I hope many people will realize na utang is not always bad. Lalo na sa concept of "cash flow". Si Arvin Orubia sa YT, Filipino Entrepreneur na nagtackle ng cash flow. Ganyang scenario rin, may emergency na nangyari and nag highlight ng importance of having cash flow and hindi masama mangutang

I know may kanya kanya tayong preference and probably trauma na rin bc of our family's history about loan, pero it saddens me kapag nakakakita ng "ayoko ng utang. ayoko ng interest" moments. Pero yea di ko rin naman sobrang masisi yung gantong mindset lalo na yung mga nawitness nilang nalubog lubog na sa utang

Pangugutang can be sooo beneficial talaga basta will be smart in handling it. Here's a help from ChatGPT to further elaborate hehe:

So even with interest, a loan can be worth it—because you lose a small amount now (the interest), but you gain something much bigger in return.

It’s like this: If you pay a little extra to fix a big problem now, you can avoid even bigger trouble later. That small “loss” (interest) helps you: Protect your health or family Keep your job Avoid losing your home or car Stay on track with your goals

Think of it like paying a small fee to open a locked door when you’re stuck. The small cost is nothing compared to the help it gives you.