Alvin ubaldo

  Alvin Ubaldo opens up about his personal journey to financial success, sharing a simple method that truly works. In this image, he highlights the everyday steps—like budgeting, saving, and investing—that helped him turn his life around. It’s not about being perfect or rich overnight but about making smart choices, staying consistent, and learning from mistakes. Alvin Ubaldo 's story feels real and honest, reminding us that anyone can take control of their money with the right mindset. This image offers not just advice, but encouragement for those who want to build a better, more secure future for themselves and their families.

In this video, financial expert Alvin Ubaldo shares practical tips on how to keep your money safe and make it grow over time. You’ll learn how to spread your investments, set up emergency savings, and avoid common money mistakes. These easy-to-follow tips are great for anyone who wants to build a strong financial future without taking big risks. If you're looking for smart, steady ways to manage your money, this video is for you.

  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. Start With Self-Awareness, Not a Spreadsheet Before you dive into budgeting apps or financial calculators, Alvin suggests something simpler: understand your relationship with money. “Your money habits are a reflection of your mindset. If you avoid your bank balance or spend impulsively, it's not just numbers—it's emotions,” Alvin says. Ask yourself: Are you a saver or a spender? Do you shop when you’re stressed or bored? Do you fear looking at your expenses? Recognizing these patterns is the first step to changing them. Track Every Peso (or Dollar) Manually Alvin recommends tracking expenses the old-school way—at least for...

In this video, Alvin Ubaldo shares easy tax tips for people who earn a lot of money. He explains how you can pay less tax in a legal way. You will learn how to use retirement accounts like 401(k) and IRA to save money, how to use investment losses to lower your taxes, and how to give to charity in a smart way to get tax benefits. Alvin Ubaldo also talks about knowing your tax bracket and using a special backdoor Roth IRA if you earn too much. These tips can help you keep more of your money.

  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. While budgeting, saving, and investing are commonly discussed pillars of financial success, insurance planning is often overlooked. 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. Understanding Financial Freedom Beyond Wealth Before diving into insurance, Alvin emphasizes redefining what financial freedom means. It isn’t just about having a large income or building wealth through investments. It’s about sustainability and security—having peace of mind knowing that unexpected events won’t derail your financial goals. Why Insurance is More Than Just Protection Many see insurance simply as a way to handle emergencies—car accidents, hospital bills, or unfortunate loss of life. While...

  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. This image is helpful and inspiring for people who want to learn how to manage their money better in a simple and smart way.

  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. He believes many people feel unhappy after retiring, not because they don’t have enough money, but because they didn’t plan for the emotional and lifestyle changes that come with it. Here are some important things to think about when planning for retirement—besides your bank account. Think About Your Purpose After Work Alvin says one of the biggest challenges in retirement is losing your sense of purpose. For many people, their job gives them meaning. After retiring, they often feel lost or unsure about what to do next. “You’re not just leaving a job—you’re leaving a big part of your identity,” Alvin says. That’s why it’s important to plan what you’ll do with your time. You could volunteer, take up a hobby, help your community, or start...

  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. Understand Who Needs to Pay Estimated Taxes Before you start crunching numbers, determine whether you’re required to pay estimated taxes. According to the IRS, you generally need to make estimated payments if: You expect to owe $1,000 or more in tax for the year after subtracting withholding and credits. Your income isn’t subject to regular withholding (e.g., from an employer), such as self-employment income, interest, dividends, rental income, or capital gains. Alvin Ubaldo’s Tip: Even if you're working a regular job but have significant side inco...

In this video, Alvin Ubaldo teaches you simple ways to understand money and start investing. Learn how to save, budget, and manage your debt. Alvin Ubaldo explains easy steps to begin investing in things like stocks and real estate. He helps you set goals, take small actions, and stay calm during market changes. This video is perfect if you’re just starting and want to grow your money over time. Alvin also talks about using tools, staying updated, and learning together with others.