Makati City, Philippines 11:45pm   My friends and I were having a profound discussion over chocolate hot fudge sundae while waiting for a taxi ride home. We were talking about our dreams and plans.   One of my friends, a call center supervisor said, “Sha, one of my staff once told me she’s been working for more than five years already, yet she doesn’t have any savings. She can’t figure out where her money has gone.”   “Hmmm…” I began. I opened my mouth to answer but then a taxi had pulled over, so we decided to call it a night and talk again soon.   On another occasion, a…