Having grown up in a poor family and having faced a lot of obstacles in overcoming challenges associated with generational poverty, I feel like I offer a unique perspective on discussions about money and investing. Money advice for people who are starting from negative is very different from the advise you give to those who start from zero. Giving people with negative net worth advise that are fit for those who are at zero is misleading and causes unnecessary heartache and lost time and money.

My mission in this blog is to fill that gap. 

Another mission I have is writing from the consumer’s point of view. I noticed that most online money advice for Filipinos are provided by financial advisors/agents/employees associated with insurance companies and/or investment houses. While they’re providing a necessary (and free!) service, there is always the possibility that their biases (to make a sale) may cloud their recommendations and advice. 

Meanwhile, I write and review products and services as a knowledgeable consumer. If I have biases, at least it’s in favor of consumers and not of the insurance and/or investing companies. I mean, do these companies deserve their fees? Maybe yes, maybe not. But definitely not at my and my readers’ expense.

Also, I’m so tired of being treated like sh*t and/or a criminal by big banks and companies. I’m sure you are too. It’s time for us to express our opinions as consumers.

Lastly, I want to show that it’s possible to escape generational poverty. Because I’ve done it. 

I’ve been poor. It was a drag. I don’t want to be poor again. So here I am obsessed with trying to find ways not to go back to being poor AND succeeding. 

I want to inspire those who are on the same path and to show them that there’s a light at the end of the tunnel. Because maaaan, the path out of generational poverty is long and hard. 

I’ve written several articles sharing more information about me, if you’re interested to read them, here are the links: