1st, make sure that you already have something for you old age. like a pension fund with the reputable insurance companies. insular life, sun life, etc. at least pag tanda mo may pera ka kahit konti lang.

2nd, make sure that you know what you are going to do after coming home to the philippines. may business ka na bang papasukan? have you studied completely and thoroughly the ins and outs of the business? do you have a back-up plan if in case it does not succeed? can you fit your lifestyle with the earnings from that business?

3rd, are your children's future educational needs taken cared of already? forget about the educ plans, they help but surely as history of those plans go, they could not keep up with rising tuition fees. think more of a trust fund managed by yourself.

pareho tayo offshore pre. kayod ng kayod, save ng save. and plan din ng plan. saka taya din ng taya sa lotto kahit pa-sampu-sampu lang hehehehe!