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Sa Ibang Bansa.
Bakit Parang Hindi Pa Din Sapat?

SmartPera helps Filipinos abroad build real wealth. Not just survive payday to payday. Free Tools. Real Strategies. Your money finally working harder than you do.

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📕 Author — Bakit Broke Pa Rin?
🎓 Graduate RFP Philippines
Free Tools

Know exactly where your money stands

Libreng tools para sa bawat Pilipinong OFW. No signup required to start.

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Financial Health Scorecard
Get your personal financial health score in 3 minutes. Know your gaps and what to fix first.
Start Free — 3 mins →
FREE
🏖️
Retirement Calculator
How much do you need to retire comfortably? Get your projection based on your income and goals.
Calculate Now →
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Budget Analyzer
See where your money is actually going and find the leaks in your monthly cashflow.
Analyze →
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Education Planner
Plan your children's education fund. How much to save monthly starting today.
Plan Now →
Bakit Broke Pa Rin Ang Pinoy — SmartPera Book
Now Available — 2nd Edition

Bakit Broke Pa Rin Ang Pinoy?

"Sipag mo lang ba ang puhunan mo? Kailangan mo na ring diskarte." — Medz Ron Macasaet

9 chapters. 7 AI-powered tools. 1 mission: break the cycle of financial struggle para sa bawat Pilipino — kahit saan ka sa mundo. Works on all devices!

00 10 Hard Truths — Chapter Zero
01 Money Mindset
02 Budgeting & Savings
03 Debt Management
04 Investing 101
05 Retirement & Education
06 Insurance Essentials
07 Estate Planning
08 Full Financial Plan
₱999
eBook · PDF format
Instant delivery · Works on all devices
Chapter Zero — Exclusive Preview

10 Hard Truths Na Kailangang Marinig Bago Ka Magsimula

"Hindi ka mahirap dahil sa sweldo mo. Mahirap ka dahil walang nagturo sa'yo kung paano hawakan ang pera mo."

Reason #1
Walang Nagturo Sa'tin Kung Paano Hawakan Ang Pera
25% lang ng adult Filipinos ang financially literate. Sa 2021, bumaba pa ito sa 2%. Hindi ka nag-iisa.
Source: S&P Global Financial Literacy Survey; BSP Financial Inclusion Survey 2021
Reason #2
Ang Remittance Mo, ATM Ng Buong Pamilya!
78.6% ng cash remittances napupunta sa consumption. 75% ng OFW households? Zero ang na-invest.
Source: BSP Discussion Paper No. 2024-18; PSA Survey on Overseas Filipinos 2008-2022
Reason #3
Pakikisama Culture: Hindi Makatanggi Ang Pilipino
Pag tumanggi ka, "Mayabang na." The cycle of giving without limits destroys your future.
Reason #4
Bumibili Ng Pamporma, Hindi Ng Pampayamang Assets
18-22% ng remittance napupunta sa gadgets at appliances. 6% lang sa productive investments.
Reason #5
Biktima Ng Scam Dahil Gutom Sa Easy Money
₱60 billion ang nawala ng mga Pilipino sa Ponzi at pyramid schemes sa nakaraang dekada. OFWs ang primary target.
Source: SEC Philippines Investment Scam Advisories 2023; NBI Reports
Reason #6
Walang Emergency Fund, Insurance, Safety Net
45% ng Pilipino umuutang bilang first response sa emergency. 37% lang may savings sa bangko.
Source: BSP Financial Inclusion Survey 2021; BSP Consumer Expectations Survey
Reason #7
Walang Retirement Plan — Si Anak Ang "Plano"
Average SSS pension: ₱5,000/month. Poverty threshold ng isang pamilya: ₱13,000-14,000. Hindi sapat.
Reason #8
Overconfidence Sa Pag-Uwi: "₱5M, Kaya Na!"
83% ng returning OFWs walang trabaho within 3 months. Ang ₱5M ay hindi ₱5M sa loob ng 25 taon.
Reason #9
Sobrang Asa Sa State Pension
Ang state benefits ay supplement — hindi ang main plan. Ikaw ang main plan. Ang investments mo.
Reason #10
Hindi Naiintindihan Ang Inflation — The Silent Killer
₱50,000 ngayon = ₱18,756 na lang ang real value sa loob ng 25 taon. Kailangan mong i-invest, hindi lang mag-ipon.
Client Stories

Filipinos who took action

"

Dati akong nagtataka kung saan napupunta ang sahod ko. After using the SmartPera scorecard at nakausap si Medz, may structure na ako. Malinaw na ang plano ko.

MR
Maria R.
Registered Nurse · Singapore
"

The retirement calculator opened my eyes. I thought I was saving enough. Turns out I needed a completely different strategy. Medz helped me course-correct early.

JT
Joel T.
IT Engineer · Employment Pass
"

Hindi ko alam na may insurance gap pala ako until I used the SmartPera tools. Very educational — walang pressure, pure guidance lang. Salamat Medz!

AC
Ana C.
Accountant · Permanent Resident

Share Your SmartPera Story

Have you used the tools or read the book? I'd love to hear your experience.
Testimonials are collected via the contact form or directly via WhatsApp.

Free Resource

Why Filipinos Stay Broke After 20 Years Abroad

Subscribe and get a FREE PDF — the 4 Pillars every OFW must master to build real wealth. No spam. Just value.

100% Free

SmartPera Financial Tools

Libreng tools para malaman ang totoong estado ng iyong pera. Designed for Filipino OFWs worldwide.

MOST POPULAR
📊
Financial Health Scorecard
Answer questions. Get your personal financial health score with a detailed breakdown of your strengths and gaps.
Start Free — 3 mins →
FREE
🏖️
Retirement & Education Calculator
Based on your income and current savings — how much do you need and are you on track for retirement and education goals?
Calculate Now →
FREE
💰
Financial Health Check
A comprehensive check of your financial health — budgeting, savings, insurance, investments and more.
Check Health →
🛡️
Insurance Checker
Assess if your current coverage is enough for your family and income level.
Coming Soon
📋
Estate Planner
Basic estate planning checklist — para protektado ang pamilya mo kahit ano ang mangyari.
Coming Soon
Inside the Book — AI-Powered

7 Premium AI Tools — Included With the Book

When you get the book, you unlock 7 AI-powered SmartPera tools that other companies sell separately. These tools analyze your budget, guide you step-by-step, and create your personal financial roadmap.

🧠 Money Mindset Mirror 💰 Budget Analyzer 🏦 Debt Analyzer 📈 Risk Profile Checker 🏖️ Retirement & Education Planner 🛡️ Insurance Checker 📋 Estate Planning Checker
Educational Disclaimer: For educational purposes only. This is not financial advice. All SmartPera tools provide general financial projections based on the inputs you provide. Results are informational only and do not constitute personalized financial recommendations. Please consult a licensed financial adviser for advice specific to your situation.
Medz Ron Macasaet — SmartPera Founder
📕 Author · 🎓 RFP Graduate · 10+ Years
Personal Finance Educator & Author

Medz Ron Macasaet

Born in Olongapo City, Philippines. Raised by an OFW father and a manicurist mother. Pandesal sa utang ang almusal. Today — author, financial coach, property investor, and founder of SmartPera.

This is not a story of overnight success. Ito ay isang patunay na kahit mahirap ang simula, may pagbabago kung willing kang kumilos.

The Journey

From sleeping on the floor to building multiple income-generating assets

1986 — Olongapo City
Born pangalawa sa bunso sa anim na magkakapatid. Father OFW sa Kuwait. Mother, isang manicurist. Walang ipon. Walang insurance. Pandesal sa utang ang almusal. Nakikinood ng TV sa kapitbahay. Tansan bilang laruan. But his parents valued education above all.
Teen Years — The Seed
Naging kasambahay para sa kapatid para makapag-aral. His older brother — a bank employee — taught him early: "Hindi sapat ang sipag. Dapat may diskarte ka rin." Those words changed everything.
College & Early Career
Juggled studies and night shifts at a fast food chain. After graduating — KFC manager, Penshoppe, ABS-CBN sales, MLM, sister's bakery. Ang tanging puhunan: pag-asa. Failure after failure. But never quit.
2010 — Singapore
Left the Philippines as an OFW with no savings. Just dreams. Started in retail. Became one of the top salespersons. Knocked on doors. Surveyed streets.
2013 — Financial Services
Joined the financial services industry. Began studying financial planning in Singapore deeply.
2014 — Life-Changing Realisation
The year everything changed. Medz realised he had been sending money home for years — but had no real asset generating income in his own name. Nagsimula siyang mag-knock on doors, mag-prospect, at pag-aralan nang mabuti ang financial planning. This was the turning point that defined his entire career.
2017 — Personal Milestone
Married Marionne, his partner in life and values. From sleeping on the floor to multiple income-generating assets — property investments in Pampanga, Cebu, and Bataan.
2021 — RFP Graduate
Graduated as a Registered Financial Planner (RFP) Philippines — the premier financial planning credential in the country. A badge carried with humility and purpose.
2024–2026 — SmartPera
Promoted to Financial Services Manager. Founded SmartPera. Authored "Bakit Broke Pa Rin Ang Pinoy?" — a gift to every Filipino struggling financially. A roadmap. A spark. A legacy.
Credentials & Expertise
🎓
Registered Financial Planner
RFP Philippines — Graduate 2021
📕
Published Author
Bakit Broke Pa Rin Ang Pinoy?
📊
10+ Years Experience
Financial Services in Singapore since 2013
🏠
Property Investor
Multiple income-generating assets in PH
🌍
OFW Financial Educator
Platform speeches & seminars for OFWs globally
🇸🇬
Singapore-Based
Serving OFWs & Filipino professionals worldwide
Now Available — 2nd Edition

Bakit Broke Pa Rin Ang Pinoy?

The Money Playbook for Every Filipino — with 7 Free AI-Powered Financial Tools Inside. Works on all devices! | For educational purposes only. This is not financial advice.

📕 Buy Now — ₱999
Bakit Broke Pa Rin Ang Pinoy — Book
Chapter Zero Preview

10 Hard Truths Na Kailangang Marinig

"Bago tayo pumasok sa strategies, sa budgeting, sa investing, at sa lahat ng tools na binuo ko para sa'yo sa book na ito, kailangan muna nating pag-usapan ang isang malalim na tanong: Bakit broke pa rin ang Pinoy?"

From financial illiteracy to pakikisama culture to scam victims — Chapter 0 exposes the real systems trapping Filipinos in poverty cycles. No guilt-tripping. Just honest truth para mabuksan ang mata mo.

What This Book Teaches You
✓ How to change your money mindset
✓ How to budget even with low income
✓ How to get out of debt and use it wisely
✓ How to invest smart and avoid scams
✓ How to plan for retirement and children's education
✓ How to use AI to improve financial decisions
FAQ
Para kanino ang librong ito?

Para sa lahat ng Pilipino — OFW, locals, young professionals, parents, singles. Kahit saan ka sa mundo, ang libro ay para sa'yo kung gusto mong umahon sa financial struggle.

Paano matatanggap ang libro?

PDF format. After payment, instant download link ang ipapadala. Compatible sa lahat ng devices — phone, tablet, laptop, at print.

What language is the book?

Taglish — a mix of Tagalog and English na razón ang lahat ng Pilipino. Practical, approachable, at madaling intindihin kahit walang financial background.

Ano ang 7 AI tools inside the book?

Money Mindset Mirror, Budget Analyzer, Debt Analyzer, Risk Profile Checker, Retirement & Education Planner, Insurance Checker, and Estate Planning Checker — lahat libre kapag binili mo ang libro.

📕

Bakit Broke Pa Rin Ang Pinoy?

by Medz Ron Macasaet · SmartPera © 2026

₱999
eBook · PDF format · All Devices
✓ 9 chapters (incl. Chapter Zero)
✓ 7 free AI-powered tools
✓ Written in Taglish
✓ Practical, no-fluff
✓ Works on all devices
✓ Instant PDF download
📕 Buy Now — ₱999

Secure payment · PDF delivered instantly

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