plain if you can’t save because your salary is not yet that much, remem­ber, it is not about the mon­ey you earn, it is about the mon­ey you keep.
14. Don’t save and invest with­out a rea­son. Your 1 mil­lion pesos can­not give you hap­pi­ness, what mat­ters is what will you do with that mon­ey?
15. Start a busi­ness. 
16. Take free­lanc­ing jobs if you have the skill to do it.
17. Do not buy a con­do unit if you don’t have plans to make it as a mon­ey gen­er­at­ing asset.
18. Don’t buy a car if you are a fresh grad­u­ate. 
19. Don’t jump from one com­pa­ny to anoth­er com­pa­ny. You are not a horse, there’s no such thing as green­er pas­ture.
20. Build your career but take care of your­self.
21. Have goals. Be ambi­tious.
22. Make your own dream-board.
23. Exer­cise. Be healthy.
24. Have a rela­tion­ship with God. Seek Him first before every­thing else. 
24. Don’t bor­row mon­ey if you can’t promise to pay on time! Huwag kang uutang!
25. Want to save more? Set a por­tion of your month­ly salary and trans­fer it to anoth­er account imme­di­ate­ly once you receive your salary.
26. Bud­get and spend what is left.
27. Mon­i­tor your expens­es.
28. If you are dat­ing some­one, don’t go to an expen­sive restau­rant yet if you don’t have a bud­get. Don’t date to impress, date to get to know the oth­er per­son.
29. Bring a pack lunch or din­ner in your office. Iwas peer pres­sure, nakatipid ka pa.
30. Avoid peo­ple who love to spend
31. Don’t drink cof­fee from Star­bucks, make your own cof­fee!
32. Uti­lize your company’s over­flow­ing sup­ply of cof­fee.
33. Find anoth­er job that can help you earn more.
34. If you want to study, find a library, not a cof­fee shop.
35. Be a cheer­ful giv­er.


So far that’s it. I hope it helps. Always remem­ber, every finan­cial deci­sion is also a spir­i­tu­al deci­sion. Till next time.

Your Colleagues Are Resigning: What Now?

For the past 7 years of working in the corporate world, I have seen many people are leaving the company for many reasons.


I remem­ber the first time I step my foot in the cor­po­rate office. It was amaz­ing to see how peo­ple work togeth­er. The office was full of dec­o­ra­tion; the can­teen offers a food you’ve nev­er tast­ed before, the over­flow­ing cup of cof­fee, plus you will own a lap­top!

But the longer you stay, the more real­i­ty you will see. Some peo­ple didn’t enjoy what they are doing. Many peo­ple are leav­ing because they lost their most pre­cious time on the things that mat­ter. And some suf­fered major health issues.

It was 2011 when I left my first job because I’ve seen peo­ple are leav­ing. I decid­ed based on my emo­tions and what oth­er peo­ple are telling.

When I land­ed a job in Hewlett-Packard, I thought it is a per­fect com­pa­ny. But the longer I stay, I have seen again many of my col­leagues leav­ing.

2014, when five of my team­mates left.

2015, anoth­er two of them left.

2016, though I trans­ferred to a dif­fer­ent team, I’m still see­ing this. Employ­ees leav­ing the com­pa­ny seems a con­tin­u­ous trend every year.

It hurts to see when one of your clos­est friends leav­ing. It is heart-wrench­ing. It’s like a part of your­self tear­ing away from you. Sep­a­nx (Sep­a­ra­tion Anx­i­ety) as they call it.

With that you there will be chances you’ll lose your enthu­si­asm to con­tin­ue to work.




  1. Revis­it your goals.

I remem­ber it was 2014 when five from our team left the com­pa­ny. There was a lot of work­loads has left. Every­one was fac­ing a dilem­ma if it still worth it to stay.

I faced that dilem­ma too. I pre­pared my resume and send it to dif­fer­ent com­pa­nies. In fact, there was a com­pa­ny who gave me the job offer, but I declined.

Why I reject­ed the offer?

Because I real­ized, it was just a burst of emo­tions. I don’t know what will hap­pen to our team. That time I ques­tioned myself, “will our team will get through? Or we will dis­solve like what hap­pened to oth­er teams?”“despite all the merg­ers, acqui­si­tions, the company’s rev­enue is still not increas­ing, rev­enue goals still not met, will it be worth it to stay even I don’t receive a salary increase?”

The rea­son I didn’t accept the offer was, before the day I was about to return for the job offer, I revis­it­ed my goals.

And then I asked myself, “If I will leave my job today, will my goals still keep intact?”“Do I need to start over again?”

Revis­it­ing your goals allow you to reflect on your past fail­ures and suc­cess­es.

When I revis­it­ed my long term goals, I real­ized that the first two years of my career wasn’t good. I was a job hop­per and with that, it nev­er helped me to get ahead in life.

As a mil­len­ni­al, decid­ing to stay longer would be a lit­tle bit dif­fi­cult. But it helped you to grow pro­fes­sion­al­ly and per­son­al­ly. If work­ing for your com­pa­ny still excites and chal­lenge you, then don’t leave yet. Build your career on it.


  1. Know your deep­est why.

Why you do what you do? What comes to your mind each time you wake up in the morn­ing? What are things that cap­ture your inter­est? What are your pas­sions?

Many peo­ple do not know what their pas­sions. You can eas­i­ly know it if you ask your­self:

What makes your heart sing?”

And fol­low the 5 why’s prin­ci­ple.




I learned this prin­ci­ple two years ago from my White Belt and Yel­low Belt Lean Six Sig­ma Train­ing.

In this prin­ci­ple, we ask 5 why’s or some­times more than that for each occur­ring issues because we need to iden­ti­fy the root cause of it to devel­op a per­ma­nent solu­tion or fix for it. Thus, pro­mot­ing cost sav­ings for the client and ease of work for us.

But in this case, I believe we can apply it also in our lives. And in this con­text, you’ll assess the root cause what has trig­gered you to make plans about leav­ing the com­pa­ny.

For exam­ple:

Why some my col­leagues are leav­ing? Is it for finan­cial rea­sons?

Then why it trig­gered me to fol­low? Am I strug­gling finan­cial­ly as well? Does my month­ly pay check not enough any­more?

Why I’m strug­gling finan­cial­ly? Because I spend a lot. Have I many bills to pay?

Why you spend a lot? Want to enjoy life because you know you only live once.

You see, every “why” leads you to your deep­est con­cern. If your last “why” doesn’t per­suade you enough to fol­low peo­ple who are leav­ing the com­pa­ny, then it’s not worth to fol­low them.

I men­tioned ear­li­er that I’ve been in the cor­po­rate for 7 years. Some peo­ple might even longer than I am, and for the mean­time, I believe this is the place where God has called me for this sea­son of my life. And if He’s going to pull me out of it, I will def­i­nite­ly leave the cor­po­rate life.

Every year you’ll be fac­ing the same dilem­ma. But your deep­est why will either make you stay or pur­sue your goals and aspi­ra­tions.

What makes your heart sing?


Why You Should Have A Side Hustle

Nearly 80% of millennials are now in the workforce. It even surpasses Gen Xers as the largest population in the workforce. Besides for labeling our generation as the most entitled generation, millennials are also over work, overweight and over stress.


And most of the time, it hap­pens because they find­ing pur­pose, iden­ti­ty, and sig­nif­i­cance on the things they do.

But not every­one is built for one job. The chances are, many mil­len­ni­als get eas­i­ly bored at their jobs, includ­ing me. Being 7 years in the cor­po­rate world, I’ve expe­ri­enced this with myself. Every year, I longed for some­thing to do that chal­lenges me to take a risk, will give me the expe­ri­ence to fail and learn, and make me grow per­son­al­ly and pro­fes­sion­al­ly.

It was 2 years ago since then the first time I asked my man­ag­er to trans­fer me to anoth­er role, but he can’t grant my request because of the lack of resource from our team.

And to keep myself from leav­ing the com­pa­ny, I found a side job. That time I was a finan­cial advi­sor in the morn­ing and week­ends, and a tech­ni­cal sup­port con­sul­tant for Hewlett Packard in week­days of the after­noon until mid­night. I also joined some employ­ee ini­tia­tives that allowed me to net­work with oth­er employ­ees out­side our depart­ment.

Today, I am a writer and web devel­op­er by morn­ing, soft­ware or automa­tion engi­neer by after­noon till mid­night, a teacher in Sun­day School and a pub­lic speak­er when­ev­er there’s a speak­ing oppor­tu­ni­ty that will come up.

Being a writer, speak­er, web devel­op­er, and teacher are my side hus­tles. But few peo­ple know that I have these side hus­tles. I don’t care if these jobs will give me a side income or not, but these hus­tles allowed me to pur­sue my pas­sion.

A side job can be fun and chal­leng­ing. It can put an extra mon­ey in your pock­et or sim­ply allows you to do the things that you love with­out leav­ing your full-time job. But besides that, it makes you more pro­duc­tive.




Today, most employ­ers not only seek­ing spe­cial­ists and experts in one skill but they most­ly look­ing for indi­vid­u­als who are well round­ed. And hav­ing a side hus­tle, it makes you a well-round­ed employ­ee, and it makes you a great asset in the com­pa­ny because:


1. You gain skills off the clock.

If you work only with the job you have, the chances are you will only be good at one skill. I expe­ri­enced this when I was hav­ing a hard time to find a job. I only had one skill to offer.

It changed when I start­ed find­ing a hus­tle on the side of my job. Hav­ing a side hus­tle allows me to learn how to build my own busi­ness in my spare time. It gave me real world expe­ri­ence than enrolling to a busi­ness degree in the uni­ver­si­ty.

And I believe there’s no bet­ter way to learn than doing it on your own.


2. You devel­op char­ac­ter­is­tics most employ­ers want.

Hav­ing a side hus­tle makes you more resource­ful, inno­v­a­tive, and pro­duc­tive. I learned sales when I was a finan­cial advi­sor. I learned Eng­lish pro­fi­cien­cy and pub­lic speak­ing when I joined toast­mas­ters and start deliv­er­ing speech­es. I nev­er thought I would be more this excit­ed to speak in pub­lic and turn it into a career some­day.

Side hus­tles devel­op you to become a well-round­ed per­son. And employ­ers want that kind of employ­ee.

And last­ly,
3. You become more cre­ative.

I didn’t know that over time I become more cre­ative as I con­tin­ue doing my side hus­tles. Being a writer is a no joke, it wasn’t just writ­ing what comes from your mind.

Since not all people are born entrepreneurs, you can still have an entrepreneurial mindset. Employees who have this mindset never runs out of ideas. As it’s core, entrepreneurship is about creating something and making them true to life.

A lot of peo­ple often wake up dread­ing Mon­days, and I know some of them. If you are one of that per­son who seems every day becomes a strug­gle, and despite all the activ­i­ties, planned trav­els or trips you have, you can’t still find your pur­pose, why not try hav­ing a side hus­tle?

I know how it felt like as I’ve been there too. Per­haps God is so good that He allows me to dis­cov­er my pur­pose and bring ful­fill­ment to my every­day life by doing my side hus­tles because it will not just help me, but it also helps oth­er peo­ple.

As for me hav­ing a side hus­tle makes you appre­ci­ate how much time and effort goes into build­ing a busi­ness and not just a mere employ­ee com­plain­ing. It allows me to be bet­ter at my job as I seek improve­ment every day and it makes me a more well-round­ed indi­vid­ual.

Don’t let your day job becomes a dis­trac­tion to pur­sue your pas­sion. Your pas­sion ener­gizes you and it flows also in your day job. And if your day job can’t moti­vate you, per­haps your side hus­tle can.