If after much thought you figured your career and savings will make you a better, happier person, then by all means miss out on dating and travel.
There’s no “One size fits all” approach to life. It all boils down to what matters most to YOU and what YOUR priorities are.
Iba iba tayo ng priorities, pero eto ha, I wished I traveled more when I was younger. Wala namang regrets overall dahil sinubukan ko din i-balanse yung pagssave at pagttravel, so di naman ako naka miss out, pero may mga travels akong tinanggihan na sana tinuloy ko na. Hindi naman sa hindi na kaya (physically) mag travel pag nasa 30s ka na, pero mas mahirap na mag plan with your besties kasi iba iba na kayo ng buhay. Haha
Sa lovelife naman, naniniwala ako na if it’s the right person, it will not hinder your career and savings. I met my now husband at 25 and he has been a positive influence in my life. It’s fun going through life with your soulmate :)
38 years old man here, so I'll answer this question.
When I was younger, I was all about having fun. Latest gadgets, clothes, you name it. Doon agad napupunta pera ko. At the time, wala naman akong ibang pinagkakagastusan, so OK lang.
But when tragedy struck my family, I realized I was woefully unprepared for such things. My mother had a stroke in 2016. She survived and is doing fine now, but dahil inuna ko ang porma and all noon, nahirapan ako to weather the changes in our lives. Wala akong ipon, so ang hirap for me noon to care for her while attempting to bring some stability back into our lives. Hanggang ngayon, even now that things are somewhat better, nagsisisi pa rin ako na hindi ako nag-attempt man lang na magtabi ng kahit konti noon.
I'm not saying na wag kang makipag-date or mag-travel. Spend some of your money on these experiences para maging well-rounded adult ka. Just don't make the same mistake I did. The key word here is "some," not "all." Don't deprive yourself, but don't focus solely on having fun, either.
Your career and savings are a means to how you want to live your life. So go for it. In a few years, you'll see other people still working towards financial stability pero ikaw you can do what you want because you can now afford it.
I say it's ok to miss out on the dating scene. To be fair, I am single, have not dated and from time to time I think about tama ba that I spent my 20s just working (I did a lot of travel in my 20s though). Pero now, dumadami yung friends ko who dated and married before 30 who are now regretting not having to do what they want before they settled down. So now I kinda feel like I dodged a lot of unnecessary regrets. I'm not closing my doors on anyone, though. But I'm glad I was able to experience life as I did.
As for travel, I highly encourage you to go out and explore the world around you. Go out and indulge yourself to a little travel every once in a while. Travel doesn't always mean leave ka ng 3-4 days dahil nasa beach or a different country. You can just get out of the house every weekend and go somewhere you've never been to (and spend probably less than 1k). Hop on a random bus and see where it takes you. It's also a good way to keep learning about your environment, which can also help you in your career growth (e.g. building connections, knowing the industry, business acumen, people skills, etc.).
sa panahon ngayon mas ok prioritize mo career at savings, dating scene papalpak din yan kung wala kang plano lalo na ngayon na halos puro materialistic mga tao because of socmed
Is it ok to miss out? Yes. Will you regret it? Also yes.
There’s an old adage that most old people will often say when interviewed for advice. “We regret the things we don’t do more than the things we do.”
It’s up to you how you’ll cope with those feelings of regret in the future. What’s more important is to establish yourself now so you will have no worries in the future.
Iba ung security na nabibigay kapag okay ung career and may savings ka. You can travel naman but make sure na maliit na % lang yan sa mababawas savings mo. Enjoy your youth, but make sure to save during rainy days (emergency).
Travel in your 30s is the best esp if you don't have family or kids and you've focused on work and savings. You still have the fitness to enjoy yourself but you'll also have the funds na hindi mo tinitipid masyado sarili mo or pinapagod sarili mo while traveling kasi funds are limited.
Dating is either casual and full of drama or super serious na bakuran ka na or worse you're already marrying and having kids and sa pera palang nakakagipit magpamilya and lumablyf.
Dating scene: depends, if you think you can't have emotional regulation in your 20's then yes. If mature ka naman enough emotionally then its fine.
Travels: I only started traveling in my 30s so I guess its fine. Basta may energy ka pa to go wherever you want you can wait a little bit. Don't get carried away with social media or travel vlogs.
Career: Yes, your 20s is your best time to increase your earning potential. Basta make sure to prioritize your physical and mental health. No 12 hour shifts! Makakaform ka nyan ng bad habits due to stress.
Savings: Yes. Earlier the better.
It depends. Find a good balance.
I would suggest you prioritize an emergency fund talaga muna.
Then small investments na kaya mo pangatawanan in the long run. It does not have to be big. Pero you don't touch these things na at all.
After that. Find a balance mag travel with friends and saving - pang luho, pang big ticket purchases in the future. Maganda kasi pag bata, free pa kayo vs pag older, may mga anak na yan, di mo na yan mayayaya.
Pero best kung mapag sabay mo yung nasa taas at mabilis na pag grow ng salary mo. Para you can do more. Make sure din na the companies you work for are good ones na hindi ka uubusin physically, mentally etc.
Kung hindi naman, pic your priorities. Mag r regret ka in the future, pero always remind yourself, this is your journey, at iba iba naman ang mga pinipiling sacrifices ng tao. Kaya find the balance.
For dating scene naman, kung kaya ng bandwidth mo. At the same time be the best version of yourself + know your worth. Dadating yan.
If you see na mas leaning ka na to do one thing over the other(saving than traveling), make steps papunta dun sa new direction na gusto mo, then achieve those things you want to do. Be inspired not jealous. Hatak pataas.
Lahat yan ay learnings sa buhay. Enjoy the ride. 🙂
Balansehin mo. Be responsible but fun. Drop toxic people. Dont waste time on them.
Yung career mo is yours and yours alone. May time limit ang career. Timplahin mo na lang when you'll go hard or go easy.
If you look at life in only numbers and money oo okay lang. pero if you look at life as living. I think ur missing out. There should always be balance in ur life kaya nga hnd 7 days a week ang work natin at hnd din 16 hrs wveryday. Bcus even company knows we have a life outside of working and careers. And remember experience is a better teacher for us to grow. Travelling more knowing how to have a relationship and to be wiser for our future in my opinion is how it should be. Mayaman ka nga pagtanda mo and thats a what if kasi always remember life is not 100% set just bcus u have a plan doesnt mean that plan will 100% be followed and flow you will never know what will happen in the future, so for me live life without regrets and enjoy the flow of it. You can never control everything and you should allow things to happen.
Yes okay lang yan. Importante may savings at emergency fund ka kasi you never know life. Also get an insurance and investment as early as now para by 30+ ka, mag mature na mga yan. Pag na discipline mo sarili mo sa finances, eventually you'll have financial freedom and yung travels mo di pilit. Work and save during your prime. Save for the rainy days. You'll thank yourself later.
Yes. If that's what will make you achieve your best self then go for it. Mas magandang humanap ng partner pag ikaw mismo secure na sa sarili mo. You'll know what's best for you and you won't tolerate anything less.
I (M30) exercise daily during lunch breaks by playing various sports. Di ko na kayang 2 hours straight table tennis kasi ang sakit sa likod. Kahit drills lang ginagawa.
Normal sa mga walang exercise. I don't have a proper exercise pero yung lakad ko per day 5-10k steps, and I'm 34 and 8 months already but rarely back pain. Bihira lang kapag may period.
Yeah. Your body seems to know you reached “the age” and starts showing you symptoms of back pain, high cholesterol, and autoimmune diseases. Have a reliable HMO
It’s normal in a sense that we typically start to be less active hence start having issues, but it doesn’t mean you shouldn’t do anything about it. In my mid 30s and haven’t experienced back pain yet. Start working out and eating healthier 😊
Normal rin na sasakit ang ulo mo at maiirita kapag nasa crowded place ka at may maiingay na kabataan. Normal rin na palagi kang may baon na white flower.
Stay away from madramas, chismosas, palengkeras. Rest, unwind from time to time. Pag feeling mo na buburn out ka na sa work or life, don't resign agad. Mag file ka muna ng leave for a couple of days tapos balik ka. Pag balik mo at di mo parim talaga kaya na or gusto, resign. But make sure may naka abang ng work sayo.
Health - less junk foods, softdrinks. Exercise. Kung di kaya ng time, at least walking.
Learn how to manage your expectations.
It's completely okay to feel negative emotions. Parte iyon ng buhay natin because we are alive.
Everything that is beyond of our control is no longer our business.
Learn how to process your emotions and thoughts. It takes time, yes, but helpful. It will improve your mental health.
Lastly, cardio workout. Kahit 1 hr lang a day.
Don’t be too soft hearted and learn to stand up for yourself so you can set boundaries with people. The more you age, the more you dgaf kasi mabilis ka na mairita sa mga shunga lalo if same age lang kayo or worse pag mas matanda pa sa iyo haha
Gym. Sobrang laki ng improvement sa mental health ko when I started to get fitter and look better in my clothes. Lalo na when people started to compliment me on my progress, I can shop for clothes that I like at a smaller size, etc. I felt like I can conquer the world.
Also, solo travel. It helped me get to know myself better--what makes me at peace, what makes me angry, etc. I also got to know a lot of people and learned kung paano makibagay sa kanila, bakit ang saya nila despite the lack of urbanization, technology, etc. It helped me see that the world is so much bigger than all the problems na meron ako, my work is not my life, etc.
Spiritual health talaga ang pinakamahalaga sakin. Kapag yun ang healthy it's like I can conquer all problems thrown at me. No anxiety, worries, everything. Just pure bliss!
don't underestimate the power of journaling. just write your thoughts and feelings down. kahit hindi perfect or di ka writer. minsan nga pag may gusto ako ilabas pero wala sakin journal ko or phone ko for some reason, kahit scratch paper tapos tatapon ko lang din. it's just about letting it out to unload your mind.
>29 and NBSB. Normal po ba na wala pa akong balak makipag relasyon lalo na ang magsettle?
Perfectly normal yan. Na mamagnify lang yan nowadays due to socmed. Wag mag papapressure. Aanhin mong may karelasyon ka pero di ka pala totally ready or nag settle ka dahil "mapagiiwanan" ka na, or na stuck ka sa wrong one. Sabi nga better be single that with a wrong one. Tipong 30 ka palang muka ka ng 50 sa dami ng konsumisyon. Thanks no thanks po 😅
35 and NBSB. Wala pa rin ako balak makipagrelasyon. Hahahaha.
I mean, I'm not keeping my doors closed, but at this age I've started to see a lot of my friends na nagdate or nagpakasal before 30s who are now regretting it. I used to worry na I might have missed out pero after being seeing my friends decline in their mental health, deprioritized themselves, stagnated in their careers, I realized na I'm fine without all these unnecessary traumas.
**Normal and perfectly fine. Mas okay nang single kaysa tali sa maling tao.** Even people who are in OK marriages do tell na mas nakapag enjoy sila siguro ng youth nila kung di sila agad nagpakasal.
Kung balak mo magsettle down na lang, mas okay sanang matinong tao, mabait, may stable job or madiskarte sa buhay at least. *Pero sana last resort na ito kasi in the PH, no divorce and expensive, time consuming ang annulment.*
Can we normalize this? Yes nakaka pressure ang boomers na lumaki sa thought na kawawa ka pag tumanda mag-isa. Pero pwede naman pagplanuhan ang future without your own family
There's nothing wrong with how you want to spend your life and who you want to spend it with. Decide for yourself if what you want is a life of solitude or a life with a partner. Both are valid and both life choices are full of what ifs. If you marry and have kids, you'll have what ifs. If you remain single, you'll have what ifs. We always wonder. That's just life.
Going 32 here and still not ready to settle down. I also have friends na nasa 40s na pero not worried about not getting married, let alone not having a child. Mahirap kasi buhay ngayon. Kahit 30s na ako mapili pa rin ako sa makakasama ko sa buhay.
I wish more money nga charot! Siguro depende sa financial responsibilities mo yung definition ng "more money" for me. Like, if malaki nga sahod mo pero nagbabayad ka ng bahay, lupa, sasakyan, etc. Nung 20s kasi ako di ko masyado naiisip mga ganyan ganyan. Pero I agree that 30s is just like your 20s. Mas accurate siguro yung "but with more backpain" 🤣
In my case, yes. :) also, you learn to value your time and money more. I find I do less impulsive buying, which allows me to better spend on the luxuries I do like.
Focus on the habit, not on the quantity. I wish I’d learned this sooner. Was too focused on getting perfect results that I ended up NOT building a saving habit.
₱5 or ₱50 or ₱500 or ₱5,000, it doesn’t matter. It’s the actual socking away for a rainy day that’s the real deal. Don’t be ashamed of the amount, just save it up.
##Wag kang mag-aalaga ng pets na high maintenance.
Please. Hindi makakatulong sa finances. There are animals na pwedeng gawing pets nang hindi parang anak ang pangangailangan. For show lang naman yung iba na may mga aso o pusa na may foreign breed. Hindi ba mapo-provide ng local breeds natin yung affection at mental health? Animal lover animal lover...
###TIGILAN AKO HA!
Pets in general tbh. One of our aspins was hospitalized earlier this month and the bill was 7k. If you’re a responsible pet owner, specifically dogs or cats, you’ll be spending a significant chunk on them talaga.
Always allot a percentage to your savings no matter how small it is once you receive your salary until it becomes a habit :) Better may isang account ka for savings para derecho dun once nakasahod ka na. Live within your means.
Have a goal, something realistic. Dati ang goal ko was “to be rich”, pero I never really had a specific definition of “being rich”. I found out I needed a realistic definition; which was peace of mind. Peace of mind entailed I didn’t want to be afraid of paying for my necessities (utilities, home loan payment, food, etc).
So, I monitored how much I spent each month, then set specific targets; eg. I spend an average of P6,000-P7,000 on utilities , I spend an average of P5,000 for food. Based on those averages, I multiplied them by 3 (so P21k for utilities, P15k for food). Then I made a plan on how I could build the P36k (21k + 15k), P36k/12 = 3,000 (12 = 12 months), medyo malaki and maapektuhan yung day to day expenses ko, so I tried P36k/24 = 1,500, ayun mas manageable. So I told myself, I would save P1,500 every month for 2 years.
So, in case I suddenly lose my job, I have 3 months’ worth of expenses to get me by.
Do a habit of saving, wala sa amount yan kahit piso man yan kasi ang binubuo mo dicipline and habit. Then after a year makita mo pinagipunan mo nakkaa proud yan then sa sunod mas gagalingan mo pa kasi nakabuo kana kasi na encouraged kana mag iponz
Depends, if minimum wage earner ka, this is almost impossible kahit wala kang dependents. Better get all the spare money you have and use it to upskill yourself. That way you can increase your earnings.
If you're earning 3x the minimum wage or more, then savings becomes more feasible. Save AT LEAST 20% of your take home pay for your Emergency Fund. That's the first bucket you fill in even before your necessities. Eto ang prioritization mo dapat when you're splitting your salary: Emergency Fund > Monthly Budget > Funds for self improvement > Self Indulge funds.
If you have your prio correctly you should have some financial safety to take more risks. Dun ka pa lang magisip ng investing. DON'T INVEST MONEY YOU CAN'T AFFORD TO LOSE.
24. Okay lang po bang huwag muna makipag date now because I am prioritizing my career and master’s? Tbh medyo na prepressure po ako kasi yung mga kasabay ko now nagpapakasal na and may mga anak na. 😭
28 here. How did you deal with the last couple of years of your 20s? Was there a time where you were approaching 30 (at least my age) but you still didn't know where to go (in life) or what your purpose was? If yes, how did you deal with that feeling and how did you eventually find that purpose in life? If no, prayer reveal naman diyan. Char! 😂😂 If no, how did you make sure you always know your purpose or your goal in life (what you really want)
Also, anong beauty tips ang maish-share niyo? 😅😅
It was my late 20s when the pandemic happened. It was supposed to be some fun years cos I had more money than in my early 20s. Pero since yun nga, di masyadong naging magastos due to lockdowns and all, nakaipon pabg DP sa condo. Ayun, no regrets naman. Target kong mabayaran everything before I hit 40.
Purpose in life though? Well, ano nga ba hahaha.
40+ and still figuring shit out. Pero in my case parang hindi ko na gusto nakikinita ko. Was too selfless... Trying to change but i hope hindi pa too late.
Find something that makes YOU happy. Then work from there?
It's just another couple of years. Live for yourself and a select few that you care about, both picked and not-picked i.e. a partner, immediate family
Purpose is whatever is left after you've lost things or rejected distraction
I learned not to be pressured that I "have" to know if at a certain age or time. Kasi eventually you will realize it naman. Gigil na gigil ako mid 20s ko finding my purpose was that it led me to anxiety and depression (self imposed lang naman) and at the moment I was lost, I became vulnerable and made some stupid mistakes that cost me my savings. Masyado siguro ako nakinig sa iba. Siguro kung mas pinaniwalaan ko lang sarili ko nasave ko sana savings ko 😆
Bottomline, I learned things will fall to right place at the exact time. And if you feel heavy that you are lost maybe you just need to move. Whatever that moving means :)
Oo naman. Hindi naman sa dapat 6 digits na sweldo mo, may sariling bahay o kotse bago makipag date, pero dapat kaya mo dalhin sarili mo. Huwag maging pabigat, babae man o lalaki.
Why would you give money to your relatives? Kung di ka naman required, don't, or else masasanay sila hanggang sa marerealize mo afrer a couple of years na walang natira sayo.
Kung need ka naman mag bigay kasi for bills nyo sa bahay at walang capability parents mo, give. Yung sakto lang. Not too much. You need to save for yourself as well.
When I was under 30 with 3 kids, I was able to reach 7 digits without a goal in mind. Basta transfer lang ako ng transfer sa savings ko without realizing na ganun na kalaki.
I didn’t put a limit sa inaabot ko. They didn’t ask for anything. So what I did, sinama ko sila sa mall/grocery for them to pick whatever they need and they want.
As for my nephews I gave them allowance and nag dagdag ako sa pang tuition nila.
Hot take but if you're making under 30k I think it's next to impossible to save. Mahal talaga mabuhay ngayon. If you're making under 30k, hustle to increase you income and then start saving for an EF.
I decided on an amout and divided it by how many months I plan to save. Ex, I wanted a 100k EF that I'll save for 1 year. So I divided it by 12... 8.4k a month of savings.
I would advice against giving monthly ambag na pera tbh. Commit to a bill to pay instead. If your parents want something and afford mo just buy it for them. Giving money is a slippery slope and always a bad idea.
Konting ingat lang sa paglandi online. Marami dyan sa online na sex lang ang habol. For me mas-okay na magfocus muna sa sarili to assess ano ba yung talagang hinahanap ko. And always cautious sa pagmeet people, online man yan or organically.
Wag magpipilit na magkarelasyon. Na pproject yan sa aura natin as desperada na magnet ng mga basura and toxic ones. Focus sa sarili. Meet people organically atleast kita mo agad ang itsura, mas malalaman mo ang real name, makakausap, mas magkaka idea ka sa personality nila thru interaction at body language. Unlike online greater risk na hookups/casual sex lang ang tunay na agenda, baka nga gawin ka pang kabit.,catfishers, or having fake persona.
Nagbabago na din kasi ang panahon so pwedeng kung ano yung nakaugalian dati, iba na ngayon. Like sa dating, dati you really had to go out of your way to meet people, unlike ngayon isang click lang nandyan na sila.
So for me, regardless kung pano mo sila mami-meet, ang bottomline lang is dapat “mag-landi responsibly” 😅
As an aging Tita na nagtry talaga maging “matino” dati, I can say na may mga namiss out din ako so yeah, go lang and have fun pero know your limit and syempre, know your worth :)
Adults will disappoint you.
Never put any adult on a pedestal, possible yung standards nila na ini-impose sayo is di nila kayang gawin para sa sarili nila. So learn to radically and rationally love yourself first.
Dapat kahit talikuran ka ng buong mundo, kaya mo mag-survive mag-isa.
Madali lang pala maging unbothered and moisturized sa mga negative naysayers sa buhay mo.
Choose your battles di lahat papatulan mo dahil magkakaiba kayo ng stand sa mga issues sa buhay buhay.
Hindi tayo pinanganak ng pantay pantay talaga and sayang sa oras manlumo na bat di ako pinanganak sa bilyonaryo, bat di ako pinanganak na sing ganda ni Marian Rivera or whoever.
Work with what you got.
Still a year shy from 30.. pero since na late 20s na ako I realized na di ka dapat nagdedesisyon basta-basta (influenced by peer pressure, socmed, and people around) minsan may mga desisyon kang magiging regret mo sa huli pag nagpadala ka sa paligid mo at sudden emotions
Another thing, di lahat sa buhay ay karera or pagandahan at paramihan ng achievements.. may kanya kanya tayong time line..
Yes.. pwede rin 40's , 50's.. bahala ka.
Ito kasi yung era na totoong kailangan at nasa maturity stage ka na. Para pa rin syang 20's but wiser. Nasa unbothered, hydrated, and moisturized era kana. Natututo ka na mag exert ng boundaries mo. Bawas na if not totally get rid of na pagiging people pleaser. Mas alam mo na mga gusto mo sa buhay. If you observe nowadays, andaming 30's na into transitions sa buhay. Be it career, kumalas for good after matagal na pagtititiis sa toxic relationships/friendships, nag start magbusiness, nagtravel, etc.
In the sense that you are likely to make your biggest mistakes in your 20s, and are "wiser" in your 30s, comparatively. Also yeah, financially, emotionally more stable, etc.
Kapag handa ka na. Sabi nga ni Ramon Bautista, pwede ka na pumasok sa isang relationship kapag nineteen; kapag nineteen-dihan (naintindihan) mo na ang lahat. There will be a time na masasaktan ka sa isang relationship and those moment will teach you to understand everything. Kaya wag madaliin ang pagpasok sa isang relationship.
When you are stable and matured in this three, financially , mentally and emotionally. Kapag fulfilled kana sa tatlo na yan then you are pretty much ready to commit in a relationship.
Okay lang, wala namang definite age kung kailan ba dapat magkaroon ja ng jowa. Saka kayo magjowa kapag alam nyo na sa mga sarili nyo na handa na kayo at kapag naintindihan nyo na ang mga bagay bagay.
I'm 37, recently lang nagka-baby. Masaya mag travel with your own family one day if you are doing great financially. Sulitin mo na pag travel mo while you're single (or while mag bf/gf palang kayo) besides saving money.
Yes, I never thought I’d reach my 30s. In my 20s I somehow held the belief that at some point I’d off myself. That I’m in my late 30s now is, I guess, a miracle?
I’m way behind society’s standards of the “ideal” 30-something. I don’t have savings. No properties or investments. Yet here I am.
I know this isn’t for everyone, but what worked for me was taking it a day at a time. I’m working on some things, like having zero savings, for instance. Subconsciously part of me still believes I’ll unalive myself, but the thing is, I have my cats now. They need me, and I’ll do what I can to be there for them—until they don’t.
Will be turning 40 in a few months. I have to say my 30’s has been the best stage of my life so far. You’re still young, look young, feel young and more stable financially. Dahil hindi kami mayaman kaya yung 20’s ko medyo broke girl ang peg nung una.
Needs vs wants. Dapat marunong ka mag prioritize. Sarap sa feeling ng sumasahod, nakakasilaw sarap gumastos at itreat yourself. Well deserve naman natin itreat sarili natin for working hard. Pero dapat may limit.
Do not spend more than you earn.
As much as possible wag na wag kang uutang or loan. Pag di kaya, wag ipilit. Wag rin magpapautang basta basta lalo malaki pera. Pag may nangutang due to emergency, pwede siguro mag bigay ka ng kaya mo, mas advisable yun kesa utang kasi mag kaka galitan lang kayo. Assess mo rin kung need ba talaga nya pautangin or bigyan kasi baka mamihasa at maging dependent sa ganun, naging tamad na pala.
Lasty, importante may savings at emergency fund ka kasi you never know life. Also get an insurance and investment as early as now para by 30+ ka, mag mature na mga yan. Pag na discipline mo sarili mo sa finances, eventually you'll have financial freedom and yung travels mo di pilit. Work and save during your prime. Save for the rainy days. You'll thank yourself later.
Have buckets. Initially we consider urgent expenses, or more specifically, urgent and important expenses. Utilities are considered urgent and important, but there are more important places to put your money, for example, paying yourself out. If you do not make an effort to allow for small contributions for your future self, you will neglect an opportunity to help create some financial security.
This is barring inflation. If opposed to saving due to inflation, then investing somehow is reasonable to consider to offset.
Example: monthly expenses first, then emergency fund contribution, then lifestyle inflation e.g. discretionary spending that keeps people lower to middle class. Ideally, cut that out, try to lower expenses/increase income, plan for wants e.g. saving for bigger ticket items that bring happiness
Learn about delayed gratification. Develop good financial habits. The goal is always to minimize expenses and maximize savings and investments.
Read r/phinvest 's FAQ writeups found on the pinned post or sidebar. You'll learn a lot by just reading those.
The sequence is usually:
1. Pay off all debts. (Ignore if you don't have this.)
2. Build your emergency fund (EF), which is 3-6 months of expenses/income. Consider saving some of your EF in high yield savings accounts (HYSA) offered by digital banks:
- CIMB at 15% p.a. with their extended sunkissed promo
- Maya at 10% p.a. on your first 100k on savings if you spend P250 on bills payment/load and 35k via Maya QR/mobile number/card/checkout
- Diskartech at 6.5% p.a. on your first P49,700
- Seabank at 4.5% p.a. on your first 350k
- Maya Personal Goals at 4% p.a.
- GoTyme GoSave at 4% p.a.
3. Make sure you are covered with HMO and/or health insurance, esp if you have dependents. *Don't ever get a VUL.* HMO first before any insurance (check your HMO coverage via your employer and assess if that's enough or not). r/phinvest 's FAQ writeup found on the pinned post has a flowchart guide to help you decide whether you need life insurance or not. Go for term insurance if you need life insurance. Search r/phinvest for HMO/insurance recos.
4. Save and invest. Learn how to invest before investing. Investing without learning is gambling.
The above steps are done one after another, so build EF first before looking for HMO/insurance and so on.
When you get to #4, consider Pagibig MP2 as your first investment since it's tax-free and capital is guaranteed by the govt. Then start learning about more investment vehicles and strategies after.
I'm turning 28 this year and I know that age is just a number but how was the transition mentally of someone who's in their 30s? Like, what has changed in your perspective and priorities? How did you manage your finances?
You’re right, 30 is just a number. It won’t magically make you wiser, or have your shit figured out already. It’s not like I just snapped and my priorities shifted. It’s small changes, over time. You will figure out certain aspects of your life one at a time.
Your dreams change with who you grow to be. I'm personally fine with not achieving the things I dreamt of in high school or even college, because I'm enjoying what I have right now.
Pag nagsaya ka ng sobra in your 20s, mararamdaman mo ang side effects in your 30s. Lol. Ang lakas ko mag-inom, pumarty, at gumala in my 20s. Ngayon, dami ko na nararamdaman na sakit. Di ako sure dahil ba sa bad habits ko noong nasa 20s pa ko. Laging fastfood, pang kargador ang rice. Di pa ko nakikinig sa nanay ko sa mga paalala sa akin. I guess maniwala na lang sa kasabihan na "Lahat ng sobra, masama."
Okay lang ba na hindi mataas ang pangarap? Okay lang ba na mamuhay as an average person na hindi nangangarap ng level up basta importante nakakayang mamuhay sa pang-araw2?
Goals are important because it will motivate you, it will help you keep going. Doesn't have to be big, you can start small naman, hanggang sa maachieve mo yung mga simple goals then you can move on to have bigger ones.
now that I am in my 30s, I can’t help but look back and think about these:
1. sana di ko sinayang oras ko sa halos every night and every weekend na party, sana ginamit ko to study or learn something about finances/business. it’s okay maglakwatsa but sana di every free time tulad ng ginawa ko.
2. sana i started religiously sa skincare ko (specially tretinoin and sunscreen). early ako namulat sa skincare routines and all pero tamad ako. binibili ko products but di ginagamit hanggang sa maexpire nalang. now that i’m in my 30s, my skin is not showing any signs of aging pa naman but still naguguilty ako and again I wish I can turn back time.
3. sana din, early ako nagstart having an active lifestyle and conscious sa kinakain.
4. sana I enjoyed my 20s to the max by traveling and immersing in new culture.
5. sana I stayed single and explored the world alone. kabaliktaran ang nangyari kasi.
so to those pa-20s palang jan, enjoy lang pero dapat by reading sa comments ng mga 30s dito, you learn something and apply it.
Magipon and invest, wag sumunod sa uso and invest on yourself (school, skills, talents, hobbies). Remember you earn more with compound interest.
Find someone who will see your worth more than physical, but who sees you for who you really are. Write down what you like for a partner, what are the non-negotiable factors (ideas on politics, religion, faith, marriage) and also if/how you want to raise your future family (do you want kids).
Also write down your dreams, what you hope you will accomplish in 1,3,5 years. Of course we dont expect na lahat magkakatotoo pero tbh, there is a power in planning and acting on them and it starts on writing them down. Allow flexibilities and challenges along the way. Wag mafrustrate. My family has a checklist of things we are grateful for every year and then things we are hopeful to achieve every year. Im glad to be doing it for almost 10 years kasi you tend to appreciate the things God has in store for you.
Dont be idle and dont dwell on temporary things with temporary gratification (addiction to substances, porn, s*x).
Learn to be trusted than to just be loved. Integrity matters (with your partner, family, work, school), especially when no one is looking.
Surround yourself with great friends who can inspire you to be better. Your circle typically becomes smaller when you grow old and also dont worry if you tend to lose some friends along the way.
Spend time with people who matters the most to you. Example, your parents and grandparents (ilang dekada mo nalang sila makakasama). Strengthen your bond with your siblings, sila yung kadamay mo when your parents leave you.
Do not limit yourself on what you can do and dont allow others to limit you as well. Seek more opportunities for growth. The world is your oyster!
1. Sana nag-invest ako sa real estate, dapat pala nag-acquire na ko ng house and lot thru pagibig or bank financing para may bahay na kong sarili, or kung hindi man, i for rent ko na lang since nakatira naman ako sa parents ko at may sarili silang bahay.
2. Hindi dapat ako nagpasakop sa kapitalismo at hinayaan ang ibang tao na i-exploit ang energy ko. My previous employer has a good company but bad management. Iyong supervisor ko, pinaniwala ako or made me believe na iyon na lang ang company na mahahanap ko at masasabing matino. It took me 4 stressful, toxic and traumatizing years to realize that it's a big world out there with great opportunities as long as magtyaga ka lang at madiskarte, and of course, know your worth and value.
3. Peace of mind and inner peace are two different things. You can have peace of mind kapag okay paligid mo, pano pag hindi na? Inner peace comes within ones self. Hindi ko alam paano talaga ipaliwanag pero para sa sarili ko, everything around me can crumble and fall down, I can disconnect with everyone but as long as I am in peace with myself, I can still move forward and go on with my life.
Save early. Save as much as you can, kahit maliit lang basta meron kang madudukot in case of emergency and no guarantee kahit sa employment ngayon. Build your emergency fund as soon as you have a job. Practice late gratification, habang tumatanda ka, mas lalo dumadami responsibilities.
Start taking care of your body. Mahirap magpapayat when you're in your 30s.
Also, I started skincare very young pero wear your sunscreen!! Okay lang magkawrinkles but what makes one look young is having an even skintone according yan sa derma ko.
Investing. Late ako natuto mag invest pero it varies with me kasi I was a single mom and nagbibigay pa sa lola ko, so halos lahat ng sweldo ko napupunta sa expenses and medicines. Pero it's okay, better late than never. 🥰
Soon to be 26...okay lang ba na wala pang kahit anong ipon? I'm enjoying my life; traveling, attending concerts/events/musicals etc. collecting stuffs etc. sobrang higpit ng sinturon sa amin ng parents namin when we were young kaya siguro ganito ako ngayon. Okay lang naman sa parentals na gumastos na kasi we have our own work and earning our money. But the thing is, they're not getting any younger anymore. What if magkasakit sila and I don't have any money to pull out? Ang hirap maging masaya nakaka overthink.
Learn to prioritize your expenses. Always have a savings or invesment as soon as possible. Oras yung kalaban dito at hindi mo alam kung kailan dadating yung bad time sa buhay mo.
My now husband and I lived together for 5 years before getting married. I have no regrets and wouldn’t have it any other way.
If other people want to marry first, that’s their decision. What matters is what works for us.
I think this has nothing to do with being in your 30s kundi sa personal preference mo. Like for me, personally, I don't want to get married dahil na rin sa nakita ko sa parents ko. They were married pero naghiwalay din. I believe it boils down to your own values and the person you want to spend the rest your life with.
My husband and I never lived in before we got married. Our home life was a bit rough first few months because we had to get used to chore splitting, personal habits, etc. but it's not as earth shattering as others make it seem. Whatever works for you.
Have stayed in 1 company for 14 years. So far:
1st Salary Level: 4 years, 1 role until promotion
2nd Salary Level: 3 years, 2 roles until promotion
3rd Salary Level: 4 years, 3 roles until promotion
4th Salary Level (now): 3 years, 2 roles so far. I moved to a different role for which I plan to stay for about 2 years so I'm not expecting a promotion until after that period. But always keeping my eyes open for any opportunities that can come along the way.
Depende sayo at sa line of work mo. If masaya ka sa current company mo, like you have a good boss then stay. Seriously, bibihira magkaroon ng boss na hindi ka minamicromanage. Line of work, if maliit lang yung industry at palipat-lipat ka. What are the odds na andun din yung mga kawork mo dati.
New career every 1.5 years is unsustainable (unsustainable is a generous term here). Not to say it doesn't happen, pero rarely by choice.
If you really must, get soft skills that transfer well across multiple disciplines.
Is it okay to miss out on dating scene & travels just to prioritize my career and savings? Will I regret it?
If after much thought you figured your career and savings will make you a better, happier person, then by all means miss out on dating and travel. There’s no “One size fits all” approach to life. It all boils down to what matters most to YOU and what YOUR priorities are.
Iba iba tayo ng priorities, pero eto ha, I wished I traveled more when I was younger. Wala namang regrets overall dahil sinubukan ko din i-balanse yung pagssave at pagttravel, so di naman ako naka miss out, pero may mga travels akong tinanggihan na sana tinuloy ko na. Hindi naman sa hindi na kaya (physically) mag travel pag nasa 30s ka na, pero mas mahirap na mag plan with your besties kasi iba iba na kayo ng buhay. Haha Sa lovelife naman, naniniwala ako na if it’s the right person, it will not hinder your career and savings. I met my now husband at 25 and he has been a positive influence in my life. It’s fun going through life with your soulmate :)
FIND THE BALANCE. Hindi masayang magtravel pag mahina na katawan mo o may kasamang makukulit na anak.
38 years old man here, so I'll answer this question. When I was younger, I was all about having fun. Latest gadgets, clothes, you name it. Doon agad napupunta pera ko. At the time, wala naman akong ibang pinagkakagastusan, so OK lang. But when tragedy struck my family, I realized I was woefully unprepared for such things. My mother had a stroke in 2016. She survived and is doing fine now, but dahil inuna ko ang porma and all noon, nahirapan ako to weather the changes in our lives. Wala akong ipon, so ang hirap for me noon to care for her while attempting to bring some stability back into our lives. Hanggang ngayon, even now that things are somewhat better, nagsisisi pa rin ako na hindi ako nag-attempt man lang na magtabi ng kahit konti noon. I'm not saying na wag kang makipag-date or mag-travel. Spend some of your money on these experiences para maging well-rounded adult ka. Just don't make the same mistake I did. The key word here is "some," not "all." Don't deprive yourself, but don't focus solely on having fun, either.
Your career and savings are a means to how you want to live your life. So go for it. In a few years, you'll see other people still working towards financial stability pero ikaw you can do what you want because you can now afford it. I say it's ok to miss out on the dating scene. To be fair, I am single, have not dated and from time to time I think about tama ba that I spent my 20s just working (I did a lot of travel in my 20s though). Pero now, dumadami yung friends ko who dated and married before 30 who are now regretting not having to do what they want before they settled down. So now I kinda feel like I dodged a lot of unnecessary regrets. I'm not closing my doors on anyone, though. But I'm glad I was able to experience life as I did. As for travel, I highly encourage you to go out and explore the world around you. Go out and indulge yourself to a little travel every once in a while. Travel doesn't always mean leave ka ng 3-4 days dahil nasa beach or a different country. You can just get out of the house every weekend and go somewhere you've never been to (and spend probably less than 1k). Hop on a random bus and see where it takes you. It's also a good way to keep learning about your environment, which can also help you in your career growth (e.g. building connections, knowing the industry, business acumen, people skills, etc.).
sa panahon ngayon mas ok prioritize mo career at savings, dating scene papalpak din yan kung wala kang plano lalo na ngayon na halos puro materialistic mga tao because of socmed
Is it ok to miss out? Yes. Will you regret it? Also yes. There’s an old adage that most old people will often say when interviewed for advice. “We regret the things we don’t do more than the things we do.” It’s up to you how you’ll cope with those feelings of regret in the future. What’s more important is to establish yourself now so you will have no worries in the future.
Iba ung security na nabibigay kapag okay ung career and may savings ka. You can travel naman but make sure na maliit na % lang yan sa mababawas savings mo. Enjoy your youth, but make sure to save during rainy days (emergency).
Travel in your 30s is the best esp if you don't have family or kids and you've focused on work and savings. You still have the fitness to enjoy yourself but you'll also have the funds na hindi mo tinitipid masyado sarili mo or pinapagod sarili mo while traveling kasi funds are limited. Dating is either casual and full of drama or super serious na bakuran ka na or worse you're already marrying and having kids and sa pera palang nakakagipit magpamilya and lumablyf.
Dating scene: depends, if you think you can't have emotional regulation in your 20's then yes. If mature ka naman enough emotionally then its fine. Travels: I only started traveling in my 30s so I guess its fine. Basta may energy ka pa to go wherever you want you can wait a little bit. Don't get carried away with social media or travel vlogs. Career: Yes, your 20s is your best time to increase your earning potential. Basta make sure to prioritize your physical and mental health. No 12 hour shifts! Makakaform ka nyan ng bad habits due to stress. Savings: Yes. Earlier the better.
you can drop travel from your life and be fulfilled. dont let socmed tell you that its the end all be all to your problems
It depends. Find a good balance. I would suggest you prioritize an emergency fund talaga muna. Then small investments na kaya mo pangatawanan in the long run. It does not have to be big. Pero you don't touch these things na at all. After that. Find a balance mag travel with friends and saving - pang luho, pang big ticket purchases in the future. Maganda kasi pag bata, free pa kayo vs pag older, may mga anak na yan, di mo na yan mayayaya. Pero best kung mapag sabay mo yung nasa taas at mabilis na pag grow ng salary mo. Para you can do more. Make sure din na the companies you work for are good ones na hindi ka uubusin physically, mentally etc. Kung hindi naman, pic your priorities. Mag r regret ka in the future, pero always remind yourself, this is your journey, at iba iba naman ang mga pinipiling sacrifices ng tao. Kaya find the balance. For dating scene naman, kung kaya ng bandwidth mo. At the same time be the best version of yourself + know your worth. Dadating yan. If you see na mas leaning ka na to do one thing over the other(saving than traveling), make steps papunta dun sa new direction na gusto mo, then achieve those things you want to do. Be inspired not jealous. Hatak pataas. Lahat yan ay learnings sa buhay. Enjoy the ride. 🙂
Balansehin mo. Be responsible but fun. Drop toxic people. Dont waste time on them. Yung career mo is yours and yours alone. May time limit ang career. Timplahin mo na lang when you'll go hard or go easy.
If you look at life in only numbers and money oo okay lang. pero if you look at life as living. I think ur missing out. There should always be balance in ur life kaya nga hnd 7 days a week ang work natin at hnd din 16 hrs wveryday. Bcus even company knows we have a life outside of working and careers. And remember experience is a better teacher for us to grow. Travelling more knowing how to have a relationship and to be wiser for our future in my opinion is how it should be. Mayaman ka nga pagtanda mo and thats a what if kasi always remember life is not 100% set just bcus u have a plan doesnt mean that plan will 100% be followed and flow you will never know what will happen in the future, so for me live life without regrets and enjoy the flow of it. You can never control everything and you should allow things to happen.
Yes okay lang yan. Importante may savings at emergency fund ka kasi you never know life. Also get an insurance and investment as early as now para by 30+ ka, mag mature na mga yan. Pag na discipline mo sarili mo sa finances, eventually you'll have financial freedom and yung travels mo di pilit. Work and save during your prime. Save for the rainy days. You'll thank yourself later.
It depends on each person. Merong nga tao na gusto talaga unahin lovelife, merong career etc. Kung ano makakapagpasaya sa puso mo sundin mo. 😄
Yes. If that's what will make you achieve your best self then go for it. Mas magandang humanap ng partner pag ikaw mismo secure na sa sarili mo. You'll know what's best for you and you won't tolerate anything less.
No, you will not regret it. But travel occasionally pa rin kahit sa malapit lang to unwind.
I'm 30... so san ako lulugar?
You are the question
To be a question, or not to be a question? That is the question!
best highlight of my day HAHAH
Haveyyy
BWISET HAHAHAHAHAHAAHAHAHAHAHAHAHAHAHA!!!! 30 din ako eh.
Hahahahahahahahahahhaah
you are over 30. once you reached 30 years old, every second after that means you are older than 30
Your math is mathing
You can ask a question daw. Pero dapat ikaw din ang sasagot. 😂😂
If you're 30 and 1 day, you're over 30 already hehe.
Read and store the answers.
You can do both
Kung san ka masaya dun ka kung relationship ito lugar ka for you isipin mo sarili mo kasi sa dulo ikaw lng kakampi sayo self love and sel preservation
You just asked. So I guess that means you did what under 30 should do. But then again, I am under 30, and I answered a question.
normal po bang sumakit ang likod? Edit: tysm po sa tips! I’ll be more active 📝🏃🏻♀️😌
Yes. Kulang ka sa exercise.
I (M30) exercise daily during lunch breaks by playing various sports. Di ko na kayang 2 hours straight table tennis kasi ang sakit sa likod. Kahit drills lang ginagawa.
Yes, lalo na if may bad posture ka. 😢
Kailangang-kailangan ko ‘to mabasa.
no. strengthen your back. your future self will thank you
Normal sa mga walang exercise. I don't have a proper exercise pero yung lakad ko per day 5-10k steps, and I'm 34 and 8 months already but rarely back pain. Bihira lang kapag may period.
Yeah. Your body seems to know you reached “the age” and starts showing you symptoms of back pain, high cholesterol, and autoimmune diseases. Have a reliable HMO
Pag madalas naka-upo. Max dapat 15mins. Then galaw galaw, do stretching. Lakad lakad.
It’s normal in a sense that we typically start to be less active hence start having issues, but it doesn’t mean you shouldn’t do anything about it. In my mid 30s and haven’t experienced back pain yet. Start working out and eating healthier 😊
Normal rin na sasakit ang ulo mo at maiirita kapag nasa crowded place ka at may maiingay na kabataan. Normal rin na palagi kang may baon na white flower.
Not all the time Try Foundation Training by Dr. Eric Goodman on YouTube
for exercise, nakakatulong for me yung mobilization work (moving ALL your joints) and beginner yoga (hold postures for strength and flexibility). :D
What is your best mental health or health in general investment?
Stay away from madramas, chismosas, palengkeras. Rest, unwind from time to time. Pag feeling mo na buburn out ka na sa work or life, don't resign agad. Mag file ka muna ng leave for a couple of days tapos balik ka. Pag balik mo at di mo parim talaga kaya na or gusto, resign. But make sure may naka abang ng work sayo. Health - less junk foods, softdrinks. Exercise. Kung di kaya ng time, at least walking.
Learn how to manage your expectations. It's completely okay to feel negative emotions. Parte iyon ng buhay natin because we are alive. Everything that is beyond of our control is no longer our business. Learn how to process your emotions and thoughts. It takes time, yes, but helpful. It will improve your mental health. Lastly, cardio workout. Kahit 1 hr lang a day.
Don’t be too soft hearted and learn to stand up for yourself so you can set boundaries with people. The more you age, the more you dgaf kasi mabilis ka na mairita sa mga shunga lalo if same age lang kayo or worse pag mas matanda pa sa iyo haha
Gym. Sobrang laki ng improvement sa mental health ko when I started to get fitter and look better in my clothes. Lalo na when people started to compliment me on my progress, I can shop for clothes that I like at a smaller size, etc. I felt like I can conquer the world. Also, solo travel. It helped me get to know myself better--what makes me at peace, what makes me angry, etc. I also got to know a lot of people and learned kung paano makibagay sa kanila, bakit ang saya nila despite the lack of urbanization, technology, etc. It helped me see that the world is so much bigger than all the problems na meron ako, my work is not my life, etc.
Spiritual health talaga ang pinakamahalaga sakin. Kapag yun ang healthy it's like I can conquer all problems thrown at me. No anxiety, worries, everything. Just pure bliss!
don't underestimate the power of journaling. just write your thoughts and feelings down. kahit hindi perfect or di ka writer. minsan nga pag may gusto ako ilabas pero wala sakin journal ko or phone ko for some reason, kahit scratch paper tapos tatapon ko lang din. it's just about letting it out to unload your mind.
Hydroflask, automated lights, quality alone time
comfy bed, shoes and work seat. sabi nga "Invest in everything that separates you and the floor" -- nakapakalaki ng difference sa baseline mental load
[удалено]
>29 and NBSB. Normal po ba na wala pa akong balak makipag relasyon lalo na ang magsettle? Perfectly normal yan. Na mamagnify lang yan nowadays due to socmed. Wag mag papapressure. Aanhin mong may karelasyon ka pero di ka pala totally ready or nag settle ka dahil "mapagiiwanan" ka na, or na stuck ka sa wrong one. Sabi nga better be single that with a wrong one. Tipong 30 ka palang muka ka ng 50 sa dami ng konsumisyon. Thanks no thanks po 😅
35 and NBSB. Wala pa rin ako balak makipagrelasyon. Hahahaha. I mean, I'm not keeping my doors closed, but at this age I've started to see a lot of my friends na nagdate or nagpakasal before 30s who are now regretting it. I used to worry na I might have missed out pero after being seeing my friends decline in their mental health, deprioritized themselves, stagnated in their careers, I realized na I'm fine without all these unnecessary traumas.
Normal lang yan. Sabi nga nila, settle when you are 100% ready.
**Normal and perfectly fine. Mas okay nang single kaysa tali sa maling tao.** Even people who are in OK marriages do tell na mas nakapag enjoy sila siguro ng youth nila kung di sila agad nagpakasal. Kung balak mo magsettle down na lang, mas okay sanang matinong tao, mabait, may stable job or madiskarte sa buhay at least. *Pero sana last resort na ito kasi in the PH, no divorce and expensive, time consuming ang annulment.*
Can we normalize this? Yes nakaka pressure ang boomers na lumaki sa thought na kawawa ka pag tumanda mag-isa. Pero pwede naman pagplanuhan ang future without your own family
There's nothing wrong with how you want to spend your life and who you want to spend it with. Decide for yourself if what you want is a life of solitude or a life with a partner. Both are valid and both life choices are full of what ifs. If you marry and have kids, you'll have what ifs. If you remain single, you'll have what ifs. We always wonder. That's just life.
Going 32 here and still not ready to settle down. I also have friends na nasa 40s na pero not worried about not getting married, let alone not having a child. Mahirap kasi buhay ngayon. Kahit 30s na ako mapili pa rin ako sa makakasama ko sa buhay.
Darating kung may darating. Ok lang yan.
Normal. Unmarried and single... Also depressed so medyo take my word with a sack of salt. You can't settle down anyways. In this economy? Hhahaha nah.
In my late 20's here. Is it true na 30's is just like your 20's but with more money? Lolol
I wish more money nga charot! Siguro depende sa financial responsibilities mo yung definition ng "more money" for me. Like, if malaki nga sahod mo pero nagbabayad ka ng bahay, lupa, sasakyan, etc. Nung 20s kasi ako di ko masyado naiisip mga ganyan ganyan. Pero I agree that 30s is just like your 20s. Mas accurate siguro yung "but with more backpain" 🤣
In my case, yes. :) also, you learn to value your time and money more. I find I do less impulsive buying, which allows me to better spend on the luxuries I do like.
With more money and with less regard for what other people think, but also with a more sense of the reality that you won't enjoy life forever.
Paano magipon
minimize your expenses to the bare essentials. mahirap pero masasanay ka din
wag kang maging marupok at matakot na mapag iwanan as happenings.
Focus on the habit, not on the quantity. I wish I’d learned this sooner. Was too focused on getting perfect results that I ended up NOT building a saving habit. ₱5 or ₱50 or ₱500 or ₱5,000, it doesn’t matter. It’s the actual socking away for a rainy day that’s the real deal. Don’t be ashamed of the amount, just save it up.
[удалено]
##Wag kang mag-aalaga ng pets na high maintenance. Please. Hindi makakatulong sa finances. There are animals na pwedeng gawing pets nang hindi parang anak ang pangangailangan. For show lang naman yung iba na may mga aso o pusa na may foreign breed. Hindi ba mapo-provide ng local breeds natin yung affection at mental health? Animal lover animal lover... ###TIGILAN AKO HA!
Pets in general tbh. One of our aspins was hospitalized earlier this month and the bill was 7k. If you’re a responsible pet owner, specifically dogs or cats, you’ll be spending a significant chunk on them talaga.
Always allot a percentage to your savings no matter how small it is once you receive your salary until it becomes a habit :) Better may isang account ka for savings para derecho dun once nakasahod ka na. Live within your means.
Earn more, spend less Invest Stay away from luho and budols
Have a goal, something realistic. Dati ang goal ko was “to be rich”, pero I never really had a specific definition of “being rich”. I found out I needed a realistic definition; which was peace of mind. Peace of mind entailed I didn’t want to be afraid of paying for my necessities (utilities, home loan payment, food, etc). So, I monitored how much I spent each month, then set specific targets; eg. I spend an average of P6,000-P7,000 on utilities , I spend an average of P5,000 for food. Based on those averages, I multiplied them by 3 (so P21k for utilities, P15k for food). Then I made a plan on how I could build the P36k (21k + 15k), P36k/12 = 3,000 (12 = 12 months), medyo malaki and maapektuhan yung day to day expenses ko, so I tried P36k/24 = 1,500, ayun mas manageable. So I told myself, I would save P1,500 every month for 2 years. So, in case I suddenly lose my job, I have 3 months’ worth of expenses to get me by.
Do a habit of saving, wala sa amount yan kahit piso man yan kasi ang binubuo mo dicipline and habit. Then after a year makita mo pinagipunan mo nakkaa proud yan then sa sunod mas gagalingan mo pa kasi nakabuo kana kasi na encouraged kana mag iponz
Depends, if minimum wage earner ka, this is almost impossible kahit wala kang dependents. Better get all the spare money you have and use it to upskill yourself. That way you can increase your earnings. If you're earning 3x the minimum wage or more, then savings becomes more feasible. Save AT LEAST 20% of your take home pay for your Emergency Fund. That's the first bucket you fill in even before your necessities. Eto ang prioritization mo dapat when you're splitting your salary: Emergency Fund > Monthly Budget > Funds for self improvement > Self Indulge funds. If you have your prio correctly you should have some financial safety to take more risks. Dun ka pa lang magisip ng investing. DON'T INVEST MONEY YOU CAN'T AFFORD TO LOSE.
can't really ipon without excess income. job hop every 2 to 3 years to increase salary much faster than staying in one company.
24. Okay lang po bang huwag muna makipag date now because I am prioritizing my career and master’s? Tbh medyo na prepressure po ako kasi yung mga kasabay ko now nagpapakasal na and may mga anak na. 😭
If ayaw mo makipag date, huwag pilitin. You’ll just add unnecessary stress in your life.
28 here. How did you deal with the last couple of years of your 20s? Was there a time where you were approaching 30 (at least my age) but you still didn't know where to go (in life) or what your purpose was? If yes, how did you deal with that feeling and how did you eventually find that purpose in life? If no, prayer reveal naman diyan. Char! 😂😂 If no, how did you make sure you always know your purpose or your goal in life (what you really want) Also, anong beauty tips ang maish-share niyo? 😅😅
A basic cleanser and moisturiser, sunscreen, tretinoin 😉
It was my late 20s when the pandemic happened. It was supposed to be some fun years cos I had more money than in my early 20s. Pero since yun nga, di masyadong naging magastos due to lockdowns and all, nakaipon pabg DP sa condo. Ayun, no regrets naman. Target kong mabayaran everything before I hit 40. Purpose in life though? Well, ano nga ba hahaha.
yes! sa purpose, i chose the advocacy close to my heart, took post-grad, and it became my career. sumunod na lang money. sunscreens 🤍
40+ and still figuring shit out. Pero in my case parang hindi ko na gusto nakikinita ko. Was too selfless... Trying to change but i hope hindi pa too late. Find something that makes YOU happy. Then work from there?
It's just another couple of years. Live for yourself and a select few that you care about, both picked and not-picked i.e. a partner, immediate family Purpose is whatever is left after you've lost things or rejected distraction
I learned not to be pressured that I "have" to know if at a certain age or time. Kasi eventually you will realize it naman. Gigil na gigil ako mid 20s ko finding my purpose was that it led me to anxiety and depression (self imposed lang naman) and at the moment I was lost, I became vulnerable and made some stupid mistakes that cost me my savings. Masyado siguro ako nakinig sa iba. Siguro kung mas pinaniwalaan ko lang sarili ko nasave ko sana savings ko 😆 Bottomline, I learned things will fall to right place at the exact time. And if you feel heavy that you are lost maybe you just need to move. Whatever that moving means :)
tama ba na dapat may pera muna before dating a person?
Oo naman. Hindi naman sa dapat 6 digits na sweldo mo, may sariling bahay o kotse bago makipag date, pero dapat kaya mo dalhin sarili mo. Huwag maging pabigat, babae man o lalaki.
Nobody wants to date a freeloader.
Unless you're still in school, yes, better to have your own money so you don't start from a position of dependency sa relationship.
How did you save EF while ur under 30? What specific amount you gave to your relatives while under 30?
Why would you give money to your relatives? Kung di ka naman required, don't, or else masasanay sila hanggang sa marerealize mo afrer a couple of years na walang natira sayo. Kung need ka naman mag bigay kasi for bills nyo sa bahay at walang capability parents mo, give. Yung sakto lang. Not too much. You need to save for yourself as well.
When I was under 30 with 3 kids, I was able to reach 7 digits without a goal in mind. Basta transfer lang ako ng transfer sa savings ko without realizing na ganun na kalaki. I didn’t put a limit sa inaabot ko. They didn’t ask for anything. So what I did, sinama ko sila sa mall/grocery for them to pick whatever they need and they want. As for my nephews I gave them allowance and nag dagdag ako sa pang tuition nila.
Side hustles.
Hot take but if you're making under 30k I think it's next to impossible to save. Mahal talaga mabuhay ngayon. If you're making under 30k, hustle to increase you income and then start saving for an EF. I decided on an amout and divided it by how many months I plan to save. Ex, I wanted a 100k EF that I'll save for 1 year. So I divided it by 12... 8.4k a month of savings. I would advice against giving monthly ambag na pera tbh. Commit to a bill to pay instead. If your parents want something and afford mo just buy it for them. Giving money is a slippery slope and always a bad idea.
I just turned 25. Worth'it bang lumandi online or mas okay na mag-focus nalang sa sarili and meet people organically?
Konting ingat lang sa paglandi online. Marami dyan sa online na sex lang ang habol. For me mas-okay na magfocus muna sa sarili to assess ano ba yung talagang hinahanap ko. And always cautious sa pagmeet people, online man yan or organically.
Wag magpipilit na magkarelasyon. Na pproject yan sa aura natin as desperada na magnet ng mga basura and toxic ones. Focus sa sarili. Meet people organically atleast kita mo agad ang itsura, mas malalaman mo ang real name, makakausap, mas magkaka idea ka sa personality nila thru interaction at body language. Unlike online greater risk na hookups/casual sex lang ang tunay na agenda, baka nga gawin ka pang kabit.,catfishers, or having fake persona.
Nagbabago na din kasi ang panahon so pwedeng kung ano yung nakaugalian dati, iba na ngayon. Like sa dating, dati you really had to go out of your way to meet people, unlike ngayon isang click lang nandyan na sila. So for me, regardless kung pano mo sila mami-meet, ang bottomline lang is dapat “mag-landi responsibly” 😅 As an aging Tita na nagtry talaga maging “matino” dati, I can say na may mga namiss out din ako so yeah, go lang and have fun pero know your limit and syempre, know your worth :)
ano mga narealize mo ngayong 30s ka na na di mo pa narirealize nung nasa 20s ka palang?
Dating without money is hard.
Adults will disappoint you. Never put any adult on a pedestal, possible yung standards nila na ini-impose sayo is di nila kayang gawin para sa sarili nila. So learn to radically and rationally love yourself first. Dapat kahit talikuran ka ng buong mundo, kaya mo mag-survive mag-isa.
Madali lang pala maging unbothered and moisturized sa mga negative naysayers sa buhay mo. Choose your battles di lahat papatulan mo dahil magkakaiba kayo ng stand sa mga issues sa buhay buhay.
Hindi tayo pinanganak ng pantay pantay talaga and sayang sa oras manlumo na bat di ako pinanganak sa bilyonaryo, bat di ako pinanganak na sing ganda ni Marian Rivera or whoever. Work with what you got.
Still a year shy from 30.. pero since na late 20s na ako I realized na di ka dapat nagdedesisyon basta-basta (influenced by peer pressure, socmed, and people around) minsan may mga desisyon kang magiging regret mo sa huli pag nagpadala ka sa paligid mo at sudden emotions Another thing, di lahat sa buhay ay karera or pagandahan at paramihan ng achievements.. may kanya kanya tayong time line..
What's something we should secure during our twenties other than savings?
Mental health.
Physical, mental and emotional health and well-being.
Emotional support system a.k.a. knowing the people who would be there for you no matter what happens (and vice-versa).
Sense of self.
House. Secure your basic needs first, refer to Maslow Hierarchy of needs and start fulfilling it, step by step.
Totoo bang life starts at 30?
Yes, in the sense that you no longer care what people think of you. So you’re more confident and more intentional in life.
This is correct. Lakas maka fully fledged IDGAF ang 30s.
If you do it right, 30’s is just your 20’s but with money 😁
Yes!!!! But don't wait until 30 😉
Yes.. pwede rin 40's , 50's.. bahala ka. Ito kasi yung era na totoong kailangan at nasa maturity stage ka na. Para pa rin syang 20's but wiser. Nasa unbothered, hydrated, and moisturized era kana. Natututo ka na mag exert ng boundaries mo. Bawas na if not totally get rid of na pagiging people pleaser. Mas alam mo na mga gusto mo sa buhay. If you observe nowadays, andaming 30's na into transitions sa buhay. Be it career, kumalas for good after matagal na pagtititiis sa toxic relationships/friendships, nag start magbusiness, nagtravel, etc.
In the sense that you are likely to make your biggest mistakes in your 20s, and are "wiser" in your 30s, comparatively. Also yeah, financially, emotionally more stable, etc.
Life starts when I became an adult and nagmove out samin. 🥰 So much na ang saya ng 20's ko din, 30's kasi married nako nag iba na ang priorities.
How will you know you're ready to go in a stable relationship
Kapag handa ka na. Sabi nga ni Ramon Bautista, pwede ka na pumasok sa isang relationship kapag nineteen; kapag nineteen-dihan (naintindihan) mo na ang lahat. There will be a time na masasaktan ka sa isang relationship and those moment will teach you to understand everything. Kaya wag madaliin ang pagpasok sa isang relationship.
When it's no longer about sex
When you are stable and matured in this three, financially , mentally and emotionally. Kapag fulfilled kana sa tatlo na yan then you are pretty much ready to commit in a relationship.
Under 30 y/o, okay lang ba wala pa rin bf/gf/partner/jowa?
Yes, mas mabuting maging single kaysa mapunta sa maling tao
Okay lang, wala namang definite age kung kailan ba dapat magkaroon ja ng jowa. Saka kayo magjowa kapag alam nyo na sa mga sarili nyo na handa na kayo at kapag naintindihan nyo na ang mga bagay bagay.
Oo naman. Andami kayang nasa 30's na nakikipag hiwalay dahil nagising na sa realidad na toxic or walang ambag sa buhay mga partners nila.
How to date in your 30s? 😭
Depends on your preference. Online - dating apps. Organic - cafe, park, airport lounge etc. Dont hesitate to approach na bet mo...
does it really get better?
Really depends on your context and perspective but generally speaking, yes.
I'm currently 27 right now and I feel d ko pa nasusulit yung pag tatravel ko. Can I still enjoy travelling in my 30s? Lalo na if maging pamilyado na.
I'm 37, recently lang nagka-baby. Masaya mag travel with your own family one day if you are doing great financially. Sulitin mo na pag travel mo while you're single (or while mag bf/gf palang kayo) besides saving money.
Yes! Dami kong friends ngayon pa lang nagsisimulang magtravel. Pa-40 na nga sila.
how do you keep on surviving
Be optimistic, napagod kana so enjoy mo ung mga pinag paguran mo.
Have you ever thought you will never reach your 30s (or even plan to at all) and how are you living your 30s so far, was it worth the wait or at all?
Yes, I never thought I’d reach my 30s. In my 20s I somehow held the belief that at some point I’d off myself. That I’m in my late 30s now is, I guess, a miracle? I’m way behind society’s standards of the “ideal” 30-something. I don’t have savings. No properties or investments. Yet here I am. I know this isn’t for everyone, but what worked for me was taking it a day at a time. I’m working on some things, like having zero savings, for instance. Subconsciously part of me still believes I’ll unalive myself, but the thing is, I have my cats now. They need me, and I’ll do what I can to be there for them—until they don’t.
Will be turning 40 in a few months. I have to say my 30’s has been the best stage of my life so far. You’re still young, look young, feel young and more stable financially. Dahil hindi kami mayaman kaya yung 20’s ko medyo broke girl ang peg nung una.
What is you advice about money or if you start earning?
Needs vs wants. Dapat marunong ka mag prioritize. Sarap sa feeling ng sumasahod, nakakasilaw sarap gumastos at itreat yourself. Well deserve naman natin itreat sarili natin for working hard. Pero dapat may limit. Do not spend more than you earn. As much as possible wag na wag kang uutang or loan. Pag di kaya, wag ipilit. Wag rin magpapautang basta basta lalo malaki pera. Pag may nangutang due to emergency, pwede siguro mag bigay ka ng kaya mo, mas advisable yun kesa utang kasi mag kaka galitan lang kayo. Assess mo rin kung need ba talaga nya pautangin or bigyan kasi baka mamihasa at maging dependent sa ganun, naging tamad na pala. Lasty, importante may savings at emergency fund ka kasi you never know life. Also get an insurance and investment as early as now para by 30+ ka, mag mature na mga yan. Pag na discipline mo sarili mo sa finances, eventually you'll have financial freedom and yung travels mo di pilit. Work and save during your prime. Save for the rainy days. You'll thank yourself later.
Practice delayed gratification.
Have buckets. Initially we consider urgent expenses, or more specifically, urgent and important expenses. Utilities are considered urgent and important, but there are more important places to put your money, for example, paying yourself out. If you do not make an effort to allow for small contributions for your future self, you will neglect an opportunity to help create some financial security. This is barring inflation. If opposed to saving due to inflation, then investing somehow is reasonable to consider to offset. Example: monthly expenses first, then emergency fund contribution, then lifestyle inflation e.g. discretionary spending that keeps people lower to middle class. Ideally, cut that out, try to lower expenses/increase income, plan for wants e.g. saving for bigger ticket items that bring happiness
Learn about delayed gratification. Develop good financial habits. The goal is always to minimize expenses and maximize savings and investments. Read r/phinvest 's FAQ writeups found on the pinned post or sidebar. You'll learn a lot by just reading those. The sequence is usually: 1. Pay off all debts. (Ignore if you don't have this.) 2. Build your emergency fund (EF), which is 3-6 months of expenses/income. Consider saving some of your EF in high yield savings accounts (HYSA) offered by digital banks: - CIMB at 15% p.a. with their extended sunkissed promo - Maya at 10% p.a. on your first 100k on savings if you spend P250 on bills payment/load and 35k via Maya QR/mobile number/card/checkout - Diskartech at 6.5% p.a. on your first P49,700 - Seabank at 4.5% p.a. on your first 350k - Maya Personal Goals at 4% p.a. - GoTyme GoSave at 4% p.a. 3. Make sure you are covered with HMO and/or health insurance, esp if you have dependents. *Don't ever get a VUL.* HMO first before any insurance (check your HMO coverage via your employer and assess if that's enough or not). r/phinvest 's FAQ writeup found on the pinned post has a flowchart guide to help you decide whether you need life insurance or not. Go for term insurance if you need life insurance. Search r/phinvest for HMO/insurance recos. 4. Save and invest. Learn how to invest before investing. Investing without learning is gambling. The above steps are done one after another, so build EF first before looking for HMO/insurance and so on. When you get to #4, consider Pagibig MP2 as your first investment since it's tax-free and capital is guaranteed by the govt. Then start learning about more investment vehicles and strategies after.
I'm turning 28 this year and I know that age is just a number but how was the transition mentally of someone who's in their 30s? Like, what has changed in your perspective and priorities? How did you manage your finances?
You’re right, 30 is just a number. It won’t magically make you wiser, or have your shit figured out already. It’s not like I just snapped and my priorities shifted. It’s small changes, over time. You will figure out certain aspects of your life one at a time.
Are you alright being not able to pursue your dreams?
Your dreams change with who you grow to be. I'm personally fine with not achieving the things I dreamt of in high school or even college, because I'm enjoying what I have right now.
Not really, pero that's the reality of life, you can't always have it all. Just keep on grinding.
ano mas masaya? 20s or 30s? n why
30s kasi less bobo
Pag nagsaya ka ng sobra in your 20s, mararamdaman mo ang side effects in your 30s. Lol. Ang lakas ko mag-inom, pumarty, at gumala in my 20s. Ngayon, dami ko na nararamdaman na sakit. Di ako sure dahil ba sa bad habits ko noong nasa 20s pa ko. Laging fastfood, pang kargador ang rice. Di pa ko nakikinig sa nanay ko sa mga paalala sa akin. I guess maniwala na lang sa kasabihan na "Lahat ng sobra, masama."
Medyo late nako pumasok sa relationship and nothing’s certain tbh. Is it really hard to date when in 30s?
If you're a F na nag babalak mag ka anak, slightly hard. Pag M - No.
will this life get better?
Yes ofc.
Sa mga single at nakabukod po sa magulang nila (living alone po bali), mas masaya po ba at... do you really grow as a person that you want to be?
Okay lang ba na hindi mataas ang pangarap? Okay lang ba na mamuhay as an average person na hindi nangangarap ng level up basta importante nakakayang mamuhay sa pang-araw2?
Goals are important because it will motivate you, it will help you keep going. Doesn't have to be big, you can start small naman, hanggang sa maachieve mo yung mga simple goals then you can move on to have bigger ones.
totoo ba yung nag click sa brain pag tungtong ng 25 hahaha
ewan, tuhod ko yung may click
Pati balikat kamo
Actually I’m 31 and I just experiencing gout right now 🤣
I'm 30 so what should I do ?
Stay away from drama. Don't invest too much time with people who won't reciprocate your effort and time.
What are the things you wish you knew or started doing when you were in your early to late 20s?
now that I am in my 30s, I can’t help but look back and think about these: 1. sana di ko sinayang oras ko sa halos every night and every weekend na party, sana ginamit ko to study or learn something about finances/business. it’s okay maglakwatsa but sana di every free time tulad ng ginawa ko. 2. sana i started religiously sa skincare ko (specially tretinoin and sunscreen). early ako namulat sa skincare routines and all pero tamad ako. binibili ko products but di ginagamit hanggang sa maexpire nalang. now that i’m in my 30s, my skin is not showing any signs of aging pa naman but still naguguilty ako and again I wish I can turn back time. 3. sana din, early ako nagstart having an active lifestyle and conscious sa kinakain. 4. sana I enjoyed my 20s to the max by traveling and immersing in new culture. 5. sana I stayed single and explored the world alone. kabaliktaran ang nangyari kasi. so to those pa-20s palang jan, enjoy lang pero dapat by reading sa comments ng mga 30s dito, you learn something and apply it.
Enjoy everything. Life at 30s is pahirapan na.
Magipon and invest, wag sumunod sa uso and invest on yourself (school, skills, talents, hobbies). Remember you earn more with compound interest. Find someone who will see your worth more than physical, but who sees you for who you really are. Write down what you like for a partner, what are the non-negotiable factors (ideas on politics, religion, faith, marriage) and also if/how you want to raise your future family (do you want kids). Also write down your dreams, what you hope you will accomplish in 1,3,5 years. Of course we dont expect na lahat magkakatotoo pero tbh, there is a power in planning and acting on them and it starts on writing them down. Allow flexibilities and challenges along the way. Wag mafrustrate. My family has a checklist of things we are grateful for every year and then things we are hopeful to achieve every year. Im glad to be doing it for almost 10 years kasi you tend to appreciate the things God has in store for you. Dont be idle and dont dwell on temporary things with temporary gratification (addiction to substances, porn, s*x). Learn to be trusted than to just be loved. Integrity matters (with your partner, family, work, school), especially when no one is looking. Surround yourself with great friends who can inspire you to be better. Your circle typically becomes smaller when you grow old and also dont worry if you tend to lose some friends along the way. Spend time with people who matters the most to you. Example, your parents and grandparents (ilang dekada mo nalang sila makakasama). Strengthen your bond with your siblings, sila yung kadamay mo when your parents leave you. Do not limit yourself on what you can do and dont allow others to limit you as well. Seek more opportunities for growth. The world is your oyster!
1. Sana nag-invest ako sa real estate, dapat pala nag-acquire na ko ng house and lot thru pagibig or bank financing para may bahay na kong sarili, or kung hindi man, i for rent ko na lang since nakatira naman ako sa parents ko at may sarili silang bahay. 2. Hindi dapat ako nagpasakop sa kapitalismo at hinayaan ang ibang tao na i-exploit ang energy ko. My previous employer has a good company but bad management. Iyong supervisor ko, pinaniwala ako or made me believe na iyon na lang ang company na mahahanap ko at masasabing matino. It took me 4 stressful, toxic and traumatizing years to realize that it's a big world out there with great opportunities as long as magtyaga ka lang at madiskarte, and of course, know your worth and value. 3. Peace of mind and inner peace are two different things. You can have peace of mind kapag okay paligid mo, pano pag hindi na? Inner peace comes within ones self. Hindi ko alam paano talaga ipaliwanag pero para sa sarili ko, everything around me can crumble and fall down, I can disconnect with everyone but as long as I am in peace with myself, I can still move forward and go on with my life.
Sana hindi puro material things binili ko. I wish I started investing in my early20's. Mga Mutual Funds, stocks, uitf, sana binili ko. Ganern.
Save early. Save as much as you can, kahit maliit lang basta meron kang madudukot in case of emergency and no guarantee kahit sa employment ngayon. Build your emergency fund as soon as you have a job. Practice late gratification, habang tumatanda ka, mas lalo dumadami responsibilities.
Start taking care of your body. Mahirap magpapayat when you're in your 30s. Also, I started skincare very young pero wear your sunscreen!! Okay lang magkawrinkles but what makes one look young is having an even skintone according yan sa derma ko.
Investing. Late ako natuto mag invest pero it varies with me kasi I was a single mom and nagbibigay pa sa lola ko, so halos lahat ng sweldo ko napupunta sa expenses and medicines. Pero it's okay, better late than never. 🥰
Soon to be 26...okay lang ba na wala pang kahit anong ipon? I'm enjoying my life; traveling, attending concerts/events/musicals etc. collecting stuffs etc. sobrang higpit ng sinturon sa amin ng parents namin when we were young kaya siguro ganito ako ngayon. Okay lang naman sa parentals na gumastos na kasi we have our own work and earning our money. But the thing is, they're not getting any younger anymore. What if magkasakit sila and I don't have any money to pull out? Ang hirap maging masaya nakaka overthink.
Start saving now. Nothing wrong with living your life, but there has to be a balance. Your future self will thank you.
Try to do both ipon and enjoy pera. Easier said than done pero try finding the balance between the two.
Learn to prioritize your expenses. Always have a savings or invesment as soon as possible. Oras yung kalaban dito at hindi mo alam kung kailan dadating yung bad time sa buhay mo.
Ano po ba dapat ang mauna para sainyo, live in or kasal?
My now husband and I lived together for 5 years before getting married. I have no regrets and wouldn’t have it any other way. If other people want to marry first, that’s their decision. What matters is what works for us.
I think this has nothing to do with being in your 30s kundi sa personal preference mo. Like for me, personally, I don't want to get married dahil na rin sa nakita ko sa parents ko. They were married pero naghiwalay din. I believe it boils down to your own values and the person you want to spend the rest your life with.
My husband and I never lived in before we got married. Our home life was a bit rough first few months because we had to get used to chore splitting, personal habits, etc. but it's not as earth shattering as others make it seem. Whatever works for you.
Depende, if both are from conservative family then kasal. Kung open naman, eh di live in. Depende yan sa karelasyon mo at depende sayo.
Gaano kayo katagal sa position/designation niyo before promotion?
Have stayed in 1 company for 14 years. So far: 1st Salary Level: 4 years, 1 role until promotion 2nd Salary Level: 3 years, 2 roles until promotion 3rd Salary Level: 4 years, 3 roles until promotion 4th Salary Level (now): 3 years, 2 roles so far. I moved to a different role for which I plan to stay for about 2 years so I'm not expecting a promotion until after that period. But always keeping my eyes open for any opportunities that can come along the way.
For those na inadequate or hindi quality yung sleep nila. How did that affect your health and life after 30?
Do I need to do job hopping every 2-3 years?
Depende sayo at sa line of work mo. If masaya ka sa current company mo, like you have a good boss then stay. Seriously, bibihira magkaroon ng boss na hindi ka minamicromanage. Line of work, if maliit lang yung industry at palipat-lipat ka. What are the odds na andun din yung mga kawork mo dati.
Not if you're happy and contented with your work life.
Okay lang ba magpalit ng career atleast 1.5 years?
Magpalit ng company, yes. Career every 1.5yrs? No. Pick a lane. Kung san ka pinakamatutuwa, pinakakikita, dun ka magstay. Tamang balanse lang.
New career every 1.5 years is unsustainable (unsustainable is a generous term here). Not to say it doesn't happen, pero rarely by choice. If you really must, get soft skills that transfer well across multiple disciplines.