Ipon challenge???

Uy, great question! Honestly, maraming options, GCash has a savings feature na parang separate wallet, or you can try actual banks like BDO, BPI, or Metrobank na may special savings accounts para sa goals na ito, some of my mum friends swear by opening a separate passbook under their kids' names kasi parang mas committed sila not to touch it haha! May iba ring nag-try ng old school piggy bank pero with accountability, like they deposit sa BDO kids account every payday so walang temptation na gastusin. Ang advantage ng app-based ay nakikita mo real-time ang growth, pero sa bank mas secure ang feeling at may interest pa sometimes. Try mo kung saan mas comfortable ka mag-commit, kasi yan talaga ang key!