I Didn't Get the Job - Am I a Total Failure? - My Birthday is Tomorrow

hey what's up guys I'll give it a few moments to let the first person in here before I start how's everybody doing tonight and did get a rejection from that job oh well um so yeah tomorrow I've got

another interview with another company we'll see how that goes but if these don't pan out I am thinking about just putting like a year into going all in on YouTube um the growth of the channel has been incredible

I actually got contacted by CNA which is a Singapore based uh Media company that wants to do something with me if I can make it to Manila so we'll see how that goes hey feel free to time in

I know it's uh probably pretty early morning there in the US I am pretty tired today guys um I didn't get a great night's sleep but I wanted to do a live stream is tomorrow is my birthday don't

have any plans um what's everybody doing this week how's everybody's week going um anything interesting going on this weekend cool we got a couple of people feel free to chime in it's um I guess it hasn't been too

hot today I I didn't really get out of the house much so or at all I took a day to just kind of chill cuz I've been really going hard um the last few weeks and wanted to just

take a CH chill day because tomorrow is going to be a really long day and um yeah I just know I need the rest today to go hard tomorrow it's been very very busy I've been running it running

around a lot and uh yeah just meeting a lot of different people doing a lot of different stuff the channel growth has been incredible I can't thank you all enough for supporting the channel and subscribing to the channel

uh both long-term subscribers and then also folks that are new to the channel I um yeah it's just very humbling actually trying to set something up for later this week so we'll see how that goes um pretty slow

uneventful week um yeah as you could tell I'm pretty tired I think tomorrow I'm G to go out for a nice meal for my birthday may need to go to lantau actually which I was very fortunate to go

out with some friends and go there on Sunday um but apparently they do like a breakfast buffet and they do half off your birthday week so I'll probably take him up on that um maybe Saturday yeah maybe I'll

do that Saturday because I've got and let me pull up a map here that would be helpful here feel free to chime in we don't have any comments so hope that everybody is able to hear me clearly so

I actually um so this is a restaurant I recommend everybody checking out if they come here to do meetti check out lantow obviously you can see it's very popular uh they do like a breakfast buffet so I uh

let's see here um so it's 299 pesos but of course it'll be my birthday so I guess I'll pay 150 um but yeah they've got a lot of different um yeah a lot of different items and I think

it should be interesting to go check that out um tomorrow morning I may be going to meet with some friends they do a coffee meeting every Thursday morning we'll see how early I get up my sleep schedule has

been all over the place because I've been St up super late to do job interviews um but then I've also been waking up early to do filming so I've kind of been back and forth back and forth um

yeah we'll see how things go so I did start chatting with somebody I actually ran into the Filipina p in uh in town here in town and she introduced me to a friend of hers so we've been chatting

that's been going interesting um and yeah I've just been enjoying getting to know her and uh yeah we uh was it Sunday no it was Saturday we went on a I guess a date to a restaurant in town

and that was really nice that was kind of my like one of my birthday dinners because um she's really busy with class and so uh it was a great opportunity to spend time with her and get to know

her better we went to Sans reval which is a great restaurant um zoom in here now it's further up the boulevard yeah so this spot well that's the here we go so this is the actual restaurant recommend checking

this spot out duetti is just a nice eating town you know if you're somebody likes to just chill out and um not really do as much you know it's it's a nice place um yeah feel free to chime

in guys with any questions or thoughts I recognize this might not be the most opportune time um I should probably try for some mornings because I imagine that would be the prime 6:00 to 900 PM hour for those

of you in the US but uh yeah I mean this is this is a decent time for me but uh definitely need to just to uh yeah to do something at a good time for all of you and

then I think um yeah so I'm actually waiting so Friday I do need to go to immigration I'm going to be picking up my ACR card and I'll get the I'll get my passport back with the two-month V

extension so I'm ex uh when I pick it up I'll be extended through December 8th so I won't have to fool with uh getting an update for a couple of months on that then probably mid November I'll have

to go in for another extension um just go ahead and zoom in here to show you all where that is yeah so right here near queson Park on lock in Street then you just go there if you need

to update your Visa you know whether it's your first month extension your two-month extension uh you're able to go there and do that they do have some Visa processing services in the same hallway I just go to the

official route because I'm you know I'm fine with that no issue there but uh certainly other people may have a different priority but yeah this is where I go in town the bagetti is very small so anything that

you need to do you'll be able to do uh in there like you'll be able to do there in town and it's uh yeah it's just such a convenient town to live in I mean everything is close together

you're not going to have to go that far out of the way to get things done if you want to relax you got to get a little bit out of town I think uh but if you need to

handle business then everything is just in a very small area it's h very convenient in that way but yeah feel free to chime in on chat um nothing's coming yet yeah so anybody has any questions or any thoughts

any comments uh certainly they can be helpful for us to have a nice discussion and it may may us to be a slow night and maybe best op good idea for me to pick a more optimal time but

yeah I thought I'd talk about it am I a failure am I failing here I don't think so I think I've been very clear about my intentions from the start um we'll see how things go this is more

of a discovery trip laying the groundwork um if I you know obviously if I don't get an offer I'm just going to keep going on on YouTube because there's a lot of different video topics that I want to

make I've got one I've got several that need to be edited Captain trucker great question um so good to see you uh are you here in the Philippines I know that you had talked about coming over I hadn't

seen an update yet on your channel um of course I'd love to see you here but I also understand if you know if you get pulled back into another opportunity there um are you disappointed about the job or

is the title just relapsed yeah trucker so I think you have this great stoic mindset and I need to learn from that um so I am kind of disappointed because uh My Hope was that I'd go back and

start sacking money I think that with another three or four years of working in the United States I'll be able to move here long term and so I think the concern in the back of my mind is on

one hand I enjoy being here I love being here of course I'm living in the moment on the other hand it feels like I'm tacking more time onto the end right of my staying in the United States so

um jobs come and go yeah that's a great Point trucker so I I need to be more soic about it uh I am talking to a um well-known company all of you are familiar with tomorrow we'll see how

that goes that's tomorrow night at 2 am. uh so yeah on I'm it is also for Laughs you know because I know a number of people have said oh you're a failure this and that and I'm like okay

I'm a failure whatever you know like it's um I know people are looking to elicit a response and uh it's you know I think that when we grow up in the US we're taught that our job is our

identity and that if we don't have a formal job then we're a nobody right but I think you know like you said jobs come and go it's certainly not going to be the last opportunity I ever encounter in

my life it was a good opportunity I did do like five rounds of interviews with them um but they decided to go in a different direction and then they went and they reposted the job uh like the Monday

after the Friday they told me I wasn't getting it so some companies are just um they they just don't know what they want and that's the best way for me to um understand it and hey you know maybe

I dodged a bad situation right I mean if they can't make up their minds they they don't know what they're looking for who knows maybe I would have gotten in there and then three months later six months later

I would have been shown the door which would be a bit of a struggle getting out of a lease in America coming back over here obviously not being able to get a great Roi on a three-month time span

right most of us want to work at least six months to a year or maybe a couple years to really get a solid uh return but I may talk to a friend of mine I worked with at a

previous job he was great he's still at that company uh they have they are I think well-managed they have good training uh it would be a good opportunity for me to uh make some Headway in in my career

and really just like I said contribute to Investments my goal is to get to my financially independent M as fast as possible back in the States to come over here long term because I want to get to the

point where I could come here and just never worry about going back home uh there's just not a lot for me back home and I don't really enjoy living in the United States anyway uh it's a great place

to earn money but as far as quality of life it's really taken a hit in recent years um so you know in some ways you do feel like you're not successful if you go back home in other ways

it's going to push you towards success I just feel like bored back home I feel lonely back home uh and here I don't feel bored ever right it's like such a spontaneous place there's um absolutely treer I agree

I you know when I see the effort that you put into your job and um you know it reminds me like it's a long it's a marathon right it's not a Sprint like um you've had multiple Vis long

visits here to the Philippines and you're stable like you know the the Assumption I'm sure you get this trucker oh if you don't you know focus on your job and never leave right if you you need to just

stay there for the next 30 years or whatever you never need to go to the Philippines until you hit traditional retirement age well you're I think you've done a really good job of balancing working like work life balance

right like I want to work because I need money but I also want to live my life because you know that's part of enjoying life and so what you mentioned like you still got um a lot of yeah

you said no people in expats have weird perspectives about leaving the country to work xats can move around and work wherever come and go see that's how I feel I don't feel like it's such a big deal it's

like um life is not guaranteed right I mean even at our age there are people that run into health issues there's challenges Anything could happen and I'm not going to be one day and be like man I really

regret taking some time off when I was 30 or 37 or 42 to go and enjoy life to go travel in a beautiful country like the Philippines to interact with interesting people over here to uh you know to

just not think about the hustle and grind because it it seems like you know back home there are a lot of nice things about back home I like the conveniences I like uh the predictability of things but that

also gets really repetitive and boring sometimes so you come here and you leave the house and you have no idea what's going to happen I mean that's really what I love about the Philippines is this sense of spontaneity

where I go down to town I go into dumag Getti and it's still not boring to me people ask me oh aren't you Bor of Doom MTI no I have no idea what's going to happen when I go

down to Dag Getti I don't know who I'm GNA see I don't know what I'm going to run into uh I don't know how Wild the traffic is going to be um yeah trucker I mean I think with

the older Generations some of them can be skeptical of us right some of them can be skeptical that we're willing to have these kind of nomadic Lifestyles and it's like no I mean it's exciting it's fun it's you

get to do all kinds of things that maybe you dreamed about doing when you were younger that people told you oh no trucker don't do that or oh you shouldn't take that risk or this and that and it's

possible in the modern world right we have digital incomes we have online incomes we have uh ways of making money online right I mean you know this this a modern world just provide can provide so many unique opportunities

that people of the past would only dream of having so uh it's not like you're going to be chained to a desk you're going to work at the same company for 30 years for Our Generation that's not guaranteed

the economy is not as stable as it was in the post-war era and so you may work for many most of us will work for many different employers um and then ideally start our own business right I think

that's really the dream for a lot of people is to start our own business you could do that with YouTube that's a great example where you are essentially on YouTube collecting royalties right so you um drive you bring

in attention and then people watch and they enjoy they engage um so yeah I think moving around working going to other places is a solid option finding out what you like finding out what you don't like figuring out

the places that are appealing to you figuring out the places that are fun and enjoyable the places that you want to live and you want to spend time and then some places you don't right I mean I found

some places I'm like okay I'm glad I got that out of the way because that's not a place I want to live uh and then there's places you'll want to go back to over and over again like trucker

I feel that's you feel that way about the Philippines where you came here it's not the only country you've been to I know you've also been to Indonesia and yet you felt like wow this is the place and

then of course now you've got your son here in the Philippines so you really took a chance and it's paid off many times over for you and I think for you trucker like you see and I've had this

conversation with Paul shout out to Paul old dog neutrix uh he talks a bit about this we talked a bit about this where he said after I came to Asia I knew where I wanted my life to go

I knew where I wanted my life to be uh and so I think that you solved that problem right that that may have been a problem for you I'm not sure trucker I don't want to put words in

your mouth but you may have felt like when you were a younger guy you're still young but when you're an even younger trucker uh you thought man like what direction am I going in you know where do I

want my life to be I felt that way a lot so can't speak for you but I can't speak for myself or I'm like what am I going to do with my life um and now I know right

now I know the direction I'm going now I know the destination that I want to be at and it's just a matter of getting to that destination and figuring out a way to get there as efficiently as possible

so uh for me what that looks like is multi-art uh one I could go back and work I could save every penny which is what I've done in the past I'm going to do it again or I'm will

I should say I'm willing to do it again add to Investments add to the dividend portfolio uh two grow my channel build that up into a more substantial uh income stream uh and then you know get to that

point where I get x amount per month whatever that exact amount is I lean toward 1500 per month I think it's doable on less but I think 1500 is a pretty comfortable number to have some left over have

some for unexpected expenses Visa uh this is just kind of a rundown of what some of you might be wondering what what does my budget need to cover well you need to cover your Visa expenses any country that

you go to unless it's your home country you're probably going to have some Visa fees your heal your health insurance um you probably want to have some health insurance program or um policy I should say especially as you

get older not as much uh you know of a concern for maybe some young guys but I think as you get older you don't know what could happen uh food obviously you need to eat shelter you need a

place to live and then transportation and those are the big ones that you really need to think of how am I going to pay for those uh a big one to number six that doesn't come up is replacing

your clothes and replacing your electronics your electronics will eventually wear out your clothes will eventually wear out and having a budget for that so those six things you know those are the big ones that I would say you

want to budget for I think 1,500 a month is a good starting point I think I could do it on less I've been spending like 600 per month 700 per month here in the Philippines um and I feel

comfortable on that amount I mean I rent the top half of a house here I um what else do I do um I eat out of me restaurants for every meal I get around town now I'm not a

big running around the islands kind of person um mostly because I want to figure out the place I want to settle and I think you need a baseline idea of okay this is where I want to live and

then you can Branch out from there I am looking at going still to minda now we'll see how that goes I may be making a trip to Manila I'm trying to push uh for Budget to cover my flight

if I'm going to do uh the documentary with them I'm not going to get too much more into details because it's not confirmed it may fall through uh they may say hey we don't have budget for the flight

maybe I changed my mind about it um it would be massive it could I should say it could be big exposure for the channel right uh getting on a channel like CNA they're one of the largest Med I

think they might be the largest media organization in Singapore um and of course you know it would expose me to people way outside of the traditional vlogging community so that could be really interesting uh if I do take

them up on that um they're going to be filming in Manila in a few weeks and so yeah I mean if they they say hey we're going to get your flight I'm happy to pay for my accommodations I'm

happy to pay for my food uh but it's you know it's like a it's a you know it's going to take me some time I'm going to have to go down to the airport go to Manila uh get

transportation to their location you know Manila like it's not just about the money right it's also just Manila being like the most densely populated city in the world uh it's it's a solid investment of time to go to

Manila and to navigate Manila traffic it's not necessarily a city I could see myself living in long term so I do kind of want to ask for that right I mean if I'm going to come and help you

do a documentary um presumably like not they haven't mentioned pay but you know I do it for exposure uh then yeah you know I want to ask for a bit um and I'd be happy to do it I

think it'd be interesting uh I don't want to get too much into it because I don't want to reveal all my secrets or all my tricks but uh yeah I mean if it if it performed well I think

it would draw a ton of attention to the channel and it would you know it could be a spark to get me to 10K um which is yeah which is definitely a goal of mine that's I would say

5K is the next goal and then 10K after that uh because I think once I hit 10K 15K 20K it starts to look like a sizable enough um opportunity you know as far as just like covering my bills

every month Nicholas says s dude so sorry to hear you didn't get the job same ex exact thing happened to me recently applied for a job I thought was a shoe in for and at the final stage was

told position being halted due to budget cuts yeah it's really disappointing to hear that Nicholas um just have to dust yourself off and keep going yeah you know a lot of these companies are changing plans and some are

implementing automation some are implementing AI some are Outsourcing uh the economy is really in flux right now with these interest rate hikes making it super expensive to borrow uh a lot of these companies are just you know they're

just making all these different decisions that really put a lot of us at um stressful positions let's say but yeah I think I'll I'll figure it out Great Cars yeah that's great to know um but yeah Nicholas it's

definitely a challenging uh job market and I think things will improve after the elections so I don't want to get super political here but I do think after the elections that the job market will pick back up uh

whoever gets in charge of the United States um they're well depends on who wins but you know it's looking I just look at the betting odds let me put it that way I just look at the betting odds

go look at the betting odds and that should help you to better understand what's probably going to happen I don't care what happens to be honest with you I'm going to win either way um but if it's p

if it's the one who may want to run for a second term they're going to want to do things to in the first term to ensure that and uh you know I watch a lot of different channels but

I mean they're they're going to be concerned about the jobs right because if you have a bunch of unemployed or underemployed people that's not going to bote well for their reelection odds so they'll probably make decisions that um

yeah I mean you know improve their their uh odds but yeah um it's should be interesting I mean I think that's going to I think the market will improve next year some people say it's going to get worse

uh I don't know if it could get any worse because the interest rates are going backwards now I do think that the country is going to have a debt crisis uh in the coming next in the next uh

four years by debt crisis I mean I think the next president is the next US president is going to have to address the debt concerns because I don't know you know some people suspect the Market's going to crash

up so all this money that's been printed and flying around will find its way into assets so land prices will Skyrocket again stocks will Skyrocket again uh and you know basically the inequality will just get worse in the

United States uh which wouldn't shock me to be honest I I think that uh the alternative is the Great Depression where a lot of rich people really suffered and I think that the wealthy in the United States do

not want to suffer uh so they would rather um make the inequality worse and make the poor people suffer uh so that works out for investors right I mean if you're an investor and your real estate keeps shooting

up good for you uh you know if you own stocks which I own some stocks and they go up hey you know if my investment crash up so high that that the Delta between um the US dollar denominated

assets and my expenses in Philippine pesos is substantial enough I mean it could make me financially independent right uh it's going to be awful for the people in the United States who can't get out of there uh but

you know I mean that's that's a possibility I don't think about what I want to happen I try to assess what I think will actually happen and I don't see the inequality issue being resolved in my lifetime I

don't see the debt issue really truly being resolved in my lifetime unless I mean I think they'll just kick the can down the road and um thank you so much Chris I really appreciate that um that's so kind

you're the first person to wish me happy birthday so very very kind of you man um yeah wish I uh I wish I could have a get together or a party for every for people to come together it

seems like all my friends are spread around the world they spread around the country uh so that uh yeah maybe I'll do a video tomorrow I got to do um I got I have some more ideas I need

to work out I've got some stuff in the tank to edit I just put out a video about condescension uh because I I noticed there's some condescension in the xack community and I talk a bit about the ones

I feel that I'm guilty of and then I you could call it xat apologetics apologize for the ones that I think are irrelevant right um but yeah there is there is condescension among the expat Community you definitely see

that where uh you know even some well-known bloggers I'm not going to name any names but oh man you know it's so bad back there like I try to look at it with neutrality I'm not thrilled about the

problems in the US it doesn't make me happy to know that the us is going through what it's going through I think it's terrible I think it's a tragedy um but I also think people got to save themselves

right if you uh suspect that the US the future is is not as bright as it has been historically then making your plan to move somewhere else is a solid plan and you know even if there's a financial

crisis in the United States I think that being overseas will give you some time to to figure things out where in the US if there's a serious financial crisis I mean it's going to be total chaos you see

The Descent and the issues that have resulted from say the pandemic lockdowns I mean it's it's a very divided place so yeah I mean I don't know that you know even in a crisis where maybe it's hard to

get your money out of the ATM you might want to have some you know foreign denominated currency then uh it's yeah I mean I'm not exactly opposed to being over here until at least after the election because I

think that there's going to be a lot of people unhappy with the results and um yeah I think it's just not going to be great but you know like I said this ain't a political channel it's more about

just trying to assess like what expat life looks like in the future um Nicholas says do you think quantitative easing will be introduced again yeah Nicholas it's it's already being reintroduced so uh it got to the point where

they are going to struggle to make the debt payments because the problem with raising the interest rates is that it makes it harder for the United States to make its debt payments um and so so basically like they

have to pay that high interest rate when they raise the interest rates all of their debts interest goes up so when it gets to be too extreme to the point where they're borrowing I think it's a trillion dollars

every hundred days well now they're struggling to make those payments and the credit rating is downgraded and you see dollarization happening well now they're like okay we got to drop the interest rates back down what happens when they

drop the interest rates back down is they that it becomes cheaper to borrow money so they start printing more money so they're kind of stuck between a rock and a hard place where if they drop the interest rates

then it causes inflation to pick back up but if they raise the interest rates they can't pay the debt and so there's this this sort of seesaw where it's like okay do you want to inflate away the debt

which basically causes the market to crash up inflation gets worse inequality gets worse it's more politically unstable um people are struggling to make ends meat struggling to pay rent or do you want to raise the interest rates and

then now all of a sudden the solvency of the government the US government becomes a problem right now World governments are worried that the US May default on its debt May refuse to pay back its International debt um

so it's it's kind of a comp complex topic probably not the most interesting for my viewers as I could see but um yeah I mean I I think that a lot of expats this is kind of something that's

a that could cause a reckoning moment right a very difficult moment is if the US goes into serious economic turmoil um what does that mean for people relying on dollars right I mean if you're relying on a strong

currency rate a a strong currency exchange and and uh in that currency that exchange rate gets hammered what do you do do you downgrade uh your you know do you downgrade your um your standard of living right I

mean do you move to a smaller apartment you know do you eat cheaper food I mean there's a lot that could go wrong now I do think if the banks run into issues they'll get bailed out again um

we've seen that happen in 2008 I think it'll happen again if it becomes an issue but I think that's why they started dropping the interest rates is the banks started to have issues you saw some Bank collapses like

some of the tech banks for example and uh yeah I mean Warren Buffett has been dumping Bank of America stock he knows more than we do and so when I see him selling out of tons of Bank America

stock I do kind of Wonder you know like is there something we don't know the general public doesn't know that he knows because he's going to get access to uh privileged you know information and insight that the average

person is just not going to have access to so maybe there's something that we'll find out in the coming months that would help explain why he sold out of bank out of Bank of America maybe just the growth

in the stock made it outweighed in his portfolio or his accounts where he was like okay I need to rebalance um I'd love to get some inside there maybe I could read into the birkshire Hathaway uh meeting minutes

or you know their uh Financial reports that kind of thing cars says I cut grass after being laid off in my 40s I charg $25 a yard cut two yards an hour it impressed my next employer 50 an

hour plus benefits was my starting salary that's pretty good yeah you definitely um definitely got back on the horse uh 20 years later I retired with a pension there's no substitute for persistence and hard work yeah I I

unfortunately I don't think there's pensions anymore I think pensions have been really um just eliminated for most people except for the military if you go into the military you do get you you can get a solid pension I

know of a number of guys who have military pensions and they're very comfortable Bud Brown for example he's not military but he has a teacher at California teachers pension that he's using to he's actually back in California now

uh but he was over here for probably close to 10 years on his California teachers pension uh so you know there's there's definitely a lot of solid opportunities there if you are working for the government of course then

you got it come you have some challenges that come with working for the US government but um yeah What's um what's the weather like uh yeah profit sharing in 401K was substituted for pension yeah I mean that's that's

definitely a good point I do have a 401k and I've contributed to it uh for a couple of years and it's grown a lot I mean it's up it's up 20% over the last year so I mean yeah

my 401k is definitely growing a lot I don't intend on touching that unless I have nothing else to to uh pillage um if you know if the channel gets to a point where it's covering all my expenses then

uh I will be making contributions to Social Security so a lot of people have been asking me that how are you going to pay into social uh business owners can pay into social right so like how does a

small business owner collect Social well they just pay into it right uh so you can absolutely put money into Social Security you just make the payments and they add it to your contributions uh and that's fine I mean

they you know it's yeah I mean I think that now I do think that the payouts will be reduced I don't know that it'll be eliminated uh but I do think they'll restructure Social Security um in the future

because yeah because it's it's just going to they've been struggling with solvency for decades and I think that that's going to eventually come to come to a head you know people often ask how do you go broke well

I say you go broke slowly at first and then all at once so there's going to we're going to wake up one day and they're going to say ah Social Security is out of steam and we have to

accept smaller payouts I think they'll increase the contribution requirements as well think you'll have to pay in a lot more uh to eventually get access to that Beno hey man hey great to see you uh Buick says saw

your stream while getting ready for bed cold night here yeah it's cool here in Dum dumag Getti as well I definitely feel the breeze I love the cool nights I'm happy for the cooler weather I think here in

another month it'll be prime weather here in the Philippines we'll have that perfect weather that we've all been uh waiting for all year right I mean it is it's been a hot year maau says hey happy birthday thanks

so much maau I really appreciate your uh kind words car says we got a 75% match to our 41k I think I got a 50% match at my last employer um which was solid right I mean it's free

money definitely I recommend taking it if uh you're getting a match there I know some people have said it's a scam I don't think so I think it's just a matter of time um not something to totally count

on right I mean I my ideal when I hit traditional retirement age is to have social security have my 41k uh have my IRA and um yeah and have like a business right so that's four streams of income

or four well technically three streams of income and then a pot of money in the 401K it's a little bit complex but yeah I want to be able to draw from many different sources Buick says when I was

in Manila Jamie says Jamie Diamond arrived in Manila he got a Rockstar welcome in BGC wow that's surprising I need to look that up um wow yeah so he's investing in Manila BEC or in the Philippines yeah because

he knows that uh the Philippines is a rapidly growing economy and you've got a lot going for this country it's young population it's uh yeah I think uh yeah that's great calling that out Buick and I'll be sure

to read more about his visit to the Philippines uh my primary bank is JP Morgan so that's well that's I should say that's one of my primary Banks um I've been with them for years now and they uh

they've been they've been decent to me um yeah they've been decent to me very convenient locations I used to live three blocks away from one in uh when I lived in s near San Francisco and I was able

to go down there all the time I'd go there on my lunch break because that would be when their Lobby was empty if I went after work they were always packed but they've been good to me they haven't

threatened to shut me down uh like betterman has betterman has threatened to shut me down so for those who have thought about using betterment they are telling me hey if you don't go back to the US in February

or March we're going to shut you down uh so be aware of that if you want to start an account with betterment they're not expat friendly uh whereas my experience with JP Morgan has been they they have not

sent me a letter I've been gone for over a year and not gotten any threats from them not getting any uh you know nasty words for them betterman didn't even explain to me they just said hey we're going

to sh like they just started a chat saying yeah we're going to shut your account down didn't explain anything I go and reread the title and I'm like what the heck and so I just started chewing their customer

service out I was just like this is ridiculous you should explain this to me um you have basically just sent me an email telling me how you're going to shut my account down without giving me any for warning

without giving me any explanation um and now I'm having to work because I've got some money tied up with them now I've got to figure out where that money is going to go because obviously I can't trust you

with it so um yeah it's it's really don't use betterment if you're going to live overseas for a long time maybe if you're in the US you don't intend on becoming an expat you're watching my channel for whatever

reason then maybe betterment is not for you but um or the maybe better is for you but yeah if you want to do this I'd find somebody else I've been happy with Schwab been happy with JP Morgan um

I don't think I have any other major bank accounts um that I use actively but yeah uh I haven't been to BGC overrated videos I mean BGC is a business district so um it's a big part of the

BP industry uh I I disagree about BGC being overrated I haven't been to BGC I think that it's fantastic um I think the idea that the Philippines wants to create a business district where they can have boo centers

I actually actually almost I could technically uh if I go back to uh I'm not going to share details about it but um definitely there are opportunities in BGC and I'm a fan um wow vano thank you so

much for joining the membership I really appreciate your support uh that's yeah that's very generous of you thank you so much for helping to make the channel happen uh and yeah greatly appreciate your support it's it's yeah it's

it's humbling to get that support and yeah I'll keep working hard to put out content for you guys and share my insights and um share some of the things that I've noticed some of my observations it's uh it's

definitely welcome and I I'm going to start I want to do more members only live streams so uh my general public streams will be less frequent as you can already tell and then I'll do more stuff for the

members because I feel like I could just be um I can talk about different things may be too spicy for the general public um also it really cuts out of the trolls right because I do have a few

trolls um and I think they they could just be kind of annoying they don't hurt my feelings it's just like distraction right and I want to be as focused as possible to bring you guys as much value as

possible so thank you so much vano for your uh joining the membership so yeah members only live streams probably the best value I can provide for my members I'm also going to do I'm so one thing I'm not

going to do for the members anymore is uh Members First so I've noticed and I've talked to friends about this if I do videos Members First it Nerfs the video for whatever reason it just destroys the distribution of

the video because what happens is I put it Members First and my members who are very generous and watch it watch it and then it goes four or five hours maybe 24 hours where nobody else watches it so

then when YouTube goes to distribute it they're like look nobody watched it only five people watched it in the first 24 hours nobody cares about this so there I I that's one thing I have to stop doing I

hope you all understand uh but it's it's not a major penalty in my opinion uh now sorry to and so I got a a distraction but um yeah so you will get members only streams you will get members

only videos I have some ideas for some stuff that I want to do that will be members only um and so yeah those will be available I yeah so thank you so much for your support but yeah I

think BGC is great it's not for everybody it's not within everybody's budget right I mean BGC is some of the most expensive places one of the most expensive places in the country as far as rental prices as far

as food prices you're paying a premium to get a western lifestyle now do I think it's necessary to live there no I don't think so at all I think that it's really appealing to a few people one expats

with money if you come from a wealthy background and you want a high standard of living and you've got the budget to rent a condo in a tower and to be going out to the nice restaurant spending time

in the shopping malls um then yeah it's a big appeal too if you've got an xat job right if you're working for a multinational corporation uh in Metro Manila BGC is probably going to be a decent location to

commute from uh three if you need health care right if you need top quality health care if Health Care is a major concern for you uh then being in BGC is going to offer you the best health care

in the country or at least proximity to the best health care in the country um four if you need to if you're an international traveler if you need to fly to other countries in Southeast Asia uh BGC or

toig that area not too far from the airport compared to say Northern Manila um compared to Northern Luzon you're you got proximity to the airport so I don't see any placees being overrated or underrated I think it just

comes down to the individual I mean I can't tell you how many people told me dumag Getti is overrated I think DTI is accurately rated I love this city uh so many people told me oh don't go there

don't go there H so many expats dretti I love the conveniences here the people are nice the people are interesting I meet people here from all over the Philippines there's this presumption everybody in Dum magetti is from a

foreign country no there's people that come here from all over for work one of my friends uh one of my new friends who's been seeing me around town he actually introduced me uh introduced himself to me and we've

been chatting a bit I'd like to interview him because he's working in the BPO industry he's from Deval so he's not even from um this he's from Deval City but he came here for opportunity um the uh there's

a lot of people here from all over the country so it's a misnomer uh that some places are overrated or underrated I think it just comes down to the person if you want a small town Vibe doag Getti

as that if you want the BGC Vibe here yeah you'd find it overrated if you were looking for a large city environment um Buick says look it up literally Filipina professional educated women are screaming yeah they recognize him

because he's um you know he's such a successful businessman right I mean he's leading the largest bank in the world under incredible amount of pressure I think he actually had a major heart incident a couple years ago and

had to have surgery for that and they were really worried about him I can't imagine the pressure he's under to deliver value to shareholders U but he's done great I mean look at JP Morgan's stock it is perform

per Med like wildfire I mean it's it's incredible how well it's performed uh cars says do you think Philippines laws making these things are better than America's laws I think it's a good environment for raising a family um

yeah I you know I don't comment U on that uh you know that's just out of my wheelhouse I I do not ever comment or talk about that uh it's none of my business right I'm not uh yeah

I have no Authority there and um no comments on that I I don't talk about the politics of any foreign country I only am willing to talk about that in regards to United States where I am from uh

as far as I'm concerned it's none of my business and I have don't have the play to to speak on that cars but yeah I mean JP Morgan really efficient I've been happy with the service there as far

as an expat goes and I I know I don't think that you can open up an account here you you can't use the same account because I was curious about that uh some years back four years ago when

I was in Thailand I was curious about opening up a City bank account in the US to try to use one in Thailand but they are separate I am actually going to be opening an account a bank account

probably next week so I found that there's a bank Kieran dagi that I can open an account with and that way I can transfer money via wise and that'll save me on fees uh some people assume that with

Schwab you don't pay ATM fees but you do pay on the exchange rate so you pay on the exchange rate and um it's kind of hidden it's more hidden whereas if I use wise to transfer money to my

Phil pH bank account they are more transparent with the fees they lay the fees out you can see what you're paying uh and then you know you don't have to wait right I mean like you do have to

wait with wise but I could just go down to my bank account as opposed to well I think I could open a gcash account it opens up a lot of possibilities so I'm personally a fan I know some

people are not I'm a fan of having bank accounts overseas if you're going to be living overseas uh some people think it's a bad idea I do think you need to be careful how much money you put in

there but uh it's um I think it's it's just a convenience factor and I think there's some things like one area that I I think would help me now this is a minuscule amount of money right but it

would help me with buying load right because I pay a 3% fee when I buy load for my phone whereas if I was doing it direct from a bank account uh then I don't think I would have to

pay that fee I think I'd be able to transfer the money direct from my Philippines bank account to GL uh Globe I use globe service for my cell phone uh and just go ahead and skip that so and

it's also ease of access like I have to go to the mall to load to get to by load and if I could do it just with my phone with my bank account there might be some days I

don't want to go to town to deal with that and so I could just do it here at home which would be really nice um I don't you know it's not a major deal but everything I could do

to save myself little bits and pieces of time here and there is great because in the Philippines it's not of often that it's all it's not necessarily that doing the thing is going to take a lot of time

it's that getting to that place is going to take some time and then okay I've got to get lunch because I'm in town okay now that's going to take time okay now I've got to do the thing which

takes time don't know how long that thing's going to take to do and then I've got to get home and I don't know how long that's going to take so sometimes when you kind of combine um trips or

combined tasks then that can be really helpful oh one one other thing when it comes to business I do think that I'll be doing my first consult here pretty soon I'd like to ask uh the person be doing

that with to provide a testimonial and that way I could just kind of U I could share the value that I'm able to provide and uh I know that you know when I put that poll out a bunch

of people were curious but they don't know what that would provide we'd be able to detail hey this is what we're going to do this is the goal of doing that this is what we hope to achieve uh

and then you know I I know some for some of you there's no value in it right you're over here living here you're traveling you don't need that Insight uh but I do know that for some of you

it's going to help you narrow down the country you want to live in it's going to help you to uh figure out the lifestyle you want what that's going to cost budget wise so yeah I thought I just

plugged that that that's something that's in in the works um I'm basically uh you know trying trying to figure out different ways to provide value because it's the topics of my videos there's so many topics I can get

through and they may not be relevant to you immediately right I mean you be you may be wanting to move abroad in the next six months and you don't care about condescension you don't care about jealousy or Envy

you're just like how do I get over there and so that would solve those problems that would help some people move forward and give them that personalized attention but of course not a requirement I just wanted to plug

that but yeah what's everybody getting into into this week um Chris says have you visited Cambodia uh yeah Chris so I like Cambodia a lot um it's uh it's it was fantastic so I sorry I was just checking

because I dropped a video about an hour ago um so yeah so I visited Cambodia four years ago I spent time in penom pen I love it I think it's a cool Town it reminds me of New Orleans

it's a yeah it's a beautiful Vibe it's um the people are s okay it's most generic comment ever the people in Cambodia are super friendly I like the international Vibe Cambodia like especially in penom pen you have people

from all over the world and it really gives it an international feeling I tried Malaysian food for the first time uh in Cambodia which was fantastic my buddy took me to a Malaysian Buffet um what else um I

do want to go to CM re so you have Anor watt there um and then what else um the let's see yeah there's a lot of cool stuff there I mean to me it's it's got like it's a

Charming place um the population is not quite so large as some of the surrounding countries so uh yeah sorry Chris I'm just getting distracted there's a million things going on um but yeah um Cambodia is a really fun

one there's a lot of fun stuff to do and uh I'd recommend checking it out for sure it's you know the challenge with Cambodia is I personally found it to be pricier than the neighboring countries because everything there

is double imported right so everything in Cambodia is first usually imported to Thailand or Vietnam and then imported again into Cambodia but uh the temples are beautiful there there's some really nice temples and there's a Royal Palace there

in uh penom pen um and then what else um the river the river is great if you like cruising or taking like you know kind of the uh trying out a river cruise I think it's a great option

for you um yeah it's it's eclectic I mean I like the architecture the architecture the kind of the French style architecture is really really cool it's got an it's got a unique Vibe I think it's super Charming I

like that it's it doesn't have the big city feeling like Bangkok or Manila um you still get the capital city feeling but it feels more small town I'd love to go back it's high on my list and it's

um it's yeah Cambodia is one I think it doesn't get as much visitors as the neighbors especially penom pen I think most people go direct to CM re but I do think that when you go to penom pen

you do get that sense of wow you didn't go to Bangkok or hoi Min City you came here so people are really enthusiastic they're curious to meet foreigners I found the English to be um like pretty good I

mean it you know I wouldn't call it perfect but especially in the city center then the English is is really um really strong um and the Cambodian people are awesome and it's um I found them to be S

the people there to be super welcoming I mean one of my friends that I still stay in touch with she owns a hotel next to the airport and I went over there before my flight like five or six

hours before my flight because I didn't want to miss my flight and she made me this amazing chicken soup and I had two bowls of it and she also served me some great coffee the coffee in Cambodia is

underrated it's a it's a chill place you know to me it's not necessarily a place where you're going to go to like a Bangkok and have all these crazy big city attractions and the shopping malls and the shows

and the m and you know all this different stuff it's it's more lowkey it's more I find it very a calming place to me it might be the most calming City in Southeast Asia that I've been to and

I've been to most of the the big cities in Southeast Asia not all but most of them and it's uh I mean some of that suit a population it's got a smaller population than a lot of the other

capitals but uh just a really chill Vibe and and uh I enjoyed the tourists I interacted with I know some people you know um may feel differently but the people I met were like yeah I came here specifically

to enjoy the city to enjoy the unique Vibe I'd love to go back to Cambodia it really impressed me a lot and um yeah it's just eclectic and I remember too when I landed in penom pen 5 years

ago at the airport the ride into town from the airport was just wild I mean I saw I I felt like I was going in slow motion I saw chickens and like CTS and tricycles and people riding bicycles

down the road and it was like where am I I mean it was just total sensory overload so yeah I'm a fan of of Cambodia I'd love to go back next time I go I would like to go

to CM reap um before I go to CM reap I think I would like to do India so we'll see I think the Indonesia is really appealing it's high on my list maybe next trip to Southeast Asia I

do Indonesia and then I do CM reap and then come back to the Philippines we'll see how that goes I do think the Philippines is going to dominate my future in Southeast Asia uh there's just I mean it's

just so easy right every most people here speak English uh there's a lot of activities of course I've made a lot of friends here which is probably toward the top of the list um but yeah uh Buick says

yeah I I agree Buick um I I don't ever comment on laws or rules of any country besides the United States it's none of my business it's not my place uh I just totally avoided it not a subject

that I cover on this channel uh until when we will be staying in the Philippines and where's the next stop after the Philippines great question M so it kind of depends I mean if if YouTube really gets going

and rolling I mean I could be here for another two and a half years um before needing to leave and re come back in I think that the more straightforward option is to go back to America and work

save up money do another trip uh so America may be next unfortunately um I don't really want to go back to America I don't really like living in America but it's the Practical solution it's the practical decision and

uh yeah I mean it's not the worst place to go back to I'm just not looking forward to the crime I'm not looking forward to the chaos I'm not looking forward to the uh Division A lot of people

are really unhappy in America right now I just can tell when I talk to people back home there's this kind of manic agitated energy that people have and um it's you know it's a place to make money that's

that's really what draws people to America I think these days is that they know they can go make money there um it's what has me going back honestly it's it's not uh not a lot of other reasons if

I'm going to be honest so yeah I I lean toward going back to America next um but yeah I'll be keeping my eye out for the next um next trip abroad uh Happy Birthday Alex thank you so much

Joe I really appreciate that that's very kind of you to say and thank you so much for being a channel supporter but guys I'm getting pretty tired I'm probably going to wind down in the next few minutes and

um yeah any last thoughts or questions people wanted to share or um it's just getting kind of late here and I've got a big day tomorrow Jesse says good luck to you thank you so much Jesse I really

appreciate that I know everything's going to work out in the end it always does uh it's just a matter of getting there Jesse says I too someday would like a remote job yeah Jesse I absolutely agree it's a

great opportunity oh thank you so much well that's great to see you um yeah uh appreciate the kind birthday wishes how will you celebrate your birthday tomorrow and do MTI yeah so um uh tomorrow I may be meeting

some friends for coffee in the morning and then um will one of my good friends here um somebody I did an interview with and I actually I'll probably get on that actually after the after I wind the stream

down uh he's mentioned you know birthday lunch so I might uh take him up on that and go have lunch with him and then I think in the evening I'll go and and just hang out on the Boulevard

and do maggetti with some friends uh Jesse says oh and happy birthday tomorrow thank you so much Jesse that's so kind um Lex says I knew you were Libra like me happy early birthday thank you so much everybody

I really appreciate it I normally I would do one tomorrow but uh tomorrow I've got to prepare for this interview at this big company so that'll be I'll be doing that tomorrow evening but um yeah and uh yeah

well thanks so much everyone if you're watching a repeat of this stream feel free to comment down below uh let me know what you think if there's any topics you'd like for me to cover give us a thumbs

up if the content has been helpful for you and please subscribe to the channel down below if you want to see more content like this and we'll see you soon thanks so much everybody