Book your clarity call today: https://bit.ly/3Gjhm8S

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If you're earning ₱250K to ₱800K/month abroad but still feel stuck, this video is for you.You have savings, insurance, even investments—but deep down, you’re unsure where it’s all leading. You’re not alone. I call this The Clarity Gap—the space between earning well and knowing exactly what you’re building.CHAPTERS:Reason #1: 00:47Reason #2: 02:02Reason #3: 04:07Reason #4: 05:42Reason #5: 07:07

Book your free clarity call today: https://bit.ly/4jjeA1W

We’re about to lose ₱307,000… and we still don’t know if we should walk away.This isn’t a theory video. This is real.My wife and I bought a pre-selling Ayala condo in South Park District, thinking it would pay for itself over time.But now that turnover is approaching — and the numbers are in — we’re not so sure anymore.In this episode, I’ll take you inside:- The exact cash flow projections we ran (worst, average, best case)- How much we’d lose if we walked away today- What most condo investors don’t realize until it’s too late- And the psychology that keeps people stuck in bad investmentsIf you’re deciding whether to continue or cut losses, this might be the clarity you’ve been waiting for.

📢 Pro Angat Talks Free Registration: https://bit.ly/4iXa3BE

REGISTER NOW!

In celebration of International Women’s Month, PRO-ANGAT proudly presents its first event!

Join us for an inspiring panel discussion featuring successful Filipino career women who have mastered the art of thriving in competitive careers while embracing motherhood—all while living abroad. 💪

👩‍👧‍👦Wo-Moms Day: Balancing Ambition, Parenting, and Self

Hosted by Mariben Tan Eustaquio, alongside three impactful Filipinas excelling in different careers in Dubai: Mary Joy Laquihon, Dr. Mary Jane Alvero - Al Mahdi, & Louie da Costa

📅 March 23, 2025

⏰ 2:00 PM - 4:30 PM

📍 Lifestyle Area, Sari-Sari Store, Albwardy Investment BuildingGet ready for real stories, powerful insights, and practical strategies from women who have redefined success, resilience, and balance.

This is a FREE event! Secure your spot now!

🎁 Exciting raffle prizes & special gifts await! Limited to 50 participants—first come, first served!Stay tuned for more details! 💙

========================SKIP TO THE BEST PARTS:

• Raising Kids VS Growing A Business 03:05
• Getting 3 Majors and Being a US Stock Broker 04:18
• Coming to Dubai 15 Years Ago 08:42
• Why You Must Make Time for Your Kids 10:36
• On Starting EZone 13:01
• The Hardest Part When Starting A Business 19:16
• The Mindset Mariben Had From Being An Admin to Becoming A Director 21:17
• How She Raised Her Kids While Growing Ezone 25:10
• Being Betrayed By Her Trusted Employees and How She Bounced Back 31:48
• Why She Prioritizes Education for Her Kids 43:31
• Her One Biggest Lesson in Business 46:40
• What Legacy She Wants to Leave Behind 50:58

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Success isn’t just about talent.

It’s about resilience, tough choices, and staying true to your purpose.

Even when everything seems stacked against you.

In this episode, I sit down with my friend Mariben Eustaquio, founder of EZONE Business Setup Dubai, a mother of three, and a Board Director for the Philippine Business Council Dubai and Northern Emirates.

Her journey?

Nothing short of extraordinary.

From starting as an admin to leading a thriving company, Mariben built her success one decision at a time. But it wasn’t all smooth sailing.

She opens up about:

→ The defining moment that pushed her to start EZONE

→ Facing betrayal from her own employees—and how she rebuilt

→ Juggling motherhood and entrepreneurship without losing sight of her vision

→ Hard-earned lessons every business owner and working parent should hear

Mariben’s story isn’t just about business..

It’s about faith, resilience, and proving that women don’t have to choose between ambition and family.

This episode is powered by ProFriends as part of the Pro Angat Series, a platform that uplifts and empowers Filipinos to reach new heights in career, business, and life.

Listen in for a conversation packed with real talk, tough lessons, and the mindset shifts that drive lasting success!

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Follow Mariben on instagram: https://www.instagram.com/maribeninthecity/

📅 Schedule Your Free Clarity Call: https://bit.ly/claritycallwithjay

⬇️ Download MYNE today: joinmyne.com

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If I were to start investing again in 2025, I’d keep it simple—no individual stocks, no hype, and definitely no get-rich-quick schemes.

I’ve made all the mistakes before—getting scammed, losing money in bad investments, and even falling for FOMO plays like Axie Infinity. But after years of trial and error, I’ve figured out a strategy that actually works.

In this video, I’ll share:

✅ How to Build a Solid Foundation Before Investing – So you can invest with confidence

✅ My Simple Investment Strategy Using a Globally Diverse Ireland-Domiciled ETF – For long-term wealth building

✅ The Biggest Investing Mistakes to Avoid – So you don’t reset your progress like I did

This is the investing strategy I wish I had followed earlier—no stress, no complications, just results.

CHAPTERS:

PART 1: Building A Solid Foundation: 02:21

• How to Calculate for the Future Value of Money: 02:44
• Risk Tolerance & Risk Capacity: 04:39
• Automate Tracking of Finances Using MYNE: 06:12
• Why You Need to Pay Off Your Credit Card First: 08:43
• Protect Yourself From Risks: 10:12

PART 2: Simplify Your Investment Strategy: 11:23

• Intro to Globally Diverse Ireland-Domiciled ETF: 11:53
• Tax Benefits of Investing in Ireland: 14:14
• Intro to ETFs: 16:09
• Intro to Vanguard LifeStrategy Fund: 17:27
• Why Reinvesting of Dividends is So Powerful: 17:56
• Stocks and Bonds 96-Year Performance: 19:03
• Why Not Invest in USA Only? 22:18
• The Impact of Fees to Your Investment: 23:00
• The Risks of Investing in Pag-Ibig MP2: 26:17
• The Risks of Investing in Global ETF's: 29:04

PART 3: Avoid Common Mistakes

• The Dangers of Timing the Market: 31:43
• Investing in Actively Managed Funds: 34:46
• Co-Mingling of Funds: 36:33
• Mismatch of Goals, Timeframe and Asset Class: 37:16
• Index Funds VS Active Funds: 39:25

Recap: 41:17

Download TapTap Send today:

🤖Google Play Store: https://bit.ly/3KCAmyq

🍎Apple App Store: https://apple.co/3qsTQii

Bonus of promo code KUYAJAY for 1st senders to PH:

UAE - AED 25US and Canada - $20UK - GBP 10EU - EUR 10

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Are you thinking about buying a condo in the Philippines? Before you make that big investment, watch this masterclass to avoid costly mistakes that could lose you hundreds of thousands!

In this video, I’ll walk you through:

✅ How to Gain Clarity on Your Condo Investment Goals✅ Planning Carefully Using the Hierarchy of Financial Needs✅ Doing Your Own Research to Protect Your Hard-Earned Money

CHAPTERS:

Gain Clarity - 05:28

Careful Planning (Hierarchy of Financial Needs) - 09:59

A sample Spending Plan - 14:57

Do Your Own Research (DYOR) - 16:19

→ AI Tools - 16:30

→ BSP’s RREPI and How to Compute for CAGR - 20:24

→ How to Check for Zonal Value - 22:40

→ Global Property Guide - 24:28

→ Location - 25:48

→ Property Developer - 27:17

→ Future Expenses - 31:28

→ Mortgage Calculator - 32:52

→ Reminder for Commission-Based Professionals - 34:20

→ Sample Future Spending Plan - 37: 30

→ How to Check for Inflation, Interest Rates and Exchange Rates - 39:23

Things to Avoid - 41:33

Experience of People I’ve Worked With - 45:53

The 2 Types of Investors - 47:40

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LINKS

📅 Schedule Your Free Clarity Call: https://bit.ly/claritycallwithjay

📚Download My Free Resources: https://jayadriantolentino.com/resources

The Philippine real estate market is shifting, and condo owners and investors are facing a big decision—should you buy, sell, or hold your condo in 2025?

With an oversupply of condo units in Metro Manila (and other areas), declining rental prices, and increasing maintenance costs, knowing the right move can save or make you money.

In this episode, we run the actual numbers with Coach Efren Cruz, a financial planner with over 40 years of experience, to help you make a data-driven decision.

Whether you're a first-time condo buyer, a real estate investor, or a current unit owner, we break down:

✅ Buying a condo in 2025 – Is this the right time to invest, or should you wait?

✅ Holding your condo – Will your unit appreciate, or are you losing money?

✅ Selling your condo – Should you exit now before the market declines further?

Connect with Coach Efren: https://www.facebook.com/ask.a.friend.ask.Efren/

Watch on Youtube: https://youtu.be/RlI0jxy262g

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📅 Schedule Your Free Clarity Call: https://bit.ly/claritycallwithjay 📚Download My Free Resources: https://jayadriantolentino.com/resources

Metro Manila’s condominium market is facing an unprecedented challenge: an oversupply of units has left buyers, investors, and developers grappling with uncertainty. In this video, we’ll uncover the factors behind this crisis and explore what it means for property owners, potential buyers, and the overall real estate market.

Joining us is Dr. Ben Lebig Jr, a financial planning expert, entrepreneur, and author of TRENDING UP: Expat’s Guide in Building a Strong Foundation on Investments. As the founding chairman of the Association of Registered Financial Planners UAE Chapter, Dr. Lebig has guided countless individuals, especially expatriates, in making informed financial decisions and achieving wealth-building goals.

With his expertise and actionable insights, Dr. Lebig will help us understand:

- Why this oversupply happened [03:45]

- Mis-selling of a lot of agents to OFW's [09:12]

- The Dangers of Condo Flipping [13:10] - Is the market crashing? [13:54]

- How to navigate this situation [16:42]

- Great locations for short-term leasing [22:01]

- Importance of having an Emergency Fund [26:07]

- Are there opportunities now that are similar to what happened during pandemic [27:42]

- Dangers of Pasalo Units [29:37]

- Should you go for the condos now or those that are pre-selling [32:41]

- Ben's CONDOMINIUM Checklist [35:50]- Closing message [45:35]

Connect with Ben:

LinkedIn:

Instagram:

Buy his book Trending Up: Expat’s Guide In Building Strong Foundation On Investments:

LINKS

📅 Schedule Your Free Clarity Call: https://bit.ly/claritycallwithjay

📚Download My Free Resources: https://jayadriantolentino.com/resources

📚Watch on YouTube: https://youtu.be/RFDhF5-kavI

In this video, I react to a heartfelt compilation of retirees sharing their biggest financial and life regrets. From the importance of saving early to the lessons learned from health and career decisions, these reflections offer valuable insights for anyone planning for their future. Discover the common mistakes retirees wish they could undo, like cashing out retirement accounts prematurely, neglecting health, or underestimating the challenges of retirement life.

If you’ve ever wondered how to secure a regret-free retirement, this video is a must-watch. Let’s learn from their experiences so we don’t make the same mistakes. Whether you’re just starting your career or nearing retirement, the wisdom in these stories can guide you toward a better financial future.

Video credit to Business Insider watch it here: https://www.youtube.com/watch?v=hbMRv19SkXY&ab_channel=BusinessInsider

LINKS

📅 Schedule Your Free Clarity Call: https://bit.ly/claritycallwithjay

📚Download My Free Resources: https://jayadriantolentino.com/resources

🍿Watch on Youtube: https://youtu.be/Ppn2MXi2nNU

—

WHO AM I?

Jay Adrian Tolentino AKA “Kuya Jay” is a Financial Educator and Financial Coach based in Dubai, UAE.

He helps UAE expats save, budget, invest and live life in their own terms thru Financial Education and Coaching.

He gained his expertise after experiencing financial pitfalls such as getting scammed, buying unnecessary and expensive financial products, losing money due to improper investment strategies, and accumulating debt in his first year as an expat.

His passion for Financial Literacy has made him a trusted person on money matters. He has delivered talks to various organizations, companies, and universities.

In 2020, Jay was invited to speak at the Philippine Congress about a national issue that would impact the financial situations of Filipinos living abroad.

Today, he hosts the Pera & Purpose Podcast, which teaches people on how to use money as a tool to live a meaningful life.