According to a study by Social Enterprise Development Partnerships Inc., one out of every 10 Overseas Filipino Workers (OFWs) is financially broke, while 80 percent of OFWs return to the Philippines with no savings at all. This alarming situation causes financial distress due to the lack of proper financial education for many OFWs. Throughout this book, Jun Amparo will explain why personal finance is a timely topic not just for OFWs, but for every Filipino household. Some important topics addressed include: