@ajames.fragata: Akala mo emergency fund lang kailangan mo? May mas level up pa bes — income replacement fund! 💸🔒 Ito yung sasalo sayo ng 10 taon pag nawala bigla income mo, hindi lang pang-isang emergency. Kasi ang tunay na mayaman, kahit walang work tuloy pa rin ang buhay #IncomeReplacementFund #FinancialTipsPH #IponGoals #PeraTips