Gusto mo bang magretire nang maaga? Marami ang nangangarap nito pero sadly, kaunti ang nakakagawa. Pero huwag matakot, mga KaSosyo at KaNegosyo, possible maging financially independent, retiring early (FIRE)! Here’s a roadmap to your future financial freedom in this quick guide.

1. Magsimulang mag-ipon at mag-invest kahit magkano, now na!

E ano kung bente-bente lang ang kaya mo ngayon? Mas ok yan kaysa wala. The magic is in the habit, not the amount. Para ka lang nagtatanim ngayon, sagana ang aanihin pag dating ng panahon. Every peso saved is a step closer to a worry-free retirement.

2. Save and invest as much as you can

Kung hirap kang tantiyahin ito, sundin ang aking 5-15-20-60 budgeting rule. Ganito yun: as a percentage of your monthly income, allocate maximum 5% for insurance, minimum 15% for savings, minimum 20% for investments and maximum 60% for your expenses.

Kailangan ang insurance sa mga panahon na susubukin ka ng tadhana. Investments ang iyong money-making machine, working tirelessly to multiply your wealth. At gumasta ayon sa kita, dapat match ang lifestyle sa pagpasok ng pera.

3. Build a strong retirement fund foundation

Tulad ng paggawa ng bahay, dapat pundasyon ay matibay! Itodo ang SSS o GSIS at Pag-IBIG bilang konkretong pundasyon ng iyong retirement fund. Pagkatapos, diversify your portfolio – magdagdag ng rental properties, cooperative and rural bank time deposits, cooperative share capital, land banking at personal equity retirement account.

4. Avoid the stock market, cryptos, and VUL

These “investment avenues” can be as unpredictable as the weather during typhoon season. Sure, they might promise high returns, but believe me, they rarely deliver. Para yang ex mo na ang pangako napako. It’s best to avoid these roller coaster rides and choose consistent and more reliable investment options. Remember, retirement is a marathon, not a sprint. Dahil ang pinakamabilis na pagyaman ay kung magdadahan-dahan.

5. Choose meaningful and productive retirement

Ang petiks-petiks na buhay, matamlay, kahit pa gabundok ang pera mo. Retirement is about enjoying life to the fullest and making a difference. It’s about having the funds to live the lifestyle that you want and at the same time contribute to a better world – the soonest possible time.

YOLO + YAGO = BOLO

Remember, KaSosyo and KaNegosyo, the goal isn’t just to amass wealth for some future date. Ang target natin: happiness – finding joy and fulfillment in every step of the journey.

It’s about achieving a balance – pagsamahin ang YOLO o You Only Live Once philosophy, at ang katotohanang You Also Grow Old o YAGO, para magkaroon ng unique blend na ang tawag ay BOLO – Balancing of Luxuries and Obligations. O di ba?

So, roll up your sleeves and start building your financial fortress. Because the best time to start is now.

Tandaan, ang pagyaman, napag-aaralan at napagtutulungan!

Gusto mo bang mapag-aralan pa ang tungkol sa retirement? Sumali sa Retirement and Estate Planning Webinar sa December 8 and 15, 2023. 

Details at http://vincerapisura.com/webinars. Mag-register na sa https://bit.ly/rpwebinar-register