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financial-independence

Youth’s Advantage in taking action to reaching Financial Freedom

At what age do you plan to retire? This is what I often ask several people I meet to talk about investing. Most of the time, I get fascinating response. I’m planning to retire at age 35, or 40, or 45, or 50. Interesting enough, in my generation, nobody will say they plan to retire […]

buy term invest the difference

The Real Deal Between VUL vs. BTID (Mutual Fund + Term Insurance)

I really can’t remember when I first encountered Variable Universal Life Insurance (VUL). What I remember is the negative impressions and reservations that I have for this hybrid investment instrument, probably brought by the influence of popular western financial gurus like Suze Orman, Dave Ramsey, and the like. What’s a VUL, anyway I referred to […]