What you are sharing is definitely correct when it comes financial planning and financial maturity. But then I have noticed in your post is that emergency fund is optional. In fact, emergency fund serves as a protection for your investment to bleed in times of crisis or unforeseen events. Thus, it should be prioritize before investing in various investment vehicles. Well, if you are a grown up man with lots of responsibilities then you should consider this to keep you afloat and to not rely on loans or in credit card or worse in your crypto investments.


Yes pwede naman i enjoy, but it should be balanced. Enjoy your fruit of labor but  you also must have limits. I agree that experiences and material possessions are vital in life pero dapat occassionally. Remember that income is not the problem, but the spending habit. Income is limited but the expenses are neverending.