HOW MUCH MONEY YOU SHOULD HAVE (For Every Age) | Personal Finance Philippines

[@bedtimereads9855]

Thank you for this. I have been looking for this particular topic for a while now. Lately, I've been wondering whether I'm on track or getting left behind. But I can't rely on blogs because everything I've seen is in dollars, and you can't just convert into pesos because it would not be the same. At least from your content, I found out that I AM actually on track with my net worth. ^_^

[@CharmdeLeon]

Yaaay! So happy for you!

[@pallercristanerb.988]

Hi mam. Good day...can you help me invest in stock market? I am very much interested.student here.

[@KT-ki7oo]

Sigh, I really wish your channel existed when I was younger. You are doing a lot of people good with your solid advice. Thank you for educating us. I look forward to more of your videos.

[@ohcelinana]

I like how unintimidating you introduced all of the steps you need to take, especially the ones in your 20s (particularly in investing). Giving us a semi-specific figure to work towards to and specifying the steps is really helpful. I also appreciate how you considered the median and not the average salary, because a lot of people start off with a low salary, most of the time lower than 22K even. Thanks for this video, Charm!

[@CharmdeLeon]

Thank you! 🙏🏻 Yah, median vs average has a huge disparity nga

[@flyhighkai]

Mid-twenties here. Binge watching your vids and Nicole's vids. Never too late, right? Repeat after me: Everything I need, I already have. Everything I have is all that I need.

[@NicoleAlbaYT]

This was a great video charm!! Loved how you also suggested some actions to take to reach the goals you listed for each age 😄🙌 Also... MALAPIT NA 100K IM SO EXCITED FOR YOU AAAAHHH LETS GOOO 🚀

[@saguidjanicamaed8661]

Breadfam support ✊💓

[@arieljaycases6039]

Breadfam 😊

[@CharmdeLeon]

Thanks, nic--as always! Love ya!!

[@kristinemariebisnar6665]

Always watching your videos, Ate Nicole and Ate Charm. ♥️ It's very inspiring and interesting. ✨

[@casiotv6286]

Kelan po kayo mag cocollab?

[@JWW10666]

I love your videos and your personality. As an American who comfortably retired to the Philippines at the age of 35, I have to say the earlier you can invest the better. Aside from your emergency fund and any savings you will need for short-term goals, there is no point in keeping excess cash in your bank account. The rate of inflation will outpace wages so it's best to invest excess capital into the market in order to keep pace with inflation.

[@chrisbulan]

wow the fact that you are able to retire at such a young age is just amazing. i hope the same for myself

[@One-12937]

@@chrisbulanhe’s not retired he’s mooching off of US workers. It’s called investment but that only works if us workers are working.

[@skariarecords]

@@One-12937 lmao you are so wrong and this is why you will stay poor forever

[@iamazalea9888]

I'm in my early 20's, graduating student and currently doing a side hustle. Since I don't have enough funds to save up, I'm just gonna save time by learning this now so when time comes I'm earning a lot I can build up my emergency fund and set an investment. As of now, I do have personal finance tracker and sobrang helpful like I can sleep peacefully knowing where all my money went haha Thank you for this informative video. You are really my go to vlogger as well as Nicole Alba when it comes to personal finance and investment.

[@CharmdeLeon]

Yay! That sounds like a great plan 🤗🤗🤗

[@benrezenarosa]

Articulate, straightforward, concise - your qualities that make your YT channel standout. Keep going. 👏

[@TheaSyBautista]

Yasss! Ganda ng thumbnail!! 🥰 Watching nowww

[@CharmdeLeon]

😂😍❤️

[@angieazuelo8005]

both of you are amazing po, thank you for inspiring us 😻

[@eljcam]

Thank you Ms. Charm for this timely and relevant video. I am turning 29 this year and I am just learning about financial literacy just recently. I know its kinda sound late but its better to be late than never. This is a very informative and helpful video. I am motivated more than ever to reach my financial goals. I am still learning but I know I will able to do it. Thank you for teaching us and hopefully you may continue to upload videos about personal finance. Happy 100k subs Ms. Charm! 💕

[@TeacherMariePh]

Ahhhh excited 😍😍

[@marvinm8343]

This is a good guide. The median income based approach is a good yardstick. But I think a net worth/ expenses -based approach is better. A retirement fund is a personal goal. Hence, it is a question of your own present lifestyle (i.e., net worth/expenses) vis-a-vis the lifestyle you envision yourself having in the future (i.e., how much money do you really need to sustain said lifestyle). It would also be good if you factor in inflation in your computations. I envy young people who see content like this. I was so late to the investment game that I had to make extreme effort and sacrifice to reach my own investment goals. I guess I'll end by saying don't be discouraged by what little money you save. Let the concept of time value of money be your friend. The money you earn or invest now will always have better value and utility that what you will earn or invest in the future. Learn to live on less. Lastly, always strive to learn new things; knowledge is power.

[@CharmdeLeon]

❤️❤️❤️

[@pakunodapavlovic]

I just turned 30 at walang emergency fund, walang assets and properties, still living with my parents. And I'm not from a rich family. (Been living from paycheck to paycheck) I hope I can catch up to what I should've been saving already. My friends are all successful and have their own families, so I kind of isolated myself so that I can start to progress on my own pace. Thank you for this video Ma'am.

[@jeremymartintorres]

I can imagine this video could have been EITHER dreadfully difficult or remarkably easy to do. Appreciate you for this content, Charm.:)

[@reamaetheresedelarosa639]

Thanks for this. My sister and I aren't actually fully aware of our finances so we're really clueless rn. This has cleared the cobwebs in our minds. Save and invest as early as now. :)

[@newworldorder1425]

Im 31 years old and already retired. I had a good paying job in states and i started investing durung my younger years. To make things simple just be happy, have a budget, have a plan, save as much money as you can, invest and live below your means. In the end you wont have any regrets if you know that youve saved up most of your money. Try saving 80 to 90% of your income. If your bills are big try increasing your salary. The goal is to keep increasing your salary so that you can go big in investing so that when the right time comes you withdraw a portion of it and just chillin while others are still working theirselves to the ground.

[@dearmore3862]

20 yrs old here, always learning with your videos

[@terrencelao6373]

The best advice I heard in this video, at 14:10 , is invest in the US Stock market. If Philippines believe Americans are wealthy, then do what Americans do. Americans earn more income, but their living expenses are more. Their savings are invested in the US Stock market which are American companies. You can invest in the US Stock market from the Philippines. Open online account with an established company like Fidelity or Vanguard. I personally like high tech, thus invest in index funds in high tech, FANG, or just follow Warren Buffet.

[@arianeflytrap4141]

A fan of the upgraded video equipment! Lakas makalegit KZbinr vibes

[@frederickmestio2394]

To have a credit card was part of my goals! So happy to hear that I'm on track 😊

[@InvestingPH]

Great Video! A must watch for Filipinos.

[@ricadriantabigne2627]

I'm still 14 and because of your contents I have learn a lot. Thankss. Congrats 100k naaa

[@rexbustamante3202]

Eto yung guide na ipapanoud ko sa mga anak ko . Pag lumaki na sila ❤ 5 at 7 palang sila ngayon 😊

[@tanuki-chan23]

Thank you so much for this! This really helped me a lot in preparing an outline for my financial independence.

[@amberdawnandres2454]

Excited hereeee ❤️❤️

[@jenamarienubla6714]

Grabeee what a comprehensive video 😍 this reminds me why I love watching your channel in the first place! Will be hitting 30 this year and it's comforting to know na im on the right track naman pala and actually doing a little bit better than expected. I always thought i wasn't doing enough and i always felt like im running out of time. Hahah. But seeing this made me feel better. 😅 Yay! And also! HAPPY 100K!! Well-deserved silver play button na yannnnn!!! ❤️ Continue to inspire and educate more Filipinos pls~

[@CharmdeLeon]

Thank you 🤗🤗🤗

[@lizettesalvador875]

I keep on refreshing thinking I might missed other videos, but already watched and rewatched them all lol. Binge watching here 🤪 and keeping notes of your tips.

[@keyzza1663]

This is really helpful as most youtube video and blog content is in dollars and taking the US economy as its backdrop. Not to mention you've included practical tips on how to achieve these goals. Such superb content. Thank you!

[@CharmdeLeon]

Thank you!

[@Regina-wu6hq]

Waiting! Malapit na! 🥰

[@fibonacci9445]

It's so nice that you used the median filipino income instead of average. These are very realistic numbers, thank you for all the advice! 😁

[@InvestedLifestyle]

Congratulations on the 100K Charm! I love how realistic the numbers are! Made me realize I can actually retire in the Philippines if people are not trying to kill me lol!

[@CharmdeLeon]

Thanks, Elaine! ☺️

[@erizcresilcuran3037]

😂😅😅😅

[@mattalamar]

WOOOHOOO Video's out! was anticipating how this would be presented! :D Congrats on the 100k!!!!

[@CharmdeLeon]

Thanks for the insights!

[@maikensuson]

Loved this! 😍 It’s never too late to start. Restarting this at 27 y/o.

[@ejbaltazar674]

thankful to your channel!! I mostly learned my personal finance strategies thru you!

[@angelrdev]

I'd try moving abroad/getting remote job for a few years if possible or to increase salary. You'd save A LOT more this way and you could start the compounding with much more... saving years in the long run.

[@CharmdeLeon]

Yes! Sadly that’s true. Beware lang din of lifestyle inflation abroad. Cost of living can be expensive also

[@abbiefloriellealih]

This is a best guide for someone like who does not know about financial management. Thankfully, I am still in my 20s and it is indeed very helpful for me to lessen my anxiety of not having a savings when I turn 30. Also, I just started working with a very low annual income which also help me to start low and slowly aiming for a bigger income and investment to the following years of saving. Also, my minimalistic mindset helps too. Thank you so much for you videos Ate Charm

[@Mark-qp1mj]

wow.. young genius..easier said than done.. goodluck kid

[@prescilag.6088]

Happy 100k charm!! 💖💖💖

[@justb3m184]

Very informative, I will watch every video you upload. I am your fan now :)

[@CharmdeLeon]

🤗❣️

[@jizellemontilla6235]

100k naaaaaa congrats Ms Charm✨🥳

[@kenncholo8561]

Hello i am just 16 years old and Thank you very much because i learned a lot from you at a young age! And btw Congratulations because your about to hit 100k🥳🎉🎂😇

[@MySuperSlinky]

You’re changing my life for the better!! ❤️❤️

[@GlaizaJournals]

Gusto ko yung may mga HOW. ❤️ also, congrats for the 100k subscribers.

[@janecirujano6106]

Ang galing mo naman be,in your age you are a very good financial adviser

[@kingmiscrits9986]

First thing I search for in the morning and it was just uploaded hours ago. Wow. Great video

[@CharmdeLeon]

Thank you! ☺️

[@martincastro8828]

Great video, Charm! Best of luck to you moving forward.

[@themoneymalismph]

Congrats Charm, 100K na nakakatuwa 😊😊😊😊 Continue inspiring us 💪🏻💪🏻💪🏻

[@CharmdeLeon]

Thank you!

[@sonme8387]

Thanks for this Vid. Also Happy Silver 100k Subs! 🎉

[@cammanord]

Yeyyy Congrats 100k sub 🎂

[@lisnfilms8652]

ALMOST 100k subs already! Congrats R2APH ❤️

[@wyethalvaran419]

Ayeeeee happy 100k subs!

[@nemargilmore9093]

I just discovered your channel and it is so helpful! I feel like youre the first one i saw with this content (goals by age bracket) and it is very helpful ♡ thankyou.

[@dollsbyevam]

Yayyyy first video nko nwatch Charm love this!!! Getting there sako 30s😂

[@TheBryLife]

At last! Kids creating great content!

[@tonytruff]

Awesome video! Happy 100k subscribers!

[@CharmdeLeon]

Thank you!

[@IbrahimKhan-ks4xw]

Ok

[@Rheinebows]

Don’t forget to tell everyone that whatever you saved for your emergency fund/ and retirement fund DOES NOT mean you should use those for big purchases like weddings etc. Then you have to start over and your compound from your 20s is redundant

[@iamnoone8084]

It hurts that the the median salary for PH in a month is only 22,000. The reason why Filipinos do not save enough for their retirement is due to this low af salaries. Products keep increasing in price every year and yet salaries stay the same. The only way Filipinos can still manage to survive is due to having multiple income household. It's really importantly to have good governance. Without regulations, companies will continue to exploit the working class. We're doing similar work as other countries and yet we get a fraction of their salaries. :(

[@harp1947]

Its the same story every where.. more regulation will have opposite effect

[@JWW10666]

It's happening in every country, including the USA.

[@personalch2987]

Thank you Ms. Charm for making this video. I will challenge myself to attain those numbers as savings! I learned a lot. 😍 This channel deserve millions of subscribers.

[@oshingho6972]

CONGRATS ON 100K SUBS MS. CHARM! I HAVE BEEN WATCHING YOUR VIDEOS SINCE JULY AND DAMI KO SOBRA NATUTUNAN IN EVERY VIDEO I ALSO REALLY LIKE HOW YOU EXPLAIN SOBRANG UNDERSTANDABLE. MORE POWER! THANK YOU KASI NAKAKAINSPIRE KA SA YOUNG PEOPLE LIKE ME :)

[@CharmdeLeon]

Thank you!!!

[@diannebuenconsejo5822]

Dami learnings dito! 👏👏👏👏

[@rajieguevara1]

Well said! Been following your channel a lot recently! Keep it up :)

[@riacgn837]

I'm watching your videos for days now. Hehe

[@desscastillo_]

very helpful ate charm!!! supporting this channel!! ❤️💯

[@CharmdeLeon]

Yay! Thank you!

[@Excalibur817]

As always, great content! Learned a lot :)

[@derrickpangilinan]

nice video, very thorough, also well presented

[@cheezaness9800]

Happy 100k, Charm! Your channel deserves more subscribers. You are really an inspiration to people who want to be financially stable like me. I hope I can apply the lessons I learned from you. Stay safe always & I will consistently wait for your upcoming videos. ♥️♥️♥️

[@adrln1818]

Road to 100k. Keep teach us financial literacy. ❤️

[@danatancioco2329]

Keep the great content coming!

[@wanderingshiiip]

Ang ganda ng topic na toooo ❤️❤️❤️

[@shine3990]

Hi po Ate Charm!! Just subscribed to your channel. Thank you po for these kind of videos because these are the things school doesn't prepare us for.

[@MillennialDaddyPH]

Hi Charm! Great insights to how much money a typical Filipino should aim for to have a secure, if not comfortable retirement. I also liked how you acknowledged the skewed distribution of wealth here in the Philippines. You are correct to use the median income value instead of the average salary :) Lastly, great citation in the description. :) Now, I am a 30-year old moustachian myself. I am currently thinking of creating a quick video on the same concept of “how much money should we really have per decade milestone”. Would it be alright if I point to some of your key pointers here in one of my future videos? It’s just that it’s already so distilled and such a great reference for basic personal finance.

[@CharmdeLeon]

Sure! Thank you 🙏🏻 ☺️

[@seansomoray2879]

Love it! Thanks for sharing this

[@VanCalapanoOfficial]

Thanks for this video. Really an eye opener. God bless you

[@dianamaesantos8358]

Happy 100k ma'am!♥️

[@CharmdeLeon]

Thank you! 😃

[@dianamaesantos8358]

You deserved it po!♥️

[@JMikaelLetsDoThis]

Thank you for this. Congrats na rin 100k

[@CharmdeLeon]

🤗❤️

[@Jerome-iwnl]

All of my money BESIDES my emergency fund will be in investments. I would never allow my savings to stay as cash for very long… cash is trash because of inflation.

[@CharmdeLeon]

Yes! Invest everything aside from e-funds!

[@arleneasilo2508]

Wow, nearly at 100k ❤️❤️❤️ Thank You and God bless

[@youreenough2100]

Can’t wait 😬

[@jemeicaandreb.sostinto3710]

YAAYYY!! EARLY! 😅☺️🤗

[@maryrosefrondozo1617]

Thank you for this tips. These can help.

[@babyjhudiel18]

I'm learning a lot from you. Thank you for sharing your knowledge! :)

[@jessicad.5812]

This will really help me out. Really need to start making saving, budgeting and investing as habit!! 💯💯 I hope this video will still be up when i reach those ages lol. But i'm gonna take note of all of these ❤️

[@maitudz1414]

I love the content. Learning a lot from you! Keep it up!

[@GhostedStories]

Awesome! Good to see I am not that far behind! 😂

[@mdb392]

Learning so much from you ♥️♥️♥️

[@wanderingshiiip]

Happy 100k po pala waaah kilig dati 10k lang then here we are now uwu

[@CharmdeLeon]

Super kilig nga! Huhu thank youuu

[@filipinoinvestors3102]

I love this video thank you for the well detailed explanation in handling finances. :)

[@manuelgenarodeluna5470]

Charm! You already hit 100k subs! Congrats! 🥳🥳

[@CharmdeLeon]

Thank youuu!!

[@AniList2021]

this is a great video pero sana umunlad nadin bansa natin para tumaas sweldo ng mga employees.

[@asian_handsome_boyz]

OMG CAN'T WAIT

[@Totokwa]

Congratulations sa 100k subs!!

[@CharmdeLeon]

❤️❤️❤️

[@johnjosephbagasol3801]

Happy 100k subs! ate!!!

[@CharmdeLeon]

THank youuu

[@markdulguime4238]

thanks for this 😊 Very helpful

[@mariakarinagandola3194]

thank you!!!!!! ❤️❤️❤️ im going to make this guide my goal 💗

[@ellahermida2584]

Another reason for not having enough emergecy fund is supporting your family.

[@josselielykamadduma5098]

Thank you Ms. Charm for this! Love all your videos very informative! 💕

[@imandrediaz]

Congrats for the 100k subs Atchi. 🤗

[@CharmdeLeon]

Thanks!!

[@sirgigglez]

as a fil-am at age 36 i only have $50k. but im happy on what i have cause i have no kids and im single with no debt. freedom is the best.😊

[@CarlCutts]

Start the day you Start working. Set aside 15% each pay check every week

[@acalba4001]

"Most Filipinos are one illness away from poverty." This is a sad reality. I'm interested to know what you have prepared or planned out that's related to healthcare and protection? What HMO/plan can you recommend?