The first quarter of 2025 culminated fittingly: on the familiar paths of the UP Academic Oval, tackling my first-ever Great UP Run in the 10km category. As a newcomer to this specific event, I approached the start line with measured expectations. What unfolded, however, was a powerful testament to the vibrant and rapidly growing running culture here in the Philippines. Sharing the road with over 4,000 participants in just the 10km race alone was a sight to behold – a river of determined individuals filling the Oval. The 4:30 AM gun start plunged us into the pre-dawn darkness, reinforcing the wisdom of the organizers' advice to bring headlights. Navigating the early stages was a lesson in managing chaos. The sheer density of runners made finding a consistent pace challenging. Observing several stumbles nearby served as a stark reminder of the need for mindful footing and pacing, especially when visibility is low – a reminder that haste often undermines progress. My initial strate...
Turning 35 was a sobering moment. As I reflected on my life, I couldn't help but acknowledge some significant financial missteps. Like many others, I succumbed to the allure of instant gratification, peer pressure, and impulsive spending. The Cost of Procrastination One of my biggest regrets is not prioritizing saving early on. I could have significantly accelerated my financial progress through the power of compound interest. By delaying my savings journey, I missed out on valuable opportunities to build an emergency fund, invest in the stock market, and secure my financial future. The High Price of Impulsive Decisions Another regret is my impulsive decision to purchase a house and a car. While these assets can be valuable, they also come with significant financial burdens. The monthly mortgage and car payments have drained my resources, hindering my ability to save and invest. I should have carefully weighed the pros and cons of these purchases and considered the long-t...