REAL DECISIONS.
REAL FILIPINOS.
These are real dilemmas that real Filipinos brought to DECISION. The six steps, laid out fully. The answer, given plainly. No hedging. No “it depends.”
BGC vs Makati. OFW go or stay. ₱3,500 vs ₱18,000 clinic. Pawnshop or bank loan. The barkada dinner no one could decide. These decisions were made. You can see how.
6
Case studies
5
Desire categories
100%
Decided. No bahala na.
The full dilemma
“Two job offers. BGC at ₱85K requires renting near the office or commuting 3 hours daily from Cavite. Makati at ₱65K — I live at home. My family says take the higher salary. My gut says no. I cannot explain why.”
STRIP
The real question is not which salary is higher. The real question is: which offer produces more money in your pocket after all costs — and which life do you actually want to be living in six months? Your gut already knows. I am providing the math to confirm it.
ANCHOR
The anchor is net disposable income — not gross salary. What remains after rent, transport, food, and the time cost of commuting is the actual compensation. Everything else is a number on paper.
REDUCE
Path A: BGC ₱85K — rent near office ₱15,000/month, food ₱6,000, transport ₱1,500, incidentals ₱3,000. Net: ₱59,500 before sending remittance. Path B: Makati ₱65K — live at home, transport ₱2,500, food ₱2,000. Net: ₱60,500 before remittance. Two hours of daily life back.
WEIGHT
BGC Path A: ₱59,500 disposable. Minus family remittance ₱10,000: ₱49,500 kept. You are also paying 3 hours per day in time — 60 hours per month — that you will not get back. Makati Path B: ₱60,500 disposable. Minus remittance ₱10,000: ₱50,500 kept. Plus your evenings.
DIRECT
Take Makati. The BGC offer is a ₱85K salary that pays you ₱49,500. The Makati offer is a ₱65K salary that pays you ₱50,500. The math already decided. You were right. Your gut was doing math faster than the number on the offer letter.
REMOVE
If the BGC role offers clearer career advancement in 18 months — promotion track, skills, network — that changes the anchor. But if both roles are equal in growth, Makati is the answer. What does the BGC role offer beyond the salary number?
The Decision
Makati. ₱65K at home nets more than ₱85K with rent. Take the offer that gives you ₱50,500 and your evenings back.
What happened
The person took Makati. Six months later they had saved ₱180,000 — more than any BGC scenario would have allowed.
The salary is not the compensation. The net is.
Similar to your situation?
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YOUR TURN.
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