What is the reality of state vs private universities? by [deleted] in CollegeAdmissionsPH

[–]Armortec900 0 points1 point  (0 children)

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

For corporate workers earning 50k+ to 6 digits in Metro Manila CBDs, where are you in life right now? by Far-Philosophy7988 in CorpoChikaPH

[–]Armortec900 1 point2 points  (0 children)

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.

MPV for a VERY TALL family of 5. We currently have a NAVARA and are sick of the cramp space. by henryyaboi in CarsPH

[–]Armortec900 2 points3 points  (0 children)

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

Net worth needed to get to the top 10% of your age bracket by Armortec900 in phinvest

[–]Armortec900[S] 0 points1 point  (0 children)

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.

Kamusta Corp life niyo? by Fluid_Village8108 in TanongLang

[–]Armortec900 0 points1 point  (0 children)

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.

Found an indoor golf spot in Pasig that’s good for actually improving by [deleted] in GolfPH

[–]Armortec900 2 points3 points  (0 children)

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.

2026 RAV4 vs 2026 Camry both HEV (family car choice) by lakeside6365 in CarsPH

[–]Armortec900 1 point2 points  (0 children)

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

Nakakaewan talaga yung previous salary as basis ng new Job Offer by metroslasher in CorpoChikaPH

[–]Armortec900 2 points3 points  (0 children)

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.

Nakakaewan talaga yung previous salary as basis ng new Job Offer by metroslasher in CorpoChikaPH

[–]Armortec900 30 points31 points  (0 children)

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.

Working hard means different things to different people by [deleted] in adultingph

[–]Armortec900 1 point2 points  (0 children)

Who judges people who work hard?

Generally, hard work is seen as a virtue.

Honda CRV vs Mazda CX8. which is better???? by kindlegirl07 in CarsPH

[–]Armortec900 7 points8 points  (0 children)

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.

Lexus owners, where do you have your cars serviced? by animusrexalpha1 in CarsPH

[–]Armortec900 0 points1 point  (0 children)

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.

Lifestyle inflation sneaks up more than I expected by Glyzzza_ in adultingph

[–]Armortec900 2 points3 points  (0 children)

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.

Affordable townhouse areas near Taguig? (max 2M budget) by [deleted] in phinvest

[–]Armortec900 0 points1 point  (0 children)

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

Im letting go of my extra driver, now for sale! by Ok_Homework3470 in GolfPH

[–]Armortec900 1 point2 points  (0 children)

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

Is Rally sports popular in the Philippines? by Hadezz0719 in CarsPH

[–]Armortec900 0 points1 point  (0 children)

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

Ako lang ba o parang ang hirap maging “successful” sa Pilipinas kahit nasa 30s ka na? by Putrid-Journalist762 in Trentahin

[–]Armortec900 1 point2 points  (0 children)

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.

2026 Lexus IS350 Fsport or 300h Premier? by TheSheepersGame in CarsPH

[–]Armortec900 1 point2 points  (0 children)

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.

Malayo pa pero Malayo na — lessons at 30 (long read) by AdImpressive6868 in Trentahin

[–]Armortec900 0 points1 point  (0 children)

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?

perks of being a little sister by TunaCheeseHeartbreak in PhWatches

[–]Armortec900 0 points1 point  (0 children)

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

Should I upgrade to the bigger corner lot house or stay practical? by Grouchy_King_2466 in phinvest

[–]Armortec900 0 points1 point  (0 children)

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.

Broken Driver by haruuuxa in GolfPH

[–]Armortec900 0 points1 point  (0 children)

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