Dear David,

I’m writing all the way from Manila, Philippines. I’d like to share a success story of my father, Joaquin Sy, who is turning 61 on June 8 this year.

My dad is living proof that it’s never too late for anyone to start late and yet still manage to finish rich. My dad never had a high-paying job, no luxury sports car, no property to speak of, no trips abroad.

Just a year ago, at age 60, he couldn’t dream of retiring any time soon, not in the next 5 or 10 years. But all that changed last year, when he was 60 years old. It has been a good year for him selling condominiums. What’s inspiring was his decision to place his commissions as downpayment for a new house – his first. He could’ve spent it on other stuff like a new entertainment system, a trip abroad, a new car, but he didn’t. He honestly knew that he had to prepare for his retirement and that was the time to do it. As of the moment, he’s paid off 50% of the property. While his other sales agents have unwisely spent their commissions on non-essentials, my dad has gifted himself, and us, his family, with something that lasts – property and the peace of mind that goes with it.

Thank you for the work that you do. You have gifted us with the ability to secure our future, through practical, solid financial advice.

Namaste,