Metro Manila’s condominium market is facing an unprecedented challenge: an oversupply of units has left buyers, investors, and developers grappling with uncertainty. In this video, we’ll uncover the factors behind this crisis and explore what it means for property owners, potential buyers, and the overall real estate market.

Joining us is Dr. Ben Lebig Jr, a financial planning expert, entrepreneur, and author of TRENDING UP: Expat’s Guide in Building a Strong Foundation on Investments. As the founding chairman of the Association of Registered Financial Planners UAE Chapter, Dr. Lebig has guided countless individuals, especially expatriates, in making informed financial decisions and achieving wealth-building goals.

With his expertise and actionable insights, Dr. Lebig will help us understand:

- Why this oversupply happened [03:45]

- Mis-selling of a lot of agents to OFW's [09:12]

- The Dangers of Condo Flipping [13:10] - Is the market crashing? [13:54]

- How to navigate this situation [16:42]

- Great locations for short-term leasing [22:01]

- Importance of having an Emergency Fund [26:07]

- Are there opportunities now that are similar to what happened during pandemic [27:42]

- Dangers of Pasalo Units [29:37]

- Should you go for the condos now or those that are pre-selling [32:41]

- Ben's CONDOMINIUM Checklist [35:50]- Closing message [45:35]

Connect with Ben:

LinkedIn:

Instagram:

Buy his book Trending Up: Expat’s Guide In Building Strong Foundation On Investments:

LINKS

📅 Schedule Your Free Clarity Call: https://bit.ly/claritycallwithjay

📚Download My Free Resources: https://jayadriantolentino.com/resources

📚Watch on YouTube: https://youtu.be/RFDhF5-kavI

In this video, I react to a heartfelt compilation of retirees sharing their biggest financial and life regrets. From the importance of saving early to the lessons learned from health and career decisions, these reflections offer valuable insights for anyone planning for their future. Discover the common mistakes retirees wish they could undo, like cashing out retirement accounts prematurely, neglecting health, or underestimating the challenges of retirement life.

If you’ve ever wondered how to secure a regret-free retirement, this video is a must-watch. Let’s learn from their experiences so we don’t make the same mistakes. Whether you’re just starting your career or nearing retirement, the wisdom in these stories can guide you toward a better financial future.

Video credit to Business Insider watch it here: https://www.youtube.com/watch?v=hbMRv19SkXY&ab_channel=BusinessInsider

LINKS

📅 Schedule Your Free Clarity Call: https://bit.ly/claritycallwithjay

📚Download My Free Resources: https://jayadriantolentino.com/resources

🍿Watch on Youtube: https://youtu.be/Ppn2MXi2nNU

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WHO AM I?

Jay Adrian Tolentino AKA “Kuya Jay” is a Financial Educator and Financial Coach based in Dubai, UAE.

He helps UAE expats save, budget, invest and live life in their own terms thru Financial Education and Coaching.

He gained his expertise after experiencing financial pitfalls such as getting scammed, buying unnecessary and expensive financial products, losing money due to improper investment strategies, and accumulating debt in his first year as an expat.

His passion for Financial Literacy has made him a trusted person on money matters. He has delivered talks to various organizations, companies, and universities.

In 2020, Jay was invited to speak at the Philippine Congress about a national issue that would impact the financial situations of Filipinos living abroad.

Today, he hosts the Pera & Purpose Podcast, which teaches people on how to use money as a tool to live a meaningful life.

How often do you set financial goals, only to feel overwhelmed or lose focus along the way?

It’s not that you lack ambition—it’s that most goals fail because they’re not built on a clear vision or a solid plan.

In today’s episode, we’re diving into the strategies that can change that.

What You’ll Learn in This Video:

✅ Impossible, Possible, Probable and Given - 3:13

✅ How to create a compelling financial vision - 7:30

✅ The Have-Do-Be exercise for clarifying your dreams - 8:00

✅ Crafting Long and 3-Year Visions - 13:00

✅ Sharing my personal vision - 14:15 ✅ Prioritizing your goals based on your Wealth Stage - 17:00

✅ Writing SMARTER goals for success - 25:2

1Bible Verse: 30:22

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LINKS

📅 Schedule Your Free Clarity Call: https://bit.ly/claritycallwithjay

📚Download My Free Resources: https://jayadriantolentino.com/resources

Tired of making financial resolutions that fail?

88% of resolutions don’t even make it past two weeks, especially when it comes to money.

But there’s a better way!

In this video, I will show you why resolutions fail and share the 5-step Payday Checklist that helped me:

- Pay off debt

- Build an emergency fund

- Start investing

- Grow my net worth by 30% in just one year!

What You’ll Learn:

1. The 3 reasons why financial resolutions don’t work, including unrealistic goals, restrictions, and relying on willpower alone.

2. How to replace resolutions with a practical Payday Checklist.

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Download my Intentional Spending Plan: https://jayadriantolentino.com/resources

Download TapTap Send today:

🤖Google Play Store: https://bit.ly/3KCAmyq

🍎Apple App Store: https://apple.co/3qsTQii

Bonus of promo code KUYAJAY for 1st senders to PH:

UAE - AED 25US and Canada - $20UK - GBP 10EU - EUR 10

In this episode, we explore the growing trend of DINK couples—those who are Dual Income, No Kids—and how this lifestyle is reshaping traditional ideas about family, finances, and fulfillment.

Our special guest, Sharday Filio, a seasoned marketing and public relations professional based in Dubai, shares her experience of choosing a child-free life with her husband, Jeremy. Married since 2021, they’ve embraced a lifestyle that prioritizes freedom, flexibility, and pursuing their shared passions, like traveling.

WHAT YOU’LL LEARN:

• Advantages and challenges of the DINK path
• Tackling questions about societal pressure, financial planning, and personal fulfillment.
• How does living child-free impact their goals?
• What lessons can we learn from this growing trend?

Connect with Sharday: https://www.instagram.com/shardraco/

Join our community: https://whop.com/peraandpurpose/

We often view wealth-building as securing our future, but what if you never get to enjoy it?

This episode explores the philosophy from Bill Perkins' Die With Zero, which encourages aligning your resources with meaningful experiences. Rather than saving everything for later, Perkins argues that true wealth is found in experiences, not just in money. We'll dive into how this mindset can lead to a more fulfilling life, avoiding the trap of working too long and missing out on joy and opportunities.

What You'll Learn:

1. The meaning of "dying with zero"

2. How to balance saving and enjoying life

3. The concept of "memory dividends"

4. Importance of living with intentionality

5. Taking calculated risks while young

6. The benefits of giving generously while alive

7. Managing unpredictability in lifespan and health

8. Using "time buckets" to plan life experiences

9. Practical tips for work-life balance and fulfillment

10. How to avoid oversaving and maximize life experiences

    
    

Join the community: https://whop.com/hub/peraandpurpose/

Christmas is the most wonderful time of the year, pero madalas, ito rin ang panahon ng "overspending."

Pagkatapos ng holidays, ang daming nauuwi sa utang dahil sa impulsive shopping at di-planadong gastos.

Ayon sa Bangko Sentral ng Pilipinas, ang household consumption ay tumataas tuwing fourth quarter dahil sa holiday spending.

Sa podcast na 'to, pag-uusapan natin ang mga simpleng paraan para mag-enjoy sa Pasko nang walang financial hangover.

By the end of this episode, you'll learn how to take control of your holiday spending para ma-enjoy ang Pasko ng walang financial stress.

Join our community for free: https://whop.com/peraandpurpose/

Many Filipinos struggle to build wealth, not because they aren't working hard, but due to cultural expectations around money.

In the Philippines, finances are closely tied to family and community, often leading to pressures that keep people financially stuck.

Obligations like supporting extended family or maintaining appearances can hurt financial health.

This episode explores how these cultural norms prevent financial freedom and offers ways to shift your mindset, so you can use money in a way that serves you, rather than being controlled by societal pressures.

🧠What You’ll Learn:

• The impact of utang na loob and pakikisama on financial stability

• Historical and cultural roots of these practices

• Balancing cultural values with financial responsibility

• Practical steps for managing cultural expectations

📢Join our Community: https://whop.com/peraandpurpose/

Download TapTap Send today:

🤖Google Play Store: https://bit.ly/3KCAmyq

🍎Apple App Store: https://apple.co/3qsTQii

Use promo code KUYAJAY to get:

• UAE - AED 25
• US and Canada - $20
• UK - GBP 10
• EU - EUR 10