When I was in Manila last September, I have a boardmate who is a seaman who worked abroad for more than ten years already. I was surprised to know that he has no savings. I realized that having big income alone will not give you time and money freedom. This is my question to our fellow Filipinos who work abroad, do you have the financial education that gives you time and money freedom. When I say time and money freedom, you have the following: - More time to your family ...