Money management is a skill that everyone needs, but few are taught. Whether you're just starting your financial journey or you're tired of living paycheck to paycheck, it’s never too late to take control. Alvin Ubaldo, a financial literacy advocate and life coach, breaks down practical, real-world advice on how to start managing your money wisely.
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When people think about financial freedom, they often imagine a life free of debt, a healthy retirement fund, and the ability to make choices without financial stress. According to Alvin Ubaldo, a seasoned financial advisor with over a decade of experience, insurance isn't just a safety net—it’s a strategic tool in achieving lasting financial freedom.
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This image shows Alvin Ubaldo talking about why many people find it hard to save and invest money. He explains that things like poor money habits, lack of knowledge, and spending too much can make saving difficult. Alvin Ubaldo shares easy tips, like making a budget, setting goals, and learning how money grows over time. His message is clear: with small changes and the right mindset, anyone can start building a better financial future.
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When people think about retirement, they usually focus on money—how much to save, how to invest, and how to make sure they can live comfortably. But financial expert Alvin Ubaldo says that retirement planning should be about more than just money.
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When you’re self-employed or earn income that isn’t subject to regular withholding—like freelance work, rental income, dividends, or gig work—handling taxes becomes your responsibility. You don’t want to be surprised with a big tax bill (and penalties) at the end of the year. That’s where estimated taxes come in. Alvin Ubaldo breaks down the step-by-step process to help you prepare and pay your estimated taxes accurately and on time.
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