notes on financial rules.

 these are going to be quite surprising.

- dapat "bayan" ka na if you think of buying your first home. hindi ka dapat piggy bank budget anymore.
- kung araw-araw pa budget mo, di ka pa ready bumili ng bahay!
- savers are still in school!
- 10% saving, is, you still live with your parents. dapat maka-50% saving ka if you invest well in yourself.
- don't retire with excess body fat. retire being fit in your body.
- you save 10% of your income if you're already rich.
- save up for emergency fund? sabi ko, dapat may unlimited emergency funds ka. dapat you earn above your means.
- if you want money for coffee every morning, dapat you make -extra- money just for the coffee. artisan coffee kasi yon. otherwise, mag-coffee ka na lang sa bahay.
- "own car" is supposed to be a gift from your parents. otherwise, dapat kuntento ka na lang mag-commute.
- no one understands bills unless they're already rich.
- if you have bills, may extra income ka na.
- if you have a complete budget (housing, groceries, electrical bills, medical bills), you better be making extra income already. otherwise, you still live under your parents' roof.