Adulting

Making sense of personal finance in your 20s

Back in my second agency, our Boss then Carlo Ople invited his friend Randell Tiongson to give a talk about personal finance. This was around November in 2015, a few weeks before our 13th-month bonus gets released. I knew Randell Tiongson attends Victory Church, and I was interested in how he’ll take personal finance in the workplace and what products he would recommend.

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The one-hour talk became one of the most enlightening, genuinely caring, and not-selling-a-product talk about personal finance. I ended up buying his two books as thank you.

The same talk gave me the privilege and foundation years after. The discipline to prepare enough emergency cash during home quarantines, of having convenient options in case I lose a job, complementary cashflows to pay for international trips with Rog despite a stagnant 5-year salary drought, and the gut to risk 1-year without pay to take a Master’s program in AIM a few years back.

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