00:46.0
na 75% of families here in the Philippines ay kasama ang kanilang mga magulang doon sa household.
00:54.0
And the increasing life expectancy and rising cost of living add to the complexity of this situation.
01:03.0
Sir, ba't sinasabi na nag-a-add ng complexity sa situation ng sandwich generation
01:09.0
kapag yung mga magulang natin ay humahaba ng buhay?
01:12.0
Kasi diba ako personally, gusto ko yun na mas humahaba pa rin yung buhay nila.
01:16.0
Like for example, yung mama at si inay na yan ay 76 years old.
01:22.0
Si mama at si papa are in their late 60s, early 70s.
01:27.0
So syempre sa ating mga buhay nila diba?
01:29.0
Pero in general, habang tumataas yung life expectancy ng mga tao, what's the implication of it?
01:35.0
Yes, kasi syempre kapag humahaba yung buhay,
01:38.0
humahaba din yung panahon na kailangan tayo ay romance doesn't mean net, no?
01:43.0
Unfortunately, talaga ang nangyayaring ngayon ay lahat,
01:47.0
halos ng dalawang natin sa mundo ay may akibat na pera.
01:51.0
Kaya dapat talaga na pag-usapan natin dito at pagplanuhan na maaga.
01:56.0
At diba idagdag pa natin dyan, ang napakataas na inflation natin.
02:00.0
So habang tumatagal tayo dito sa mundo, nakumataas ng pataas ng presyo
02:05.0
so mas nagiging malakas yung pressure sa ating financial.
02:09.0
At siguro sir, nagbabago na yung pangailangan.
02:12.0
Habang tumatanda ka, like for example, medicines, yung pagkain mo nakiiba din
02:17.0
and it takes a toll on your financial stability.
02:21.0
So fortunately kami yung Edwin ay hindi kami sandwich generation
02:25.0
kasi hindi naman dependent si Mama at Papa on my side, sa amin.
02:29.0
So dependent si Inay.
02:31.0
Pero hindi naman gano'n kapit-gano'n.
02:33.0
Bakit hindi lang ako mag-isa?
02:34.0
At saka napakasimple lang buhay ni Inay as in, diba?
02:40.0
At yun, ano lang.
02:42.0
Wala tayong picture ni Inay, pero meron ka yan.
02:44.0
Meron kami picture ni Mama at Papa.
02:47.0
Nung gumisita tayo sa ano, no?
02:52.0
Noong March sa kanila.
02:53.0
At ang nangyayari, wala kami maayos na picture.
02:57.0
Actually, rin nato kami dyan.
02:58.0
At tingin ko yan yung sikitan sa talaga, sa mga senyales.
03:01.0
Nag-e-enjoy tayo kapag gumibisita
03:03.0
at pumunta tayo sa ating mga kapamilya
03:06.0
dahil naumubos yung oras sa kwentuhan, sa kainan, no?
03:10.0
At hindi yun yung sa pagkuhan ng mga pictures.
03:13.0
I can distinctly remember this.
03:14.0
Ilang araw tayo nag-stay doon.
03:15.0
Tapos papaanis na tayo.
03:17.0
Hating tayo ng driver to the airport.
03:19.0
Doon lang tayo na naisip na ano picture niya tayo.
03:23.0
So, yun po yung nangyayari.
03:25.0
So, importance ng financial planning
03:28.0
para sa mga sandwich generation.
03:31.0
So, ito kasi kapag nag-financial planning tayo
03:34.0
and we belong to the sandwich generation,
03:36.0
we ensure the well-being of all our family members
03:40.0
while maintaining personal financial stability.
03:43.0
Actually, we want to ensure that
03:45.0
pero at the same time,
03:46.0
yan din yung pinaka-challenging part, di ba?
03:49.0
Tapos, we also are preparing
03:52.0
for unexpected financial emergencies
03:54.0
that could affect both our parents,
03:56.0
especially on the medical aspect,
03:59.0
and our children.
04:01.0
Naku, talagang kaya ako, kasi Edwin dati,
04:03.0
sinasabang niya talaga na magpuha daw kami ng anak,
04:06.0
At sabi ko talaga, ay, hindi ka talaga kaya, di ba?
04:09.0
Although, sabi ko,
04:11.0
magaling ako sa finance,
04:13.0
pero on the personal, on the emotional side,
04:16.0
siguro ako magkaroon lang ng may magahing bata sa mundo.
04:21.0
Kaya, ang ginawa natin nalang ay
04:24.0
nag-ano lang ako ng mga scholars, ganyan, di ba?
04:28.0
So, kailangan talaga kasi na
04:30.0
paghandaan natin yan,
04:32.0
lalo malalo na itong medical emergencies
04:34.0
in terms of our parents,
04:35.0
naku, hindi po yan talaga nakaplano,
04:38.0
hindi po taong dito na masyaraplano.
04:40.0
At yan, alam mong ilang mangyayari,
04:42.0
kaya kailangan dapat natin siyang pagplanungan.
04:44.0
Yung mga anak, mas okay pa eh,
04:46.0
kasi alam mo na after 18 years,
04:48.0
magka-college yan, di ba?
04:50.0
So, mapagkahandaan natin, okay?
04:52.0
And we have to balance the demands of the present
04:55.0
while planning for the future,
04:57.0
such as our retirement,
04:59.0
yung retirement natin mismo,
05:01.0
at yung mga palahala ng ating mga anak, no?
05:03.0
Kasi, hindi naman po pwede na
05:05.0
lalo na lang tayong kinakabahan,
05:07.0
at we get caught up in that, ano, no,
05:09.0
urgency and emergency na may kailangan tayong gawin.
05:12.0
Otherwise, hindi naman natin ma-enjoy yung ating saya.
05:14.0
Sir Vince, siguro ang gusto ko itanong dito is,
05:16.0
while you're planning for your parents and children,
05:20.0
kaano naman mahalaga yung pagkaplano mo yung sarili mo?
05:23.0
Pag hindi mo na plano yung sarili mo,
05:25.0
pagdating na ikaw naman yung mag-retire,
05:27.0
baka ito din yung aasa, aasa naman sa mga anak.
05:32.0
do not kill the goose that lays the golden egg.
05:37.0
At ikaw yung unggus.
05:40.0
Kung ikaw yung sandwich generation,
05:42.0
ikaw yung unggus that's laying the golden egg.
05:45.0
So, you should take care of yourself first.
05:48.0
Actually, biblical ay tignan natin,
05:50.0
yun naman ang sinasabi.
05:51.0
Kailangan na you take care of yourself first
05:53.0
before you can take care of others.
05:56.0
That's why it's really very important na
05:58.0
pagplanuhan natin ang ating finances.
06:00.0
Handa ka na bang lumevel up sa savings mo?
06:03.0
Join the SEDPICA Social Community
06:05.0
and get started to be a social investor today.
06:09.0
Umatend ng Self-Paced Online Pre-Membership Education Seminar.
06:13.0
Mag-sign up sa bit.ly slash sedpico.pmes
06:19.0
I-deposit ang iyong initial share capital,
06:23.0
at joint venture savings sa Gcash,
06:25.0
BDO Online Banking,
06:26.0
BPI Online Banking,
06:29.0
or Direct Bank Deposit.
06:31.0
Daming options, di ba?
06:33.0
See ng simple instructions sa bit.ly slash sedpipay
06:36.0
para makapagsimula.
06:39.0
Mag-login sa iyong SEDP SRI Online Account
06:42.0
at ipaalam ang inyong deposit.
06:44.0
Go to bit.ly slash sedpionlinesri
06:48.0
at kami na ang bahala sayo.
06:50.0
Ano pang inihintay mo?
06:52.0
Sali na sa SEDPICA Sosyo ngayon
06:54.0
and let's start building a brighter financial future together.
