✅ Register for Hyku's upcoming workshop: https://forms.gle/QN6DN7cti9WL4cgd9📅 Schedule Your Financial Clarity Call with Kuya Jay: https://jayadriantolentino.com/financialclaritycall?video=jUWfedLfngE============At 19, Hyku Desesto dropped out of college and gave birth to her son on the day she turned 20. Not long after, she moved to Dubai—with a plan and a deep sense of purpose. By 22, she was running Hyku D Photography and working with global brands like Netflix, Louis Vuitton, Nestlé, and MAC Cosmetics.Today, she's one of the most celebrated Filipina photographers in the UAE. She was awarded the Ten Outstanding Young Men (TOYM) honor in 2023, won Best Photographer at the Illustrado Women of Substance Awards, and received recognition in Netflix’s Girl Boss Campaign in 2022.In this episode, Hyku opens up about what it really took to succeed early—sacrifice, self-doubt, and starting before she felt ready.We talk about money, motherhood, critics, confidence, and what she hopes her son remembers about her someday.If you’ve ever felt torn between survival and chasing your craft, this one’s for you.============Connect with Hyku: https://www.instagram.com/hytotheku/Follow PRO-ANGAT by Profriends FB Page: https://www.facebook.com/proangatbyprofriends

📅 Schedule Your Financial Clarity Call: https://jayadriantolentino.com/financialclaritycall?podcast=howmuchdoyouneedtoretire

⬇️ Download the Retirement Calculator here: https://jayadriantolentino.com/resources?video=wgkzK1FTHRg

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Most OFs have no idea how much they really need to retire.In this video, I’ll walk you through the exact process I use with my clients to calculate their retirement number — using real-life data, simple projections, and zero fluff.✅ No guessing✅ Just a clear, practical way to know how much you need — based on your goals, lifestyle, and future location.===CHAPTERS:Step 1: 1:10Step 2: 2:43Step 3: 4:08Step 4: 6:34

Attend the next PRO-ANGAT event happening on May 23 : https://forms.gle/twcdgnacV5gXwpKa8📅 Schedule Your FREE Financial Clarity Call with Kuya Jay: https://jayadriantolentino.com/financialclaritycall

==She sells luxury for a living — but doesn’t believe in spending to impress.Meet Gweys Soriano, founder of Watch Girl Dubai, a Filipina entrepreneur in the UAE luxury watch scene.Her mindset?“Inisip ko, wala akong pera.”Even when she had money, she acted like she didn’t — and that discipline helped her succeed.In this conversation, we unpack:- How to spend on luxury without losing control of your money or values- How to dress with confidence — and which timepieces might actually grow in value- Gweys' practical philosophy on money, self-worth, and success

Book your clarity call today: https://bit.ly/3Gjhm8S

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If you're earning ₱250K to ₱800K/month abroad but still feel stuck, this video is for you.You have savings, insurance, even investments—but deep down, you’re unsure where it’s all leading. You’re not alone. I call this The Clarity Gap—the space between earning well and knowing exactly what you’re building.CHAPTERS:Reason #1: 00:47Reason #2: 02:02Reason #3: 04:07Reason #4: 05:42Reason #5: 07:07

Book your free clarity call today: https://bit.ly/4jjeA1W

We’re about to lose ₱307,000… and we still don’t know if we should walk away.This isn’t a theory video. This is real.My wife and I bought a pre-selling Ayala condo in South Park District, thinking it would pay for itself over time.But now that turnover is approaching — and the numbers are in — we’re not so sure anymore.In this episode, I’ll take you inside:- The exact cash flow projections we ran (worst, average, best case)- How much we’d lose if we walked away today- What most condo investors don’t realize until it’s too late- And the psychology that keeps people stuck in bad investmentsIf you’re deciding whether to continue or cut losses, this might be the clarity you’ve been waiting for.

📢 Pro Angat Talks Free Registration: https://bit.ly/4iXa3BE

REGISTER NOW!

In celebration of International Women’s Month, PRO-ANGAT proudly presents its first event!

Join us for an inspiring panel discussion featuring successful Filipino career women who have mastered the art of thriving in competitive careers while embracing motherhood—all while living abroad. 💪

👩‍👧‍👦Wo-Moms Day: Balancing Ambition, Parenting, and Self

Hosted by Mariben Tan Eustaquio, alongside three impactful Filipinas excelling in different careers in Dubai: Mary Joy Laquihon, Dr. Mary Jane Alvero - Al Mahdi, & Louie da Costa

📅 March 23, 2025

⏰ 2:00 PM - 4:30 PM

📍 Lifestyle Area, Sari-Sari Store, Albwardy Investment BuildingGet ready for real stories, powerful insights, and practical strategies from women who have redefined success, resilience, and balance.

This is a FREE event! Secure your spot now!

🎁 Exciting raffle prizes & special gifts await! Limited to 50 participants—first come, first served!Stay tuned for more details! 💙

========================SKIP TO THE BEST PARTS:

• Raising Kids VS Growing A Business 03:05
• Getting 3 Majors and Being a US Stock Broker 04:18
• Coming to Dubai 15 Years Ago 08:42
• Why You Must Make Time for Your Kids 10:36
• On Starting EZone 13:01
• The Hardest Part When Starting A Business 19:16
• The Mindset Mariben Had From Being An Admin to Becoming A Director 21:17
• How She Raised Her Kids While Growing Ezone 25:10
• Being Betrayed By Her Trusted Employees and How She Bounced Back 31:48
• Why She Prioritizes Education for Her Kids 43:31
• Her One Biggest Lesson in Business 46:40
• What Legacy She Wants to Leave Behind 50:58

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Success isn’t just about talent.

It’s about resilience, tough choices, and staying true to your purpose.

Even when everything seems stacked against you.

In this episode, I sit down with my friend Mariben Eustaquio, founder of EZONE Business Setup Dubai, a mother of three, and a Board Director for the Philippine Business Council Dubai and Northern Emirates.

Her journey?

Nothing short of extraordinary.

From starting as an admin to leading a thriving company, Mariben built her success one decision at a time. But it wasn’t all smooth sailing.

She opens up about:

→ The defining moment that pushed her to start EZONE

→ Facing betrayal from her own employees—and how she rebuilt

→ Juggling motherhood and entrepreneurship without losing sight of her vision

→ Hard-earned lessons every business owner and working parent should hear

Mariben’s story isn’t just about business..

It’s about faith, resilience, and proving that women don’t have to choose between ambition and family.

This episode is powered by ProFriends as part of the Pro Angat Series, a platform that uplifts and empowers Filipinos to reach new heights in career, business, and life.

Listen in for a conversation packed with real talk, tough lessons, and the mindset shifts that drive lasting success!

--

Follow Mariben on instagram: https://www.instagram.com/maribeninthecity/

📅 Schedule Your Free Clarity Call: https://bit.ly/claritycallwithjay

⬇️ Download MYNE today: joinmyne.com

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If I were to start investing again in 2025, I’d keep it simple—no individual stocks, no hype, and definitely no get-rich-quick schemes.

I’ve made all the mistakes before—getting scammed, losing money in bad investments, and even falling for FOMO plays like Axie Infinity. But after years of trial and error, I’ve figured out a strategy that actually works.

In this video, I’ll share:

✅ How to Build a Solid Foundation Before Investing – So you can invest with confidence

✅ My Simple Investment Strategy Using a Globally Diverse Ireland-Domiciled ETF – For long-term wealth building

✅ The Biggest Investing Mistakes to Avoid – So you don’t reset your progress like I did

This is the investing strategy I wish I had followed earlier—no stress, no complications, just results.

CHAPTERS:

PART 1: Building A Solid Foundation: 02:21

• How to Calculate for the Future Value of Money: 02:44
• Risk Tolerance & Risk Capacity: 04:39
• Automate Tracking of Finances Using MYNE: 06:12
• Why You Need to Pay Off Your Credit Card First: 08:43
• Protect Yourself From Risks: 10:12

PART 2: Simplify Your Investment Strategy: 11:23

• Intro to Globally Diverse Ireland-Domiciled ETF: 11:53
• Tax Benefits of Investing in Ireland: 14:14
• Intro to ETFs: 16:09
• Intro to Vanguard LifeStrategy Fund: 17:27
• Why Reinvesting of Dividends is So Powerful: 17:56
• Stocks and Bonds 96-Year Performance: 19:03
• Why Not Invest in USA Only? 22:18
• The Impact of Fees to Your Investment: 23:00
• The Risks of Investing in Pag-Ibig MP2: 26:17
• The Risks of Investing in Global ETF's: 29:04

PART 3: Avoid Common Mistakes

• The Dangers of Timing the Market: 31:43
• Investing in Actively Managed Funds: 34:46
• Co-Mingling of Funds: 36:33
• Mismatch of Goals, Timeframe and Asset Class: 37:16
• Index Funds VS Active Funds: 39:25

Recap: 41:17

Download TapTap Send today:

🤖Google Play Store: https://bit.ly/3KCAmyq

🍎Apple App Store: https://apple.co/3qsTQii

Bonus of promo code KUYAJAY for 1st senders to PH:

UAE - AED 25US and Canada - $20UK - GBP 10EU - EUR 10

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Are you thinking about buying a condo in the Philippines? Before you make that big investment, watch this masterclass to avoid costly mistakes that could lose you hundreds of thousands!

In this video, I’ll walk you through:

✅ How to Gain Clarity on Your Condo Investment Goals✅ Planning Carefully Using the Hierarchy of Financial Needs✅ Doing Your Own Research to Protect Your Hard-Earned Money

CHAPTERS:

Gain Clarity - 05:28

Careful Planning (Hierarchy of Financial Needs) - 09:59

A sample Spending Plan - 14:57

Do Your Own Research (DYOR) - 16:19

→ AI Tools - 16:30

→ BSP’s RREPI and How to Compute for CAGR - 20:24

→ How to Check for Zonal Value - 22:40

→ Global Property Guide - 24:28

→ Location - 25:48

→ Property Developer - 27:17

→ Future Expenses - 31:28

→ Mortgage Calculator - 32:52

→ Reminder for Commission-Based Professionals - 34:20

→ Sample Future Spending Plan - 37: 30

→ How to Check for Inflation, Interest Rates and Exchange Rates - 39:23

Things to Avoid - 41:33

Experience of People I’ve Worked With - 45:53

The 2 Types of Investors - 47:40

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LINKS

📅 Schedule Your Free Clarity Call: https://bit.ly/claritycallwithjay

📚Download My Free Resources: https://jayadriantolentino.com/resources