Money LifeJune 29, 2026
My Salary Kept Going Up. My Savings Did Not.
From ₱12,000 to ₱75,000 a month, I thought earning more would finally fix my money. What actually changed first was my lifestyle.
Richable Editors·7 min read
Start hereLifestyle inflation · Why retirement won't fund itself · The real cost of insurance · DYOR for beginnersIssue 01
Insurance
Do You Actually Need Insurance? Or Is It a Question of When?
I bought my first policy at 21 on a ₱12,000 salary. It lapsed within a year, and the relief I felt taught me something the sales pitch never did: the real question is not whether insurance is good, but whether you need it now.
Richable Editors·9 min
Insurance
Term Insurance vs Whole Life vs VUL: The Honest Filipino Guide
I used to sell VULs. I understand why they are attractive. But before choosing any life insurance product, you should know whether you are paying for temporary protection, permanent coverage, or investment-linked insurance.
Richable Editors·7 min
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I Spend ₱250,000 a Year on Insurance. Here Is the Thinking Behind It.
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Your Retirement Won't Fund Itself. So Who Will?
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Start Here
If you're just figuring this out
A short list of the decisions that quietly shape every other one. Begin anywhere.
- 01Money LifeBuild your first emergency fundWhy the 3–6 month rule fits Filipino life differently.
- 02Credit CardsUnderstand your credit card cycleWhat statement and due dates really mean for your wallet.
- 03InsuranceDecide if your insurance makes senseA quiet checklist for the policies you already own.
- 04Money LifePlan your 13th month payA simple split between spend, save, and invest.
- 05InvestStart investing without rushingThree questions to answer before you pick anything.
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Quiet little tools for the questions that keep coming up. No sign-ups, no upsells.
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