Efren Ll. Cruz

Efren Ll. Cruz

28 Articles Published | Follow:
Why self-control alone fails in personal finance 
Why self-control alone fails in personal finance 

An optimist’s guide to investing in 2026

All is calm, AI’s bright
Christmas presence over presents
A message for HR practitioners
Tacky pickup lines of planners
My own tax-exempt retirement fund?
A tax-exempt business?
Do you have ‘debt asthma’?