It has been my advocacy to teach as many people as I can about Personal Money Management, a topic that I did not encounter early in my life, and cost me dearly. I want to help as many Filipinos as I can, by teaching you the following: • Formula in organizing cash flow • How to make cash flow activities healthy • How to compute for your MAGIC NUMBER. • How to determine if you have too many obligations based on your lifestyle & cash flow • How to build an Income Replacement Fund • How to enjoy your money without the guilt • How to clear out debts systematically • How to build an emergency fund through your chosen bank • How to protect your assets, save on taxes and beat inflation long-term • How to determine if your money is stagnating • How to systematically save and invest and which instrument is best in the Philippines • How to compute for your child’s future college tuition fees