MONEY GOALS TO HIT IN YOUR 20s | Financial Checklist before 30 | ADULTING 101

[@amcarrera2577]

At 25, I have never felt this lost. Thank you for helping me redirect my goals and life. Wish me luck and to all those who are struggling too!

[@CharmdeLeon]

Sending luck and love your way!

[@vivianpaul7759]

Very insightful. I'm from TN US 🇺🇸. currently I'm 31years. I spent my 20s working and investing. Right now i have about 7 streams of income. Hard work and Investment is the key for financial freedom.

[@CharmdeLeon]

Amazing 🤩 Are you also pursuing FIRE 🔥?

[@vivianpaul7759]

@@CharmdeLeon 😅...lol.if fire 🔥 pays, I would ☺. A wise man said, DO EVERYTHING YOU CAN TO GET OUT OF DEBT. I'm into financial market and real estate though.

[@vivianpaul7759]

@jones williams yes. But it isn't as hard as it seems. It requires only time, consistency and most importantly, a good mentor.

[@vivianpaul7759]

@Savanna Bills I have a regular job. Trading is one of my alternative means of income. Trading the financial market doesn't mean i do the trading by myself. I work with a licensed broker who handles all my trading activities while i monitor the process. By the end of the month, i make my profit withdrawal while him and his team of expertise take their commission. I DONT TRADE BY MYSELF TO AVOID LOSSING MY MONEY.

[@vivianpaul7759]

@Savanna Bills I trade under expert Jeffrey matthew .s. You can connect to him directly.

[@markianarlan]

2 yrs ago 0/9 pa ako pero ngayon 7/9 na ako sa checklist and already ongoing sa retirement planning and investing as of now. Sa mga ganitong videos ako nagsimulang matuto kaya salamat ng marami and more power!

[@marlonman2009]

We need to integrate financial literacy as part of basic education in the Philippines. Your content is highly recommend for the SHS students. You can be the best resource speaker for the subject. Keep up the good work.

[@CharmdeLeon]

Couldn’t agree more that we need that. And Thank you!

[@Markyba47]

Hello po I'm 24 and I really appreciate how helpful your videos are to me. I regret not saving earlier and keep on buying things even though I have a minimum wage. Now, I'm challenging myself to be more literate financially. I started saving up for my emergency fund and also started and MP2 account. I also monitor my expenses through my mobile phone. Next plan is to get myself a VUL. My journey has just started but I'm really happy that I made this decision. Thank you po for your videos and for sharing your knowledge. Wish me luck and God Bless you po.

[@buhagsigwasan2259]

*Me at 17 writing down my retirement plan* : uh-huh

[@airmd202x]

Im 21 now but i was also like you when i was 17 😂 stay consistent 🤘

[@crackerskie9890]

♥️♥️♥️

[@yforevah08]

I just turned 20 and your channel is comforting me a lot. I'm looking forward to becoming independent and I feel like you're videos have taught me a lot. Thank you!

[@CharmdeLeon]

Thank you!

[@shawntabuac4558]

I can really recommend this to my friends even tho they're teens, the earlier the better.

[@mintmin1483]

I haven't reached 20 yet I'm interested this field. I realized that the only proper investment I could make at this age (without any source of income) is the knowledge I'm learning from you. I'd surely keep all of your advices in my mind when I turn 20! Thank you so much! I've been looking for a content creator that explains these terms in a concise and simple way for a long time I really hope that we apply a course like this in our SHS Curriculum. It's a must, really.

[@janssenpedrola2331]

Going back to these videos of Charm will make you realign on your financial goals. As a 22 year old who just started working and with responsibilities inside our house it's kinda reassuring that my financial behavior are still aligned to my principles. Although you would really struggle with discipline especially when colleagues and friends are maluho at mawaldas haha ( sorry for the term). Thanks for these insights Ms. Charm.

[@brylenunez3675]

This woman deserve a million subscribers!!! more informative videos to come!

[@frozenrose1531]

I really like your channel so I'm subscribing! These are the things I wished somebody taught me or tole me before I even hit 20s. Now I'm 28 and just learning some new things. Hopefully others can find your channel earlier too

[@estelamarizvlogs]

Rewatching this for many times since last year because I tend to forget things easily. But I see that what you’ve shared here is really wisdom. This is really what we need to familiarize and practice so we can handle our finances wisely and not be burdened with it. Thank God and thank you, Charm!

[@CharmdeLeon]

Thank you! 💖

[@ciaraenriquez_chillchika]

Thank you for this! I'm turning 20 in a few days. I haven't got the #3 and #6 yet. The list is very helpful. I'll keep this in mind.

[@kinggrizzzly8706]

Could you make a separate video about SSS, philhealth, and PAGIBIG? I was under the impression that they are mandatory payments and this video relieved some pressure off of my chest. omg I am loving your contentttt. Keep up the good work!

[@CharmdeLeon]

They’re mandatory for employees (Employers must deduct and remit these). For self-employed, SSS is still compulsory but Pag-IBIG and PhilHeath are voluntary but highly encouraged.

[@kinggrizzzly8706]

Ooh thanks for clearing that up then~

[@chrisrefogio1032]

I find these tips very useful, especially for those who have tight budgets. A good advice on Money Handling goes a long way. Thanks!

[@CharmdeLeon]

Yay, glad you liked it. Good luck on your financial journey!

[@dotsoraven]

Your videos are future life saver! Ang dali manuod at maintindihan pag nasa same age bracket lang yung nag-eexplain huhu tysm

[@CharmdeLeon]

🤗 ✌🏻 💕

[@anj8122]

Really appreciate this channel and it makes it so much easier to be financially responsible when we have learning tools like this from a filipino perspective! Would love an in depth discussion on HDMF's and SSS's mutual funds kasi it looks v interesting and mukhang syang accessible.

[@CharmdeLeon]

Yes! I’m planning to post a direct comparison for it on IG/FB and a future video as well ☺️

[@NicoleAlbaYT]

I see you're switching things up 👀 Pa-feature po 😉😄

[@CharmdeLeon]

Haha! Inspired by you and Vanessa 😂

[@marcyourday8322]

Nice

[@trishgupo3763]

I love you both ❤️👄❤️

[@shanelbautista515]

oh my gosh the bread is here😻

[@bernardvalgarcia6137]

1. Emergency fund ✔️ 2. Health and life insurances ✔️ 3. Stock market ✔️ 4. Real estate: next goal 5. Own business: soon Im a scientist by profession but now kinda halfhearted on my chosen career after discovering passion in finance stuffs. 😂 Btw, why so pretty? 😍

[@trishgupo3763]

Interesting

[@solomonswisdom5184]

OG fan of this channel. Really love your videos ! More power.

[@CharmdeLeon]

Thank you! 🙏🏻

[@chan.angeles25]

Nakakalungkot lang isipin na yung mga ganitong content or lessons ay hindi na i-introduce sa schools dito sa Pinas. WE NEED THIS KIND OF INTERESTING LIFE LESSONS na ma-aaply sa mga buhay natin.‼️

[@jedlargo]

Very true, why kaya hindi to na tatackle ng lessons naten in schools :((

[@adrln1818]

@@jedlargo kc gusto ng mga schools ituro saten is makahanap ng trabaho at maging trabahante lng. Yung lng kaya ng school bigyan tayo ng degree para maging alipin sa pera.

[@VictoriaRific]

i like how hindi puno ng advertisement yung videos mo hahaha already subscribed

[@pokerface4848]

Thanks for the video! I will be turning 20 so it's the right time to study and check financial goals. I'm also interested about insurances and how they work

[@CharmdeLeon]

Poker Face thanks! Definitely a future video ☺️

[@neolamperouge8131]

The best video I saw on personal finance! Facebook ad led me here. Thank you! The best!

[@CharmdeLeon]

Neo Lamperouge wow thank you for the kind words! ☺️

[@abellearagon2749]

I love the settings of your vlog in this. Unlike nung parang nasa living room ka. Kudos💛

[@sammyboy3343]

Very Informative! Yes, an insurance video will be very helpful! Thanks for the knowledge. Padayon! 😁

[@CharmdeLeon]

Sam De Mesa Salamat! Definitely on the list! ☺️

[@ariannemariemagallon2801]

Your videos are worth watching. Very informative. I never thought about retirement age before but thanks to you charm 💖

[@CharmdeLeon]

Arianne Marie Magallon super normal because we’re young!

[@TeacherGrazel]

I'm currently binge watching your vlogs and grabe ang dami ko natutunan. 😊 btw you look like SaHa of Start up. 😊😍

[@jacquelynpimentel5379]

As a 19 year old, this video is very helpful. Thank you!

[@CharmdeLeon]

I’m so glad! I wish I knew these when I was 19! 😂🤷🏻‍♀️

[@elsami2690]

I'm really glad I found your channel through Nicole's what's in my wallet vid. Your content is really what I need. From life tips to very informative stock market basics. I just have to like every vid because they are so helpful.

[@MonalynAndayaDelaPena]

Your content is very interesting. I stumbled upon your channel yesterday and I loved it! I watched almost of all your videos. I already subscribed and followed your Facebook page. Keep inspiring me. Thank you!

[@CharmdeLeon]

Thank you, welcome to the fam!

[@MonalynAndayaDelaPena]

@@CharmdeLeon You're welcome. Merry Christmas!

[@aughlaine]

Omg i stumbled upon ur channel once when i was looking for vids on how to save as a beginner in adulting and now im hooked 😅 i love ur videos so much, very informative and straight forward, no bs im so in love with it 💕

[@CharmdeLeon]

Hi, Laine! Thank you! 🙏🏻🤗✌🏻

[@tincatacutan4222]

Learning so much from this channel! Thanks for sharing your knowledge to people like me who are only starting to learn about personal finance. More power to you! :)

[@CharmdeLeon]

Welcome 🤗 let me know what other videos you want to see

[@juliamuana5029]

Really love this one charm! Was thinking I was way behind but I’m actually doing alright. Haha thanks! Keep em coming

[@CharmdeLeon]

Julia Muana it’s not a race! I’m sure you’re doing great! ❤️😘

[@ChickensBarbie]

You can use your MP2 as emergency fund as well becuase of it's features. Also, take advantage of the high interest which could go as high as 8% annually.

[@TheAdultLife]

These are all really good tips, especially number 1! it's so easy to think you can't save because you don't realise just how much you waste on food (my weakness) or clothes. Something I spoke about in my last video is understanding WHY you need to save, realising that the small amounts you save now could turn into big investments in future is always a lightbulb moment for the people I talk to. Love this video.

[@jjenine]

I love your videos! It is so addicting! I learned a lot and it really helps me to decide what should I do in my 20s. Thank you so much!

[@CharmdeLeon]

Let’s do this! 👊🏻✌🏻

[@Gamechangerfuzz]

Thank you for mentioning the last part regarding those of us in our 30s (im 33 ) now I dont feel so old. Thanks for the tips - finally a finance channel for the Philippine setting, which I can relate more! Keep posting more vids! - perhaps you can film your top 5 or 10 personal finance books? More power to you!

[@CharmdeLeon]

Fritz Maandig I wanted to highlight that especially because it’s great if you started in your 20s, but this can be a checklist for any age! Thank you for the kind words, appreciate it! Great video idea!

[@nijinokanata111]

Salamat te! Very helpful to understand and track where the money goes. I also appreciate that you put time stamps. ❤️

[@nijinokanata111]

Salamat te! Very helpful to understand and track where the money goes. I also appreciate that you put time stamps.

[@CharmdeLeon]

Yaay, Thank you!

[@thatgirlsharmaine]

I got so much catching up to do. Gonna continue binge watching/learning tomorrow. XD

[@leighhh15]

Thank you for yet again another helpful video. ❤️ I say YES to the Insurance 101 video. 😅

[@CharmdeLeon]

Leigh Lopez definitely on the list!

[@marshalllee4026]

Wow I can't believe I haven't done any of these yet. Yes, I don't even have a bank account.

[@kaelabenoja3418]

Im glad I found this channel. Its very helpful.

[@CharmdeLeon]

Thank you 😊 ✌🏻

[@aileparto]

Feeling bless to have a channel like this, its really helpful, thank God that Im still in my 20's to found charms channel hahah, Iast month lang kita na discover and your my favorite since then. Love to watch your all videos it really help me a lot in my life.

[@CharmdeLeon]

Hi, Iren! Thank you po 🙏🏻

[@lawrrencelozano3647]

Amazing breakdown! Thanks for sharing this!

[@CharmdeLeon]

Thanks for dropping by!

[@ronabeltan6282]

These are the type of video I need

[@wilfredogimbas1188]

Nice one..thanks for this vid!

[@yellowserenity5717]

Hi Charm! I am very glad to have come across your channel! This is very informative! And you are VERY INSPIRING! Keep the videos coming!

[@CharmdeLeon]

Yellow Serenity thank you! I need your videos to help me focus! 😂💕

[@vaporcitizen3276]

Great great video for reals people need to here all this advice. You should start reit or something like it and have your viewers invest with you to make profit. Also remember money in the bank is a depreciating asset.

[@kyeheartlove4771]

I always hear about SSS and Pag-IBIG but I never knew what was that for... Thank u for explaining them to someone like me... hehe

[@CharmdeLeon]

Kye Heartlove you’re welcome! There was so much more I wanted to say but I wanted to keep it short and sweet for this video. Will upload them via Instagram and a future video!

[@jenniferalforque6102]

"Charm made me save in my ING account!" it was quite a deal

[@CharmdeLeon]

Jennifer Alforque ING makes me smile every first of the month 😂

[@vaporcitizen3276]

Congratulations.

[@ramajuss8226]

Thank you so much for this video 🥰

[@halfasianyeah]

Thank you for this, Charm!! Really appreciate it!!

[@CharmdeLeon]

Anna Sanders Thanks for watching, An!

[@ahjemma4336]

Thank you for this information ate Charm. This is definitely something worth sharing to my friends 💕

[@CharmdeLeon]

ahjemma awee thank you. Means a lot 🙏🏻

[@Jiemmclips]

Thanks for this! Very useful.❤️❤️❤️

[@bryanmtv]

This video is really beneficial. Thank youu!!

[@CharmdeLeon]

Thank you!

[@acamram]

Another helpful video! Thank you for this! And yes, an insurance video would be really helpful! ❤️

[@CharmdeLeon]

Aira Camua thank you! Will definitely need a lot of research for that but definitely!

[@christeljoytolibas5173]

Thank you for this video Miss Charm. Hoping po na gumawa kayo ng video about doon po sa mga pinakita niyo dito sa video na pwedeng pag-invest-an sa maliit na amount po. Godbless

[@CharmdeLeon]

Hi, I have a playlist here: kzbin.info/aero/PLX5F5fa6EHdqBsn2-ejhzOZBQ2bL-eSMt

[@hypo_kidfromkimba]

Im new to this channel. Already lovin it! Nice! Keep it up!

[@CharmdeLeon]

Oh wow. Thank you 🙏🏻

[@jademondia6537]

Ahhh, loved this! Thank you, Ate Charm 💞☺️ Yes, please do a video on Insurance. Lol, someone once said: "get em while they're cheap, get em while you're young" 😁 Wpuld like to know your thoughts & which insurances (for life, health, house, etc.,) is the best. Tbh, I think I'm gonna diverge from PhilHealth, if/when I can cause of the...questionable practices they have rn. Hehe

[@CharmdeLeon]

I have an entire playlist here: kzbin.info/aero/PLX5F5fa6EHdq0fCY9ehomzPNaUoYekLkP Note that most insurance companies require you to be up to date with PhilHealth payments.

[@zindeevanezabacarra9506]

Very informative 💯

[@mueis1482]

Congratulations on hitting 1k subs! 😊

[@CharmdeLeon]

Thank you! 🙏🏻

[@paulinetayo9941]

Video about insurance please and why is it necessary for Young Professionals

[@CharmdeLeon]

Pauline Tayo yes! Since we always hear “the earlier, the better”

[@paulinetayo9941]

Ready2Adult PH looking forward for it ❤️

[@staticdice5958]

instant like for that intro 😆

[@CharmdeLeon]

🚙 💰 🛥 🏠

[@mszang2874]

I really need this! Hoping for a video regarding investment like where and how to do investment especially for a beginner like me 😌

[@CharmdeLeon]

ms zang will definitely make more investing video! 🤗 Check this out if you haven’t already kzbin.info/www/bejne/pH-VpZaImqmgqK8

[@raveno96]

This really helps thanks ,

[@ravinaferrer7426]

YES LIFE INSURANCE

[@CharmdeLeon]

Ravina Ferrer yay! okayyy

[@dkravers3640]

Na over come ko yung fear of investing haha

[@daviddawang8340]

Thank you!! :)

[@gd18]

New subscriber here! Ganda ng tips, ganda din nung nagbibigay ng tips! Haha

[@CharmdeLeon]

Bhannie haha thank you for subscribing! 😊

[@fmar_0220]

Very informative.

[@CharmdeLeon]

Glad it was helpful!

[@beaconofhopepentecostalchu2400]

Subscribed, commented and watched

[@CharmdeLeon]

Rev Sherii Parrett thank you!

[@shanelbautista515]

My classmate mindset is you only live once so buy whatever u want.. Then I told her, that's insane hahahahaha

[@CharmdeLeon]

Yes, the YOLO concept is dangerous for our wallets haha

[@shanelbautista515]

@@CharmdeLeon trutsalad!! hahaha

[@ravinaferrer7426]

THANKS YOU🙏

[@GamingLegendxxx]

Your videos are very informative I love it but I have question. How do you invest?

[@CharmdeLeon]

Arje A hi! Thank you ❤️ are you asking how I personally invest or how to invest in general? For general: I have a video about that > kzbin.info/www/bejne/pH-VpZaImqmgqK8 For how I personally invest: I can make a video about that but I’m in the Stock Market and several Funds as well.

[@johndominicdelagracia7679]

Hi ma'am. Sa Union Bank pwede po gumawa ng multiple labeled accounts. Yun po ang ginagawa ko na ngayon. Salamat po sa mga payo mo :D (y)

[@alexsanderdumasig2573]

im 21, student, I need to learn all of these specially insurance. Please make a video dedicated to insurance

[@CharmdeLeon]

I did! ☺️ kzbin.info/aero/PLX5F5fa6EHdq0fCY9ehomzPNaUoYekLkP

[@jetluga]

So useful!!!!

[@iambarryallen]

Thankss!!

[@CharmdeLeon]

EJ Rizal thank you ☺️🙏🏻

[@jamesmichaelkuizon2231]

What are the two banks that you are recommending Charm? Is it ING and CIMB?

[@angelocorpuz1725]

Ma'am turuan nyo po ko to how investment sa real estate

[@CharmdeLeon]

kzbin.info/aero/PLX5F5fa6EHdoVGE1hVEh5PCyeNOHDZxF2

[@sailorpopoy2864]

Charm youre my goal maka hanap lng ako ng girl na katulad mo solve na ako 😁

[@pexmhanfilms533]

Like this!

[@maryclarepangan6722]

Do you regret buying VUL?

[@CharmdeLeon]

Not really :)

[@angelagaezellesison3366]

Im curious on what course did u take in college ate?

[@CharmdeLeon]

Architecture 😅

[@anythingrandom2247]

I just turned 30 and I'll reach these goals before 31.🤣

[@CharmdeLeon]

never too late!! To each their own!

[@meow5274]

hawig mo po si jung saha sa start up hehehe

[@Etheldreda]

May maisusuggest po ba kayo na nag bibigay ng 10% or more compound interest? first time po sa mga ganito. Thank you!

[@ninapascual4976]

Do investing in stock market 101 Charmmmm! Hihi

[@CharmdeLeon]

Niña Pascual Yes! Thinking that might be my next video!

[@iamURHO]

Buy a yacht? 😅 Anyway ate, can you do something different/irrelevant? How about make a skin/self care routine? :3

[@knabiabi]

Hi po! I have a Physical Bank Account (Metrobank) pero I'm currently saving on my CIMB Account kasi it has better interest rates. I only use my physical bank account whenever I withdraw money from CIMB. Pero I read somewhere na CIMB doesn't issue Bank Certificates (daw?) and I'm planning to apply for a visa in the future. Should I transfer my money to my physical bank account now or let it grow on my CIMB first and transfer it later?

[@CharmdeLeon]

Kareen Abiabi hi! CIMB actually issues Bank Certificates but you have to pick it up in their office in BGC (you can request through their customer service). If this is something that is nit possible for you, you can transfer it to your metrobank account and print out bank statements for your CIMB instead (since transferring funds affects the average daily balance of your acct, they will know if it’s just “show money”)

[@CharmdeLeon]

To add: it’s the same with ING, they can’t deliver the bank certificates because it’s sensitive information. I hope they find a work around soon though. They have a lot of users outside Metro Manila.

[@knabiabi]

@@CharmdeLeon Ahhhh, I was planning to transfer my money to ING kasi I thought they would issue Bank Certificates. Pero while reading their terms, I find CIMB easier to control my money since it's also linked with GSave. I won't be needing the Certificate now though, maybe 2-3 years from now. I hope CIMB's Certificate would be available by then. Thank you po! Hoping for more content like this 💕✨

[@UnknownNel]

Extra income yung kulang sa akin huhu

[@randomcebuana6088]

I would like to ask. I have 3 separate bank accounts. I want to have a bank wherein I can use that for my emergency funds. I have a BPI, Chinabank and Unionbank (I have an account pero wala pa card). Please advise.

[@CharmdeLeon]

Cherry Pelayo check out ING of CIMB. Really great for emergency funds since it grows your money as well. If not, Unionbank is also good. They’re online bank is developing quite fast and no charges to transfer to other banks until the end of the year!

[@randomcebuana6088]

@@CharmdeLeon Just tried ING today and deposited funds there. Yes, I noticed that there's interest. Not much but at least it's growing. I can't get to chat support, sorry, do you happen to know how much is the fee when withdrawing funds?

[@CharmdeLeon]

Cherry Pelayo no fees to Transfer to any other bank! No minimum balance as well

[@randomcebuana6088]

@@CharmdeLeon oh gosh! This is wonderful! Thank you for introducing this to me. Truly, you're like the Aja Dang, Cebuana version!

[@CharmdeLeon]

Cherry Pelayo omg I just searched her and I am flattered! She is #goals!

[@cgmalcera]

Why do I have a feeling that you might be a certified public accountant haha.

[@CharmdeLeon]

Christian Alcera hahaha! That would be nice 😂 but no, I’m a licensed architect but not practicing. I’m currently a business owner

[@Ddcgb]

Me at 19 excited to retire lol

[@CharmdeLeon]

😂😂😂

[@Ddcgb]

@@CharmdeLeon Thanks to your videos and other Filipinos here on KZbin may basic knowledge na ako on how to handle money. More power to your channel.

[@sillyboy3938]

Ano binabayaran sa pag ibig mothly

[@CharmdeLeon]

Silly Boy It’s a mandatory savings account for Filipino employees. It’s tax-free and earns good interest. Maturity is 20 years, retirement or you can use it for loans, etc

[@sillyboy3938]

@@CharmdeLeon what if hndi ka nag loan ano mangyayari sa binayad mo

[@CharmdeLeon]

Silly Boy it will grow and you can use it for retirement or 20 years after you started. It’s a form of conservative investment also. You can opt to have a bigger contribution since your employer will match your contribution. You’re getting free money from your employer just by choosing to save.

[@armelrodriguez7023]

Great video, can you do a video on cryto currency (bitcoin)? Thank you!

[@queenceline6508]

Thanks for commenting!

[@queenceline6508]

1. 6. 1. 7. 3. 6. 2. 3. 4. 2. 3.

[@queenceline6508]

Write her to handle your investment ⬆️⬆️