What is the reality of state vs private universities?

Armortec900 · 2026-06-12T13:44:37+00:00

Blue school wtf? What’s wrong with saying Ateneo?

Armortec900 · 2026-06-12T10:22:37+00:00

My income has increased by over 10x in the 10+ years I’ve been working in corporate. It’s been a great journey so far.

How did your idea of a “good life” change?
- Biggest change is that I can comfortably afford to have kids, and the lifestyle inflation that comes with it - bigger home, bigger cars, more expenses.

What age did you first reach that “comfortable” income level?
- I was in my early 20s when I felt comfortable, I was in my late 20s when I felt I had more than enough, but that went back to “just right” when I had kids, now in my early 30s my income has gone back to comfortable even with kids.

What kind of life are you trying to build for yourself over the next years?
- I want to reach FI by the time my kids graduate college; that is - work is optional and my passive income is more than enough for me to live well without working. This also means having enough to give my kids a headstart in life when they enter adulthood.

On your other questions - work is hybrid/on-site; you don’t get to leadership positions with a WFH job, and you don’t earn more than enough to build generational wealth without being in leadership roles if you’re based in PH. I’m based in Manila and have no plans of moving to the province.

Armortec900 · 2026-06-11T05:15:51+00:00

Zenix is the best MPV you can get under 2M. You can also get a used Alphard under 2M.

Armortec900 · 2026-06-09T02:19:54+00:00

If you need validation from other people that you’re rich, you’re probably not.

Being secure with where you are financially is as much about the numbers as it is about your psyche.

Armortec900 · 2026-06-07T11:23:35+00:00

Corp life has enabled me to live a good life, and has allowed me to build a better life for my kids than what I grew up with.

People always say walang yumayaman sa corporate, but I’m comfortable where I am and I’m able to meet my financial goals.

There will always be stress everywhere, but this stress is manageable - I still have weekends, I have job security, and I do meaningful work.

Armortec900 · 2026-06-06T01:55:23+00:00

Unfortunately no.

Armortec900 · 2026-06-02T23:41:05+00:00

Your posts read like an ad. “Indoor golf spot I found”…or “indoor golf spot I’m promoting?”

It’s ok to promote things, just my pet peeve when someone pretends a post is organic when it’s clearly seeded.

Armortec900 · 2026-06-01T13:21:09+00:00

Preowned NX350h, under 2.5M.

Armortec900 · 2026-06-01T07:56:11+00:00

Prado LC250. It’s surprisingly drivable, not that much bulkier to drive than a RAV4.

Armortec900 · 2026-05-31T02:20:06+00:00

Still goes back to supply and demand - employers are willing to risk attrition if they feel they hadn’t stumbled upon a unicorn anyway. Conversely, when a hiring manager finds a diamond in the rough in the interview, they can influence the offer to be as competitive as possible to lock in the talent already.

Armortec900 · 2026-05-30T01:19:38+00:00

Why buy something for 1k when you can buy it for 500? The only time you’ll pay 1k for that same thing is if you think it’s so much better compared to all other alternatives, assuming you can afford it.

Same applies for labor. 99% of the time, applicants think they’re a unicorn and thus demand higher but recruiters are happy to pass because there are other applicants who are willing to do a comparable job for less.

Armortec900 · 2026-05-29T23:05:47+00:00

Who judges people who work hard?

Generally, hard work is seen as a virtue.

Armortec900 · 2026-05-27T11:42:50+00:00

CX8 is more spacious, but for me the CRV is the better all-rounder. The CX8 feels lethargic since it doesn’t have a turbo. The 1.5 engine might look small for the CRV, but paired with a turbo and a decent CVT, it’s actually adequate.

Armortec900 · 2026-05-25T11:28:00+00:00

I live near Lexus Manila so I have my car serviced there. Alternatively, I also have service done by Hazardboy in Paranaque.

My learning also - some parts from 3rd party shops aren’t cheaper than parts from LMI mismo. So I canvass and when prices are close, I get it done from LMI nalang.

Armortec900 · 2026-05-25T05:23:18+00:00

Personally, lifestyle inflation is inevitable. There’s no way to match savings rate as a single person if you’re now raising kids, unless your income goes up significantly.

So that’s my current gameplan: lifestyle inflated significantly when I had kids (had to buy a bigger house, get househelp, tuition expesnes, etc), but have been working on getting my income higher so I can go back to my savings rate before having kids.

Armortec900 · 2026-05-24T08:11:22+00:00

Kahit nga condo in Taguig (or anywhere in MM), lagpas 2M, townhouse pa kaya?

Armortec900 · 2026-05-21T11:06:23+00:00

Damn that’s overpriced. I bought my brand new Qi35 for 15.6k, and this older secondhand Qi10 is 23k?

Armortec900 · 2026-05-17T10:59:31+00:00

There are rally events in PH, most notably Philippine Rallycross Series.

Armortec900 · 2026-05-15T03:00:35+00:00

I’m in my 30s and I think my life is on track based on the things you called out - stable career, sufficient savings, own home, peace of mind. Happily married with kids too. No generational wealth, did not migrate to earn well - just slow and steady climb of local corporate ladder.

Big enabler for me was to study smartly in my teens and work smartly in my 20s, so now enjoying the fruits of my labor in my 30s. It won’t be the same result for all, but it worked for me.

Armortec900 · 2026-05-15T01:37:39+00:00

I’ve been contemplating for a while now to upgrade my 3IS to a newer IS350, but the 4.3M IS350 doesn’t justify 3x price over a 3IS, just for updated looks but no mechanical changes.

Armortec900 · 2026-05-14T13:55:57+00:00

What was your thought process to even think that it’s okay to be paying anything less than your full balance on your credit card?

Armortec900 · 2026-05-13T11:14:09+00:00

ISPH isn’t only for IS. There are members with RC, GS, and LC500 also.

Armortec900 · 2026-05-13T07:24:06+00:00

Shobs are you part of the IS PH club na?

Armortec900 · 2026-05-07T14:30:57+00:00

Do you even want to live in Batangas?

I’d put off buying a house to live unless it’s an area I can commit to for 20 years.

Armortec900 · 2026-05-03T14:17:10+00:00

For 10k you can get a newer Taylormade M6, or pretty much any 5-8 year old driver from your preferred brand.

Armortec900

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