“Mayaman ka na pero”
Here are some facts about me in terms of how I view wealth.
Gaano ba kayaman ang mayaman sa Pilipinas?
“According to the Philippine Institute for Development Studies (PIDS):
– a lower middle class has a monthly income between PHP21,194 and PHP43,828,
– a middle class between PHP43,828 and PHP76,669,
– an upper middle income between PHP76,669 and PHP131,484, and
– a high-income (but not rich) class between PHP131,484 and PHP219,140.
– You are considered rich if your monthly income is at least PHP219,140 and up.”
Kung kumikita ka ng Php220K/month, considered ka ng mayaman sa Pilipinas.
There are some principles that I hold on to with regard to money:
1) “Mayaman ka na pero hindi ka nagpapautang.”
Masakit kasi sa loob maningil. If I were to suggest, create a “Give” fund which you can use to “lend” or “give” to someone asking you for money. This fund is something you can afford to lose, for the sake of empathizing over your friend or relative’s situation, and simply because you care.
2) “Mayaman ka na pero naghahanap ka pa rin ng discounts or sale.”
Kapag ba yumaman ka na, hindi ka na ba pwede maghanap ng “sulit” or “promo” stuff? Syempre hindi naman. Meron ka lang talagang capacity to afford things even if they were not discounted at all. Pero wala naman masama maghanap ng sulit at quality na produkto o service.
3) “Mayaman ka na pero hindi halata.”
Kaya ko naman talaga bumili ng branded. Pero sa totoo lang, mas gusto kong damit ay plain o walang brand. Mas gusto ko na kaya ko mag”blend in” kahit saan na hindi kailangang maging center of attraction dahil sa dami ng alahas o sobrang garang damit o sasakyan. Mainit pa nga sa mata kapag ganyan.
4) “Mayaman ka na pero nagsisikap pa rin.”
Kasi hindi naman money ang habol mo na. Oo dati pera. Para may savings ka, may sariling bahay, lupa, etc.
Pero as you accumulate wealth, nagiging “expert” ka na sa field mo. In my situation, I am laser focused on trading. I will trade until I’m granny taking care of cats. Nagsisikap pa rin ako kasi gusto ko. Kasi may capabilities pa ako. Kasi bata pa’ko, marami pa’ko magagawa sa buhay.
5) “Mayaman ka na pero walang nakakaalam.”
Privacy means so much to me. Na hindi ako nakikita ng mga tao as a walking ATM. Na may real friends ako na hindi dahil sa mapera ka kundi dahil sa genuine friendships.
Para sa akin, mas okay ang tahimik na buhay.
6) “Mayaman ka na pero kumakain ka pa rin ng isaw at kwek-kwek.”
Eh kasi masarap. Hindi kailangang pobre ka para kumain niyan. Kahit alta ka pa o maykaya, basta masarap kahit mura okay lang ‘yan. Hindi naman dapat magbago buhay just because you are now rich. Capable ka kumain sa Vikings anytime. Capable ka rin huminto sa isang barbecuehan para kumain.
7) “Mayaman ka na pero hindi ka pa rin mayabang.”
Kasi ang pera nilalagay sa bulsa hindi sa utak. Kasi ang bawat tao – mayaman o mahirap – may purpose sa buhay. Oo malungkot isipin that respect is given according to your level of wealth. Pero sana hindi ganun. Sana hindi natin gamitin ang pera para lang iyabang.
Money gives us choices. And whether or not we choose to upgrade our lives or remain living simply, it’s all up to us. Money enables choices.
I hope money makes us better persons.
Original article posted on 5 January 2025
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