ALMS Blogger

Jesus promised us an abundant life in John 10:10. He also gives us wisdom on achieving that.

What if forgiveness doesn’t mean what you’ve been told?

We’ve all had someone living rent-free in our heads—an abusive parent, a toxic ex, or a backstabbing friend. But real forgiveness isn't about forgetting, blind trust, or forced reconciliation.

In this video, we break down what biblical forgiveness actually looks like, how to hand justice back to God, and how to protect your peace with wisdom.



DISCLAIMER:
The videos on this channel are for educational and/or entertainment purposes. They do not constitute health or financial advice. Trong Phan does not provide any sort of recommendations on ALMS Blogger, and those who are looking for health and/or financial advice should consult with a registered professional. Trong is not responsible for any health or investment actions taken by viewers.

Jesus promised us an abundant life in John 10:10. He also gives us wisdom on achieving that.

Are bonds in retirement a trap? 📉 Most financial advisors tell you to de-risk into bonds as you age—but 2,500 years of global market data suggests a 100% globally diversified stock portfolio could be the better play.

In this video, we break down Scott Cederburg’s landmark 2025 study, why the 40-year bond bull market was a historical fluke, and how dynamic spending guardrails can protect your retirement from sequence of returns risk and inflation.

📌 Key Topics Covered:

Why traditional bond portfolios are failing retirees

The truth about 120 years of real bond returns

Volatility vs. Shortfall Risk in retirement

How dynamic guardrails make an all-equity portfolio work

💬 Question for you: Are you sticking to a traditional bond allocation, or are you holding 100% equities in your portfolio?



DISCLAIMER:
The videos on this channel are for educational and/or entertainment purposes. They do not constitute health or financial advice. Trong Phan does not provide any sort of recommendations on ALMS Blogger, and those who are looking for health and/or financial advice should consult with a registered professional. Trong is not responsible for any health or investment actions taken by viewers.

Jesus promised us an abundant life in John 10:10. He also gives us wisdom on achieving that.

Is the World Economic Forum's vision of "owning nothing" a convenient future or a techno-feudal nightmare?

In this video, we break down the truth behind the WEF's famous 2030 prediction, why subscription culture and "product-as-a-service" are sweeping the economy, and the dark reality of centralized corporate power. More importantly, we look at human nature, sin, and why human-led utopias always fail—contrasting corporate "perpetual renting" with biblical stewardship.

Learn why true freedom isn't found in possessing everything or renting from a conglomerate, but in recognizing that everything belongs to God.

📌 Key Topics Covered:

The origin of the 2016 World Economic Forum quote

Subscription economy: Convenience vs. Corporate Control

The Stanford Prison Experiment & human nature

Animal Farm & Orwellian power dynamics

Biblical stewardship vs. corporate ownership



DISCLAIMER:
The videos on this channel are for educational and/or entertainment purposes. They do not constitute health or financial advice. Trong Phan does not provide any sort of recommendations on ALMS Blogger, and those who are looking for health and/or financial advice should consult with a registered professional. Trong is not responsible for any health or investment actions taken by viewers.

Jesus promised us an abundant life in John 10:10. He also gives us wisdom on achieving that.

I roast real estate all the time—so why do I own multiple properties? Am I a hypocrite? 🏠👇

While real estate isn't a get-rich-quick scheme, there are 5 specific scenarios where owning a home is an absolute game-changer for long-term wealth, tax efficiency, and psychological stability.

In this video, I break down:
✅ Why a 10-year horizon protects you from short-term market crashes
✅ How to leverage the Canadian FHSA and the Principal Residence Exemption for tax-free growth
✅ Shorting the dollar using inflation and re-advanceable HELOCs
✅ Forced savings vs. impulsive spending
✅ Passing down tax-free generational wealth to your kids

Before making major housing decisions, ensure your strategy fits your overall financial plan by consulting with a Certified Financial Planner (CFP). Seeking true wisdom leads to an abundant life!



DISCLAIMER:
The videos on this channel are for educational and/or entertainment purposes. They do not constitute health or financial advice. Trong Phan does not provide any sort of recommendations on ALMS Blogger, and those who are looking for health and/or financial advice should consult with a registered professional. Trong is not responsible for any health or investment actions taken by viewers.

Jesus promised us an abundant life in John 10:10. He also gives us wisdom on achieving that.

Stop trying to wipe out your shame, guilt, or fear. 🛑 In this video, we uncover why these uncomfortable feelings aren't meant to be hidden—they're actually warning lights pointing to a deeper truth about your identity.

Watch to learn why protecting your self-esteem won't save you, how facing objective truth changes everything, and how aligning your mind with God's will breaks the cycle of shame for good.



DISCLAIMER:
The videos on this channel are for educational and/or entertainment purposes. They do not constitute health or financial advice. Trong Phan does not provide any sort of recommendations on ALMS Blogger, and those who are looking for health and/or financial advice should consult with a registered professional. Trong is not responsible for any health or investment actions taken by viewers.

Jesus promised us an abundant life in John 10:10. He also gives us wisdom on achieving that.

Is buying an investment condo really the best way to help your kids build wealth? Let’s look at the numbers.

Over the last three years, high interest rates, rising strata fees, and slumping presale values have left many Canadian property investors facing total economic losses of up to 25%. Meanwhile, a low-cost, globally diversified market-weighted index fund returned roughly 40% over the same period.

That creates a massive 65% performance gap—proving that tying up your capital in illiquid real estate might be doing your children more harm than good. Watch to learn why equity indexing offers a more tax-efficient, liquid, and stress-free alternative for generational wealth creation.



DISCLAIMER:
The videos on this channel are for educational and/or entertainment purposes. They do not constitute health or financial advice. Trong Phan does not provide any sort of recommendations on ALMS Blogger, and those who are looking for health and/or financial advice should consult with a registered professional. Trong is not responsible for any health or investment actions taken by viewers.

Jesus promised us an abundant life in John 10:10. He also gives us wisdom on achieving that.

Ever feel like God is silent when you need Him most? You’re not alone. In this video, we break down why God’s silence isn't what it seems—and what happened when I asked Him to reveal my future wife in a dream!

Discover why we often expect the wrong things from God and how understanding His true voice in Scripture changes everything.



DISCLAIMER:
The videos on this channel are for educational and/or entertainment purposes. They do not constitute health or financial advice. Trong Phan does not provide any sort of recommendations on ALMS Blogger, and those who are looking for health and/or financial advice should consult with a registered professional. Trong is not responsible for any health or investment actions taken by viewers.

Jesus promised us an abundant life in John 10:10. He also gives us wisdom on achieving that.

Are you holding cash right now or sticking to your DCA strategy despite high valuations? Let's discuss below! 👇

The S&P 500 CAPE ratio just crossed 40—nearing Dot-Com bubble levels. Does a high Shiller P/E mean an imminent market crash, or are doomsayers missing the bigger picture? Here’s why high valuations don't mean you should panic sell.

DISCLAIMER:
The videos on this channel are for educational and/or entertainment purposes. They do not constitute health or financial advice. Trong Phan does not provide any sort of recommendations on ALMS Blogger, and those who are looking for health and/or financial advice should consult with a registered professional. Trong is not responsible for any health or investment actions taken by viewers.

Jesus promised us an abundant life in John 10:10. He also gives us wisdom on achieving that.

Why do nearly 40% of marriages end in divorce? The problem isn't the sincerity of our vows—it's where we look to refill our tank. Discover the ONE marriage vow that changes everything.

📖 SCRIPTURE REFERENCES:
• 1 John 4:19 — "We love because He first loved us."
• Romans 8:38–39 — Nothing can separate us from the love of God.

💡 KEY TAKEAWAY:
Marriage isn't a closed circuit—it's a conduit. When you stop expecting your spouse to be your ultimate source of love and anchor yourself in God's infinite supply first, you can love unconditionally—even when your own tank feels empty.

DISCLAIMER:
The videos on this channel are for educational and/or entertainment purposes. They do not constitute health or financial advice. Trong Phan does not provide any sort of recommendations on ALMS Blogger, and those who are looking for health and/or financial advice should consult with a registered professional. Trong is not responsible for any health or investment actions taken by viewers.

Jesus promised us an abundant life in John 10:10. He also gives us wisdom on achieving that.

Most people follow the standard 4% withdrawal rule, but blindly following it means an 80% chance of dying with millions in unspent wealth. Unspent money isn't a badge of honor—it’s unspent joy!

In this video, discover The Scheduled Meltdown Rule. By splitting your retirement into 3 dynamic energy cycles—Go-Go Years, Slow-Go Years, and No-Go Years—and using an annual PMT calculation, you can unlock dramatically higher spending in your prime active years.

Instead of capping yourself at $40,000/year on a $1M portfolio, see how you can safely spend over $98,000/year during your Go-Go decade!

DISCLAIMER:
The videos on this channel are for educational and/or entertainment purposes. They do not constitute health or financial advice. Trong Phan does not provide any sort of recommendations on ALMS Blogger, and those who are looking for health and/or financial advice should consult with a registered professional. Trong is not responsible for any health or investment actions taken by viewers.