💼 From Call Centre to Financial Freedom: Jay Adrian Tolentino’s Journey

Dubai-based Filipino financial coach, 38, targets early retirement by 55 through disciplined investing and coaching.

Key Highlights:

• Began as a call centre agent in the Philippines; modest start in Dubai at Dh3,700/month

• Founded Free Before Sixty Coaching, helping high-earning expats streamline finances for early retirement

• Investment strategy: Vanguard LifeStrategy index funds (80% stocks / 20% bonds), plus disciplined savings & low expenses

• Early lessons: avoid market timing, crypto speculation, and illiquid assets

• Household finance: pooled income, minimal debt, 9–12 months emergency fund, value-aligned spending

• Vision: passive income supporting family, semi-retire wife, and impact through financial literacy initiatives

Tolentino’s story showcases how disciplined investing and intentional planning can turn modest beginnings into long-term financial independence.

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