If you ask a typical OFW what he would want to buy when he have money, the common answers would be House and Car. Most people borrow money just to build their dream house. After the dream house, they will buy expensive appliances, big screen TV, sound systems – the list goes on and will be never ending expenses. Sa liabilities lang napupunta ang pinaghirapan kapalit ng pagwowork ng ilang taon sa ibang bansa. The OFW then is trapped and forced to work overseas, specially if nag loan si OFW to build his house not to mention pa ung pinang bili ng appliances. Once the OFW returns to Pinas after several years of paying utangs for the house and appliances and if he has no passive income. He may need to work again overseas or worst pag may emergency naibebenta pa nla ung bahay nla.