Financial planner, coach pays it forward

The Manila Times

Financial planner, coach pays it forward  Aries L. Baloran is a registered financial planner, a Transformare coach and junior financial coach for Empower and Transform. He is also a yaman coach for the Personal Financial Advisers Corporation. He has been invited to guest on TV shows to talk on various topics such as paying debts during the pandemic and ways to handle remittances for OFW families. He is a content creator for Finance on the Go and goes live on his Facebook page where he has garnered a following, talking about financial literacy. Aries started out as an IT instructor before moving to Italy with his wife where he worked many jobs to provide for his family. He noticed that even with his multiple sources of income, they could barely make ends meet. Once he had his second child, he decided it was time for a lifestyle change and worked hard to not only have enough savings but to study on how to invest to be able to grow his money.  Now, he is one of Empower and Transform's valued junior financial coaches, handling many clients including the teachers from the IPON Ambassadors Program, a collaboration with the Department of Education (Deped) to help teachers all over the country in settling their debt as well as providing them with financial coaching.   Subscribe to The Manila Times Channel - https://tmt.ph/YTSubscribe   Visit our website at https://www.manilatimes.net   Subscribe to Business Franchise Guru: https://www.youtube.com/@BusinessFranchiseGuru   Follow us:  Facebook - https://tmt.ph/facebook  Instagram - https://tmt.ph/instagram  Twitter - https://tmt.ph/twitter  DailyMotion - https://tmt.ph/dailymotion    Subscribe to our Digital Edition - https://tmt.ph/digital  Sign up to our newsletters: https://tmt.ph/newsletters  Check out our Podcasts:  Spotify - https://tmt.ph/spotify  Apple Podcasts - https://tmt.ph/applepodcasts  Amazon Music - https://tmt.ph/amazonmusic  Deezer: https://tmt.ph/deezer  Stitcher: https://tmt.ph/stitcher Tune In: https://tmt.ph/tunein   #themanilatimes  #philippines #entrepreneur

Transcript

00:00Good morning, good afternoon, bonjour, sabi nga nila.

00:30At meron tayong isang kaibigan dito na hanap natin, alam mo, after the holidays, mahirap ang kilapin ang mga kaibigan natin.

00:39But again, I'm so glad this friend of ours, all the way from Palermo, Sicily, yan ay makikipahagi sa atin.

00:50Ano ang buhay niya? Ano siya nagsimula? Ano naging kanyang mga karanasan at ano yung mga challenges niya?

00:57So, without further ado, let's introduce Mr. Aris Baloran. Aris, good afternoon, Jan. Anong oras nga ba dyan sa inyo?

01:07Buongiorno, buongiorno. Good morning, everyone. It's 9 a.m.

01:12So, 9 a.m. Okay. At dito naman ay 4 o'clock p.m.

01:17So, Aris, kwento mo nga sa amin, taga saan ka ba dito sa atin, sa Manila?

01:25No, hindi pa ako taga Manila. Laking provinsya po ako, sir. From, shout out, Delfin Albano, Isabela.

01:32Oh, Delfin Albano, Isabela. Isabela, correct?

01:36Yeah.

01:37Alright. And ano ba ang sinimulan mo? Kwento mo nga sa atin kasi marami tayong mga kaibigan, kababayan, mga tao dyan sa Italy, na marami Pilipino rin dyan, di ba?

01:51Yeah. Population here, maybe around 5,000 Pilipino dito sa Palermo lang mismo.

01:57And then, dito sa buong Italy, marami kami sa atin ko alam kung ilan yung headcounts, pero marami ang mga Pilipino dito.

02:05Nagsimulan tayo as a simple, paano ko ba i-define?

02:12As a college professor, when I was young pa, dream ko nang maging isang speaker because my mom is a teacher, high school teacher.

02:23So, I really dream na maging katulad niya. So, yun, doon tayo nagsimulan, sir. I was a college professor for six years teaching information technology.

02:34Wow, information technology. Anong year yun, Aris?

02:40Matanda.

02:40I started working at the age of 19. Bata ako na, I think, 2006 or 2007 when I started working.

02:58Okay. And nagtuturo ka sa iyong probinsya?

03:01Yeah, I was recruited by my, kasi doon sa school na pinag-graduatan ko, merong akong naging mentor doon.

03:12Yung professor namin, naging mentor ko. And then, sabi niya sa akin, I want you to work with me kasi naging team siya sa isa sa mga college school doon sa Ilocos.

03:21So, mula sa regional 2, pumunta ako ng region 1 to work for that school. So, I started working at the age of 19. At the age of 19, agad-agad ibinigay sa akin yung position na head of the IT department. Would you imagine that, sir?

03:39So, in that age, nagsimula na tayong mag-take ng masters, which eventually lead me to become, sana, the next discipline chair of the department prior to my departure, pumunta dito sa Italy.

03:58I love my work in the Philippines.

04:00Malang lang ang digital making yan, Aris, ang ginawa mo. Your career or your migration.

04:10Yeah, because the story, sir, is that nung nakilala kong ating misis, hindi ko alam na pupunta siya dito sa Italy.

04:18So, if I'm not mistaken, January of 2008, yeah, 2008 naging kami, hindi ko alam na pupunta siya dito and it took only seven months kayong nagkasama.

04:37By August of 2008, pumunta na dito sa Italy. So, sabi ko sa kanya, okay, iintayin kita. And then, I waited for her for four years. Four years ko sa ginantay.

04:51So, nung bumalik siya at ikinasal kami, two months lang kami nagkasama. Then, bumalik na naman dito sa Italy. So, sabi ko sa kanya, may challenge to her because that time, siyempre, masakit sa akin na magkalay ko and I want to have family, to create a family.

05:11Ang challenge ko sa kanya, if you are, if you would be able na makuha mo ko sa Italy within one year, I will give up everything.

05:22Wow, nagkaroon ka ng time, nagkaroon ka ng deadline para sa kanya, one year.

05:27Yeah. So, we prayed for it. So, sabi ko sa kanya, kung hindi mangyari yan, hey, you need to return sa Pilipinas at dito tayo magsama because I have a good job, stable job.

05:40So, pwede, mapapakain ka na, including our future children.

05:45But, siguro, mas malakas yung prayer niya. Within six months, lumabas na yung aking visa.

05:52So, wala na.

05:53So, finally, you gave up that almost becoming part of the chair as a professor, di ba?

06:01So, anyway, okay, why, kamusta naman ang buhay sa Italy in your first few months, Aris? Anong naging experience mo?

06:13Hindi madali. Kahit sinasabi na sa akin ng aking asawa na, okay, you need to give up talaga everything kasi dito, yung karir mo dyan sa Pilipinas, hindi mo siya maya-apply.

06:24So, mentally, I was ready. But, physically, when I arrived, kasi two weeks pa lang, kadating ko din ng September of 2012, not mistaken, yeah, 2012, two weeks pa lang sa may trabaho na ako.

06:41I worked as a household sa isang prominent na tao dito. And, ito yung nangyari eh. I have this experience sa talaga nga, until this time, when I remember it, it really, alam, may kurot pa rin eh.

06:58And, that motivates me. During the time, my first day, my wife's so excited, she gave me a packed lunch of adobo.

07:07Yun ang aking lunch, adobo. That's why I call this one as my adobo story. So, trabaho, trabaho, trabaho, bago yung bahay, and then, when I'm about to eat my lunch, I have no place to eat.

07:22Kasi nga, alam nga na, tatayan ako dun sa mismo hapagkainan ng ating amo, hindi naman pwede.

07:28So, I look for a place, and the only place that I have is the own restroom, yung bathroom na nilinisan ko.

07:37So, while I am eating, syempre, mabilis dapat, kasi baka dumating yung abo, baka makita ko, kasi tinatakas ko lang, kasi butom na ako nun, sir.

07:47And, then, while I was eating, I was crying. Hindi ko na napipigilan na I was crying.

07:53I was really crying, and that's my story that I always share to everyone.

07:57And, while I am eating, I'm telling to myself, someday, we are going to be somebody.

08:03Someday, hindi ko na mararanasan ang mabagi ba. Someday, I will not be crying like this because of hardship.

08:11Someday, I will be somebody. Yan yung sinasabi ko palagi.

08:14That was 10 years ago, exactly.

08:17I left going to 12 na.

08:20Pero, Aris, pero, Aris, ang nagyari sa'yo. Parang, it's a very humbling. Imagine a professor, and then all of a sudden, kumakain sa bathroom.

08:32Yeah. Would you imagine?

08:36House help, ha? House help. I'm sure, as a professor, hindi ka na maglilinis ang classroom mo, eh, di ba?

08:42Of course.

08:43So, it was really a humbling effect, no? Na within two weeks, nagkatrabaho ka. That's good.

08:49But, nagkaroon ka talaga ng yung luha mo lumabas talaga dahil sa humbling effect, di ba?

08:55Ganun ba yun?

08:56Yeah. Yeah, it really humbled me. Na, I am now in a different place. So, sabi ko sa sarili ko, I need now to, to find out.

09:06Hindi na yung dati. Okay? So, I need now to adapt kung ano yung klase ng trabaho dito.

09:13And, honestly speaking, hindi ako tumagal kasi hindi ako marunong magtrabaho.

09:18And, heartbreaks after heartbreaks because I was fired maybe more than five times.

09:23He was the only, yung isa lang na sinasabing comment sa akin is,

09:28hindi siya marunong magtrabaho.

09:32Ano-ano mga trabaho, mga dinanas mo?

09:37Alam mo, sir, I tried isang trabaho dito na I need to take care, eleven dogs.

09:44You have to take care, you have to walk the eleven dogs.

09:48Eleven dogs.

09:49Tapos ang lalaking pa nila.

09:51Anong klase yung mga aso naman yun?

09:53Yung tatlo is yung Dalmatian, yung isa is yung German Shepherd,

10:05and the rest are yung mga Shih Tzu.

10:08Ganun, sir, yung aking naging trabaho.

10:10Eleven dogs.

10:12Eleven dogs.

10:13Anong ginagawa yun?

10:13Anong pinapaliguan mo, binibigyan mo ng vitamin, tapos we walk mo sila.

10:19Yeah, meron silang schedule, sir.

10:23Meron silang schedule to walk.

10:25So, the challenging part is, yung bahay niyung aking amo, during the time, is at the top of the mountain.

10:33So, I need to take the bus.

10:36Yung bus hindi aakyat ng mountain.

10:39Yung aking amo, hindi naman niya kukukunin sa baba.

10:41So, I need to walk to that mountain, maybe around 2 kilometers pataas.

10:48Wow.

10:49And then, I need to go down doon every matawas yung trabaho.

10:54And then, every day ganun yan.

10:56But, ako, sir, I was motivated.

10:59I want to work.

11:00So, sige lang, sige lang.

11:01But after 2 weeks, I was fired again.

11:03Because I do not know how to work.

11:05So, yung nakakailang firing ka na, nakailang firing squad ka na, Aris.

11:12Siguro, within 6 months, nakalima.

11:156 months.

11:16Okay.

11:16But, it did not dishearten you, no?

11:19I mean,

11:20No, just try and try until you succeed, sabi nga nila.

11:25Peters never win.

11:26And then, until that time, that account, the account, yung Ponte, account dito, account, the account of Tasca, Ponte Tasca, needed a driver.

11:41Badly for her daughter.

11:44So, meron naman akong license dito.

11:45I could drive.

11:47At nagustuhan niya because I was speaking English.

11:50Para matuto yung kanyang daughter.

11:52So, yun, dun nagsimula ang journey natin.

11:57I started as a driver ng isa sa mga royals dito.

12:04The Count of Villa Tasca.

12:07So, ako yung driver niya.

12:08Ako yung taga-atid, taga-sundo.

12:11Pag mag-party, ako yung mag-ahatid sa kanya.

12:15So, natuto ako sa mga different streets dito sa Palerno City.

12:19That lead me, during 2020, kasi walang work masyado dito.

12:24But I still have work, pero gusto mag-part-time.

12:26That lead me to work as a delivery boy.

12:31So, alam mo yung mga streets.

12:32So, I drive around.

12:35Okay.

12:36So, finally, you were able to settle.

12:39Hindi ka naman na-fire after two weeks.

12:42No.

12:42After two weeks, I was given out a contract.

12:45Ah, okay.

12:48So, nagkaroon ka ng kontrata.

12:50But all these things, ano-ano pong apasok sa isip mo during all the challenges?

12:55You know, the firing here and there, and all of a sudden, nagkaroon ka ng discovery with discount to drive.

13:01So, ano naging status mo ngayon sa sarili mo, Aris?

13:08Yung heartbreaks na yun, sabi ko, I was crying with my wife, sabi ko sa kanin, siguro, hindi talaga ako maroon.

13:16But my wife motivates me.

13:18Sabi, hindi, kaya ko yan.

13:19Sige, just keep on trying.

13:21And then, when that lucky day came, sabi ko sa sarili ko, kaya ko pala.

13:27Pero, hindi lang dapat ako ganito.

13:31Hindi lang dapat ito lang.

13:33Kasi, stagnant eh.

13:35Wala kang...

13:36Walang learning eh.

13:39If you are a driver, you're a driver.

13:41Wala na.

13:42That's why, what I did is, first, I need to learn the language.

13:45Would you imagine, sir, no?

13:46They are talking to me in English.

13:49So, sabi ko sa sarili ko, how will I learn yung language ng mga Italiano kung hindi ko pag-aaralan?

13:57So, ang ginagawa ko is really to talk in Italia kahit balu-balutot.

14:02Sige lang.

14:03And then, sabi ko rin sa sarili ko, I need to learn new things.

14:07So, dapat mag-aaral ko, mag-aaral ko.

14:09Pero, ang nangyari kasi sa akin during that time, the biggest mistake is that,

14:14napasama ako sa mga, sabi na lang natin, not bad influence,

14:19but the mindset of people na mahilig sa sapatos during that time.

14:23And then, siyempre, malaki ang kita, malaki ang tip.

14:29Naging habit na natin ang bumili ng napakaralan sapatos.

14:33Until the time na dumating dahil sa 220 pairs of Jordan and Bowie.

14:39Anong sapatos yan?

14:41Are you talking of leather or are you talking sneakerhead?

14:44No, I'm a sneakerhead.

14:46Ang sabi ko nga nun sa reply, the swaggy aim.

14:50I was collecting Jordan 1 to 14, yung mga isunod ni Michael Jordan,

14:56in his championship journey.

14:58And then, from Kobe 1 to Kobe 12, yung mga isunod naman ni Kobe Bryant.

15:04So, I was really, I sneakerhead, talagang bilinang bilin.

15:08Until that time na sabi ko sa sarili ko, hindi na pwede.

15:11Kasi nga, wala nang naisip.

15:13Hindi na ko nakakapag-ipon.

15:15As in, napupunta na lang lahat sa sapatos.

15:19Dumatay ako sa time na every time makahawa ko ng pera.

15:22Nanginig yung pangayag mga nun.

15:24Because I do really want to buy.

15:26Pag nag-check ako sa internet, sapatos ka agad ang kinitignan ko.

15:31So, yun.

15:32Yun ang naging buhay ko when I started working.

15:34And alam nyo yun, yung talagang, it's the life of an OF overseas Filipino talaga na

15:41kapag hindi malaki yung psychological wallet mo.

15:44And then you want to try these things.

15:48Makikita mo na magiging habit na ito.

15:52So, sabi ko, kaya ko pa ito.

15:54Until that time na nandun ka na, eh, 10 years, 20 years, wala ka pang nasisimulan.

16:02Mabuti na lang, yung awakening sa akin is maagad.

16:07Three years lang naman yun na gano'n ang ginawa ko.

16:10So, paano ka namulat sa iyong habit?

16:20Dumating yung time na, siyempre, sabi ko sa sarili ko, hindi na pwede ito.

16:24So, I prayed talaga.

16:26Sabi ko kay Lord, Lord, please help me kasi hindi ko alam kung ano nang gagawin ko.

16:31So, God answered my prayer in a very strange way.

16:37God gave me our second son.

16:40So, during nung nalaman namin ang asawa na siya ay bundis.

16:46Kasi accidentally lang yun, sir, accident.

16:49Hindi talaga namin intention na, kasi isa lang talaga gusto namin.

16:54Nung nabundis si misis, sabi ko, oh my God.

16:59Sabi sa ito talaga, mamma mia.

17:00I was not mentally, I was not emotionally, physically, and the most important, financially ready.

17:12So, sabi ko sa sarili ko, I need to change.

17:15That was exactly five years ago, 2019.

17:21So, sabi ko sa sarili ko, I need to change.

17:23So, anong ginawa natin?

17:24So, kasi feeling ko nun, alam ko lahat, mayabang ako, I was, anong tawag nito, mayabang, ano pa ba, basta.

17:36And then, feeling ko, alam ko lahat, pero yung result, wala namang nakikita.

17:42For example, may bank account, feeling ko, alam ko lahat, pero bank account, it does not you anything.

17:47Sabi ko, ang nandito sa butak ko ngayon, walang siligit.

17:51So, tinanggal natin lahat, we started removing everything, start to zero, and put another knowledge, wisdom, sa ating head.

18:05And then, we started changing.

18:07So, I started reading books, I started following people, and then one of the show that I really loved during the time,

18:15is to watch yung, on the money, wherein, and dun yung aking twin na si Sir Edric Mendoza, no, just kidding.

18:23And then, si Ma'am Salve, may nanay chocolate, Salve de Quinto, and the rest.

18:31Okay, so, ang ginagawa ko ng Sir, while working, dinadownload ko kasi yung mga videos niya.

18:37Yung mga videos niya.

18:38And, kinoconvert ko into MP3.

18:41At yun ang palagaw yung pinapahingam every time nag-war ko.

18:45So, parang, ulot, kahit paulit-ulit yun.

18:49Sige lang, sige lang, sige lang.

18:50Until such time that yung baby steps na ginawa ko become now my habit.

18:57So, now is my habit.

18:59It was life-changing, Aris.

19:01Kasi, you know, it takes time.

19:03Kasi, you know, manunood ka.

19:05Misang baka nabobor ka, nadidistract ka, you know, yung mga ganun.

19:08Tsaka, nag-aalaga ka ng pangalawang anak, di ba?

19:11But you have that self-discipline eh.

19:13Kasi, what would have happened if you did not turn around?

19:19I could imagine.

19:21Siguro, we're stagnant.

19:23Andun pa rin kami.

19:24During that time, my eldest son asked me for McDonald's.

19:30I could not even provide.

19:33Because I was thinking, ha, pambili ko yan ng sapatos.

19:37Or pambili ko ng bike.

19:38Ha, hindi ko pa pala na kontro.

19:39I was also a cycling addict.

19:44I have five bikes before.

19:48Talagang, palagay ko, ito yung mga gusto mo ng araw na nasa Manila.

19:52Yung mga gusto mo karoon ng sapatos, gusto mo karoon ng bike.

19:57And all of a sudden, nandiyan ka sa Italy, na-fulfill mo yung, kumbaga, yung wants mo.

20:03Naging needs, di ba?

20:05Naging insecure ako sa rin.

20:06Because siguro, I want to show off.

20:10To show to everyone.

20:12Kaya ko rin yan.

20:13I want to flex.

20:14Pero, totoo yung sabi nila na, doon sa book ni Morgan Houser, The Psychology of Money.

20:22Money is the greatest show on earth.

20:24Because the fastest way of losing money is showing other people that you have money.

20:31What do I mean?

20:32Siyempre, pag may pera ka, anong gagawin mo?

20:34Para makita ng iba, di bibili ka.

20:36Para yung pakita mo na may pera ka.

20:38So, it's just the greatest show on earth.

20:40So, naging financially literate ka, eventually, I understand, Aris.

20:47So, to a point na nagkakaroon ka na ng online, meron ka na online, nagtuturo ka,

20:53pati-pratika na interview.

20:56Ito ba, nakikita mo, talagang ito rin yung gustong-gusto mo sa buhay ngayon.

21:00Nakakatulong ka rin sa mga kapwa Pilipino.

21:03I do remember when I was high school, sir, sabi ko,

21:06someday I'm going to be a public speaker.

21:10Ewan ko ba, the director in my school before was really honing me to become a speaker.

21:17Sabi niyo sa akin, nakikita ko sa'yo, you are good in debating, you are good in speaking.

21:23Pero hindi ko ma-imagine how.

21:26Until that time, sabi ko na-meet ko si Ma'am Salve,

21:30which is the catalyst of change, especially to my family.

21:34Ang nangyari niyan is, sabi niya sa akin, why don't you be, try to be a storyteller?

21:42Yeah.

21:42Okay.

21:43So she gave me a book to read, and I read it.

21:47And I was so motivated.

21:49Okay, yeah, why don't I tell?

21:51I convey my stories to others.

21:53So yung magustong makinig, at gustong matutok from me, why not, di ba?

21:59So that's why I learned how to tell my story.

22:03And as of now, sir, I'm so happy that I am helping people, and dyan, sila Dayang, shout out to you,

22:11na nakikita ko yung pagbabago sa kanilang buhay.

22:15My relatives are telling me, siguro nakita nila yung pagbabago ng aning buhay.

22:19Sabi nila, Aris, feeling mo siguro, hindi ka namin pinapakinggan.

22:23Hindi lang kami maingingay, pero pinapanood ka namin.

22:26Pinapanood ka namin.

22:27Yan na yung magiging message nila sa akin, that I never heard before when I was starting.

22:36Siguro, they are telling me, gastador yan dati.

22:39Pero siguro, nakita nila yung changes.

22:42And then I walk the talk, siguro, for them.

22:46So, oh, bakit hindi natin ito?

22:49And now, if they want to invest, they ask me, ano, maganda ba ito?

22:54And people now are asking, bro, mga brothers and sisters namin in the church,

23:00bro, what do you think about this investment?

23:03Ganito.

23:03And I would now be able to give my, siyempre, my registered financial planner,

23:08my professional advice to them.

23:11Okay yan.

23:12Bwede ito muna, pag-aralan muna natin, invest muna sa knowledge.

23:15So, dahan-dahan.

23:17So, yun sir, I was being able to talk to them.

23:19And I'm so happy, I'm so glad, because one of my prayers also is,

23:23Lord, use me to be a blessing to others.

23:27Use me to be a blessing to others.

23:29Prosper me so that I could prosper and bless others.

23:33So, I understand the RIFP, registered financial planner.

23:39Yeah, actually, ang pinto niyan, when Ma'am Salve motivate me, okay,

23:45aside from being a storyteller, you need also to be a financial planner,

23:49a registered financial planner.

23:51So, kailangan mo mag-aral.

23:53So, nag-aral ako, alam mo, sir, no,

23:54ako hindi ko kinakaya.

23:56I work as a part-time waiter sa restaurant dito.

24:00So, ang trabaho ko is from 6 p.m. to 12 p.m.

24:03Ang klase dyan sa, because we have six-hour difference,

24:06ang klase dyan sa Pilipinas, sa amin, is from 2 a.m. dito sa Italy time to 6 a.m.

24:15So, ilang Saturdays yun?

24:17Eight Saturdays or nine Saturdays yun yung klase na yun.

24:21So, pagdating ko ng from work,

24:25matutulog ako ng mga isang oras,

24:27id-lip lang, and then gi-isang ako mag-aaral.

24:29So, nung natapos ko yung eight weeks,

24:33sabi ko, kailangan mag-revalida ako kaagad

24:38para hindi mawalay yung knowledge.

24:40And with God's blessing,

24:43I passed the revalida,

24:46and now I am now helping people in their financial.

24:50So, para bang marami kang stepping stone, no?

24:54In other words, yung life-changing moments mo

24:57na binigyan mo yung asama mo ng one year,

24:59naging six months, you know,

25:01do you see, para bang there are a lot of things

25:03you're being guided, no?

25:05O, syempre, pinatikim ka muna ng iyong sneakers

25:08na 200 pairs.

25:11Teka nga pala, ano nangyari na doon sa 200?

25:14I'm sure, mga nanonood sa atin,

25:16magtatanong.

25:16Nasaan na yung 200 pairs?

25:20Right.

25:20So, what I did is when I was already

25:23financially literate,

25:26ginawa ko, I sold them.

25:30Binenta ko yung almost 90% na,

25:33may mga natitira pa,

25:34pero yung mga yun,

25:36parang investment na kasi,

25:37like the shoes of Kobe Bryant,

25:38when he died, rest in peace.

25:41Yung mga sapatos yun,

25:43nag-times 10, yung value.

25:44So, hindi ko na sila binenta.

25:47Hino-hold, own ko na lang dito.

25:48Because, for example,

25:49meron akong napili ng mga around

25:50150 euros,

25:52ang cost na niya ngayon

25:53sa around 8,000 euros

25:54na pag-ibinenta mo.

25:55Wow.

25:56So, naging investment.

25:57So, naging investment.

25:58General po yung hobby mo

26:00into investment,

26:02iba?

26:02Yeah.

26:03Oo.

26:04So, yung capital,

26:05nag-start tayo sa stock market,

26:08most of the capital

26:09comes from the shoes na itself.

26:12And then, as I progress,

26:14as I learn

26:15and guided by these people,

26:18sila,

26:18actually,

26:20OQP,

26:21ito pala yung sinasabi sa mga tao,

26:22OQP,

26:23only quality people.

26:26Saksakan natin ng knowledge dito

26:28from only quality people.

26:30So, mga nagigining ngayon,

26:31yan, sila sir,

26:32sila sir Boots,

26:33yan,

26:34I would follow them,

26:36Coach Efren,

26:37the Wealth Archie guys,

26:41sila,

26:41Boss Rex Mendoza,

26:43Coach Randall,

26:44Marvin Guillermo.

26:45Actually,

26:46I created what I called

26:48my financial literacy heroes

26:51that eventually lead them

26:53to my life heroes,

26:54na hindi na financial literacy heroes.

26:56Taging life heroes ko sila.

26:57So, parang,

26:58Superman is si Rex Mendoza,

27:00Batman si Randall Johnson,

27:03si Wonder Woman,

27:04si Salman,

27:05Salve Duclito,

27:06and so I named them.

27:09So, see,

27:09Sister Boots is the cyborg,

27:11no?

27:12So, I named you all

27:14because you are my heroes,

27:16okay?

27:16I named you all,

27:17and then every time

27:18I need to know something,

27:19di ba sir,

27:20I ask you,

27:21I message you

27:21most of the time.

27:23If I know,

27:23if I don't know anything,

27:25I ask.

27:26I ask.

27:27And I make sure

27:28that I am guided

27:30by these people.

27:32I consider them now

27:33as my mastermind.

27:34But, Aris,

27:35are you planning

27:36to write a book

27:37about your life

27:38so that you can share

27:39with more and more people?

27:41Siguro,

27:42hindi lang Italy,

27:43but other OFWs?

27:45Honestly speaking,

27:46you are the fifth person

27:48to ask me this one.

27:49Why don't you write a book

27:51about this life?

27:52Sabi ko,

27:53okay,

27:54I'll take it

27:54one step at a time.

27:56Siguro,

27:56I will share muna

27:58my story

27:59and let's see

28:00how people will react.

28:02Nasa initial stage pa lang

28:03ako sir,

28:04I am not yet finished.

28:06I am not yet in the middle.

28:08I am just starting

28:09because every day

28:10there are so many lessons.

28:13Ang ginagawa ko kasi sir,

28:14I look up to all of you.

28:15And then sabi ko,

28:16if I want to be like them,

28:19I need to follow

28:20what are they doing.

28:21Success is just

28:22kanyan,

28:24may pattern,

28:25may path.

28:26All you need to do

28:27is to follow the path.

28:28So if you know a person

28:30like Sir Boots,

28:31just follow his path.

28:33Don't follow other path.

28:35Kung ginawa mo yun,

28:37may iba ang landas mo.

28:38Just follow

28:39yung footsteps,

28:40yung way

28:41na tinaanan

28:42ng mga taong to

28:43and eventually

28:44you will get there.

28:45So yun ang ginagawa ko,

28:46sir,

28:46so tinitignan ko kayo

28:47ano yung mga ginawa niya

28:48before,

28:49what are your failures,

28:50how did you overcome

28:52those failures,

28:53and eventually

28:55I will learn

28:56from those failures

28:57and I will apply it

28:58to myself.

28:59The most important

28:59is sa mga nakikinig

29:01is the education,

29:02the knowledge.

29:04Ay yung knowledge niyan

29:04is not power,

29:05it's the applied knowledge.

29:08That is power.

29:09So yung mga natutunan natin,

29:10if you are not going

29:11to apply it,

29:12that's nonsense.

29:13That's just entertainment.

29:15Parang na-motivate ka lang,

29:16and thereafter,

29:17wala ka namang ginawa.

29:18Walang action,

29:19di ba?

29:19In other words,

29:20there's no action.

29:21You're not able to learn,

29:23you're able to retain,

29:24but not to learn.

29:26You have to,

29:27more or less,

29:28para bang manifest mo yun.

29:30So tell me,

29:31Aris,

29:31anong plano mo ngayon?

29:33When or,

29:34how long are you staying there?

29:35Are you staying there for good,

29:38or do you have plans

29:39to come back?

29:41Okay,

29:42honestly speaking,

29:43our plan na really

29:44is to stay here

29:45because of our children.

29:48Because,

29:48ang tawag na ito,

29:53first and foremost,

29:54sir,

29:54yung dyan sa Pilipinas,

29:55kasi what I don't like really,

29:58what I consider na ayaw ko

30:00is first,

30:01mahal ang medication,

30:03mahal ang hospitalization,

30:06mahal ang doktor,

30:08tapos mainit,

30:10tapos mahal ang mga bilipin.

30:12So those are the things

30:13that I consider.

30:14So that's why,

30:15maybe around,

30:17three,

30:18four years ago,

30:21sinabi ko na sa aking wife,

30:22what are we going to do?

30:24Are we going to stay here

30:26for good,

30:27or,

30:28babalik tayo ng Pilipinas

30:30for good?

30:30So we decided

30:32to stay here

30:33not for good,

30:33pero hindi natin alam eh,

30:35what will happen

30:36in the future.

30:37I am not closing

30:39that door

30:39to return

30:40in the Philippines,

30:41but for now,

30:42we decided

30:42to really stay here,

30:44focus here,

30:45pero,

30:45our investments

30:46are in the Philippines.

30:47So I am not closing

30:48that door.

30:49So I piloted

30:51investments

30:51in the Philippines

30:52going global.

30:54So nag-invest na kami

30:55dito sa Italy

30:56and even sa global markets

30:58for us to fulfill

31:00the dream

31:01to really stay here.

31:02So tinitignan na namin

31:04what are the opportunities

31:05here,

31:05like buying our own house,

31:08then buying

31:09some rental properties.

31:11What are the possible

31:14investments

31:16so pwede lang

31:17yung pasukin dito

31:18para na magkaroon kami

31:19ng passive dito?

31:21But Aris,

31:22on the other side

31:23of the coin,

31:24how are your other

31:26or our other

31:26Filipino

31:27there in Italy

31:29doing?

31:31I mean,

31:31are they still

31:32on the same plateau

31:33as is where it is,

31:35spend and spend

31:36and earn?

31:38Ano ba nakikita mo?

31:40Kasi in other countries

31:41where, you know,

31:42Filipino overseas

31:43are there,

31:44they just keep buying

31:45and buying

31:46but never,

31:47you know,

31:47investing?

31:48Ano ba ang situation

31:49dyan sa Italy?

31:50Nakikita mo?

31:51I could only talk

31:52dito sa Palermo

31:54because in Rome

31:55they have this

31:55financial literacy.

31:57I was writing

31:58an article

31:59maybe two years ago

32:03sa isang blog

32:04dito sa Italy

32:06and then

32:07dito sa Palermo

32:09maybe we are just

32:11one person

32:11of the people

32:13who really

32:14do our thing

32:15in managing

32:17our finances.

32:17But

32:18I hope

32:19during my studies

32:25now

32:25personal finance

32:27is personal.

32:28Hindi po

32:29na sinasabi

32:30na

32:30ito yung gawin

32:31ito yung gawin

32:31you decide

32:32what you want

32:33but with my observation

32:35only 1%

32:36of the people

32:37dito sa Palermo

32:38Filipino people

32:39are really managing

32:40their man well.

32:42Yung mga iba

32:42they are in the habit

32:44of spending.

32:45Especially

32:45this Christmas season

32:47sir, no?

32:47I would just imagine

32:49yung daming

32:50nagpo-post

32:50ng kanilang

32:51mga

32:51bonus

32:5213 month pay

32:5414 month pay

32:56tapos

32:57tax refund

32:58tapos

32:59bonus

32:59yung may tinatawag

33:01kami itong bonus

33:02at ito

33:02yung may bonus

33:04yung mga

33:04nag-re-rent ng bahan

33:05would you imagine

33:06sir, no?

33:07Magkano yun

33:08kung sumasawad ka

33:10ng 1,000

33:10so sumawad ka

33:11ng 1,000

33:1213 month pay

33:13another 1,000

33:142,000

33:1514 month pay mo

33:16pwede 3,000

33:18na yun

33:18sabihin na natin

33:20yung kasi yung

33:21tax refund

33:22is another 1,000

33:22kasi usually

33:23minimum

33:231,000

33:244,000

33:26plus yung

33:26bonus rent mo

33:28another 1,000

33:295,000 euros

33:30in

33:31in a month

33:33so if your

33:34psychological wallet

33:36is not really

33:36that big

33:37magkaganin yung

33:39sami mo

33:39I want this

33:40Louis Vuitton

33:40I want this

33:41iPhone Pro Max

33:43so

33:43you are

33:45rich in December

33:46pagbating mo

33:46ng January 1

33:47you are back

33:48to your

33:49usual self

33:51big pit ng

33:53cinturon

33:53sabi nga nila

33:54yung mga ganon

33:55so

33:56tell me

33:57okay

33:58it's a big

33:58I think it's a big

33:59challenge on your part

34:001%

34:01yan

34:01so

34:02yung 1%

34:03you have to work

34:05on the 99%

34:07in Palermo

34:07lang

34:08I think that's your

34:10advocacy

34:10and that's what

34:11God is telling you

34:12right now

34:12the message

34:13that you are

34:14being given

34:15the talent

34:15you are given

34:16the skills

34:16but you cannot

34:17keep it yourself

34:18you have to

34:19yeah

34:20I was sharing

34:22it to my

34:23relatives

34:23during our

34:24Christmas party

34:25last night

34:26sabi nila

34:26what is

34:27takiba

34:28para

34:28medyo

34:29umangat

34:29ang dunay

34:30ang sabi ko

34:31sa kanila

34:31okay

34:31if we have

34:321000 euro

34:33for example

34:34na

34:35income

34:36and you live

34:38only within

34:39your means

34:40parang ganito yan

34:41break even

34:42ka lang

34:42sabi ko sa kanila

34:43so kung ikaw

34:44nabubuhay ka

34:45above your means

34:46talagang negative ka

34:47you will never

34:48get out of

34:50your situation

34:50right now

34:51pag ikaw naman

34:52ay break even

34:53ka lang

34:53within your means

34:54lang

34:55wala rin

34:55kasi nga

34:561000

34:57uubos mo

34:57na yung 1000

34:58wala

34:58the key is

34:59you live

35:00below

35:00your means

35:02sabi nga

35:03kung 1000

35:04yung sweldo mo

35:04itabi mo yung

35:05200 euro

35:07so imagine mo

35:08200 euro

35:09that's 2400

35:11in a year

35:12in 10 years

35:13that's 24000

35:14euros

35:14that's more than

35:15that's 1.3

35:171.4 million

35:18pesos na

35:19so you are

35:20a Filipino

35:20millionaire

35:21in 10 years

35:21e para kung

35:22magiging

35:22disiplinado ka

35:23mag-aaral ka

35:25you invest

35:25a little bit

35:26in 5 years

35:2810 years

35:28you will be

35:29multi-millionaire

35:31na investor

35:31yun ang sabi ko

35:32sa kanila

35:32the only key is

35:34you only live

35:34below

35:35means you train

35:36yourself

35:37na kapag may

35:38natanggog kang

35:39pera

35:39automatic

35:39tanggalin mo

35:40na yung savings

35:41mo

35:41ilagay mo na

35:42kahit makastos mo

35:43na yung rest

35:44and importante

35:45may na-itabi ka

35:46and then

35:46during that time

35:47mag-aaral ka na

35:48and then

35:50pag-aaralan mo

35:51what is an

35:51emergency fund

35:52what is investment

35:53and on that

35:55process

35:56you will see

35:56your fruit

35:57actually yung

35:58white fruit

35:58noong 2019

35:59our first investment

36:01is

36:01pag-ibig

36:01NP2

36:02so

36:03umiiyak-iyak pa

36:04ako

36:04nung sinabi ko

36:04sa kanya

36:05pwede ba

36:06itong savings

36:06natin

36:07na 200,000

36:08pesos

36:08ilagay natin

36:09sa NP2

36:10sabi ko

36:11sabi niya

36:11hindi ako

36:11niniwala

36:12sa mga

36:12investment

36:13para sa mga

36:15pangmayaman

36:15lang

36:15sabi ko

36:17sa kanya

36:17nung

36:17matutulog

36:18na kami

36:18I was

36:19crying

36:19I will

36:20never

36:20give up

36:21on our

36:21dreams

36:22marami tayong

36:24pangarap

36:25ang mga

36:26dreams lang

36:26na ito

36:27ay magiging

36:27like fantasy

36:28lang

36:28kung hindi tayo

36:29magkakaroon

36:30ng action

36:31so please

36:32give me

36:33the 200,000

36:34pesos

36:35at ilagay natin

36:36sa NP2

36:37if I am not

36:38going to double it

36:39within 5 years

36:40yung

36:40investment

36:42na yan

36:42balik tayo

36:44sa pure savings

36:455 years

36:46from now

36:47kung titignan

36:48natin

36:49yung nangyari

36:49yung 200,000

36:51na naging

36:51investment

36:51namin

36:52hindi lang siya

36:54times 10

36:55hindi lang

36:56times 20

36:58mas

36:58malaki pa

36:59yung

37:00yung

37:00kanyang

37:01naging value

37:01and

37:02sabi ko

37:03sa kanya

37:03minsan

37:04I have this

37:06financial statement

37:07I was reporting

37:08sabi ko

37:09with our

37:10money

37:12in the bank

37:13in investment

37:13right now

37:14tignan

37:14ididivide natin

37:16in 12 months

37:18para tayong

37:19nagsa-save

37:19ng ganitong

37:20value

37:21kung titignan

37:22natin

37:23itong

37:23sinasave

37:24natin

37:24na value

37:24na to

37:25hindi

37:25wala pa yan

37:26sa ating

37:26sahod

37:27mas malaking

37:27nasisave

37:28natin

37:28na parang

37:29nasisave

37:29natin

37:30because of our

37:30investment

37:31compared to

37:32our

37:33sahod

37:34world

37:34so yan

37:35yung

37:36power

37:36ng

37:36pump

37:37pump

37:37yeah

37:37so

37:39anyway

37:40Aris

37:41what's next

37:42for you

37:43so probably

37:43I'm the fifth

37:44person to tell you

37:45about writing a book

37:46and probably

37:48giving us

37:49but

37:49tell me

37:50anong mga tatlong

37:52advice mo

37:53sa mga

37:53OFWs

37:54right now

37:55probably

37:55not just

37:56in Palermo

37:57but

37:57throughout the world

37:58I mean

37:59alam mo na

37:59mga Pilipino

38:00we're all over

38:01you can find

38:02any

38:03any Filipino

38:04in any part

38:05of the world

38:05but

38:06what can be

38:07their guide

38:08na pwede mong

38:09i-share

38:09na

38:10pwede mong

38:11i-bato

38:11na guiding

38:12post

38:13number one

38:14siguro sa list

38:15to accept change

38:16if you know

38:17your situation

38:17you need to

38:18accept change

38:19sampalin mo na

38:20yung sarili mo

38:21walang nagbabago

38:22walang

38:23walang

38:24magbabago

38:24talaga

38:24magbago

38:25accept change

38:26and number two

38:27is

38:28you invest

38:29first

38:30in knowledge

38:31maraming

38:32sangayan

38:33number one

38:34is

38:35to read books

38:36what I mean

38:37hindi lang basta books

38:38yung mga books

38:40that will

38:41change your life

38:42for example

38:43Think and Grow Rich

38:44The Secrets of the Millionaire Mind

38:46The Richest Mind in Babylon

38:48those are the

38:49finance books

38:50na

38:51binasa ko before

38:52and even this time

38:53may audio book

38:55pinapakinggan ko sila

38:57every now and then

38:58inuulit-ulit ko sila

38:59to remind myself

39:00and

39:01during

39:02also

39:02you follow people

39:04OQP

39:05only

39:06quality

39:07people

39:08alam na nyo guys

39:10yung mga tao

39:10lecture books

39:11Ma'am Salve

39:12Coach Randall

39:14Sir Marvin

39:15Coach Efren

39:16now

39:17if you message them

39:18and you ask them

39:19hindi sila madamod

39:20they will teach you

39:22those are the

39:23successful people

39:24and

39:25always follow

39:26yung

39:27sinasabi nila

39:27na excellence

39:28sila naging

39:29excellence

39:29sila follow excellence

39:31because once you

39:32follow excellence

39:32success will also

39:34follow

39:35and the third one

39:36which is the most

39:37important

39:37is

39:38whatever you

39:39learn

39:39from them

39:40or from the

39:41books

39:41you apply

39:43you test it

39:45okay

39:45walang silbyan

39:46hindi mo masasabi

39:48na malakas ang tubig

39:49sa

39:50sa dagat

39:52kung hindi mo

39:52itetest yan

39:53malakas ba talaga

39:54o hindi

39:54you really need

39:55to test it

39:56and you know

39:57you know what

39:57dun sa

39:58pangalawang

39:59advice ko sa inyo

40:01na you

40:01use

40:02you invest

40:03to knowledge

40:03once you started

40:04investing to knowledge

40:06the world

40:06will become

40:07your life

40:07exactly

40:09because your

40:10question will lead

40:11to another

40:11question

40:12to question

40:12that will lead

40:13to another

40:13question

40:13be inquisitive

40:15aris

40:16if you don't mind

40:17how old are you

40:17right now

40:1838 sir

40:19proud 38

40:2138

40:22and a billionaire

40:23oh not yet

40:26billionaire in pesos

40:28i guess

40:28not yet

40:30but anyway

40:35aris i'm so happy

40:36that you have

40:36shared this a lot

40:37especially for

40:382025

40:39alam mo naman

40:40bagong taon

40:42at bagong

40:43bagong anyo

40:45in other words

40:45ikaw eh

40:46nagbago ka

40:47in other words

40:48eh

40:48di ba

40:48sa mga

40:49challenges mo

40:50pero hindi ko

40:51makalimutan

40:52eh

40:53you got fired

40:54in what

40:55five times

40:56in six months

40:58six months

40:58record breaking

40:59you know

41:00in other words

41:02hindi ka na

41:03disappoint

41:03hindi ka na

41:04umuwi sa Pilipinas

41:05siguro

41:05nag-impact ka na

41:06ayoko na

41:07hindi araw

41:08ako maruro

41:08magtrabaho

41:09but you

41:09you have the

41:10discipline eh

41:11di ba

41:11yung learn

41:12learn and learn

41:14di ba

41:14although emotionally

41:16medyo

41:17nilunok mo

41:18yung humility

41:19mo

41:19di ba

41:20kasi nga

41:20napaiyak ka pa

41:21eh

41:22hindi ko ma-imagine

41:23baka may mga

41:23pictures ka diyan

41:24kumakain ka sa

41:25sa bathroom eh

41:26pwede natin

41:27ishare

41:27baka maganda

41:28yung storya

41:29na yan

41:30di ba

41:30i-send ko sa'yo sir

41:31meron ako

41:32meron akong

41:33yung

41:34yung

41:35same na bathroom

41:36na pinagkainan ko

41:37bale

41:38parang ko siya

41:40anong tawag nito

41:41niri

41:42parang

41:43ano ba

41:44nire-call ko siya

41:45i ask my mother-in-law

41:47please

41:47take him to a picture

41:49so dun sa mismo

41:50ano nga ko

41:51i will send it to you sir

41:52that's my

41:53humbling moment

41:54re-en-acca

41:55that's a very

41:56re-en-acca

41:57yeah

41:57so uh

41:58yeah

41:59um

41:59how would you say

42:00uh

42:01good

42:01uh

42:02no

42:02anything in

42:03in italiano naman

42:04to our

42:05our italian friends

42:07uh

42:07ano ba

42:07very fluid ka na ba

42:09sa italian

42:10or nakakapagbasa ka na rin ba

42:12yeah

42:13yes sir

42:13a little bit

42:14hindi ko lang sinasabi

42:15na hundred percent

42:16so

42:17conmute to tiamichi

42:19in italian

42:21pensare prima

42:24la nostra futuro

42:25il

42:26il

42:27il

42:28primo step

42:28e prima

42:29dobbiamo investire

42:31in

42:32no

42:33dobbiamo cambiare

42:34la nostra

42:35menta

42:38il secondo

42:40dobbiamo investire

42:41in knowledge

42:43e il terzo

42:44dobbiamo applicare

42:45quale che abbiamo

42:46imparato

42:47tell me

42:49lastly

42:50palermo

42:51is very well known

42:52um

42:52what is it

42:53I was

42:54I keep hearing

42:55about palermo

42:56sicily

42:56anong

42:57anong

42:58kilalang kilala

42:59ba dyan

42:59palermo

43:00it's the mafia

43:02country

43:03yan yung

43:07mga godfather

43:08diba

43:08mga godfather

43:10yeah

43:10ang kilala kami

43:12sa magagandang

43:13beaches

43:14we are like

43:15in the

43:16mediterranean

43:17sea

43:17so we are

43:19we are known

43:19for that

43:20we are known

43:22for

43:23the tempo

43:24we are known

43:27for

43:28good food

43:28fish

43:31we are known

43:32for that

43:32so yung

43:33mga gusto

43:33magtravel

43:34na

43:35sobrang

43:36nauhumay

43:37na sa

43:37Milan

43:37sa Rome

43:38come to

43:40Sicily

43:40to

43:41Palermo

43:42ituturo

43:43po kayo

43:44wow

43:45so anyway

43:46papano ka

43:47naman makukontakt

43:48I'm sure

43:48marami tayong

43:49mga viewers

43:49na

43:50ay gusto naman

43:51makukontakt

43:51si Aris

43:52to learn more

43:54ano ba

43:55papano ka

43:56nakukontakt

43:56Aris

43:57so I have

43:58my own

43:59personal

44:00which is

44:01Aris Valoran

44:02and I have

44:02also my

44:03my page

44:04which is

44:05Aris Valoran

44:06also

44:06so yeah

44:08so Aris

44:09again

44:10more power

44:11to you

44:11I'm so proud

44:12that you are

44:13you are doing

44:14some advocacy

44:15of life-changing

44:16moments

44:17lalong-lalo

44:18na yung mga

44:18kababayan

44:19natin dyan

44:20and really

44:20on financial

44:21literacy

44:22yan ang

44:23important

44:23so again

44:26good luck

44:26to you

44:26and your

44:27family

44:27so

44:29hope to see

44:30and keep us

44:30updated

44:31when you have

44:32the final book

44:33to also

44:33publish

44:34so

44:35hindi kita

44:36titigilan

44:37gusto ko makikita

44:38yung libro

44:38na ipapublish

44:40ni Aris

44:40okay

44:41okay sir

44:42thank you so much

44:43thank you

44:43thank you so much

44:44thank you

44:45thank you

44:46very much

44:46Aris

44:47good luck

44:47bye bye

44:48you

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