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		<itunes:summary><![CDATA[The ATRAM Game Changers podcast is dedicated to exploring the journeys, insights, and innovations of leaders and pioneers across various industries. It delves into the stories behind individuals who are revolutionizing their fields and shaping the future.<hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
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			<title>Ep. 10: How to Inflation-Proof Your Finances (Featuring Chelsea Dy)</title>
			<itunes:title>Ep. 10: How to Inflation-Proof Your Finances (Featuring Chelsea Dy)</itunes:title>
			<pubDate>Tue, 09 Jun 2026 11:00:00 GMT</pubDate>
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			<description><![CDATA[<p>Your money is losing the inflation battle. This episode is how you start winning.</p><p>&nbsp;</p><p>Prices are rising. Markets are unpredictable. And your savings account? It's quietly falling behind.</p><p>&nbsp;</p><p>In this episode, we sit down with Chelsea Dy, content creator, financial advisor, and someone actively building wealth on her own terms — to talk about what it actually takes to take control and inflation-proof your finances in 2026. Chelsea shares the practical habits, mindset shifts, and strategies that have helped her grow her wealth while pursuing her goal of early retirement.</p><p>&nbsp;</p><p>What you'll take away:&nbsp;</p><p><img src="https://fonts.gstatic.com/s/e/notoemoji/17.0/25fe/72.png">&nbsp;Why budgeting alone is no longer be enough in today's economy</p><p><img src="https://fonts.gstatic.com/s/e/notoemoji/17.0/25fe/72.png">&nbsp;Where your money can potentially grow beyond a traditional savings account</p><p><img src="https://fonts.gstatic.com/s/e/notoemoji/17.0/25fe/72.png">&nbsp;How to build an investment portfolio that can withstand market uncertainty</p><p><img src="https://fonts.gstatic.com/s/e/notoemoji/17.0/25fe/72.png">&nbsp;Why global events shouldn't stop you from investing with confidence</p><p><img src="https://fonts.gstatic.com/s/e/notoemoji/17.0/25fe/72.png">&nbsp;The long-term benefits of inflation-proofing your finances today</p><p><img src="https://fonts.gstatic.com/s/e/notoemoji/17.0/25fe/72.png">&nbsp;What a practical and resilient financial plan looks like in 2026</p><p>&nbsp;</p><p>Because here's the uncomfortable truth: <strong>inflation is not waiting for you to feel ready.</strong> Every day that passes without a plan, the gap between where you are and where you want to be quietly widens.</p><p>This is the financial conversation you didn't know you needed. <em>Practical. Personal. Built for right now.</em></p><p>&nbsp;</p><p><strong>Follow Chelsea:</strong></p><p>Instagram: @chelsea_dy</p><p>TikTok: @chelsea_dygital</p><p>YouTube: chelsea_dygital</p><p>&nbsp;</p><p><strong>Follow ATRAM:</strong></p><p>Website: <a href="https://atram.com.ph/" rel="noopener noreferrer" target="_blank">https://atram.com.ph/</a></p><p>Facebook:<a href="https://www.facebook.com/atrassetmanagement" rel="noopener noreferrer" target="_blank"> facebook.com/atrassetmanagement</a></p><p>Instagram: @atram_ph</p><p>LinkedIn: <a href="https://www.linkedin.com/company/13325005/" rel="noopener noreferrer" target="_blank">linkedin.com/company/13325005</a></p><p>Subscribe to ATRAM Game Changers for more insightful conversations with experts on investing and personal finance.</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>Your money is losing the inflation battle. This episode is how you start winning.</p><p>&nbsp;</p><p>Prices are rising. Markets are unpredictable. And your savings account? It's quietly falling behind.</p><p>&nbsp;</p><p>In this episode, we sit down with Chelsea Dy, content creator, financial advisor, and someone actively building wealth on her own terms — to talk about what it actually takes to take control and inflation-proof your finances in 2026. Chelsea shares the practical habits, mindset shifts, and strategies that have helped her grow her wealth while pursuing her goal of early retirement.</p><p>&nbsp;</p><p>What you'll take away:&nbsp;</p><p><img src="https://fonts.gstatic.com/s/e/notoemoji/17.0/25fe/72.png">&nbsp;Why budgeting alone is no longer be enough in today's economy</p><p><img src="https://fonts.gstatic.com/s/e/notoemoji/17.0/25fe/72.png">&nbsp;Where your money can potentially grow beyond a traditional savings account</p><p><img src="https://fonts.gstatic.com/s/e/notoemoji/17.0/25fe/72.png">&nbsp;How to build an investment portfolio that can withstand market uncertainty</p><p><img src="https://fonts.gstatic.com/s/e/notoemoji/17.0/25fe/72.png">&nbsp;Why global events shouldn't stop you from investing with confidence</p><p><img src="https://fonts.gstatic.com/s/e/notoemoji/17.0/25fe/72.png">&nbsp;The long-term benefits of inflation-proofing your finances today</p><p><img src="https://fonts.gstatic.com/s/e/notoemoji/17.0/25fe/72.png">&nbsp;What a practical and resilient financial plan looks like in 2026</p><p>&nbsp;</p><p>Because here's the uncomfortable truth: <strong>inflation is not waiting for you to feel ready.</strong> Every day that passes without a plan, the gap between where you are and where you want to be quietly widens.</p><p>This is the financial conversation you didn't know you needed. <em>Practical. Personal. Built for right now.</em></p><p>&nbsp;</p><p><strong>Follow Chelsea:</strong></p><p>Instagram: @chelsea_dy</p><p>TikTok: @chelsea_dygital</p><p>YouTube: chelsea_dygital</p><p>&nbsp;</p><p><strong>Follow ATRAM:</strong></p><p>Website: <a href="https://atram.com.ph/" rel="noopener noreferrer" target="_blank">https://atram.com.ph/</a></p><p>Facebook:<a href="https://www.facebook.com/atrassetmanagement" rel="noopener noreferrer" target="_blank"> facebook.com/atrassetmanagement</a></p><p>Instagram: @atram_ph</p><p>LinkedIn: <a href="https://www.linkedin.com/company/13325005/" rel="noopener noreferrer" target="_blank">linkedin.com/company/13325005</a></p><p>Subscribe to ATRAM Game Changers for more insightful conversations with experts on investing and personal finance.</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
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			<title>Ep. 9: Breaking Barriers: How Nicole Alba Made Finance Click for the Next Generation</title>
			<itunes:title>Ep. 9: Breaking Barriers: How Nicole Alba Made Finance Click for the Next Generation</itunes:title>
			<pubDate>Thu, 04 Dec 2025 01:07:40 GMT</pubDate>
			<itunes:duration>1:18:40</itunes:duration>
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			<description><![CDATA[She made finance clear, relatable, and real. Nicole Alba is empowering a new generation of Filipinos to take control of their money with confidence and intention. In this episode of ATRAM Game Changers, she shares how everyday habits, self-awareness, and the right mindset can reshape your story and help you run your race at the pace that is right for you.<hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[She made finance clear, relatable, and real. Nicole Alba is empowering a new generation of Filipinos to take control of their money with confidence and intention. In this episode of ATRAM Game Changers, she shares how everyday habits, self-awareness, and the right mindset can reshape your story and help you run your race at the pace that is right for you.<hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
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			<title>Ep. 8: Digital Pioneer to Financial Guide. Making Finance Simple with Mariel Bitanga of SimplyFinance</title>
			<itunes:title>Ep. 8: Digital Pioneer to Financial Guide. Making Finance Simple with Mariel Bitanga of SimplyFinance</itunes:title>
			<pubDate>Thu, 25 Sep 2025 08:39:50 GMT</pubDate>
			<itunes:duration>21:42</itunes:duration>
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			<itunes:episode>8</itunes:episode>
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			<description><![CDATA[Finance doesn’t have to be intimidating. In this episode of GameChangers, we sit down with Mariel Bitanga of Simply Finance—a trailblazer in financial literacy who’s making money matters simple, relatable, and empowering for Filipinos.  Discover her story, her mission to build financial confidence, and her drive to make finance accessible and simple to all.  Tune in and get inspired to #RunYourRace with knowledge and purpose<hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[Finance doesn’t have to be intimidating. In this episode of GameChangers, we sit down with Mariel Bitanga of Simply Finance—a trailblazer in financial literacy who’s making money matters simple, relatable, and empowering for Filipinos.  Discover her story, her mission to build financial confidence, and her drive to make finance accessible and simple to all.  Tune in and get inspired to #RunYourRace with knowledge and purpose<hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
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			<title>Ep. 7: Profit with Purpose: Your Investments can do MORE.</title>
			<itunes:title>Ep. 7: Profit with Purpose: Your Investments can do MORE.</itunes:title>
			<pubDate>Thu, 17 Jul 2025 09:01:25 GMT</pubDate>
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			<description><![CDATA[What if your investments could grow and do good? The ATRAM Philippine Sustainable Development and Growth Fund, the first and only SDG-themed fund in the Philippines, is proving it’s possible. But how does it really work? What's the catch? In this revealing conversation, Jomar and McKenzie - the architects behind this fund, discuss the importance of investing in companies that value the environment, promote social responsibility, and practice good governance. Find out why companies doing good are becoming better; how to spot true impact, and what your money is really capable of when purpose leads. Learn how this fund fuels your personal financial growth while driving real-world solutions. The most powerful investment goes beyond markets, it's in the future you want to see.<hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[What if your investments could grow and do good? The ATRAM Philippine Sustainable Development and Growth Fund, the first and only SDG-themed fund in the Philippines, is proving it’s possible. But how does it really work? What's the catch? In this revealing conversation, Jomar and McKenzie - the architects behind this fund, discuss the importance of investing in companies that value the environment, promote social responsibility, and practice good governance. Find out why companies doing good are becoming better; how to spot true impact, and what your money is really capable of when purpose leads. Learn how this fund fuels your personal financial growth while driving real-world solutions. The most powerful investment goes beyond markets, it's in the future you want to see.<hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
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			<title>Ep. 6: Financial Literacy in the Philippines: Game Changer for Nation-Building</title>
			<itunes:title>Ep. 6: Financial Literacy in the Philippines: Game Changer for Nation-Building</itunes:title>
			<pubDate>Wed, 25 Jun 2025 05:57:55 GMT</pubDate>
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			<itunes:episode>6</itunes:episode>
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			<description><![CDATA[In this episode, personal finance pioneer Randell Tiongson reveals how financial literacy is not just personal, but can transform a nation. For decades, he’s simplified complex concepts for Filipinos, turning financial uncertainty into confidence. As a best-selling author and award-winning columnist, Randell has reshaped how Filipinos manage money and build wealth. Randell shares his journey, his vision for a financially empowered Philippines, and practical advice to transform your financial future.<hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[In this episode, personal finance pioneer Randell Tiongson reveals how financial literacy is not just personal, but can transform a nation. For decades, he’s simplified complex concepts for Filipinos, turning financial uncertainty into confidence. As a best-selling author and award-winning columnist, Randell has reshaped how Filipinos manage money and build wealth. Randell shares his journey, his vision for a financially empowered Philippines, and practical advice to transform your financial future.<hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
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			<title>Ep. 5: Trump Tariffs Demands Active Management: Playbook for Smarter Filipino Portfolios</title>
			<itunes:title>Ep. 5: Trump Tariffs Demands Active Management: Playbook for Smarter Filipino Portfolios</itunes:title>
			<pubDate>Mon, 14 Apr 2025 00:00:00 GMT</pubDate>
			<itunes:duration>50:42</itunes:duration>
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			<itunes:episode>5</itunes:episode>
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			<description><![CDATA[<p>Market volatility is nothing new—each time we’ve weathered it and powered through. Trump’s tariffs aren’t just political noise—they’re reshaping markets, portfolios, and your financial future. In this urgent episode, packed with exclusive insights from expert market strategists, Phillip Hagedorn together with Sandra Araullo, will dissect how Trump’s trade policies are rippling through Philippine markets, exposing hidden risks and opportunities. ATRAM experts will equip you with a tactical playbook to not just survive —but thrive—in this new era of uncertainty. This episode is your roadmap to staying calm, agile, and keeping ahead of the curve.</p><br><p>Disclaimer:</p><p>This podcast provides insights and recommended action points based on information available as of April 11, 2025. Market conditions and policies may change, and the views expressed reflect the landscape at the time of recording. Listeners are encouraged to exercise discretion and conduct their own due diligence before making any financial decisions.</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>Market volatility is nothing new—each time we’ve weathered it and powered through. Trump’s tariffs aren’t just political noise—they’re reshaping markets, portfolios, and your financial future. In this urgent episode, packed with exclusive insights from expert market strategists, Phillip Hagedorn together with Sandra Araullo, will dissect how Trump’s trade policies are rippling through Philippine markets, exposing hidden risks and opportunities. ATRAM experts will equip you with a tactical playbook to not just survive —but thrive—in this new era of uncertainty. This episode is your roadmap to staying calm, agile, and keeping ahead of the curve.</p><br><p>Disclaimer:</p><p>This podcast provides insights and recommended action points based on information available as of April 11, 2025. Market conditions and policies may change, and the views expressed reflect the landscape at the time of recording. Listeners are encouraged to exercise discretion and conduct their own due diligence before making any financial decisions.</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
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			<title>Ep. 4: From Humble Beginnings to Financial Pioneer with Rex Mendoza </title>
			<itunes:title>Ep. 4: From Humble Beginnings to Financial Pioneer with Rex Mendoza </itunes:title>
			<pubDate>Mon, 13 Jan 2025 00:00:00 GMT</pubDate>
			<itunes:duration>44:16</itunes:duration>
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			<itunes:episode>4</itunes:episode>
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			<description><![CDATA[Phillip Hagedorn sits down with Rex Mendoza, CEO of Rampver Financials, a visionary leader who rose from modest roots to become a trailblazer in the financial world. Rex shares his journey and insights into the power of mentorship, financial discipline, and the importance of building a legacy that uplifts others. Discover how his unwavering resilience, purpose-driven leadership, and innovative strategies have shaped his success.<hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[Phillip Hagedorn sits down with Rex Mendoza, CEO of Rampver Financials, a visionary leader who rose from modest roots to become a trailblazer in the financial world. Rex shares his journey and insights into the power of mentorship, financial discipline, and the importance of building a legacy that uplifts others. Discover how his unwavering resilience, purpose-driven leadership, and innovative strategies have shaped his success.<hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
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			<title>Ep. 3: Atom Araullo on Driving Social Change Through Impactful Journalism</title>
			<itunes:title>Ep. 3: Atom Araullo on Driving Social Change Through Impactful Journalism</itunes:title>
			<pubDate>Thu, 28 Nov 2024 10:00:30 GMT</pubDate>
			<itunes:duration>26:32</itunes:duration>
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			<itunes:episode>3</itunes:episode>
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			<description><![CDATA[Join Atom Araullo, renowned journalist and UNHCR Goodwill Ambassador, as he takes us on a captivating journey from his upbringing focused on excellence, to becoming a voice for the voiceless. Discover how his family, education, and deeply rooted values have shaped his career, fueled his passion for social impact, and inspired his distinctive storytelling. Plus gain valuable insights on the power of financial literacy to create meaningful change.<hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[Join Atom Araullo, renowned journalist and UNHCR Goodwill Ambassador, as he takes us on a captivating journey from his upbringing focused on excellence, to becoming a voice for the voiceless. Discover how his family, education, and deeply rooted values have shaped his career, fueled his passion for social impact, and inspired his distinctive storytelling. Plus gain valuable insights on the power of financial literacy to create meaningful change.<hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
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			<title>Ep. 2: Game Changing Insights: Finding Opportunities in Challenging Markets with Miguel Liboro   </title>
			<itunes:title>Ep. 2: Game Changing Insights: Finding Opportunities in Challenging Markets with Miguel Liboro   </itunes:title>
			<pubDate>Mon, 30 Sep 2024 09:37:36 GMT</pubDate>
			<itunes:duration>35:08</itunes:duration>
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			<itunes:episode>2</itunes:episode>
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			<description><![CDATA[Explore how Miguel Liboro, ATRAM’s Deputy Chief Investment Officer, has become a leading force in fixed income and bond trading, consistently recognized as one of the top investor in Asian currency bonds. Tune in to hear his expert insights on navigating the bond market, debunking myths around bond investments, and leveraging current market conditions to maximize returns. Don’t miss this opportunity to learn from a true game changer in the world of investments and finance!<hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[Explore how Miguel Liboro, ATRAM’s Deputy Chief Investment Officer, has become a leading force in fixed income and bond trading, consistently recognized as one of the top investor in Asian currency bonds. Tune in to hear his expert insights on navigating the bond market, debunking myths around bond investments, and leveraging current market conditions to maximize returns. Don’t miss this opportunity to learn from a true game changer in the world of investments and finance!<hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
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			<title>Ep. 1: Innovate to Elevate: Ernest Cu on Leadership and Legacy</title>
			<itunes:title>Ep. 1: Innovate to Elevate: Ernest Cu on Leadership and Legacy</itunes:title>
			<pubDate>Mon, 09 Sep 2024 01:00:00 GMT</pubDate>
			<itunes:duration>33:50</itunes:duration>
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			<itunes:episode>1</itunes:episode>
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			<description><![CDATA[Discover how Ernest Cu, President and CEO of Globe Telecom revolutionized the telecommunications industry, driving innovation and transformation across the Philippines. Tune in to hear how his game changing leadership continues to shape the future of connectivity and digital inclusion.<hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[Discover how Ernest Cu, President and CEO of Globe Telecom revolutionized the telecommunications industry, driving innovation and transformation across the Philippines. Tune in to hear how his game changing leadership continues to shape the future of connectivity and digital inclusion.<hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
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