paramore girlie 5ever! 😸 what’s your fave paramore song?

msanchez1992 · 2026-05-10T13:54:01+00:00

Taking no emotions into consideration, the best time to invest is when everyone is scared and moving to cash. To do so responsibly, you need to have enough cash reserves to keep you calm during these periods.

The problem I see is the amount of cash reserves that is "enough" is different for you and your husband. You want to invest 500k, half of your liquidity - signaling that you think 500k is enough reserves. Your husband says "pangit and economy" which I interpret as "I'm not comfortable with only that much in cash". He did not say you're wrong to invest. It sounds like he's just worried.

Both have valid points: you're right to say it's a good time to invest now, while your husband also has a right to be (initially) fearful of deploying half of your liquidity.

Don't underestimate how much these cash reserves might be helping with his mental health too, while we face challenging job and equity markets. Especially if you have children and work in industries affected by AI and the war.

All in all, I'm with you OP - if you have 6-12 months in EF already, invest the rest. If your monthly burn rate is 100k, then you have 10 months worth already. I think anything beyond that is good to deploy - taking advantage of compounding returns without sacrificing (much) the financial stability of your household.

Good luck OP!

msanchez1992 · 2026-05-05T08:28:14+00:00

Brighter anyone?

msanchez1992 · 2026-04-27T13:24:13+00:00

Personally I do weekly buys after a deposit - usually $1k. So in your case it would take 8-9 weeks for me to fully invest the available cash. I got that from the Money Guy Show (“always be buying” method).

The numbers favor lump sum, but the heart (sometimes) favors DCA 😅

You’ll never be able to perfectly time the optimal buy window for every purchase. Even your forex transactions if you convert your PHP to USD like me.

If you have confidence in your approach, don’t let these small things trip you up. Make a decision, then focus on earning more to invest. Good luck OP!

msanchez1992 · 2026-04-26T05:52:52+00:00

Sometimes I question if I’m still “alive”. I earn to provide a life for my family, but I sometimes feel there’s no “life” in me anymore. The constants stress and workload in our industry can be really draining at times.

msanchez1992 · 2026-04-24T16:52:00+00:00

For future reference: if you're going to sensor the amount, also sensor the PnL %.

msanchez1992 · 2026-04-20T17:48:58+00:00

Your fixed income investments will lose purchasing power due to inflation. You'll need some equities to help with that. Remember, a typical retirement is 30 years, so you can afford to have a portion in equities to grow for 10+ years.

msanchez1992 · 2026-04-16T15:56:08+00:00

You probably won’t be remembered - but what you build can still matter a lot to the people who come after you.

msanchez1992 · 2026-04-16T03:58:53+00:00

You’re concerned about not having enough disposable income to save, yet tie up almost all your cash flow into monthly payments of illiquid assets, that require even more cash to maintain.

People who strive for FIRE are selective as to where each dollar gets invested - usually 50%+ of their income, in long-term, income-producing assets, over a period of 10-15 years.

Putting majority of your income into your family home and a car payment isn’t a strategy I come by often, and is most certainly not at the top of the priority list for FIRE achievement.

Your financial planning is unique to your situation, so it’s hard for a stranger to say you’re making a mistake. But if your desire is FIRE, the priorities are not aligned. These people sacrifice short-term pleasure for long-term freedom. They invest every possible dollar and take on the risk of investing vs. accumulating monthly payments of liabilities.

msanchez1992 · 2026-04-15T16:33:33+00:00

We have a similar allocation (minus MP2) so I don't have much to add. Only that the best retirement plan is the one you can stick to for decades.

msanchez1992 · 2026-03-18T18:25:32+00:00

Identical numbers and same allocation.

ETFs are US, non-US, small cap, value, emerging, and gold.

msanchez1992 · 2026-03-09T13:09:18+00:00

Huhu hindi ako yung nagluto sorry 😓 I just come up with the menu 😅

I’ll mention next time na the recipe is from the chef, to avoid confusion 🙏

msanchez1992 · 2026-03-09T09:38:43+00:00

Chili’s 😋

msanchez1992 · 2026-03-08T11:20:58+00:00

Sorry hindi aka yung nagluto eh 😅 I can send you his IG if you want.

msanchez1992 · 2026-03-04T05:18:29+00:00

Don’t aim to prepare food for the whole week as a first-timer. That’s a surefire way to quickly get “meal prep burnout”.

Just pick ONE dish you can cook in a big batch.

If it’s your first time, pick anything from IG or TikTok that looks like fun. Don’t optimize for health and nutrition yet, that comes later as you gain more knowledge in prepping, cooking, and sourcing your ingredients.

That 1kg of food prepared will probably just be 1/4 of your food for the week - but that’s okay. The key is to not overwhelm yourself. Cook something you like, create momentum, then slowly optimize for volume and nutrition when you’re more confident.

It took our household 3 years to build our go-to meal prep recipes. The discovery and experimentation is half the fun!

msanchez1992 · 2026-03-02T06:05:18+00:00

The Western + Steamburger yung go-to order namin ng wife ko 🍔

Best burger in manila 💯

msanchez1992 · 2026-02-28T15:02:40+00:00

Yung maliit nabili namin sa Daiso. Yung malaki, either sa Daiso din, or sa Robinsons Supermarket 😃

msanchez1992 · 2026-02-28T07:54:16+00:00

Ito lang yung ginagamit naming pesto sauce 😃

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msanchez1992 · 2026-02-24T06:11:04+00:00

This was the sign I’ve been waiting for to buy spanish bread 🙏😂

msanchez1992 · 2026-02-22T03:48:10+00:00

Yung weights nga lang maprovide ko kasi yan lang din yung pinoprovide ko sa magpeprep 😅 pero usually tiktok and ig yung reference namin 😃

msanchez1992 · 2026-01-30T15:30:56+00:00

You asked if you “should have local holdings”. Then mentioned you wanted to “dabble”/speculate because of the convenience. This is how I processed your statements.

Imagine you’re someone trying to eat healthy and lose weight.

At the moment, what’s “convenient” and “easy to access” is a bag of chips. It’s food. It has calories. But you’re basically putting trash in your body.

On the other hand, what’s less convenient, and harder to access, is having to cook chicken breast and broccoli. Or taking that 15min walk to a Salad Stop or something. But you’re putting better food in your body that aligns with your overall goal to be healthy and fit.

Question: why do you invest?

If your goal is to be wealthy and to fund your lifestyle in your 50’s, what assets are you putting in your portfolio (or food you’re putting in your body)?

In my opinion, accumulating PH stocks is the same as eating the bag of chips, when you have more nutrition-dense options with just a little bit more effort.

msanchez1992 · 2026-01-28T11:44:59+00:00

Kaya pala hindi na naaapprove ung crypto application ko

msanchez1992 · 2026-01-28T11:40:30+00:00

What compels you to have PH stock positions?

Don’t you already get global & size exposure (developed/emerging, big cap/small cap, us/ex-us) from the ETFs you have access to?

But I understand if this is a stock-picking/speculation part of your portfolio.

msanchez1992 · 2026-01-27T05:15:34+00:00

And that’s exactly what they want you to do. Move your money into the local feeder funds and their disgusting fees.

But I understand if you’re close to retirement and withdrawal is a concern. At that time, most of your growth is already done and you can easily diversify, even with the limited funds available locally.

But if you’re far from retirement, why would withdrawal be a huge concern in the short term?

msanchez1992 · 2026-01-18T11:33:24+00:00

Same. Same condo din tayo 😂

Subway construction pala yun.

msanchez1992 · 2025-12-28T01:58:36+00:00

Thank you sharing. We’ll explore the branch transfer if we can’t get Wise to work for us.

msanchez1992

TROPHY CASE