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Day 1 or One Day — Ikaw ang pipili.

Alam mo yung pakiramdam na “next time na lang”?
Next sahod… next buwan… next taon…
Pero paano kung may mangyari ngayon?
Maraming Pilipino ang masipag mag-ipon, pero kulang sa protection. Isang emergency lang, pwedeng maubos lahat ng pinaghirapan. 💔

Kaya nandiyan ang Kaiser 3-in-1 — hindi lang ito ipon.
✔️ May healthcare ka
✔️ May life insurance ka
✔️ May long-term savings/investment ka

Hindi mo kailangang piliin kung alin ang uunahin—lahat kasama na.

Hindi ito para sa “mayaman lang.”

Para ito sa taong gusto ng peace of mind, sa pamilya, at sa future.

So tanong:
Maghihintay pa ba ng “one day”?
O gagawin na siyang Day 1?

👉 Kasi ang future natin, hindi dapat hinuhulaan—pinaghahandaan.

Many people earn P50k and stay broke.
Others earn P15k and build peace.
It’s not just what you earn.
It’s what you do with it.

It’s not always about earning more.
Sometimes, it’s about being wiser—with what you already have.

Because let’s be honest—
Many couples earn a lot and still stay broke.
While others earn just enough,
but somehow build peace, plans, and progress.

It’s not the amount.
It’s the alignment.

Two people, working together,
not just to make money—but to make it mean something.

Some relationships chase income.
But the stronger ones chase discipline.

They talk before they swipe.
They plan before they splurge.
They say no to some wants,
so they can say yes to bigger goals.

Because real love isn’t just about sharing moments—
it’s about sharing mindsets.

And you’ll see it in the small things:
packed lunches,
budget nights,
cancelled add to carts,
and long conversations that begin with,
“Where do we want to be five years from now?”

It’s not about who earns more.
It’s about how you honor the income you both have.

You don’t have to be rich to build something strong.
You just need to be united—
in values, vision, and discipline.

Because when you both treat every peso with purpose,
even a little can go a long way.

And when you’re wise with the small,
you’ll be ready for the big.

©️

Mahirap tumandang mag isa.
May sakit at walang naipong pera.
Hindi masamang maging mabait at mapagbigay sa kaibigan o kamag anak.
Sa ating pagbibigay dun tayo mas pinagpapala.

Pero yung wala kang iniwan para sa sarili mo.
Yun ang mali.
Maliit o pakunti-kunti man ay matuto tayo magsinop para sa ating sarili at pinagpaguran ngayon.

Responsibilidad mo higit sa kaninuman ang pangalagaan ang future mo.
Hindi ka habang buhay na malakas.
Hindi ka habang buhay makakapagtrabaho.

Pagdating ng panahon ikaw ay tatanda.
Ang galing at husay mo ay lilipas.
Ang mga naitulong mo ay makakalimutan.
Ikaw na dating kinakapitan ay mangailangan din ng pagkakagastusan.

Maging mahusay sa paghawak ng kinita habang ikaw ay malakas pa, dahil ang realidad.

Hindi natin pwedeng asahan ang ibang tao at lalong hindi natin hawak ang bukas!

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Imagine this. 💭💭

You are 35 now and currently employed.
You want to retire at 60.
❌No savings.
❌No investments.
❌No life insurance.
❌No Healthcare fund

🤔 How will you survive for 20 years of your life until age 80?

You are always telling us YOLO (You Only Live Once) as an excuse not to start saving.

But you forgot there is also a concept of YAGO (YOU ALSO GROW OLD).

🤔 How will you spend your RETIREMENT?
☺️ Will it be a grand HOLIDAY?
😨 Or your worst NIGHTMARE?

Reminder:

Huwag sayangin ang extra funds or bonus para sa luho at paparty lang..tandaan di na tayo bumabata need natin magsave para sa pag tanda..

Learn, Plan & Execute.. 📝
Be prepared! Retirement is coming..👴🏼👵🏼




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AVOIDING UNNECESSARY PRESSURE

1. Put your kids in
schools you can afford
because expensive
schools don't
guarantee good
results. Just ensure
they attend a good
affordable school

2. Rent apartments you
can pay for
conveniently. Don’t live
in a house you struggle
to pay yearly.

3. Let’s plan our lives and
live within our means.
Save more and spend
less.

4. Some women buy food
for their children every
morning before going
to school or even for
the whole family, do
you know it’s cheaper
to cook at home?

5. Some people don’t
earn much, but have
DSTV at home, go for
GOTV and upgrade
when your income
upgrades. It’s still the
same CNN anyway!

6. Eat healthy meals and
protect your family
from mosquitoes to
avoid going to the
hospital always.

7. Take advantage of
food and fruits in
season, its cheaper
and you can be
creative to create
amazing meals.

8.Don’t copy your
neighbor’s lifestyle,
she earns well and her
husband is a ‘big
man’

9. Don’t follow trends,
wear clean well-
ironed clothes and
keep your hair neat.
You would still look
good.

10. Keep your circle
small, keep only
friends that have
senses!

11. Above all things, have
the fear of God, have
integrity, don’t be lazy
and be prayerful.

12. Planning is the key, if
you fail to plan, you
PS:Ifplan to FAIL.

13. Don't do more than
your budget this
Time, there is no
award given to best
family that wore an
expensive cloth for
the year

14.Don't be in
competition with
anyone...
The purpose of shoes
and clothes are to
make us smart and
good.

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Even if you earned big income today, if you're not financially educated enough, that hard earned money will be running out especially when you're always fun on spending much.

It's not on how much you earned, but it's on how much you keep and save in the right way.






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👉440676ph.imgcorp.com

Ang bilis gastusin ng pera,
Ang bilis ng panahon,
Ang bilis maubos ng pera at di napapriority ng tama,ang paggastos.

Hindi permanente ang magandang income at malusog na katawan.
Nawa marealize mo kaibigan na paghandaan ang mga bagay na di natin kontrolado.

Dadating ang panahon na kasabay ng paghina ng income natin ang paghina ng katawan natin.

Malungkot man isipin, lahat tayo ay tatanda at magkakasakit. Pero mas malungkot kung hindi natin paghandaan.

Eto si Kaiser ang magiging kakampi natin sa panahong yon. Hindi man natin makita ang kahalagahan ng Kaiser ngayon. Pero sa oras na tayo ay matanda na at may sakit, magpapasalamat ka sa sarili mo at kumuha ka ng Kaiser.

PM mo ko at ipapaliwanag ko ang kagandahan ng Kaiser, bakit kami mayroon nito ngayong kalakasan pa. 📩 m.me/liza.j.aspacio

or see this link para sa ibang impormasyon
👉bit.ly/UltimateKaiser3in1SavingPlan

*IMG is the only broker company of Kaiser International Health Group, Inc. *

IMG Full Benefits here, enroll now!!
👉 440676ph.imgcorp.com

4 Reasons Why Planning for Retirement is Important

1. SSS is not enough –You will need to downgrade your lifestyle if you will depend on SSS alone.

2.Inflation-Your ₱1 now will have a lesser value in the future.

3. Our kids are not our retirement fund. Part of pagtanaw ng utang na loob culture. But we need to break this dependency culture because we don’t want to be a burden to our kids in the future.

4. We live longer –Imagine retiring at the age of 60 years old with NO INCOME, then living until the age of 80, that’s 20 years worth of expenses? 60 years old is too far to imagine, right? How about taking a vacation for a month with no salary?

Think and Make Actions Now for a brighter future.
©️

Bakit mo ba need ng healthcare?

1. Kapag may sakit ka, Hindi mo kayang magtrabaho.

2. Kapag may sakit ka at Wala kang healthcare ang ipon mo o investment mo ang ipambabayad mo Sa Ospital.

3. Kapag na-Ospital ka unang I tatanong sayo Kung may healthcare ka o Perang pandeposito.

4. Maraming namamatay Hindi dahil walang gamot para Sa sakit Nila kundi dahil walang pera.

Bakit magandang mag-invest Sa Kaiser Long-term HEALTHCARE.

1. Kung employed ka ngayon at may company HMO ka Hindi mo yan madadala pag nag resign or mag retire ka.

2. Kadalasan magkakasakit ka kapag retire ka na.

3. Sobrang mahal na ng mga healthcare kapag matanda ka na.

Kaiser Reminder ‼️🙋‍♀️




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EXPLAIN NATIN MAIGI PARA MALIWANAG. 🙂

Pitong taon ka lang mag-iipon.
Parang binabayaran mo lang ang sarili mo.
At habang nagbabayad ka, may HMO ka for 7 Years.

May Term
Insurance sa loob ng 20 years at retirement money kapag nagmature na ang policy mo.

Ang ganda di ba? KAISER is like no other. HMO po ito ha, hindi Insurance. Magkaiba kase ‘yon!

Scenario 1: Nagkasakit ka at naospital. Hindi mo pwede sabihin sa Ospital o Doctor na meron po ako “Life Insurance" kase po hindi iyon tatanggapin sa Ospital. Pag na-ospital ka, maglalabas ka pa rin ng pera.

Scenario 2: Nagkasakit ka at Naospital (Not Pre-existing), then may KAISER HMO ka. Pwede mo sabihin sa Ospital o Doctor na, meron po akong KAISER. Tatanggapin yon at itatanong lang sa’yo ano po ang policy number niyo?

That is the difference. Hindi ka mangangamba kase may HMO o Healthcard ka.

Healthcard na may Term Insurance at Investment.👌

RETIREMENT PLANNING isn't mainly about buying financial products, it's primarily understanding the financial concepts and following a financial strategy that works for you.

While jobs (salary) are temporary, our needs are permanent.

You can retire at your 30's, 40's, 50's, 60's, 70's - once you have the financial means to do so.

Coz nobody wants to be a financial burden to their loved ones, friends, family and community.

Nobody plans to struggle especially during the retirement years - but unfortunately, we see many people struggle financially during their retirement years.

No one plans to fail, but people simply fail to plan.

But worry no more.

So cheer up, gear up!

We can now start our journey to a happy and fulfilling retirement today thru the info discussed within this one of a kind money guide book.

FREE eBook on retirement planning