00:43.9
So when they're in the US, they're really taken care of.
00:46.2
So yung mga medical emergencies, kumbaga, ay bago pa maging emergency,
00:50.7
na pagbaplanuhan nga ng healthcare system nila at nagiging preventing, diba?
00:55.8
So nai-plan o naischedule kung kailan sila operas.
01:00.2
Dito kasi sa Pilipinas, kailangan ma-stroke ka muna bago ko operahan.
01:04.7
Doon, mayroon ng extensive testing system at matikita nila na ay,
01:11.2
bago pa ito ma-stroke, bago pa ito ma-heart attack, operahan na natin kasi may mga bara-bara.
01:16.6
At nai-schedule yun, sir?
01:18.2
Nai-schedule sya.
01:19.9
Tapos, nandito sila sa Pilipinas.
01:23.1
Ngayon, paano naman yung healthcare coverage nila in that regard?
01:28.6
Ang nangyayari naman, which is very good, ay kumukuha kami ng travel insurance.
01:33.2
That's good for one year.
01:34.6
So pag nandito sila, they're covered by that travel insurance.
01:38.2
So any medical emergencies na mangyari, covered yun ng travel insurance that we got from the US.
01:43.4
Aside from the universal healthcare benefit na nakukuha din nila dito sa Pilipinas.
01:49.0
Kasi sila po ay triple citizenship, diba?
01:53.1
Senior citizen, American, and Filipinos, diba?
01:58.0
And then, we also provide for that.
02:00.2
The Sandwich Generation also provides for the children's basic needs and educational needs.
02:06.9
Bakong hirap yan, no?
02:07.8
Para tumarihan, anong huunahin mo ang gamot ni mami, ni daddy, or ang pag-aaral ng ana?
02:15.4
Napakasak, napakasak talagang yung position to be in to make that decision.
02:21.2
Kasi, maraming sa ating mga Pilipino na yan talaga, araw-araw, ang hinaharap na desisyon.
02:29.6
So, ikaw, ano huunahin mo?
02:31.8
Parang selfish choice siya, no?
02:33.8
Ako, I'm just happy na, unfortunately, na hindi dumaan sa'yong kailangan mong magmamili, no?
02:40.6
But kung pipili ng isa lang, I think I would lean toward health rather than education.
02:50.2
Because in education, I think, kaya na, gawal ang paraan.
02:53.3
But in health, it leads to deterioration, mas wala, mas mahiba.
02:58.3
At saka, yung education kasi, marami namang paraan para maging free yan.
03:04.7
At ang health talaga ay mas challenging.
03:07.0
So, and then, yung balancing act nga, no?
03:10.4
Ng personal financial goals mo at yung obligations mo, di ba?
03:16.2
Parang ikaw, nagigilty ka na manood ng sine, o kumain sa Jollibee, na alam mo na may maganditong gastusin sa bahay,
03:22.6
kailangan ng mama at papa mo, or kaya ng mga anak mo.
03:26.3
So, siguro, sir, this for backtrack lang tayo.
03:28.4
Sino ba talaga dapat ang may responsibilidad?
03:31.1
Sa mga magulang, di ba?
03:32.6
Lalo na yung mga aging parents, for example, magtepensyon na, or siblings na.
03:38.4
Actually, ang may responsibilidad talaga sa mga magulang ay sarili nila.
03:45.4
Real lang po nang punataba.
03:47.6
Unfortunately, dahil nga sa kahirapan natin dito sa Pilipinas, at siya pa sa hindi maayos na social welfare, no?
03:56.9
Bula sa gobyerno, ay naipapasa ang bigat ng iyan sa mga anak, no?
04:02.8
So, ako talaga, ang sagot ko diyan ay, sa totoo lang, responsibilidad natin ang sarili natin.
04:09.5
So, that goes to our parents, no?
04:13.0
Pero, when you find yourself in a position na kaya mo naman, at yung mga magulang ko ay may nanailaman,
04:20.1
bakit naman pag-alam mo naman?
04:23.8
Importante point yun.
04:27.4
And then, aside from the financial responsibilities of litigation, ay syempre nandyan din ang emotional and time pressures.
04:35.8
At emotional support and time pressures na dito kailangan natin imigay, no?
04:39.5
So, binamarriage na kaming stress from multiple caregiving roles.
04:44.8
Kasi nagka-alaga pa na ng anak mo na tinuturuan mo sa assignment niya, tapos magpapagamot ka pa doon sa mga magulang mo.
04:55.1
Sa mga serviceman, naisip ko dyan, kapag nasa second generation ka kasi, at bibigyan ng advice sa mga magulang mo,
05:02.5
it's always treated with emotions, di ba?
05:06.0
Kasi parang pwede sila maging defensive, and it happens a lot of times.
05:09.6
Na parang dahil lang sa ngayon, dependent na ako sa inyo, kailangan ko ng pag-alam.
05:15.3
So, even if it's coming from a good place, yung advice and guidance ng mga anak to their aging parents,
05:23.4
sometimes not received well.
05:26.2
At saka, ano na kasi, so nang to'o lang kapag tumatanda din ay medyo mas emotional sila, mas sensitive sila.
05:34.1
Ayun po, alam ko yun. At talagang sabi nga, gumabalik ka, di ba?
05:37.5
Mga ganyan, okay?
05:39.0
And then, of course, we want to try to find quality time for yourself and for your relationships around you.
05:47.2
And you want to cope with emotional demands from your family members.
05:52.3
Siguro, sir Vince, how do you find time?
05:54.6
Dahil siyempre, ikaw din, while mga pamangke, for example, at mga magulang, how do you find time to balance it all?
06:01.9
Actually, ang gagawin mo, kasi sa buto'o lang, at at the end of it all, ito naman ay para tayo ay sumaya, di ba?
06:09.7
So, ginagawa mo ito para sumaya tayo.
06:11.4
So, invest tayo ng oras sa mga gawain na makakapagpasaya sa atin at saka sa mga nakapalitid sa atin.
06:19.6
And talagang, ang gagawin mo rin dyan ay you have to find time for yourself first
06:26.4
before you can also give time to others.
06:29.2
Kasi kung hindi ka emotionally strong, hindi ka emotionally prepared, hindi ka headstrong,
06:35.4
or heartstrong, sabi nga ng mga atin, mga valuable players natin, ay ikaw din yung mahihirapan.
06:43.8
So, balance your career and personal life.
06:46.2
So, merong financial support, merong tayong emotional, tapos merong magkarirong na nila manage.
06:50.8
Diyos ko dahil, miramp naman, ano?
06:52.8
So, maintaining the job performance and maybe your family responsibilities.
06:57.5
Maghahatid ka ng estudyante sa paaralan, tapos meron ka pa ipaka-check up sa ospital,
07:04.5
at papasok ka pa.
07:08.1
And then, there's also limited, eh ngayon pa, nakakalimited ng opportunities for career advancement.
07:14.1
So, we really have to juggle work hours, caregiving, and household tasks.
07:22.7
And then, we also want to plan for our own retirement.
07:26.2
So, building a sufficient retirement.
07:30.2
Bakit ba yung tinawag ng nest egg siya?
07:32.7
So, tinawag siya ng nest egg kasi...
07:34.7
Actually, nakirius din ako dito, eh.
07:36.7
Kasi, bakit nga ba nest egg, ano?
07:38.7
Kasi, yung mga farmers pala...
07:40.7
O, ito muna. Totoo ito.
07:42.2
Yung mga farmers pala ay nag-iiwan daw ng itlog sa tinahim, no?
07:47.7
Kapag siya ay nanging itlog.
07:49.7
To encourage the hen to lay more eggs.
07:53.0
So, in a sense, parang kapag nag-iiwan ka ay magdadami.
07:58.6
Parang ganun yung chika niya.
07:59.8
Kaya pa na siya nest egg.
08:01.8
Yung malaki pala talaga dapat siya, no?
08:04.5
So, yan yung nest egg natin.
08:08.5
At yung nest egg natin ay ito yung ating tingitinan, no?
08:15.2
So, yung nest egg natin, it should be our net worth.
08:18.5
Net worth multiplier times monthly expenses.
08:22.1
So, ito nakikita ninyo ngayon, ano?
08:24.1
Mayroon tayong net worth multiplier dito.
08:27.2
So, ito yung tatanong natin kung magkano ba dapat yung neron ko?
08:31.7
Magkano ba dapat yung nest egg ko?
08:35.5
So, sir Vince, ang gagawin mo dyan ay yung monthly expenses mo.
08:39.5
Dapat alam mo yun, diba?
08:41.5
Imamultiply mo yun ng net worth based on your age.
08:45.3
Ito yung net worth multiplier, no?
08:47.3
So, kung mara ikaw, ilang taon ka na?
08:54.1
Thirty-four years old ka na.
08:56.1
Thirty-four years old ka na.
08:58.1
Ang net worth multiplier mo ay twenty-two.
09:02.1
So, twenty-two, pare, is your monthly expenses.
09:04.1
So, kung monthly expenses mo ay twenty thousand pesos.
09:08.1
So, dapat ang nest egg mo ay nasa four hundred forty thousand pesos na
09:12.1
by the time that you reach thirty-four years old.
09:16.1
Eh, ito lang sa real age mo.
09:18.1
Kung twenty-eight.
09:22.1
So, for a twenty-eight years old ka,
09:24.1
ang net worth multiplier dyan ay ten.
09:26.1
So, kung ang ginagastos mo,
09:28.1
eh, kung mara magastos ka naman,
09:30.1
fifty thousand pesos per month ang ginagastos mo.
09:34.1
So, fifty thousand times ten,
09:36.1
dapat meron kang five hundred thousand pesos
09:40.1
as your nest egg.
09:42.1
O, dito lang tayo sa mas pataas.
09:44.1
Yung mga tito natin.
09:46.1
Ito, sixteen lang.
09:48.1
Dito tayo sa mga forty-five.
09:50.1
Forty-four na yan. So, forty-four years ka.
09:54.1
Fifty ang kanyang net worth multiplier.
09:56.1
So, times the monthly expenses.
09:58.1
So, kung kung mara yung monthly expenses niya ay
10:00.1
twenty-five thousand pesos,
10:04.1
One point twenty-five million ka.
10:10.1
So, twenty-five thousand
10:14.1
one point twenty-five million.
10:16.1
Galing ko talagang.
10:20.1
So, we really have to plan for our retirement.
10:22.1
And we have to anticipate
10:26.1
long-term care needs.
10:30.1
in-ensure din natin ang ating financial stability
10:32.1
in our post-retirement years.
10:34.1
Ano yung long-term care needs?
10:36.1
O, yung mga long-term care needs
10:38.1
kasi natin, ito ay kapag nag-retire na tayo.
10:42.1
needs na binibigay natin
10:44.1
ng sandwich generation sa mga magulang.
10:48.1
attention, yung ating
10:52.1
yung ating daily needs.
10:54.1
These are our long-term care
10:58.1
So, ito yung mga dapat natin ang paplanuhan natin
11:02.1
the current na pinaproblema natin
11:04.1
ng ating mga anak at ating mga magulang.
11:06.1
Handa ka na bang lumevel up
11:10.1
Join the SEDPICA social community
11:12.1
and get started to be a social investor today.
11:16.1
Umattend ng self-paced online pre-membership
11:18.1
education seminar.
11:20.1
Mag-sign up sa bit.ly
11:22.1
slash sedpicooppmes
11:26.1
Step 2. I-deposit ang iyong initial
11:28.1
share capital, membership fee, at
11:30.1
joint venture savings sa GCash,
11:32.1
BDO Online Banking, BPI Online Banking,
11:36.1
or Direct Bank Deposit.
11:38.1
Daming options, di ba?
11:40.1
Sundi ng simple instructions sa bit.ly
11:42.1
slash sedpipay para makapagsimula.
11:46.1
Mag-login sa iyong SEDP
11:48.1
SRI online account at ipaalam
11:50.1
ang inyong deposit.
11:52.1
Go to bit.ly slash
11:54.1
sedpionlinesri at kami na
11:58.1
Ano bang inihintay mo?
12:00.1
Sali na sa SEDPICA Sosyo ngayon and let's start
12:02.1
building a brighter financial future together.
