Want to level up your PowerPoint game?Join us for Present Better, a free workshop designed to help you create and deliver presentations that do more than look good — they connect, engage, and leave a lasting impact.📅 August 24, 2025🕑 2PM to 4PM📍 BHub, Burjuman Mall🎟 Free Event. Limited Seats Only! Register now via this link - https://forms.gle/UE862CU3wRJkqV7Z8Learn from Dr. Rex Bacarra as he shares practical tips and techniques you can use right away, whether you’re teaching, training, or presenting to clients.===He was a teacher who had nothing.No business.No inheritance.Not even a permanent home.For 5 years, he was homeless, sleeping in parks, walking miles just to survive.But somehow, he got out.And what he did wasn’t what you’d expect.In this episode, you’ll hear how Doc Rex escaped poverty not through shortcuts, but through a mindset shift that changed everything.📍If you’ve ever felt stuck, broke, or behind in life… this story is for you.
==
Connect with Dr. Rex https://www.instagram.com/the_philosopher_monk/
Follow PROANGAT by ProFriends FB Page https://www.facebook.com/proangatbyprofriends
📅 OFW in Dubai? Attend my first meet and greet event: https://lu.ma/f0vf3yrj 💸 Apply for Financial Coaching: https://tidycal.com/jayadriantolentino/apply-for-coaching
🎟️ Free event. Limited slots. Register now through this link - https://forms.gle/q6YWasLpLyzk8QqC6📍 Ostro Restaurant, Dusit D2 Kenz Hotel, Barsha Heights🗓️ July 25, 2025🕖 7PM to 10PM===Many OFWs think they have to choose between a stable career and their passion, pero what if you didn’t have to pick one over the other?In this episode, we explore how following your passion alongside your career can open unexpected doors.James Morales is a Cluster Assistant Marketing Manager at one of the world’s largest hotel groups—and a men’s fashion and lifestyle content creator who’s worked with brands like Nike, H&M, and Marks & Spencer.His journey shows how OFWs can build a meaningful personal brand, stay grounded in their day job, and still create space for passion, growth, and joy.This is for OFWs curious about reinvention, self-expression, and building a life you actually enjoy.Follow James Morales: https://www.instagram.com/jamesfeedstyleFollow PRO-ANGAT by Profriends FB Page: https://www.facebook.com/proangatbyprofriends/
✅ Register for Hyku's upcoming workshop: https://forms.gle/QN6DN7cti9WL4cgd9
📅 Schedule Your Financial Clarity Call with Kuya Jay: https://jayadriantolentino.com/financialclaritycall?video=jUWfedLfngE
============
At 19, Hyku Desesto dropped out of college and gave birth to her son on the day she turned 20. Not long after, she moved to Dubai—with a plan and a deep sense of purpose. By 22, she was running Hyku D Photography and working with global brands like Netflix, Louis Vuitton, Nestlé, and MAC Cosmetics.
Today, she's one of the most celebrated Filipina photographers in the UAE. She was awarded the Ten Outstanding Young Men (TOYM) honor in 2023, won Best Photographer at the Illustrado Women of Substance Awards, and received recognition in Netflix’s Girl Boss Campaign in 2022.
In this episode, Hyku opens up about what it really took to succeed early—sacrifice, self-doubt, and starting before she felt ready.We talk about money, motherhood, critics, confidence, and what she hopes her son remembers about her someday.If you’ve ever felt torn between survival and chasing your craft, this one’s for you.
============
Connect with Hyku: https://www.instagram.com/hytotheku/
Follow PRO-ANGAT by Profriends FB Page: https://www.facebook.com/proangatbyprofriends
📅 Schedule Your Financial Clarity Call: https://jayadriantolentino.com/financialclaritycall?podcast=howmuchdoyouneedtoretire
⬇️ Download the Retirement Calculator here: https://jayadriantolentino.com/resources?video=wgkzK1FTHRg
=========
Most OFs have no idea how much they really need to retire.In this video, I’ll walk you through the exact process I use with my clients to calculate their retirement number — using real-life data, simple projections, and zero fluff.✅ No guessing✅ Just a clear, practical way to know how much you need — based on your goals, lifestyle, and future location.===CHAPTERS:Step 1: 1:10Step 2: 2:43Step 3: 4:08Step 4: 6:34
Attend the next PRO-ANGAT event happening on May 23 : https://forms.gle/twcdgnacV5gXwpKa8📅 Schedule Your FREE Financial Clarity Call with Kuya Jay: https://jayadriantolentino.com/financialclaritycall
==She sells luxury for a living — but doesn’t believe in spending to impress.Meet Gweys Soriano, founder of Watch Girl Dubai, a Filipina entrepreneur in the UAE luxury watch scene.Her mindset?“Inisip ko, wala akong pera.”Even when she had money, she acted like she didn’t — and that discipline helped her succeed.In this conversation, we unpack:- How to spend on luxury without losing control of your money or values- How to dress with confidence — and which timepieces might actually grow in value- Gweys' practical philosophy on money, self-worth, and success
Book your clarity call today: https://bit.ly/3Gjhm8S
====
If you're earning ₱250K to ₱800K/month abroad but still feel stuck, this video is for you.You have savings, insurance, even investments—but deep down, you’re unsure where it’s all leading. You’re not alone. I call this The Clarity Gap—the space between earning well and knowing exactly what you’re building.CHAPTERS:Reason #1: 00:47Reason #2: 02:02Reason #3: 04:07Reason #4: 05:42Reason #5: 07:07
Book your free clarity call today: https://bit.ly/4jjeA1W
We’re about to lose ₱307,000… and we still don’t know if we should walk away.This isn’t a theory video. This is real.My wife and I bought a pre-selling Ayala condo in South Park District, thinking it would pay for itself over time.But now that turnover is approaching — and the numbers are in — we’re not so sure anymore.In this episode, I’ll take you inside:- The exact cash flow projections we ran (worst, average, best case)- How much we’d lose if we walked away today- What most condo investors don’t realize until it’s too late- And the psychology that keeps people stuck in bad investmentsIf you’re deciding whether to continue or cut losses, this might be the clarity you’ve been waiting for.
📢 Pro Angat Talks Free Registration: https://bit.ly/4iXa3BE
REGISTER NOW!
In celebration of International Women’s Month, PRO-ANGAT proudly presents its first event!
Join us for an inspiring panel discussion featuring successful Filipino career women who have mastered the art of thriving in competitive careers while embracing motherhood—all while living abroad. 💪
👩👧👦Wo-Moms Day: Balancing Ambition, Parenting, and Self
Hosted by Mariben Tan Eustaquio, alongside three impactful Filipinas excelling in different careers in Dubai: Mary Joy Laquihon, Dr. Mary Jane Alvero - Al Mahdi, & Louie da Costa
📅 March 23, 2025
⏰ 2:00 PM - 4:30 PM
📍 Lifestyle Area, Sari-Sari Store, Albwardy Investment BuildingGet ready for real stories, powerful insights, and practical strategies from women who have redefined success, resilience, and balance.
This is a FREE event! Secure your spot now!
🎁 Exciting raffle prizes & special gifts await! Limited to 50 participants—first come, first served!Stay tuned for more details! 💙
========================SKIP TO THE BEST PARTS:
====
Success isn’t just about talent.
It’s about resilience, tough choices, and staying true to your purpose.
Even when everything seems stacked against you.
In this episode, I sit down with my friend Mariben Eustaquio, founder of EZONE Business Setup Dubai, a mother of three, and a Board Director for the Philippine Business Council Dubai and Northern Emirates.
Her journey?
Nothing short of extraordinary.
From starting as an admin to leading a thriving company, Mariben built her success one decision at a time. But it wasn’t all smooth sailing.
She opens up about:
→ The defining moment that pushed her to start EZONE
→ Facing betrayal from her own employees—and how she rebuilt
→ Juggling motherhood and entrepreneurship without losing sight of her vision
→ Hard-earned lessons every business owner and working parent should hear
Mariben’s story isn’t just about business..
It’s about faith, resilience, and proving that women don’t have to choose between ambition and family.
This episode is powered by ProFriends as part of the Pro Angat Series, a platform that uplifts and empowers Filipinos to reach new heights in career, business, and life.
Listen in for a conversation packed with real talk, tough lessons, and the mindset shifts that drive lasting success!
--
Follow Mariben on instagram: https://www.instagram.com/maribeninthecity/
📅 Schedule Your Free Clarity Call: https://bit.ly/claritycallwithjay
⬇️ Download MYNE today: joinmyne.com
=========
If I were to start investing again in 2025, I’d keep it simple—no individual stocks, no hype, and definitely no get-rich-quick schemes.
I’ve made all the mistakes before—getting scammed, losing money in bad investments, and even falling for FOMO plays like Axie Infinity. But after years of trial and error, I’ve figured out a strategy that actually works.
In this video, I’ll share:
✅ How to Build a Solid Foundation Before Investing – So you can invest with confidence
✅ My Simple Investment Strategy Using a Globally Diverse Ireland-Domiciled ETF – For long-term wealth building
✅ The Biggest Investing Mistakes to Avoid – So you don’t reset your progress like I did
This is the investing strategy I wish I had followed earlier—no stress, no complications, just results.
CHAPTERS:
PART 1: Building A Solid Foundation: 02:21
PART 2: Simplify Your Investment Strategy: 11:23
PART 3: Avoid Common Mistakes
Recap: 41:17
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
==============================
Are you thinking about buying a condo in the Philippines? Before you make that big investment, watch this masterclass to avoid costly mistakes that could lose you hundreds of thousands!
In this video, I’ll walk you through:
✅ How to Gain Clarity on Your Condo Investment Goals✅ Planning Carefully Using the Hierarchy of Financial Needs✅ Doing Your Own Research to Protect Your Hard-Earned Money
CHAPTERS:
Gain Clarity - 05:28
Careful Planning (Hierarchy of Financial Needs) - 09:59
A sample Spending Plan - 14:57
Do Your Own Research (DYOR) - 16:19
→ AI Tools - 16:30
→ BSP’s RREPI and How to Compute for CAGR - 20:24
→ How to Check for Zonal Value - 22:40
→ Global Property Guide - 24:28
→ Location - 25:48
→ Property Developer - 27:17
→ Future Expenses - 31:28
→ Mortgage Calculator - 32:52
→ Reminder for Commission-Based Professionals - 34:20
→ Sample Future Spending Plan - 37: 30
→ How to Check for Inflation, Interest Rates and Exchange Rates - 39:23
Things to Avoid - 41:33
Experience of People I’ve Worked With - 45:53
The 2 Types of Investors - 47:40
==============================
LINKS
📅 Schedule Your Free Clarity Call: https://bit.ly/claritycallwithjay
📚Download My Free Resources: https://jayadriantolentino.com/resources
The Philippine real estate market is shifting, and condo owners and investors are facing a big decision—should you buy, sell, or hold your condo in 2025?
With an oversupply of condo units in Metro Manila (and other areas), declining rental prices, and increasing maintenance costs, knowing the right move can save or make you money.
In this episode, we run the actual numbers with Coach Efren Cruz, a financial planner with over 40 years of experience, to help you make a data-driven decision.
Whether you're a first-time condo buyer, a real estate investor, or a current unit owner, we break down:
✅ Buying a condo in 2025 – Is this the right time to invest, or should you wait?
✅ Holding your condo – Will your unit appreciate, or are you losing money?
✅ Selling your condo – Should you exit now before the market declines further?
Connect with Coach Efren: https://www.facebook.com/ask.a.friend.ask.Efren/
Watch on Youtube: https://youtu.be/RlI0jxy262g
--
📅 Schedule Your Free Clarity Call: https://bit.ly/claritycallwithjay 📚Download My Free Resources: https://jayadriantolentino.com/resources
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
—
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
--
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.
--
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:
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:
The meaning of "dying with zero"
How to balance saving and enjoying life
The concept of "memory dividends"
Importance of living with intentionality
Taking calculated risks while young
The benefits of giving generously while alive
Managing unpredictability in lifespan and health
Using "time buckets" to plan life experiences
Practical tips for work-life balance and fulfillment
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:
