Plan With Ranny - Financial Coach

Good morning! Tara, Breakfast po tayo! ☕

While Explaining Retirement Fund in a Pancit Canton way. 👇🍜

Ganito sya friend.

Let's just say an instant Pancit Canton is P25/pc by the time you retire:

P25 x 3 meals a day x 365 days in a year = P27, 375
P27, 375 x 20 years retirement age = P547, 500.

Kalahating Milyon na, Pancit Canton pa lang 😱😏
Eh may asawa ka? One million pesos na! Eh pano pa kanin, gas/kuryente pangluto, pamasahe, other groceries, gamot?!

See friend, why not stretch and maximize your earnings today habang bata at malakas ka pa?

Start your savings plan now, para naman yung Pancit Canton mo may kasamang itlog at sausage.🫶🏻

Haaay kagutom diba 🤤

Goodmorning! 🤝🏻

💡 Alam mo ba pag earning ka 30k per month

You need 3.6 million life insurance

Pag 50k

You need 6 million life insurance

Paano na-solve?

Rule of thumb formula:
(Your Annual Gross Income) x (10 years)

Bakit 10 years?

If something happens to you,
secured na ang 10 years ng pamilya at mga anak mo. They can recover agad and continue their lifestyle. 🤗

If need mo ng ganyan kalaki na Life Insurance and you are healthy,

Message me and I will help you.

Happy Thursday😉 🤝🏻

Engr. Ranny Dela Cruz
Licensed Financial Advisor of Manulife Philiipines

Your Energy Matters

To anyone who needs to hear this,

Your presence has weight. The way you show up—the light, the love, even the silence—shapes the people around you. Never think your energy is unnoticed. It comforts, inspires, and sometimes heals more than words ever could.

So guard your peace. Protect your spirit. And when the world feels heavy, remember: you matter, and so does the energy you carry into every space you enter. 🌿✨

With care,

Open letter☀️

You arrive as a gentle reminder that I am bound to create beautiful and meaningful things. In your days, I find a quiet invitation to believe—not just in what is yet to come, but in who I am becoming.

You carry both endings and beginnings, teaching me that change is not something to fear, but something to embrace. Every sunrise you bring whispers of fresh hope, and every sunset reminds me to trust the process, even when it feels uncertain.

This month, I choose to believe in the seeds I’ve planted, in the unseen progress taking place, and in the quiet power of faith and perseverance. I welcome your days with open hands and an open heart, ready to create, to grow, and to keep moving forward with purpose.

So, September—be kind, be gentle, and may you be filled with meaning.

Alliswell✨

𝑮𝒍𝒐𝒘 𝑾𝒊𝒕𝒉 𝒕𝒉𝒆 𝑺𝒕𝒂𝒓𝒔 2025 𝓐𝔀𝓪𝓻𝓭𝓮𝓮🏆

𝑷𝑨𝑮𝑩𝑨𝑻𝑰!
Ikinagagalak kong muling maging bahagi, sa ikatlong pagkakataon sa loob ng tatlong taon ng aking paglilingkod bilang Financial Advisor, ng prestihiyosong “𝑮𝒍𝒐𝒘 𝑾𝒊𝒕𝒉 𝒕𝒉𝒆 𝑺𝒕𝒂𝒓𝒔” ngayong Agosto 30 sa Manila Hotel! ⭐️✨

Ang pagkilalang ito ay patunay ng masigasig na paglilingkod mula Enero hanggang Hunyo 2025.

Lubos ang aming pasasalamat sa lahat ng naging bahagi ng tagumpay na ito—lalo na sa aming mga kliyenteng nagbigay ng tiwala at naniniwala sa aming misyon bilang kanilang katuwang sa larangan ng Pinansyal na Pagtataguyod. ❤️️

✨

HAPPY THURSDAY 💚⬆️ Hello Baby Pancho🐶
𝗪𝗼𝗿𝗸 𝗮𝗻𝗱 𝗟𝗶𝗳𝗲 𝗧𝗶𝗽𝘀 𝗳𝗼𝗿 𝗘𝘃𝗲𝗿𝘆𝗼𝗻𝗲:

1. Balance Work and Family: Don't spend all your time at work. Make time for your loved ones; work will continue without you.
2. Excel at Your Job: Focus on becoming excellent at your job rather than just chasing promotions. Success will follow if you're great at what you do.
3. Avoid Negativity: Steer clear of gossip and negative talk about colleagues and bosses. Keep a positive environment.
4. Start a Side Hustle: Your salary may not be enough later on, so consider having a side hustle or business.
5. Automate Savings: Save money by having it automatically deducted from your paycheck.
6. Borrow Wisely: If you borrow money, use it for important things like starting a business or improving your situation, not just luxury items.
7. Maintain Personal Boundaries: Keep your personal life separate from work. Establish and maintain boundaries.
8. Early Retirement Planning: Plan for early retirement from the start of your career. Consider retiring around 40 to 50 years old.
9. Build a Support Network: Join work-related groups that can provide assistance
when needed.
10. Start a Project Before Retirement: Begin a project while still working. If it doesn't succeed, try again. Successful projects can be a foundation for retirement.
11. Pension for Personal Care: Remember, pension money is for personal care, not major expenses like starting businesses or education.
12. Retire While Active: It's better to retire while active and healthy, not when worn out. Enjoy life after retirement.
13. Plan Beyond Job Benefits: Don't rely solely on job benefits for retirement. Develop a plan for life after work.
14. Embrace Retirement: Don't dislike the idea of retiring; be prepared for it. It's a natural part of life.
15. Practice gratitude: Regularly reflect on positive aspects of your life for a more positive outlook.

_____________________________________

Remember, these tips are general and might not work for everyone. Make them fit your own life and preferences.

𝗛𝗼𝗹𝗶𝗱𝗮𝘆 𝘁𝗼𝗱𝗮𝘆 — 𝗽𝗲𝗿𝗼 𝗴𝗮𝘄𝗶𝗻 𝗻𝗮𝘁𝗶𝗻𝗴 𝗶𝘀𝗮𝗻𝗴
#𝗣𝘂𝗿𝗽𝗼𝘀𝗲𝗳𝘂𝗹𝗛𝗼𝗹𝗶𝗱𝗮𝘆. 🙌🏻

Today’s a chance to protect what truly matters — ikaw, your family, and the legacy you're building for future generations.

Tara baka wala kapang ganap today, check natin ang insurance options mo. G? Message mo lang ako! 💌