# GOALS

> Last updated: 2026-04-30

## The Number
**500-700k PHP/month total income by Q1 2028.**
Stretch: pull into Q4 2027 if the side business outperforms.

## Why This Number
- Stop being one sickness away from poor.
- Marriage in 2029 needs a real foundation, not a hope.
- Buy back my parents' time. They are getting old; I want them to stop working.
- Long-term: properties, Tagaytay-grade living, travel, give my girlfriend and parents the lifestyle I keep promising.
- Income freedom: not chained to a single paycheck.

## Current State (April 2026)
- Full-time AI Head: 130-150k PHP/month gross. Promoted Sep 2025. Managing 4 reports since March 2026. 1-year evaluation in May 2026.
- Side gig: 5-7 hrs/month at $25/hr (~7k PHP/month).
- Cash: ~400k PHP.
- Stocks (IBKR): ~270k PHP.
- Lent to mom's lending business: 300k PHP (active).
- Monthly burn: ~50k PHP. Savings rate ~60%.
- Side business: not started.

## The Stack (How 500k+/month gets built)
1. **Job income**: push to 250k+ this year, ceiling 300-400k by 2028.
2. **Side business**: Facebook automation (tentative, pending Chess Moves session). Target 50-150k/month by Q1 2028.
3. **Investment income**: compound savings into 3-4M PHP invested. ~25-30k/month passive by 2028.
4. **Forex**: backburner. Study only. No capital deployed until the rest is stable.

## Priority Ranking (revised, on paper and in real life)
1. Full-time job (cash floor, leverage in May eval)
2. Side business (moved up from #4 because the math demands it)
3. Investing / saving
4. Personal / health (floor, not a competing priority)
5. Forex (last)

## Non-Financial Goals
- **Ripped body by Q1 2027.** 3-4 gym days/week, no excuses.
- Engagement in 2029.
- Secure parents' future (concrete: get them off their jobs).
- Tagaytay-grade housing within 5 years.
- Hold the OG friend group.

## Deal-Breakers (off the table)
- No moving abroad.
- No face-on-camera public brand.
- No selling openly to friends or colleagues. Anonymous brands only.

## 90-Day Milestones (by end of July 2026)
- [ ] Comp conversation closed at **200k+ PHP/month** by end of May.
- [ ] Side business decision **locked** (Chess Moves session done) by end of May.
- [ ] Side business **v1 shipped or first revenue attempt** by end of July.
- [ ] **Ringfence 500k PHP of existing cash** as untouchable emergency fund by end of May.
- [ ] Body: 3-4 gym days/week starting now, every week, no zero-week.

## 12-Month Targets (by April 2027)
- Job at 250k+/month, locked in writing.
- Side business generating any real revenue.
- Ripped body achieved or visibly close.
- Cash + investments cumulative ~1.5M PHP.

## North Star (Q1 2028)
- Total income: 500k+/month.
- Emergency fund: 2M PHP cash.
- Side business: 50-150k/month.
- Investments: 3-4M PHP.

## Patterns to Watch (the failure modes)
- **Over-plan, under-ship.** #1 risk. Confirmed in real time during the goal-setting interview.
- **Idea-shopping under pressure.** When a timeline feels slow, the urge is to swap horses. Don't.
- **TikTok-driven business decisions.** Survivorship bias. Validate before commit.
- **Two-job fantasies.** Will not entertain.

## Open Decisions (each needs its own session)
- [ ] **Chess Moves: Pick the side business.** Stated preference: Facebook automation, based on TikTok success stories. Reasoning is currently weak (survivorship bias). Validate against real criteria (margins, competition, capital, time-to-revenue, fit with strengths) before committing.
- [ ] Re-examine side business shortlist against actual strengths. The "we make rooms fill up" pattern, real or not, points to presence-driven businesses (physical space, community, brand-led) over faceless automation. Validate before committing to Facebook automation.
- [ ] Comp negotiation prep doc before May eval.
- [ ] Track real expenses for 30 days. The 50k figure is a guess.
