Pera & Purpose Podcast

Apr 07 2024 4

Pera & Purpose Podcast artwork

Hosted by Jay Adrian Tolentino AKA “Kuya Jay”. He is a Financial Coach and Educator based in Dubai.

The aim of this program is to help every Filipino become debt-free, build wealth and use money as a tool to live a meaningful life.

Topics include proper money management, entrepreneurship, investments, and the stories of many notable individuals and personal finance personalities.

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139: The Trade-off Dilemma: Finding Harmony in Financial Choices

Apr 07 2024 29 mins

Picture this: you're eyeing the latest iPhone, shiny and alluring, priced at AED 5,500. It's tempting, right? But hold on a second. Twenty years down the line, that sleek gadget will be nothing more than a relic, while if you were to invest that same amount in a low-cost, globally diverse index fund, it could potentially grow to over AED 21,000!Life is a series of choices

138: The Hierarchy of Financial Needs

Feb 26 2024 35 mins

Managing money can feel like navigating a maze without a map.This confusion often leads to stress and poor financial decisions, as people grasp at any advice or product they come across. They might save money aimlessly or buy insurance they don't fully understand, influenced by ads or friends' advice. This approach lacks strategy and clarity, leading to missed opportuniti

137: Why Budgeting Doesn't Work for Many People

Feb 10 2024 30 mins

Are you tired of budgeting methods that leave you more frustrated than financially savvy?You're not alone.Many find traditional budgeting a puzzle that's hard to solve, with strict rules that don't fit real life.Today, we're breaking down why these methods fail and how they're actually holding you back.We'll introduce a new perspective on budgeting, Wi

136: Breaking Bad Money Habits

Jan 27 2024 25 mins

In today's episode, we focus on a crucial but often overlooked aspect of financial health - breaking detrimental money habits. As we venture into this year, it's time to shed those financial behaviors that hold us back from achieving our full potential. We'll dive deep into identifying these habits, understanding their impact, and exploring effective strategies to b

135: The Subtle Art of Limiting Your Desires

Jan 14 2024 15 mins

In your quest for financial freedom, you may find yourself trapped in a cycle of endless desires. This cycle often starts small, perhaps with a desire for the latest smartphone or a luxury car. But soon, these desires can inflate your lifestyle, leading to a situation where you're living paycheck to paycheck, despite a good income.---👋🏻 Connect with Kuya Jay on social me

134: Highs, Lows, Rants, Lessons & Realizations for 2023

Dec 30 2023 45 mins

2023 has been my most productive year yet.But it hasn't all been a bed of roses.It’s a year of highs, lows, rants, realizations and invaluable lessons.From Dubai Eye features to the tough decision of shutting down a business, this episode peels back the layers of life and personal finance.I'll share insights on time management, the true essence of wealth, and finding ha

133 - The Guide to Simple and Effective Investing

Nov 19 2023 36 mins

You're really keen on getting into investments, aren't you?I sense a strong interest and enthusiasm in you about this vital topic.Here's What You're Going to Discover- What investing is- The four primary types: cash, fixed-income, equity, and alternative investments. Each type comes with its own set of risks and potential rewards.- How economic movements can imp

132 - Read Your Way to Wealth: Essential Books for Financial Victory

Nov 05 2023 45 mins

In this special episode, we dive into a topic close to our hearts, one that was sparked by a request from a valued member of our community.This isn't just about the mechanics of money management; it's an exploration of the foundational wisdom that underpins lasting financial success.Why?Because the right foundation is everything.Just as a house built on sand is vulnerable

131 - How to Use AI for Financial Success

Oct 22 2023 33 mins

Ever wondered kung paano ka kikita ng bonggang-bongga, i-level up ang iyong budgeting skills, at wiser sa iyong investments gamit ang AI.I’m talking about Artificial Intelligence, or AI, at paano ito magiging game-changer sa iyong financial life!"AI? 'Di ba pang techie or big companies lang 'yan?"Saka parang ang complicated na topic, hahaluan mo pa ng personal

130: How to Live the Good Life Without Breaking the Bank

Oct 07 2023 30 mins

Akala natin, pag sinabing luxury, kailangan laging malaki ang gastos.Branded na damit, magarang kotse, laging kumakain sa labas.Glamorous sa tingin pero in reality, nakaka-stress 'pag nakikita mo ang bank statement mo, 'di ba?Marami akong naririnig na kwento from OFWs dito sa UAE na nahuhulog sa trap na 'to.Ang ending?Utang here, utang there, utang everywhere.Pero gu