The BGC Offer Is Not What It Looks Like
The salary is ₱85,000. The salary you take home is ₱49,500.
Two job offers arrived in the same week. BGC at ₱85K. Makati at ₱65K. The family said BGC, obviously. The math said otherwise. After rent near the office (₱15,000), transport (₱1,500), food differential (₱4,000), and incidentals — the BGC ₱85K produces ₱59,500 disposable before remittance. The Makati ₱65K, living at home with ₱2,500 transport and ₱2,000 food costs, produces ₱60,500. Plus sixty hours per month of your life back from not commuting. The higher salary was paying less. The gut was right. The math just confirmed it.
The decision
Take Makati. The number on the offer is not the number you keep. Know the difference.
Gross salary is a marketing number. Net disposable is the real one.