The 80 Percent: Recent Episodes

Fitz Villafuerte

Hi, my name is Fitz Villafuerte. I'm a Registered Financial Planner and a financial literacy advocate based in the Philippines. This podcast is about learning smart money habits and the proper mindset to achieve financial success. Visit the80percentpodcast.com to learn more.

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Welcome to Episode 199 of The 80 Percent.

Do you know what the halo effect is? In this episode, we discuss this cognitive bias that can negatively influence one’s investment decisions. We’ll learn how to recognize and mitigate the halo effect to make more objective and informed investment choices.

Episode sponsor: Learn to trade forex and the global markets. Visit bit.ly/learnforexph for details.

For the show notes, visit my blog post here.


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Welcome to Episode 198 of The 80 Percent.

Stay on track with your financial goals by performing a mid-year check-up. In this episode, I’ll share the tasks you need to accomplish with your budget, savings, and investments to ensure financial success for the rest of the year.

Episode sponsor: Learn to trade forex and the global markets. Visit bit.ly/learnforexph for details.

For the show notes, visit my blog post here.


Hosted on Acast. See acast.com/privacy for more information.

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Welcome to Episode 197 of The 80 Percent.

Money dysmorphia refers to insecurity about one's financial situation. It is a condition that distorts one's perception of wealth and financial well-being. In this episode, we explore how money dysmorphia influences our spending, saving, and investing. But we also share the steps we can take to achieve a healthier, more realistic view of our finances, paving the way for better financial decision-making and emotional well-being.

Episode sponsor: Learn to trade forex and the global markets. Visit bit.ly/learnforexph for details.

For the show notes, visit my blog post here.


Hosted on Acast. See acast.com/privacy for more information.

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Welcome to Episode 196 of The 80 Percent.

Combining family activities with financial education and application might seem difficult, but it's entirely possible. In this episode, I share four engaging and enjoyable family activities that will strengthen your bond as a family and improve your budget and financial health.

Episode sponsor: Learn to trade forex and the global markets. Visit bit.ly/learnforexph for details.

For the show notes, visit my blog post here.


Hosted on Acast. See acast.com/privacy for more information.

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Listen Back episodes are past episodes of The 80 Percent that you might have missed, so we’re bringing them back, especially for the benefit of our new listeners.

This was Episode 115. For the original show notes, visit my blog post here.

Learn to trade forex and the global markets. Visit bit.ly/learnforexph for details.


Hosted on Acast. See acast.com/privacy for more information.

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Welcome to Episode 195 of The 80 Percent.

Impulsive buying can leave you with buyer's remorse and a ruined budget. Today, I’m giving you a practical strategy that will help you make better spending decisions and save more money.

Episode sponsor: Learn to trade forex and the global markets. Visit bit.ly/learnforexph for details.

For the show notes, visit my blog post here.


Hosted on Acast. See acast.com/privacy for more information.

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Welcome to Episode 194 of The 80 Percent.

How much is the average income of Filipinos? What are the top 10 positions that have the highest salaries in the Philippines? How much money do we have in our bank accounts? These are just some of the data I shared and discussed in this episode.

Episode sponsor: Learn to trade forex and the global markets. Visit bit.ly/learnforexph for details.

For the show notes, visit my blog post here.


Hosted on Acast. See acast.com/privacy for more information.

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Welcome to Episode 193 of The 80 Percent.

Do you have a credit card, or are you planning to get one soon? Then join me today, and let’s unlock the power of plastic with our credit card tips. These strategies will ensure that your financial journey starts on the right foot and lead you away from debt problems.

Episode sponsor: Learn to trade forex and the global markets. Visit bit.ly/learnforexph for details.

For the show notes, visit my blog post here.


Hosted on Acast. See acast.com/privacy for more information.

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Welcome to Episode 192 of The 80 Percent.

This is the audio clip of my presentation during the Financial Fitness Forum 2024. It's about what you should do during your 20s to become rich in your 30s. Here are Investing tips, mindset, and strategies for Gen Z.

Episode sponsor: Learn to trade forex and the global markets. Visit bit.ly/learnforexph for details.

For the show notes, visit my blog post here.


Hosted on Acast. See acast.com/privacy for more information.

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Welcome to Episode 191 of The 80 Percent.

Have you ever wondered why some people seem to have all the luck? Contrary to popular belief, luck isn't just a matter of chance—you can actually do things to tilt the odds in your favor. Today, we'll share some practical strategies that can help you attract more luck into your life.

Episode sponsor: Learn to trade forex and the global markets. Visit bit.ly/learnforexph for details.

For the show notes, visit my blog post here.


Hosted on Acast. See acast.com/privacy for more information.

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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich.

You can read today's article here: https://t.ly/hKby8


Hosted on Acast. See acast.com/privacy for more information.

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Welcome to Episode 190 of The 80 Percent.

Today, we're diving into the exciting world of Philippine real estate. Particularly how to choose the ideal location to buy your house-and-lot property. Whether you're a first-time buyer or a seasoned investor, the decision to purchase a home is a significant milestone. That’s why we'll share insights and practical tips to help you decide where to buy your forever home.

This episode is brought to you by Camella. Visit www.camella.com.ph and follow Camella's official social media pages on Facebook, Instagram, and TikTok to stay updated and be a part of the Camella story.

For the show notes on this episode, visit my blog post here.


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Welcome to Episode 189 of The 80 Percent.

In this episode, we’ll explore the impact of surrounding yourself with positive influences. Learn how spending time with the right people and curating your inner circle wisely can lead to faster personal growth and fulfillment.

Episode sponsor: Learn to trade forex and the global markets. Visit bit.ly/learnforexph for details.

For the show notes, visit my blog post here.


Hosted on Acast. See acast.com/privacy for more information.

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Listen Back episodes are past episodes of The 80 Percent that you might have missed, so we’re bringing them back, especially for the benefit of our new listeners.

This was Episode 76. For the original show notes, visit my blog post here.

Learn to trade forex and the global markets. Visit bit.ly/learnforexph for details.


Hosted on Acast. See acast.com/privacy for more information.

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Welcome to Episode 188 of The 80 Percent.

Investing is a rewarding endeavor and necessary to achieve financial freedom, but it's not without its pitfalls. In this video, we uncover the three most common mistakes that you might commit even before you start investing.

Episode sponsor: Learn to trade forex and the global markets. Visit bit.ly/learnforexph for details.

For the show notes, visit my blog post here.


Hosted on Acast. See acast.com/privacy for more information.

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Welcome to Episode 187 of The 80 Percent.

Wisdom evolves through time. Every day, new things are discovered, existing information is updated, and old truths that have long been forgotten are remembered. In this episode, let’s explore why a growth mindset is essential and how dynamic learning helps in achieving financial and personal success.

Episode sponsor: Learn to trade forex and the global markets. Visit bit.ly/learnforexph for details.

For the show notes, visit my blog post here.


Hosted on Acast. See acast.com/privacy for more information.

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Welcome to Episode 186 of The 80 Percent.

Taking control and managing your finances can be confusing and overwhelming. More often than not, the best way to avoid this is to look at and find ways to improve your relationship with money.

In this episode, let’s talk about that and discuss how to attain better financial health.

Episode sponsor: Learn to trade forex and the global markets. Visit bit.ly/learnforexph for details.

For the show notes, visit my blog post here.


Hosted on Acast. See acast.com/privacy for more information.

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Welcome to Episode 185 of The 80 Percent.

Seasoned entrepreneur Robert Dieffenbach says, “Million-dollar ideas are a dime a dozen. The determination to see the idea through is what’s priceless.”

This quote encapsulates a profound truth: having a great idea is just the starting point. And that’s what we’ll talk about in this episode.

Episode sponsor: Learn to trade forex and the global markets. Visit bit.ly/learnforexph for details.

For the show notes, visit my blog post here.


Hosted on Acast. See acast.com/privacy for more information.

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Welcome to Episode 184 of The 80 Percent.

In this episode, we’ll illustrate why learning how to save more is better and should be done first before looking for an investment with high returns.

Episode sponsor: Learn to trade forex and the global markets. Visit bit.ly/learnforexph for details.

For the show notes, visit my blog post here.


Hosted on Acast. See acast.com/privacy for more information.

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Listen Back episodes are past episodes of The 80 Percent that you might have missed, so we’re bringing them back, especially for the benefit of our new listeners.

This was Episode 65. For the original show notes, visit my blog post here.

Learn to trade forex and the global markets. Visit bit.ly/learnforexph for details.


Hosted on Acast. See acast.com/privacy for more information.

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Welcome to Episode 183 of The 80 Percent.

Are you feeling stuck? Does it seem that you’re not making any progress in your relationships, your goals, and especially in your finances? Then perhaps you need a new perspective. Today, let’s look at how you can approach this feeling and the two strategies that can help you move forward.

Episode sponsor: Are you looking for a passive way to earn from forex trading? Check out Izanagi. Learn more at bit.ly/openizanagi

For the show notes, visit my blog post here.


Hosted on Acast. See acast.com/privacy for more information.

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Welcome to Episode 182 of The 80 Percent.

Our friend, Lloyd Bazar, is back as a guest today, and we talked about copy trading and discussed more about forex trading and how you can earn passive income from it.

Learn how to trade forex and the global markets. Go to bit.ly/learnforexph for details.

For the show notes, visit my blog post here.


Hosted on Acast. See acast.com/privacy for more information.

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Welcome to Episode 181 of The 80 Percent.

Are you looking for a good business idea for 2024? Then that’s what today is all about. I shared the industries or sectors that I believe have a profitable outlook this year and gave 20 examples of small businesses you can choose and consider starting.

Episode sponsor: Are you looking for a passive way to earn from forex trading? Check out Izanagi. Learn more at bit.ly/openizanagi

For the show notes, visit my blog post here.


Hosted on Acast. See acast.com/privacy for more information.

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Welcome to Episode 180 of The 80 Percent.

For the first episode of the year, we’re looking back to the most listened-to episodes of 2023 and sharing with you a few of my plans for this podcast this 2024.

Visit our official website: the80percentpodcast.com

Check out the show notes for this episode here on my blog.

Links to the show notes of the Top 5 episodes:

Top 5: Three Types of Debt and How It Can Affect Your Finances (Episode 151)

Top 4: 7 Profitable Side Hustles for Introverts (Episode 157)

Top 3: Ways to Earn Extra Income To Beat Inflation (Episode 149)

Top 2: 7 Ways Investing Can Make Your Life Better (Episode 144)

Top 1: Good Business Ideas for 2023 (Episode 145)

Episode sponsor: Are you looking for a passive way to earn from forex trading? Check out Izanagi. Learn more at bit.ly/openizanagi


Hosted on Acast. See acast.com/privacy for more information.

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Welcome to Episode 179 of The 80 Percent.

In this episode, we have Chase Yap of 2TradeAsia.com as a guest. We reviewed the year that was and talked about where the Philippine Market could go in 2024.

Sign up for a FREE online stock market seminar at bit.ly/2tradeasia

Watch the F. Yap Securities 2TradeAsia 2024 Annual Market Outlook here.

Episode sponsor: Are you looking for a passive way to earn from forex trading? Check out Izanagi. Learn more at bit.ly/openizanagi

For the show notes, visit my blog post here.


Hosted on Acast. See acast.com/privacy for more information.

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Welcome to Episode 178 of The 80 Percent.

It’s important to have goals as it gives us purpose and direction. But we often make the mistake of focusing too much on getting to the finish line that we risk burning out from all the effort. In this episode, we shift our focus towards building systems to transform the way we approach and attain our goals. And learn why systems are the key to sustainable and consistent success.

Episode sponsor: Are you looking for a passive way to earn from forex trading? Check out Izanagi. Learn more at bit.ly/openizanagi

For the show notes, visit my blog post here.


Hosted on Acast. See acast.com/privacy for more information.

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Welcome to Episode 177 of The 80 Percent.

In an essay entitled, On Maps, poet and literature professor Anne Barngrover wrote, “Time passes whether I stand still or move.” In this episode, we'll do a personal finance deep dive and seek out the money lessons that this quote teaches us.

For the show notes, visit my blog post here.


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Welcome to Episode 176 of The 80 Percent.

Are you done with your Christmas shopping? If not, let me help you in this episode, where I’ll give seven thoughtful gift ideas that won’t ruin your budget.

For the show notes, visit my blog post here.


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Welcome to Episode 175 of The 80 Percent.

Living on your own can be exciting and scary. Having independence feels great, but there are also the overwhelming responsibilities of keeping your place in order and making sure all the bills are paid. In this episode, we’ll enumerate some practical tips for independent living and explore ways to effectively manage your life and personal finances.

For the show notes, visit my blog post here.


Hosted on Acast. See acast.com/privacy for more information.

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Listen Back episodes are past episodes of The 80 Percent that you might have missed, so we’re bringing them back, especially for the benefit of our new listeners.

This was Episode 38. For the original show notes, visit my blog post here.


Hosted on Acast. See acast.com/privacy for more information.

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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich.

You can read today's article here: https://t.ly/y10E9


Hosted on Acast. See acast.com/privacy for more information.

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Welcome to Episode 174 of The 80 Percent.

As the season of giving approaches, so does the potential strain it can bring on our wallets. But don’t worry because, in this episode, we unwrap the gift of financial wisdom during the Christmas season. Join me on a sleigh ride through practical money-saving tips that will keep your budget intact and add an extra touch of joy to your holiday celebrations.

For the show notes, visit my blog post here.


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Welcome to Episode 173 of The 80 Percent.

Healing your inner child is something I always see online. Often, it’s used as a justification for an impulse or non-essential purchase. In this episode, we’ll explore the concept of healing your inner child and how it can positively impact your finances. I’ll provide insights and practical tips on embracing your inner child, nurturing its needs, and ultimately creating a healthier financial relationship with yourself.

For the show notes, visit my blog post here.


Hosted on Acast. See acast.com/privacy for more information.

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Welcome to Episode 172 of The 80 Percent.

Investing in real estate can be profitable, but you don’t have much capital. It’s not exactly the first thing that comes to mind, but maybe you can explore investing in memorial lots. In this episode, I shared my thoughts on this and gave the pros and cons of this type of investment.

For the show notes, visit my blog post here.


Hosted on Acast. See acast.com/privacy for more information.

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The 80 Percent Express are special short episodes where I share a financial concept or answer a question sent by a listener.

In this episode, we're diving into a fascinating and somewhat sneaky concept that plays a significant role in our financial lives: the default bias. We'll break down the default bias, how it affects your money, and how to use it to your advantage.

To read the transcript, you can visit my blog post here.


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Welcome to Episode 171 of The 80 Percent.

Today, we have Ms. Pia Arellano of TransUnion Philippines as a guest. We talked about how Filipinos perceive utang or credit and what we can do to remove the stigma around it.

The Credit Perception Index Report uncovers valuable, nuanced perceptions and attitudes toward credit products among segmented Filipino populations, providing actionable data for more personalized strategies that help cultivate transparency and build trust. Get it here.

For the show notes, visit my blog post here.


Hosted on Acast. See acast.com/privacy for more information.

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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich.

You can read today's article here: https://t.ly/Zu-WL


Hosted on Acast. See acast.com/privacy for more information.

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This episode is supported by #BDOAutoLoan. Visit bdo.com.ph to learn more.

Welcome to Episode 170 of The 80 Percent.

Are you planning to buy a car but don’t know how to budget for it? Then listen to this episode because I’ll share practical tips and strategies on how you can budget for a car purchase.

For the show notes, visit my blog post here.


Hosted on Acast. See acast.com/privacy for more information.

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The 80 Percent Express are special short episodes where I share a financial concept or answer a question sent by a listener.

In this episode, we'll explore the concept of instant gratification and learn about a cognitive bias called hyperbolic discounting. We’ll discuss its impact on financial decision-making and give strategies to overcome it.

To read the transcript, you can visit my blog post here.


Hosted on Acast. See acast.com/privacy for more information.

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Welcome to Episode 169 of The 80 Percent.

In this episode, I’m sharing five money mistakes that you might be making. These mistakes are not so obvious, and it’s normal for people to overlook or miss these important financial lessons. But hopefully, you’ll be able to correct them after this episode.

For the show notes, visit my blog post here.


Hosted on Acast. See acast.com/privacy for more information.

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Listen Back episodes are past episodes of The 80 Percent that you might have missed, so we’re bringing them back, especially for the benefit of our new listeners.

This was Episode 27. For the original show notes, visit my blog post here.


Hosted on Acast. See acast.com/privacy for more information.

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Welcome to Episode 168 of The 80 Percent.

Today, we have Lloyd Bazar as a guest, and we discuss active and passive ways you can make money online.

Learn more about Izanagi Bot Trading here: bit.ly/openizanagi

Click here to watch this episode on YouTube. For the show notes, visit my blog post here.


Hosted on Acast. See acast.com/privacy for more information.

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The 80 Percent Express are special short episodes where I share a financial concept or answer a question sent by a listener.

In this episode, we will delve into the concept of the availability heuristic, understand its impact on personal finance, and explore strategies to make better financial decisions.

To read the transcript, you can visit my blog post here.


Hosted on Acast. See acast.com/privacy for more information.

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Welcome to Episode 167 of The 80 Percent.

In this episode, we talk about how to handle regret, financial or otherwise, and how to ultimately find peace with the past. So, if you've ever found yourself pondering 'what if' or wishing you could turn back time, then let’s talk about it today.

For the show notes, visit my blog post here.


Hosted on Acast. See acast.com/privacy for more information.

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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich.

You can read today's article here: https://t.ly/SejE7

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Listen Back episodes are past episodes of The 80 Percent that you might have missed, so we’re bringing them back, especially for the benefit of our new listeners.

This was Episode 63. For the original show notes, visit my blog post here.

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The 80 Percent Express are special short episodes where I share a financial concept or answer a question sent by a listener.

In this episode, we answer questions about top slicing.

To read the transcript, you can visit my blog post here.

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This episode is supported by BDO Auto Loan. Visit bdo.com.ph to learn more.

Welcome to Episode 166 of The 80 Percent.

Are you planning to buy a car but don’t know if you can afford it? Then listen to this episode because I’ll share practical tips and strategies on buying your dream car.

For the show notes, visit my blog post here.

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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich.

You can read today's article here: https://t.ly/mip70

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Listen Back episodes are past episodes of The 80 Percent that you might have missed, so we’re bringing them back, especially for the benefit of our new listeners.

This was Episode 62. For the original show notes, visit my blog post here.

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The 80 Percent Express are special short episodes where I share a financial concept or answer a question sent by a listener.

In this episode, we’ll learn about Mental Accounting.

To read the transcript, you can visit my blog post here.

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Welcome to Episode 165 of The 80 Percent.

Imagine there’s something that you want to buy. It’s a non-essential item, and your budget is enough even to buy the most expensive model. Do you buy the top-of-the-line version or just the basic one that’s enough for now? Let’s talk about practical utility in today’s episode.

For the show notes, visit my blog post here.

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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich.

You can read today's article here: https://t.ly/UHwJY

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Welcome to Episode 164 of The 80 Percent.

Leaving your family behind to work away from them is a difficult decision. But the question now is, how do you find your way back? In this episode, I’ll share tips and strategies that can help you prepare for a secure and safe retirement. So that finally, you can come home.

For the show notes, visit my blog post here.

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The 80 Percent Express are special short episodes where I share a financial concept or answer a question sent by a listener.

In this episode, we’ll learn about The Pain of Paying.

To read the transcript, you can visit my blog post here.

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Listen Back episodes are past episodes of The 80 Percent that you might have missed, so we’re bringing them back, especially for the benefit of our new listeners.

This was Episode 52. For the original show notes, visit my blog post here.

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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich.

You can read today's article here: https://t.ly/kQZl1

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Welcome to Episode 163 of The 80 Percent.

How’s your budgeting? Are you even doing one? Learning how to budget is a foundational skill in personal finance, but unfortunately, not everyone does it. In this episode, I’ll share budgeting tools you can use, discuss different budgeting techniques, and give tips that can help you improve how you manage your cash flow.

For the show notes, visit my blog post here.

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The 80 Percent Express are special short episodes where I share a financial concept or answer a question sent by a listener.

In this episode, we’ll learn about Ego Depletion

To read the transcript, you can visit my blog post here.

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Listen Back episodes are past episodes of The 80 Percent that you might have missed, so we’re bringing them back, especially for the benefit of our new listeners.

This was Episode 53. For the original show notes, visit my blog post here.

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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich.

You can read today's article here: https://t.ly/1zQTV

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Welcome to Episode 162 of The 80 Percent.

The peak-end rule is a cognitive bias that suggests our memories and feelings about an experience are heavily influenced by the most intense part and the final moments of those experiences. In this episode, we’ll learn more about the peak-end rule and see how we can apply it to optimize our good money habits.

For the show notes, visit my blog post here.

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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich.

You can read today's article here: https://t.ly/bOkV

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Welcome to Episode 161 of The 80 Percent.

It’s important to save, and there’s no need to explain the number one reason why it’s essential. But do you know that saving money also has other benefits that not a lot of people realize? That’s what I’ll share in today’s episode.

For the show notes, visit my blog post here.

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The 80 Percent Express are special short episodes where I share a financial concept or answer a question sent by a listener.

In this episode, we’ll learn about The Price of Free

To read the transcript, you can visit my blog post here.

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Listen Back episodes are past episodes of The 80 Percent that you might have missed, so we’re bringing them back, especially for the benefit of our new listeners.

This was Episode 58. For the original show notes, visit my blog post here.

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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich.

You can read today's article here: https://t.ly/MW-po

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Welcome to Episode 160 of The 80 Percent.

In this episode, let's get to know Ovialand, the fast-growing real estate developer pioneering the premium affordable housing market through CEO Pammy Olivares-Vital.

Ovialand has easy and achievable financing with a fast turnover of property within 3-6 months only. Learn more about them at www.ovialand.com.

For the show notes, visit my blog post here.

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The 80 Percent Express are special short episodes where I share a financial concept or answer a question sent by a listener.

In this episode, we’ll delve into The Anchoring Effect.

To read the transcript, you can visit my blog post here.

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Welcome to Episode 159 of The 80 Percent.

In this episode, I’ll share the many instances in which we waste time and give tips on how we can create more free time for ourselves in the future.

For the show notes, visit my blog post here.

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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich.

You can read today's article here: https://t.ly/YIJM

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Welcome to Episode 158 of The 80 Percent.

In this episode, we're having a conversation with Jon Orana. He’s a good friend and the founder of Negosyo University, one of the Philippines' largest and most successful educational online programs.

Click the link to sign up for the FREE live online training on June 14, 2023, at 8:00 PM (Manila time): bit.ly/ibmcfreetraining

For the show notes, visit my blog post here.

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The 80 Percent Express are special short episodes where I share a financial concept or answer a question sent by a listener.

In this episode, we’ll learn about the Sunk Cost Fallacy.

To read the transcript, you can visit my blog post here.

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Listen Back episodes are past episodes of The 80 Percent that you might have missed, so we’re bringing it back, especially for the benefit of our new listeners.

This was Episode 71. For the original show notes, visit my blog post here.

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The 80 Percent Express are special short episodes where I share a financial concept or answer a question sent by a listener.

In this episode, we’re exploring the fascinating concept of the framing effect and its impact on our financial decision-making. We'll discuss the framing effect and how it influences our choices and share some strategies for dealing with it effectively.

To read the transcript, you can visit my blog post here.

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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich.

You can read today's article here: https://t.ly/2D_o

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Welcome to Episode 157 of The 80 Percent.

If you're an introvert looking for side hustles, then this episode is for you. I’ll share 7 profitable extra income opportunities perfect for people who prefer doing things independently. 

For the show notes, visit my blog post here.

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The 80 Percent Express are special short episodes where I share a financial concept or answer a question sent by a listener.

In this episode, we’ll be learning about the concept of Loss Aversion.

To read the transcript, you can visit my blog post here.

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Listen Back episodes are past episodes of The 80 Percent that you might have missed so we’re bringing it back, especially for the benefit of our new listeners.

This was Episode 68. For the original show notes, visit my blog post here.

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Welcome to Episode 156 of The 80 Percent.

Have you ever felt like your life is dictated by what others want or expect of you? That you can’t just pursue your passion without considering what others will say about it?

If so, you’re not alone. Many of us fall into the trap of following the expectations of others, without really questioning whether it's what we truly want. In this episode, I’m going to share three stories that hopefully, can inspire you to dream big.

For the show notes, visit my blog post here.

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Welcome to Episode 155 of The 80 Percent.

Charles Darwin is known as the Father of Evolution. In this episode, I’m going to share a quote commonly attributed* to him and discuss how something that he said about natural selection carries valuable lessons on business, investments, and personal finance.

This episode is supported by GoTyme. Follow them @gotymebank (Instagram, Facebook, and Tiktok). Download the GoTyme Bank app today and experience the next level of banking. Visit www.gotyme.com.ph for more details.

For the show notes and to read the erratum, visit my blog post here*.

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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich.

You can read today's article here: https://t.ly/-e7d

This episode is supported by GoTyme. Follow them @gotymebank (Instagram, Facebook, and Tiktok). Download the GoTyme Bank app today and experience the next level of banking. Visit www.gotyme.com.ph for more details.

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Welcome to Episode 154 of The 80 Percent.

Real estate is a preferred investment for Filipinos. But unfortunately, many don’t know how to actually make money from it. In this episode, I’m going to share the different ways you can earn from your real estate investment.

This episode is supported by GoTyme. Follow them @gotymebank (Instagram, Facebook, and Tiktok). Download the GoTyme Bank app today and experience the next level of banking. Visit www.gotyme.com.ph for more details.

For the show notes, visit my blog post here.

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Welcome to Episode 153 of The 80 Percent.

Motivational speaker, Zig Ziglar once said, “Rich people have small TVs and big libraries, and poor people have small libraries and big TVs.” In this episode, I’m going to share my thoughts on this, and the important lesson that this quote teaches us.

This episode is supported by GoTyme. Follow them @gotymebank (Instagram, Facebook, and Tiktok). Download the GoTyme Bank app today and experience the next level of banking. Visit www.gotyme.com.ph for more details.

For the show notes, visit my blog post here.

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Welcome to Episode 152 of The 80 Percent.

Most of us think negatively about boredom. We want life to be happy and exciting. But when things become or start to feel boring, our tendency is to try and do something new, hoping that it could bring some feeling of thrill and excitement in our life.

In this episode, I’m sharing my thoughts on a quote that bestselling author of 'The Subtle Art of Not Giving a F*ck', Mark Manson said about boredom.

This episode is supported by GoTyme.

Are you tired of bank transfer fees and low-interest rates? Then check out GoTyme Bank. They offer interest rates 50x higher than traditional banks, and offer 3 free bank transfers to other banks per week! Download the GoTyme Bank app today and experience the next level of banking. Visit www.gotyme.com.ph for more details.

For the show notes, visit my blog post here.

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Welcome to Episode 151 of The 80 Percent.

Not all debts are the same. In this episode, we’ll talk about the three types of debt, and how it can affect your finances.

For the show notes, visit my blog post here.

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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich.

You can read today's article here: https://t.ly/hdrWV

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Welcome to Episode 150 of The 80 Percent.

Are you a logical thinker? While we’d like to think that we’re rational in our thinking and decision-making, we can all sometimes fall victim to behavioral biases. In this episode, we talk about three common behavioral biases that can lead us to bad investing decisions.

This episode is supported by AutoDeal.

AutoDeal is an all-in-one platform for your car needs. It makes your car buying experience worthwhile and more convenient. Up to 450 highly-rated car dealers nationwide! Simplify your car-buying journey and get the best deal at autodeal.com.ph.

For the show notes, visit my blog post here.

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Welcome to Episode 149 of The 80 Percent.

Is inflation ruining your budget? While you can definitely minimize your expenses, it will also greatly help if you can earn extra income. In this episode, I’ll give you four ways you can make money on the side, even if you have a full-time job.

This episode is supported by AutoDeal.

AutoDeal is an all-in-one platform for your car needs. It makes your car buying experience worthwhile and more convenient. Up to 450 highly-rated car dealers nationwide! Simplify your car-buying journey and get the best deal at autodeal.com.ph.

For the show notes, visit my blog post here.

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Join the FBS Ultimate Trading Birthday now: http://bit.ly/40QIP7P

Welcome to Episode 148 of The 80 Percent.

Whether you're a seasoned investor or someone who is just getting started with trading, forex can seem like a complicated and intimidating world to navigate. However, with the right knowledge and strategies, it can also be a lucrative and exciting income and investment opportunity.

Today, we'll cover the fundamentals of forex trading, including what it is, how it works, and some tips for getting started.

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Welcome to Episode 147 of The 80 Percent.

Are you looking for a way to quickly get your unit rent out? Have you been waiting for weeks or months, and you’re not getting any inquiries? Then listen to this episode because I’ll share practical tips for getting your unit rented out fast.

This episode is brought to you by Camella

Click this link for the special offer: https://bit.ly/CAMx80PERCENT, and use CAMx80percent as a referral code when you reserve a home online.

Official Website: www.camella.com.ph

Facebook: @CamellaOfficial https://www.facebook.com/CamellaOfficial

Twitter: @CamellaOfficial https://twitter.com/CamellaOfficial

Instagram: @camellaofficial https://www.instagram.com/camellaofficial

Youtube: Camella Official https://www.youtube.com/c/CamellaOfficial/featured

Tiktok: @camellaofficial https://www.tiktok.com/@camellaofficial

LinkedIn: Camella https://www.linkedin.com/company/camella

For the show notes on this episode, visit my blog post here.


Hosted on Acast. See acast.com/privacy for more information.

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It’s never too early to start planning for your dream retirement. Let AXA Philippines guide you at www.axa.com.ph

Welcome to Episode 146 of The 80 Percent.

Today, we have AXA Philippines Retail Proposition Director for Protection with Savings Category Lyzen Zapanta and AXA Philippines Retail Propositions Director Dexter Agcaoili to share with us insights and tips on how you can plan for the retirement of your dreams.

I hope this episode can help give you ideas on why you should prepare for your future and how to do so.

For the show notes, you can visit my blog post here.

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Welcome to Episode 145 of The 80 Percent.

The year of the rabbit is here and if you’re thinking of becoming an entrepreneur this year, then listen to this because today's episode discusses good business ideas to explore this 2023.

For the show notes on this episode, visit my blog post here.

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Welcome to Episode 144 of The 80 Percent.

Investing is a good habit to have. When you invest, you’re able to grow your money. You’re making it work for you. And if you do it long enough, you’ll become rich. But more than that, there are also some not-so-obvious benefits of investing. Today, I’m sharing seven ways that investing can make your life better.

This episode is brought to you by Camella

Click this link for the special offer: https://bit.ly/CAMx80PERCENT, and use CAMx80percent as a referral code when you reserve a home online.

Official Website: www.camella.com.ph

Facebook: @CamellaOfficial https://www.facebook.com/CamellaOfficial

Twitter: @CamellaOfficial https://twitter.com/CamellaOfficial

Instagram: @camellaofficial https://www.instagram.com/camellaofficial

Youtube: Camella Official https://www.youtube.com/c/CamellaOfficial/featured

Tiktok: @camellaofficial https://www.tiktok.com/@camellaofficial

LinkedIn: Camella https://www.linkedin.com/company/camella

For the show notes on this episode, visit my blog post here.


Hosted on Acast. See acast.com/privacy for more information.

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Welcome to Episode 143 of The 80 Percent.

It’s our last episode for the year, and we’re counting down the best of the best of 2022.

Visit our official website: the80percentpodcast.com

Check out the show notes for this episode here on my blog.

Links to the show notes of the Top 5 episodes:

Top 5: Episode 110: Financial Independence Retire Early (FIRE) with Kenneth Reyes-Lao

Top 4: Episode 117: 5 Business Ideas That Need Little or No Capital

Top 3: Episode 112: How To Save Money on a Low Income

Top 2: Episode 115: 6 Skills You Need To Build Multiple Sources of Income

Top 1: Episode 114: 5 Financial Habits That Every Person Should Have


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Welcome to Episode 142 of The 80 Percent.

There’s a time for waiting, and there’s a time for action.

Today, we’ll talk about how to know if you just need to be patient with your goals, or if you’re simply procrastinating and avoiding the work that will help you achieve your dreams.

For the show notes, visit my blog post here.

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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich.

Invest in First Metro Consumer Fund through FirstMetroSec. Open an investment account with only P1,000 by using the code: FAMI1K. Account opening is easy and convenient through the FirstMetroSec GO mobile app. Visit bit.ly/FAMI2022 to know more.

You can read today's article here: https://t.ly/SDxFa

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Welcome to Episode 141 of The 80 Percent.

What makes an employee loyal to their company? Is it a high salary? A great boss? Or perhaps it’s the company’s culture.

Today, we have John Nicholls, Senior Director and Country Site Lead of PayPal Philippines, talk about what it means to have your people at the heart of your company’s work culture.

If you wanna know more about PayPal's job opportunities, visit PayPal's website here.

You can check out PayPal's official social media pages on Facebook: @PayPalPhilippines and Instagram: @paypal.

For the show notes, visit my blog post here.

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Start your trading journey with FBS here: https://bit.ly/3u3ooW5

Welcome to Episode 140 of The 80 Percent.

Do you feel financially stuck? Do you wish you could do more to grow your income but you’re afraid to make a mistake and fail? There are many opportunities out there that can help you grow financially, but you need to first overcome your fears, and that’s what I’ll talk about in today’s episode.

For the show notes, visit my blog post here.

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Welcome to Episode 139 of The 80 Percent.

The self-help industry is a multi-billion dollar market and is predicted to continuously grow in size.

There are hundreds of thousands of self-help gurus nowadays that are giving out advice left and right that sometimes, it’s already overwhelming and confusing to know which one is actually helpful and effective.

Today, I’m sharing two practical tips that can help you discern which advice you should follow and what I believe is the right way to achieve personal growth and success.

This episode is supported by AutoDeal.

AutoDeal is an all-in-one platform for your car needs. It makes your car buying experience worthwhile and more convenient. Up to 450 highly-rated car dealers nationwide! Simplify your car-buying journey and get the best deal at autodeal.com.ph.

For the show notes, visit my blog post here.

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Welcome to Episode 138 of The 80 Percent.

Are you thinking of finally buying your dream home for your family? Then make sure that you’re ready for the financial responsibility. Today, I’ll share 8 important questions to ask yourself, so you’ll have a better idea if it’s now is the right time.

This episode is brought to you by Camella

Click this link for the special offer: https://bit.ly/CAMx80PERCENT, and use CAMx80percent as a referral code when you reserve a home online.

Official Website: www.camella.com.ph

Facebook: @CamellaOfficial https://www.facebook.com/CamellaOfficial

Twitter: @CamellaOfficial https://twitter.com/CamellaOfficial

Instagram: @camellaofficial https://www.instagram.com/camellaofficial

Youtube: Camella Official https://www.youtube.com/c/CamellaOfficial/featured

Tiktok: @camellaofficial https://www.tiktok.com/@camellaofficial

LinkedIn: Camella https://www.linkedin.com/company/camella

For the show notes on this episode, visit my blog post here.


Hosted on Acast. See acast.com/privacy for more information.

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Welcome to Episode 138 of The 80 Percent.

Are you thinking of finally buying your dream home for your family? Then make sure that you’re ready for the financial responsibility. Today, I’ll share 8 important questions to ask yourself, so you’ll have a better idea if it’s now is the right time.

This episode is brought to you by Camella

Click this link for the special offer: https://bit.ly/CAMx80PERCENT, and use CAMx80percent as a referral code when you reserve a home online.

Official Website: www.camella.com.ph

Facebook: @CamellaOfficial https://www.facebook.com/CamellaOfficial

Twitter: @CamellaOfficial https://twitter.com/CamellaOfficial

Instagram: @camellaofficial https://www.instagram.com/camellaofficial

Youtube: Camella Official https://www.youtube.com/c/CamellaOfficial/featured

Tiktok: @camellaofficial https://www.tiktok.com/@camellaofficial

LinkedIn: Camella https://www.linkedin.com/company/camella

For the show notes on this episode, visit my blog post here.


Hosted on Acast. See acast.com/privacy for more information.

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Welcome to Episode 137 of The 80 Percent.

Today, we’re answering a letter sent to us by one of our listeners. She belongs to the Sandwich Generation and is asking for advice on how to deal with her situation

This episode is supported by AutoDeal.

AutoDeal is an all-in-one platform for your car needs. It makes your car buying experience worthwhile and more convenient. Up to 450 highly-rated car dealers nationwide! Simplify your car-buying journey and get the best deal at autodeal.com.ph.

For the show notes, visit my blog post here.

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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich.

You can read today's article here: https://t.ly/LtVu

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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich.

You can read today's article here: https://t.ly/LtVu

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Welcome to Episode 136 of The 80 Percent.

Playing the lottery is not something that financial gurus advocate. But despite our advice against it, many still play it, including me. Today, I’ll share some insights on the lottery and the little-known benefits that all of us can get from playing this game of luck.

This episode is supported by AutoDeal.

AutoDeal is an all-in-one platform for your car needs. It makes your car buying experience worthwhile and more convenient. Up to 450 highly-rated car dealers nationwide! Simplify your car-buying journey and get the best deal at autodeal.com.ph.

For the show notes, visit my blog post here.

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Welcome to Episode 136 of The 80 Percent.

Playing the lottery is not something that financial gurus advocate. But despite our advice against it, many still play it, including me. Today, I’ll share some insights on the lottery and the little-known benefits that all of us can get from playing this game of luck.

This episode is supported by AutoDeal.

AutoDeal is an all-in-one platform for your car needs. It makes your car buying experience worthwhile and more convenient. Up to 450 highly-rated car dealers nationwide! Simplify your car-buying journey and get the best deal at autodeal.com.ph.

For the show notes, visit my blog post here.

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Welcome to Episode 135 of The 80 Percent.

According to the results from the 2019 BSP Financial Inclusion Survey, 75% of Filipinos do not have investments. Today, I’ll share with you the top 3 answers that people give if you ask them why they don’t invest, and what I believe is the actual and simple reason why many don’t have investments.

This episode is supported by AutoDeal.

AutoDeal is an all-in-one platform for your car needs. It makes your car buying experience worthwhile and more convenient. Up to 450 highly-rated car dealers nationwide! Simplify your car-buying journey and get the best deal at autodeal.com.ph.

For the show notes, visit my blog post here.

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Welcome to Episode 135 of The 80 Percent.

According to the results from the 2019 BSP Financial Inclusion Survey, 75% of Filipinos do not have investments. Today, I’ll share with you the top 3 answers that people give if you ask them why they don’t invest, and what I believe is the actual and simple reason why many don’t have investments.

This episode is supported by AutoDeal.

AutoDeal is an all-in-one platform for your car needs. It makes your car buying experience worthwhile and more convenient. Up to 450 highly-rated car dealers nationwide! Simplify your car-buying journey and get the best deal at autodeal.com.ph.

For the show notes, visit my blog post here.

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Welcome to Episode 134 of The 80 Percent.

In early 2021, a worldwide increase in inflation began to occur. It has been attributed to various causes, including pandemic-related fiscal and monetary stimulus, supply shortages, and as of 2022, the Russian invasion of Ukraine.

While it’s important to manage our budget and control our spending during these times, it’s also good to still invest whenever we can. In this episode, I shared five investments that you can consider during this period of high inflation.

This episode is supported by AutoDeal.

AutoDeal is an all-in-one platform for your car needs. It makes your car buying experience worthy and more convenient. Up to 450 highly rated car dealers nationwide! Simplify your car buying journey and get the best deal at autodeal.com.ph.

For the show notes, visit my blog post here.

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Welcome to Episode 134 of The 80 Percent.

In early 2021, a worldwide increase in inflation began to occur. It has been attributed to various causes, including pandemic-related fiscal and monetary stimulus, supply shortages, and as of 2022, the Russian invasion of Ukraine.

While it’s important to manage our budget and control our spending during these times, it’s also good to still invest whenever we can. In this episode, I shared five investments that you can consider during this period of high inflation.

This episode is supported by AutoDeal.

AutoDeal is an all-in-one platform for your car needs. It makes your car buying experience worthy and more convenient. Up to 450 highly rated car dealers nationwide! Simplify your car buying journey and get the best deal at autodeal.com.ph.

For the show notes, visit my blog post here.

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Welcome to Episode 133 of The 80 Percent.

Are you frustrated that you’re still too far from reaching your goals? Unfortunately, this feeling is normal and happens often if you focus too much on the future. Today, we’ll talk about how shifting your focus towards making daily progress can take away that misery and frustration when pursuing a difficult goal.

Invest in First Metro Philippine Equity Exchange Traded Fund or the FMETF through FirstMetroSec. Open an investment account with only P1,000 by using the code: FAMI1K. Account opening is easy and convenient through the FirstMetroSec GO mobile app. Visit bit.ly/fami2022 to know more.

For the show notes, visit my blog post here.

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Welcome to Episode 133 of The 80 Percent.

Are you frustrated that you’re still too far from reaching your goals? Unfortunately, this feeling is normal and happens often if you focus too much on the future. Today, we’ll talk about how shifting your focus towards making daily progress can take away that misery and frustration when pursuing a difficult goal.

Invest in First Metro Philippine Equity Exchange Traded Fund or the FMETF through FirstMetroSec. Open an investment account with only P1,000 by using the code: FAMI1K. Account opening is easy and convenient through the FirstMetroSec GO mobile app. Visit bit.ly/fami2022 to know more.

For the show notes, visit my blog post here.

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Welcome to Episode 132 of The 80 Percent.

The foundation provides stability to a structure. When it comes to wealth, the foundation that provides financial stability is the habit of spending less than your income. But, if you want to build your wealth, you’ll need strong pillars that will support your structure as it rises above the ground. And that’s what we’ll talk about in today’s episode – the four pillars of financial success.

Invest in First Metro Save and Learn FOCCUS Dynamic Fund through FirstMetroSec. Open an investment account with only P1,000 by using the code: FAMI1K. Account opening is easy and convenient through the FirstMetroSec GO mobile app. Visit bit.ly/fami2022 to know more.

For the show notes, visit my blog post here.

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Welcome to Episode 132 of The 80 Percent.

The foundation provides stability to a structure. When it comes to wealth, the foundation that provides financial stability is the habit of spending less than your income. But, if you want to build your wealth, you’ll need strong pillars that will support your structure as it rises above the ground. And that’s what we’ll talk about in today’s episode – the four pillars of financial success.

Invest in First Metro Save and Learn FOCCUS Dynamic Fund through FirstMetroSec. Open an investment account with only P1,000 by using the code: FAMI1K. Account opening is easy and convenient through the FirstMetroSec GO mobile app. Visit bit.ly/fami2022 to know more.

For the show notes, visit my blog post here.

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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich.

You can read today's article here: https://t.ly/39Cd

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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich.

You can read today's article here: https://t.ly/39Cd

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Welcome to Episode 131 of The 80 Percent.

It’s now the -BER months and it will be more difficult to save money given that the holidays are coming. Big online sales and bazaars are just around the corner.

Today, I’ll give you quick tips on how to start saving money even during this time when there’s a lot of temptation to spend. I hope you find these helpful.

To watch a FREE online financial coaching video, visit imgwealthacademy.com.

For the show notes, visit my blog post here.

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Welcome to Episode 131 of The 80 Percent.

It’s now the -BER months and it will be more difficult to save money given that the holidays are coming. Big online sales and bazaars are just around the corner.

Today, I’ll give you quick tips on how to start saving money even during this time when there’s a lot of temptation to spend. I hope you find these helpful.

To watch a FREE online financial coaching video, visit imgwealthacademy.com.

For the show notes, visit my blog post here.

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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich.

You can read today's article here: https://t.ly/g_pz

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Welcome to Episode 130 of The 80 Percent.

Do you want to earn extra income? In this episode, I’ll enumerate 7 side hustles you can do to increase your monthly cash flow.

To watch a FREE online financial coaching video, visit imgwealthacademy.com.

For the show notes, visit my blog post here.

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Welcome to Episode 129 of The 80 Percent.

Today, we’re talking about entrepreneurship and I’m sharing with you 4 little-known facts about starting a business that you should know. These are the struggles I faced, challenges nobody warned me about, and had to overcome when I started my first few businesses.

Watch a FREE online financial coaching video, visit imgwealthacademy.com.

For the show notes, visit my blog post here.

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Welcome to Episode 128 of The 80 Percent.

Most will say that if you want to become rich, then you have to learn how to save and invest. But that’s the technical portion – the 20 percent of the solution. Today, I’ll give a rundown of 10 habits and mindsets that you need to become rich – the bigger portion, the 80 percent that people overlook or forget.

Watch a FREE online financial coaching video, visit imgwealthacademy.com.

For the show notes, visit my blog post here.

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Welcome to Episode 127 of The 80 Percent.

Have you heard of the Investor’s Dilemma? It’s an interesting concept that tells why and how most investors, especially beginners, lose money. Let me tell you about it in this episode and check if you’re committing these grave investing mistakes.

This episode is brought to you by Camella

Click this link for the special offer: https://bit.ly/CAMx80PERCENT, and use CAMx80percent as a referral code when you reserve a home online.

Official Website: www.camella.com.ph

Facebook: @CamellaOfficial https://www.facebook.com/CamellaOfficial

Twitter: @CamellaOfficial https://twitter.com/CamellaOfficial

Instagram: @camellaofficial https://www.instagram.com/camellaofficial

Youtube: Camella Official https://www.youtube.com/c/CamellaOfficial/featured

Tiktok: @camellaofficial https://www.tiktok.com/@camellaofficial

LinkedIn: Camella https://www.linkedin.com/company/camella

For the show notes on this episode, visit my blog post here.


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Welcome to Episode 126 of The 80 Percent.

You've worked hard and finally, you're out of debt. And now, your challenge is how do you keep it that way? I hope this episode can guide you in developing better spending habits and staying debt-free

You can invest in ATRAM funds from anywhere in the world, through FirstMetroSec FundsMart. Start investing with only P5,000. Account opening is easy and convenient through the FirstMetroSec GO mobile app. You can visit bit.ly/firstmetrosecapp to know more.

For the show notes, visit my blog post here.

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Welcome to Episode 125 of The 80 Percent.

I’ve often been asked what’s the best investment, but have you ever asked yourself, what’s the worst investment? That’s the question that we’ll answer in this episode.

You can invest in ATRAM funds from anywhere in the world, through FirstMetroSec FundsMart. Start investing with only P5,000. Account opening is easy and convenient through the FirstMetroSec GO mobile app. You can visit bit.ly/firstmetrosecapp to know more.

For the show notes, visit my blog post here.

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Welcome to Episode 124 of The 80 Percent.

It’s been almost two decades since I left the corporate world, but the lessons I learned as an employee remain valuable to me up to this day. Those life lessons are what I’m going to share with you in this podcast episode.

You can invest in ATRAM funds from anywhere in the world, through FirstMetroSec FundsMart. Start investing with only P5,000. Account opening is easy and convenient through the FirstMetroSec GO mobile app. You can visit bit.ly/firstmetrosecapp to know more.

For the show notes, visit my blog post here.

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Welcome to Episode 123 of The 80 Percent.

In the human life cycle, we go through the stages of infancy, childhood, puberty, adulthood, and old age. For our financial life, we also go through a similar cycle – stages that describe who we are and what our priorities should be when it comes to our investments. The five financial stages are what I’ll share with you today.

Watch a FREE online financial coaching video, visit imgwealthacademy.com.

For the show notes, visit my blog post here.

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Welcome to Episode 122 of The 80 Percent.

Today, we have Ms. Pia Arellano of TransUnion Philippines as a guest. We talked about what a credit score is, the factors that affect it, how you can improve it, and the benefits of having a good credit score.

For the show notes, visit my blog post here.

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Welcome to Episode 121 of The 80 Percent.

You probably already know what passive income is. But are you familiar with the concept of residual income? Today, we’ll talk about that… and how creating residual income can help you achieve massive passive income.

Watch a FREE online financial coaching video, visit imgwealthacademy.com.

For the show notes, visit my blog post here.

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Welcome to Episode 120 of The 80 Percent.

For today, we have Noel Tordesillas, the Head of E-Channel of Etiqa, who will talk about the benefits of travel and other non-life insurance.

Traveling soon? Enjoy a worry-free vacation with travel insurance. For as low as ₱625.00, you can get travel insurance with covid-19 coverage for your 10-day international trip. Purchase travel insurance online at www.etiqa.com.ph/travelinsurance

For the show notes, visit my blog post here.

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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich.

You can read today's article here: https://t.ly/FNhV

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Welcome to Episode 119 of The 80 Percent.

If you’re looking for a good stock to buy, then perhaps you should consider ESG companies. But what is ESG? Today, we have Dexter Agcaoili, the Segment Director of Wealth Management at AXA Philippines, to tell us more about this.

Watch a FREE online financial coaching video, visit imgwealthacademy.com.

Learn more about AXA Philippines here.

For the show notes, visit my blog post here.

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Welcome to Episode 118 of The 80 Percent.

Gusto mo ba mag-business pero natatakot ka at hindi mo alam kung saan at paano magsisimula? If your answer is yes, then this episode is for you.

This episode is supported by PLDT Home. Visit pldthome.com/biz or go to the nearest PLDT Store to learn more about them.

For the show notes, visit my blog post here.

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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich.

You can read today's article here: https://t.ly/Ooe-

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Welcome to Episode 117 of The 80 Percent.

Are you looking for a business idea that needs only a little or no capital? If your answer is yes, then this episode is for you.

This episode is supported by PLDT Home. Visit pldthome.com/biz or go to the nearest PLDT Store to learn more about them.

For the show notes, visit my blog post here.

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Welcome to Episode 116 of The 80 Percent.

Today, I’m giving you a challenge. Pause for a few minutes and think about how your life was five years ago. Make a distinction of how different it is from your life today.

Go ahead. Done? So why did I just ask you to do this? Let me explain in this episode.

Watch a FREE online financial coaching video, visit imgwealthacademy.com.

For the show notes, visit my blog post here.

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Welcome to Episode 115 of The 80 Percent.

Our cash flow has two sides: expenses and income. If we want more cash flow then we should minimize our expenses, and then afterward, find ways to increase our income.

Today, I’m sharing the skills and mindset that you need to help you with the second part, increasing your income. Particularly, the things you need to learn if you want to pursue a side business or do freelancing on the side.

Watch a FREE online financial coaching video, visit imgwealthacademy.com.

For the show notes, visit my blog post here.

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Welcome to Episode 114 of The 80 Percent.

Today, we're talking about five financial habits that will serve as your foundation for growing your wealth. These habits may seem basic, but I'll explain to you why they're so important and how the benefits of these habits can easily compound for you in the future.

Sign up for a Binomo account today: https://bit.ly/BINOMOPH

Risk warning: Your capital might be at risk

For the show notes, visit my blog post here.

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Welcome to Episode 113 of The 80 Percent.

Today, we’re having a conversation with Sir Renato Vergel de Dios. He is the president and CEO of BDO Life at pag-uusapan namin ang issue National Insecurity sa Pilipinas. We’re also going to talk about the role of life insurance in addressing this national insecurity and discuss the barriers that are keeping Filipinos from getting insurance.

Below are ways to reach BDO Life.

BDO Life Assurance Company, Inc.

BDO Corporate Center, 7899 Makati Avenue, Makati City, Metro Manila, Philippines

Customer Care Hotline: (632) 8885-4110

Toll-Free Hotline: 1800-1888-6303 (PLDT)

Fax: (632) 5325-0792

Email: we-care@bdolife.com.ph

Website: www.bdo.com.ph/bdolife/we-protect

For the show notes, visit my blog post here.

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Welcome to Episode 112 of The 80 Percent.

Nahihirapan ka bang mag-ipon kasi halos eksakto lang kinikita mo para sa mga gastos mo? Today, I’m going to share with you some tips on how you can save money on a low income and just barely enough for your expenses.

Watch a FREE online financial coaching video, visit imgwealthacademy.com.

For the show notes, visit my blog post here.

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Welcome to Episode 111 of The 80 Percent.

Today, we’ll talk about common misconceptions about savings and insurance. And also share practical money management and personal finance tips.

UnionBank Online, our episode partner, is the best companion to guide you through practical money management. It has made banking easier and more accessible with features like account opening, check deposit, money transfer, bills payment, load purchase, remittance, and much more!

Download the app now or visit www.unionbankph.com to learn more.

For the show notes, visit my blog post here.

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Welcome to Episode 110 of The 80 Percent.

Today, we're talking to Kenneth Reyes-Lao, the founder of Cacao Culture, a social enterprise focused on developing and promoting Philippine cacao & chocolate products.

But more than that, he's also the founder and resident FIRE starter of FIRE Movement Philippines, a Facebook group for Filipinos who are pursuing FIRE or Financial Independence Retire Early.

Watch a FREE online financial coaching video, visit imgwealthacademy.com.

For the show notes, visit my blog post here.

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Welcome to Episode 109 of The 80 Percent.

Today, we’re going to talk about the Effort Paradox.

We’ll define what it is and explain the reason why we give more value to things that required a lot of effort to create, and how we can use this cognitive concept to help us succeed in life.

Watch a FREE online financial coaching video, visit imgwealthacademy.com.

For the show notes, visit my blog post here.

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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich. You can read today's article here: https://t.ly/XpnE


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Welcome to Episode 108 of The 80 Percent.

Today’s episode is about money avoidance. This bad money habit might be the main reason why you can’t improve your finances.

Watch a FREE online financial coaching video, visit imgwealthacademy.com.

For the show notes, visit my blog post here.

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Welcome to Episode 107 of The 80 Percent.

If you want to know where to invest, you first need to answer why do you want to invest. What’s your financial goal? What’s your plan for your money?

Today, I’m giving you the three main reasons why people invest, and how these reasons, along with other factors, can guide you in choosing the best investment for you.

What you’ll hear in this episode is an audio clip from a live stream that I did on my YouTube channel last year. I believe this is too important not to share here in the podcast, and I hope you enjoy it.

Sign up for a FREE account in PDAX.ph and use FITZ as a referral code to get a welcome bonus.

For the show notes, visit my blog post here.

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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich. You can read today's article here: t.ly/ZZyn


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Welcome to Episode 106 of The 80 Percent.

Today, we have the CEO of Philippine Digital Asset Exchange (PDAX), Nichel Gaba. In this episode, we talked about what happened last year in the cryptospace and what could be the possible developments and trends in crypto, blockchain, and NFTs this year.

Sign up for a FREE account in PDAX.ph and use FITZ as a referral code to get a welcome bonus.

Check out the show notes for this episode here on my blog.

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Welcome to Episode 105 of The 80 Percent.

When it comes to investing, we’re always looking for the one with the highest returns or the lowest risks – as it should be. But other important factors that only a few consider are ease and convenience. And that’s what we’re discussing in today’s episode.

Check out Hisense on Facebook@hisenseph on Instagram, or visit their website, hisense.com.ph.

Read the show notes for this episode here on my blog.

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Welcome to Episode 104 of The 80 Percent.

Gusto mo bang mag-relocate sa ibang bansa, either for work or studies, or permanently? Then this episode is for you. Today, we have Kring Lacson of The Greener Side podcast sharing tips on how to relocate abroad.

Learn and earn from crypto, NFT's and more. Create a free Binance account today: bit.ly/createfreebinance

Check out the show notes for this episode here on my blog.

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Welcome to Episode 103 of The 80 Percent.

It’s our last episode for the year, and we’re counting down the best of the best of 2021.

Visit our official website: the80percentpodcast.com

Check out the show notes for this episode here on my blog.

Links to the show notes of the Top 5 episodes:

Top 5: Episode 66: All About Bitcoin, Ethereum, and NFTs with Marvin Germo

Top 4: Episode 53: Passive Income is Not For The Lazy

Top 3: Episode 52: How To Motivate Yourself to Do Hard But Important Tasks

Top 2: Episode 58: 10 Money-Smart Tips for Single People

Top 1: Episode 68: 8 Best Investments for Young Professionals


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Welcome to Episode 102 of The 80 Percent.

Today, we have Podcast Network Asia's CEO, Ronster Baetiong as our guest and in this episode, we talked about the three things you need to do if you want to own the life you want. You'll learn how to set out and run your own race and live the life of your dreams.

Own the life you want with the pure power of the iPhone 13 with GPLAN. Just head on to shop.globe.com.ph or you may also visit a Globe store near you.

Check out the show notes for this episode here on my blog.

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Welcome to Episode 101 of The 80 Percent.

Today is all about retirement planning. How do you know if you’re financially ready to retire? In this episode, I’m going to share with you one way to find out.

Visit our official website: the80percentpodcast.com

Check out the show notes for this episode here on my blog.

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Welcome to Episode 100 of The 80 Percent.

It's the 100th episode and it's a true milestone for us. So today, I’m expressing my gratitude to all the listeners by sharing the seven benefits of practicing gratitude, and how it can help you become rich, and all according to science!

Visit our official website: the80percentpodcast.com

Check out the show notes for this episode here on my blog.

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Welcome to Episode 99 of The 80 Percent.

Today, we’re talking about the importance of being intentional with our actions. And I’m going to share with you a cognitive theory that can help you become more inspired and motivated to work on your self-development.

Visit our official website: the80percentpodcast.com

Check out the show notes for this episode here on my blog.

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Welcome to Episode 98 of The 80 Percent.

Today, we’re looking at the relationship of intelligence and wealth. Mas madali bang yumaman kung matalino ka? Ano sa tingin mo?

Visit our official website: the80percentpodcast.com

Check out the show notes for this episode here on my blog.

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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich. You can read today's article here: t.ly/AWNC


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Welcome to Episode 97 of The 80 Percent.

Today, we will be talking about investing. Particularly, the most common mistakes that new or beginner investors commit.

Visit our official website: the80percentpodcast.com

Check out the show notes for this episode here on my blog.

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Welcome to Episode 96 of The 80 Percent.

Today’s episode will be all about risk. What is risk and what can we do to avoid or minimize it, especially when making financial decisions.

Visit our official website: the80percentpodcast.com

Check out the show notes for this episode here on my blog.


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Welcome to Episode 95 of The 80 Percent.

Today, kasama natin si Rienzie Biolena, isang Registered Financial Planner at ang co-founder ko sa Wealth Arki, ang financial consultancy firm namin. Nag-kwentuhan kami at nagbigay ng tips tungkol sa paglilipat ng bahay, because moving into a new home can be expensive if you’re not careful. There’s a lot of mistakes that can happen that would result in unnecessary costs.

This episode is brought to you by Lessandra. Contact them at lessandra.com.ph/contact-us or message their Facebook Page @LessandraOfficial to learn more about their affordable house and lots.

For the show notes, visit my blog post here.


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Welcome to Episode 94 of The 80 Percent.

This episode is for everyone who’s planning to put up a business. Listen now to hear my business tips on how to start and grow your venture.

One great piece of advice that I gave is to find a reliable partner, like LBC SoShop!

Sign up and become a member to enjoy perks and discounts. They have a loyalty program where the more you shop, the more you save! Yes, you can save up to 20%, 40%, 50% as you go from Elite Bronze, Elite Silver, to Elite Gold.

And here’s a special deal for you: sign up with LBC So Shop! now and get an instant and FREE TIER UPGRADE by using this link: bit.ly/ss-slv

For the episode show notes, visit my blog post here.


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Welcome to Episode 93 of The 80 Percent.

Today’s episode will be all about credit cards. I’m going to share with you some tips and tricks that I do to control and manage my credit card spending and make sure that I don’t go into debt.

Watch a FREE online financial coaching video, visit imgwealthacademy.com.

For the show notes, visit my blog post here


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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich. You can read today's article here: t.ly/uqx1


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Welcome to Episode 92 of The 80 Percent.

Today, I’m going to share 10 expert insights on real estate investing in the Philippines Nakipag-kwentuhan tayo sa mga kaibigan kong real estate professionals at ise-share ko sa inyo ngayon ang summary ng mga natutunan ko sa kanila.

This episode is brought to you by Lessandra. Contact them at lessandra.com.ph/contact-us or message their Facebook Page @LessandraOfficial to learn more about their affordable house and lots.

For the show notes, visit my blog post here.


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Welcome to Episode 91 of The 80 Percent.

Today, we’re talking about the IKEA Effect. I’m going to tell you what it is, how it affects our purchasing decisions, and how we can use it to improve our personal finance.

Watch a FREE online financial coaching video, visit imgwealthacademy.com.

For the show notes, visit my blog post here


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Welcome to Episode 90 of The 80 Percent.

This episode will be all about digital banking. Specifically, I’ll share the differences between a digital bank versus a traditional bank.

A few days ago, naging speaker ako sa isang virtual event na inorganize ng Junior Financial Management Association of San Beda University. And this was my seminar topic that day. And what you’ll hear in this episode is a recording of my talk.

Watch a FREE online financial coaching video, visit imgwealthacademy.com.

For the show notes, visit my blog post here.


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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich. You can read today's article here: t.ly/mrBm


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Welcome to Episode 89 of The 80 Percent.

Today, I have two special guests, Ms. Ana Isabel Sanchez Ruiz and Ms. Kate Ramil, who will be talking to us about the European Higher Education Fair 2021, that’s happening on October 1-2.

Calling all students, academicians, researchers, and university officials, register and attend the EFEF 2021 at ehefphilippines.com.

For the show notes, visit my blog post here.


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Welcome to Episode 88 of The 80 Percent.

Extra income ba ang hanap mo? Then listen to this episode as I tell you the strategies that can help you find the side hustle that’s right for you.

Watch a FREE online financial coaching video, visit imgwealthacademy.com.

For the show notes, visit my blog post here


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Welcome to Episode 87 of The 80 Percent.

Today, we’re going to talk about real estate investing. Particularly, ano ba ang mga dapat ihanda bago bilhin ang una mong real estate investment.

This episode is brought to you by Lessandra. Contact them at lessandra.com.ph/contact-us or message their Facebook Page @LessandraOfficial to learn more about their affordable house and lots.

For the show notes, visit my blog post here.


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Welcome to Episode 86 of The 80 Percent.

Today, we’re going to talk about procrastination because this is one of the obstacles we need to overcome if we want to learn good financial habits and to be productive in general.

Jumpstart your cryptocurrency journey with OKEx. Visit bit.ly/openokex to sign up for a FREE account today.

Discover the easiest way to monetize your podcast with Podmetrics.co. Use 80PERCENT as your referral code and get a FREE copy of an ebook entitled, "How to Make Money From Your Podcast Even If You Have Less Than 1,000 Listeners".

For the show notes, visit my blog post here. 


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Welcome to Episode 85 of The 80 Percent.

Today, we’re going to talk about delayed gratification and the concept of self-control. Dahil isa ito sa mga key concepts when it comes to improving our personal finance.

Jumpstart your cryptocurrency journey with OKEx. Visit bit.ly/openokex to sign up for a FREE account today.

Discover the easiest way to monetize your podcast with Podmetrics.co. Use 80PERCENT as your referral code and get a FREE copy of an ebook entitled, "How to Make Money From Your Podcast Even If You Have Less Than 1,000 Listeners".

For the show notes, visit my blog post here. 


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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich. You can read today's article here: https://t.ly/hAZV


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Welcome to Episode 84 of The 80 Percent.

Today, we have the Founder and CEO of LOCAD, Mr. Constantin Robertz, as guest. At nag-kwentuhan kami tungkol sa e-commerce at online stores in the Phlippines.

Kung nagbebenta ka or may balak kang magbenta ng products online – either through Lazada, Shoppee, or through your own website, then this episode is for you.

Visit golocad.com to learn more.For the show notes, visit my blog post here. 


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Welcome to Episode 83 of The 80 Percent.

Today, I’ll tell you about three concepts from Psychology that can help you stop being a spender and start becoming a saver.

Jumpstart your cryptocurrency journey with OKEx. Visit bit.ly/openokex to sign up for a FREE account today.

For the show notes, visit my blog post here. 


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Welcome to Episode 82 of The 80 Percent.

Today, we have the Senior Marketing Manager of OKEx, Mr. Chris Tan at mag-kwe-kwentuhan kami tungkol sa cryptocurrency.

We’ll discuss some intermediate concepts and more importantly, share some bold predictions on what lies in the future for crypto and how you can take advantage and make money from these opportunities.

Open an OKEx account today at bit.ly/openokexFor the show notes, visit my blog post here


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Welcome to Episode 81 of The 80 Percent.

It’s easy to start investing, but if you want to optimize your returns, then that requires having the proper mindset and a good amount of financial discipline. That’s why today, I’m sharing with you the 7 characteristics or personality traits you need to develop to become a successful investor.

What you’ll hear is actually an audio clip from a live stream that I did on my YouTube channel, and I hope you enjoy it.

Watch a FREE online financial coaching video, visit imgwealthacademy.com.

For the show notes, visit my blog post here. 


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Welcome to Episode 80 of The 80 Percent.

Today, kasama natin sina Rica and JC of The Halo-Halo Show podcast, and we’ll be sharing our tips for living on your own. Para ito sa mga nag-iisip na maging independent. It’s dedicated to everyone who wants to finally leave their home and get a place of their own.

This episode is brought to you by Lessandra. Contact them at lessandra.com.ph/contact-us or message their Facebook Page @LessandraOfficial to learn more about their affordable house and lots.

For the show notes, visit my blog post here.


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Welcome to Episode 79 of The 80 Percent.

Today, I’m going to talk about the 7 traits that every freelancer should have if they want to be efficient and effective with their work.

Watch a FREE online financial coaching video, visit imgwealthacademy.com.

For the show notes, visit my blog post here. 


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Welcome to Episode 78 of The 80 Percent.

Today, I’m sharing with you the 12 irrefutable principles of investing by Sir Rex Mendoza, who is one of the mentors I look up to when it comes to finance and investments. He is the president and CEO of Rampver Financials and is one of the most respected and influential people on personal finance in the Philippines.

What you’ll hear is actually an audio clip from a live stream that I did on my YouTube channel, and I hope you enjoy it.

Watch a FREE online financial coaching video, visit imgwealthacademy.com.

For the show notes, visit my blog post here. 


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Welcome to Episode 77 of The 80 Percent.

Today, we’re talking about Axie Infinity, which is a video game where people can earn money. And I have my good friends, Ginger and Ej Arboleda of Team Arbo to explain to us the basics of Axie Infinity.

For the show notes, visit my blog post here. 


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Welcome to Episode 76 of The 80 Percent.

Today, we’re talking about income streams. Particularly, the seven different sources of income that millionaires have.

Watch a FREE online financial coaching video, visit imgwealthacademy.com.

For the show notes, visit my blog post here. 


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Welcome to Episode 75 of The 80 Percent.

Today, we’re talking about lifestyle creep. What it is, why it happens, and how to avoid this sneaky and silent budget killer.

Sign up for XTB Investing Day: bit.ly/xtbinvestingday

Check out and download Kumu here: https://app.kumu.ph/e7TBjW6vQgb

For the show notes, visit my blog post here. 


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Welcome to Episode 74 of The 80 Percent.

Today, I’m sharing with you some personal finance principles that people often overlook or forget. It’s important to know these because sometimes, a change in perspective is what you need to change the way you handle money.

Sign up for XTB Investing Day: bit.ly/xtbinvestingday

Check out and download Kumu here: https://app.kumu.ph/e7TBjW6vQgb

For the show notes, visit my blog post here. 


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Welcome to Episode 73 of The 80 Percent. Today, kasama natin sa episode na ito si Direk Antoinette Jadaone at si Yosh Dimen, para pag-usapan ang pagsusulat, quarter-life crisis, at paano ba dapat i-pursue ang mga passion natin sa buhay.

Invest in real estate with Flint PH: bit.ly/flintph

Check out and download Kumu here: https://app.kumu.ph/e7TBjW6vQgb

Please visit my blog post here for the show notes and learn more about Direk Tonet and Yosh. 


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Welcome to Episode 72 of The 80 Percent. Today, we’re talking about how our financial health is deeply connected to our physical and mental health. And why it’s important to manage our financial stress if we want to live a happy and healthy life.

This episode is brought to you by KonsultaMD.

Join the raffle and get the chance to win FREE KonsultaMD vouchers. Check the episode show notes here to learn how to join.


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Welcome to Episode 71 of The 80 Percent. Today, I’m sharing with you my credit card story. Specifically, the mindset and habits that I needed to learn to successfully pay off P200,000 in debt.

Invest in real estate with Flint PH: bit.ly/flintph

Check out and download Kumu here: podlink.co/kumu-the80percent

For the show notes, visit my blog post here. 


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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich. You can read today's article here: https://t.ly/SlVk


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Welcome to Episode 70 of The 80 Percent. Today, we have Mars Silvala of SeekCap and Raquel Higuti of Lemonology, who will tell us how a business loan helped her small store grow during the pandemic.

Follow Lemonology PH on Facebook.

Learn more about SeekCap here.

For the show notes, visit my blog post here.


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Welcome to Episode 69 of The 80 Percent. Today, I’m introducing you to one of the most important people in your life… your future self.

Sign up for eToro: bit.ly/openetoroaccount

Invest in real estate with Flint PH: bit.ly/flintph

For the show notes, visit my blog post here.


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Welcome to Episode 68 of The 80 Percent. Today, I’m sharing with you eight of the best investments you can have as a young professional.

Sign up for eToro: bit.ly/openetoroaccount

Invest in real estate with Flint PH: bit.ly/flintph

For the show notes, visit my blog post here.


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Welcome to Episode 67 of The 80 Percent.

Isa sa mga priority goals nating mga Pinoy ay ang makabili ng sariling bahay. That’s why for today’s episode, I partnered with Lessandra and I will be sharing with you the top 10 things that you should consider when buying a property.

To know more about Lessandra, visit lessandra.com.ph and their Facebook Page @LessandraOfficial today.

For the show notes, visit my blog post here.


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Welcome to Episode 66 of The 80 Percent. Today, I invited my friend, Marvin Germo to talk about cryptocurrencies.

We shared our thoughts on Bitcoin, Ethereum, NFTs, and gave tips on how to get started on crypto trading and investing.

Sign up for eToro: bit.ly/openetoroaccount

Invest in real estate with Flint PH: bit.ly/flintph

For the show notes, visit my blog post here.


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Welcome to Episode 65 of The 80 Percent.

A lot of people say that the stock market is a great investment, but many also say that it’s a high-risk investment and you could lose your money in it.

Today, we’ll talk about the strategies you can do para hindi ka na matakot mawalan ng pera sa pag-i-invest.

Sign up for eToro: bit.ly/openetoroaccount

Invest in real estate with Flint PH: bit.ly/flintph

For the show notes, visit my blog post here.


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Welcome to Episode 64 of The 80 Percent. Today, we’ll talk about Survivorship Bias.

We’ll define what it is and how it is a common mistake that people commit when it comes to analyzing the financial markets.

Sign up for eToro: bit.ly/openetoroaccount

Invest in real estate with Flint PH: bit.ly/flintph

For the show notes, visit my blog post here.


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Welcome to Episode 63 of The 80 Percent. Today, I’m sharing with you the audio recording of my talk during the Financial Fitness Forum 2021.

My topic was how to start any business with zero capital. So, kung gusto mong mag-negosyo pero wala kang pera, then this episode is for you.

Sign up for eToro: bit.ly/openetoroaccount

Invest in real estate with Flint PH: bit.ly/flintph

For the show notes, visit my blog post here.


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Welcome to Episode 62 of The 80 Percent. Today, I’m sharing practical tips to avoid impulse buying.

Be intentional and plan your purchases, get ready and Add to Cart now for the Lazada Birthday Sale on March 27. Check out the best deals now at https://bit.ly/buylazada

For the show notes, visit my blog post here.


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Welcome to Episode 61 of The 80 Percent. Today, we’ll be talking about the value of being prugal… not frugal, but prugal. What does prugal even mean? You’ll find out in this episode.

Sign up for eToro: bit.ly/openetoroaccount

Invest in real estate with Flint PH: bit.ly/flintph

For the show notes, visit my blog post here.


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Welcome to Episode 60 of The 80 Percent. Today, I’m sharing with you my presentation during the Philippine Financial Summit 2021 where I talked about the importance of personal finance.

Shoutout goes to the UP Junior Finance Association for inviting me, and if you want to learn more about the summit, then you can check out their website at upjfa.com.

Sign up for eToro: bit.ly/openetoroaccount

Invest in real estate with Flint PH: bit.ly/flintph

Click here to take the podcast survey and get a chance to win a ticket to the Financial Fitness Forum 2021.

For the show notes, visit my blog post here.


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Welcome to Episode 59 of The 80 Percent. Today, we’ll be talking about Sigmund Freud’s Theory of Personality and how it’s related to our money habits.

You’ll learn about the id, the ego, and the superego and how each one can trick you into making bad financial decisions. Plus, what you can do to avoid those mistakes and improve your personal finance.

Sign up for eToro: bit.ly/openetoroaccount

Invest in real estate with Flint PH: bit.ly/flintph

For the show notes, visit my blog post here.


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Welcome to Episode 58 of The 80 Percent. Today, I’ll be sharing with you some practical money-saving tips, especially if you’re a young single professional.

This is the topic that I discussed last February 15, when I did a live stream on Kumu with Podcast Network Asia. What you’ll hear are clips for that live stream, and I hope you enjoy it.

Invest in real estate with Flint PH: bit.ly/flintph

Discover the easiest way to monetize your podcast with Podmetrics.co. Use 80PERCENT as  referral code and get a FREE copy of an ebook entitled, "How to Make Money From Your Podcast Even If You Have Less Than 1,000 Listeners".

For the show notes, visit my blog post here.


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Welcome to Episode 57 of The 80 Percent. Today is our sort-of Valentine’s Day episode because we’ll be answering a question that people often ask.

At yun ay… alin ba dapat ang sinusunod, puso o isip? When it comes to making decisions, especially about our finances, should you follow your heart or your mind?

Invest in real estate with Flint PH: bit.ly/flintph 

Discover the easiest way to monetize your podcast with Podmetrics.co. Use 80PERCENT as  referral code and get a FREE copy of an ebook entitled, "How to Make Money From Your Podcast Even If You Have Less Than 1,000 Listeners". 

For the show notes, visit my blog post here.


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Welcome to Episode 56 of The 80 Percent. Today, we’ll be talking about why it’s important to improve our communication skills.

And joining me in this episode is Ms. Jenn Simons, the communications manager of Uploan, who will share with us tips on how to be a better communicator.

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For the show notes, visit my blog post here.


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Welcome to Episode 55 of The 80 Percent. Today, we’ll talk about investment scams. How to spot them, so that you can avoid them. 

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Discover the easiest way to monetize your podcast with Podmetrics.co. Use 80PERCENT as  referral code and get a FREE copy of an ebook entitled, "How to Make Money From Your Podcast Even If You Have Less Than 1,000 Listeners". 

For the show notes, visit my blog post here.


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Welcome to Episode 54 of The 80 Percent. Today, we’ll be helping out a listener who reached out and asked how she can get out of debt.

Of course, with me today is a special guest, Mr. Efren Cruz, who is a Registered Financial Planner, and the Chairman & CEO of Personal Finance Advisers Philippines Corporation. Dedicated ang episode na ito para sa lahat ng mga baon sa utang. I hope makatulong sa inyo ang mga ibibigay naming tips and advice.

Invest in real estate with Flint PH: bit.ly/flintph

Discover the easiest way to monetize your podcast with Podmetrics.co. Use 80PERCENT as referral code and get a FREE copy of an ebook entitled, "How to Make Money From Your Podcast Even If You Have Less Than 1,000 Listeners".

For the show notes, visit my blog post here.


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Welcome to Episode 53 of The 80 Percent. Today, we’ll talk about passive income. Particularly, the common misconceptions about it.

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For the show notes, visit my blog post here.


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Welcome to Episode 52 of The 80 Percent. Creating and following a budget is important, pero hindi ito madaling gawin. Madalas… nakakalito at nakakatamad.

Today, I’ll give you 5 tips on how to get the motivation para gawin ang mga bagay na mahirap or challenging, so that in the end, you’ll be able to enjoy its benefits.

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For the show notes, visit my blog post here.


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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich. You can read today's article here: https://t.ly/8JVm


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Welcome to Episode 51 of The 80 Percent. Today, we’ll talk about how you can succeed at growing your savings in 2021.

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For the show notes, visit my blog post here.


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Welcome to Episode 50 of the 80 Percent. Today, we’ll be talking about startups. Not just the Netflix Kdrama, but some of the actual stories in the Philippine startup scene.

At kasama natin in this episode si Ms. Katrina Chan, the director of QBO, which is a Philippine innovation hub and startup platform. At si Mr. Ray Refundo, the CEO and founder of Qwikwire, which is a cross-border billing and invoicing platform.

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For the show notes, visit my blog post here.


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Welcome to Episode 49 of The 80 Percent. Today, kasama ulit natin ang Security Bank at pag-uusapan natin ang kanilang market outlook for 2021 at ano ba ang magandang investment strategy for next year.

Joining us in this episode are Mr. Raf Palma-Gil, an equity fund manager, and Mr. Dino Aquino, Head of the Fixed Income Department. Both of them are from the Trust and Asset Management Group’s Investments Division of Security Bank.

Visit bit.ly/SECBinvestments to know more about their investment products and services.

For the show notes, visit my blog post here.


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Welcome to Episode 48 of The 80 Percent. Today, I’m going to share with you 10 financially smart things you should do before the year ends.

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Welcome to Episode 47 of The 80 Percent. Siguro, familiar ka sa term an FOMO, or Fear of Missing Out. Pero, alam mo ba ang FOBO, or Fear of Better Options? ‘Yan ang pag-uusapan natin today.

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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich. You can read today's article here: https://bit.ly/3lKCaHf


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Welcome to Episode 46 of The 80 Percent. Today, we're joined by guests, Dan Roces and Gelo Taningco of Security Bank,  to talk about what happened to the Philippine economy in 2020 and a glimpse of what we can expect moving forward to 2021.

This episode is supported by Security Bank.

For the show notes, go to bit.ly/the80percent


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Welcome to Episode 45 of The 80 Percent. Today, we’ll talk about entrepreneurship. Particularly, I’ll share with you the mindset that has helped me through the years in finding profitable business ideas.

For the show notes, visit my blog post here.

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Welcome to Episode 44 of The 80 Percent.  Today, we’re talking to the couple behind Happy Plant Co, Victor & Steph Basa.

This episode is the third and last of the series of episodes for "Small Business Podcast: Pursue Your Passion," in collaboration with Dell Technologies.

For the show notes, visit my blog post here.

Check out Happy Plant Co on Instagram: @happyplantco

PursueYourPassion #DellSmallBusiness #DellTechnologiesPH


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Welcome to Episode 43 of The 80 Percent. Today, we’re talking to lifestyle influencer and founder of Rhipe’s Backyard, Ms. Ira Denise Oyco.

This episode is the second of a series of three episodes for "Small Business Podcast: Pursue Your Passion," in collaboration with Dell Technologies.

For the show notes, visit my blog post here.

Check out Rhipe's Backyard on Instagram: @rhipesbackyard

Follow Ira on Instagram as well: @iradeniseoyco

PursueYourPassion #DellSmallBusiness #DellTechnologiesPH


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Welcome to Episode 42 of The 80 Percent. Today, we’re talking to the founder of Kind Beauty PH, Ms. Alex Javier.

This episode is the first of a series of three episodes for "Small Business Podcast: Pursue Your Passion," in collaboration with Dell Technologies.

For the show notes, visit my blog post here.

Check out Kind Beauty PH on Instagram: @kindbeautyph

PursueYourPassion #DellSmallBusiness #DellTechnologiesPH


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Welcome to Episode 41 of The 80 Percent. Today, we’re talking about retail therapy.

For the show notes, visit my blog post here.

Support our sponsor and download the Shopback app here:  bit.ly/thankyoushopback


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Welcome to Episode 40 of The 80 Percent. Today, we’re talking about the stock market.

For the show notes, visit my blog post here.


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Welcome to Episode 39 of The 80 Percent. Today, I’m telling you the story of how I left the corporate world to become an entrepreneur. Plus, the life lessons that I learned along the way.

For the show notes, visit my blog post here.


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Welcome to Episode 38 of The 80 Percent. Today, we’ll talk about a mindset strategy that will help you reach your financial goals. Pero kahit mindset strategy ito, the application is very practical.

For the show notes, visit my blog post here.


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Welcome to Episode 37 of The 80 Percent. Today, we’ll talk about bad money habits, bakit nga ba ang hirap baguhin ng mga ito, at ano ba ang mga strategies na pwede nating gawin para mapalitan sila ng good financial habits.

For the show notes, visit my blog post here.


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Welcome to Episode 36 of The 80 Percent. Today, we’ll be talking about happiness, and how it’s connected to financial success.

For the show notes, visit my blog post here.


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Welcome to Episode 35 of The 80 Percent. Today, I’m gonna tell you about my Kumu story and the important life lesson I realized in recent weeks.

For the show notes, visit my blog post here.

This episode is supported by Kumu, the Pinoy-made live streaming app, sign up for an account here: bit.ly/downloadkumu


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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich. You can read today's article here: https://bit.ly/2GhNFGt


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Welcome to Episode 34 of The 80 Percent. Today, we’ll talk about how to deal with slow financial progress, and I’ll share with you strategies that you can do to accelerate it

For the show notes, visit my blog post here.


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Welcome to Episode 33 of The 80 Percent. Today, we’ll talk about entrepreneurship. Specifically, how to find a good business idea.

For the show notes, visit my blog post here.


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Welcome to Episode 32 of The 80 Percent. The Philippines is officially in an economic recession. So, for this episode, we'll discuss how you can financially survive a recession.

For the show notes, visit my blog post here.


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Welcome to Episode 31 of The 80 Percent. Today, we’ll talk about a unique strategy to boost your productivity, especially if you’re working from home. And joining us is a mompreneur, who happens to be a very good friend of mine, Ginger Arboleda. She has a lot of stories to tell you in this episode.

For the show notes, visit my blog post here.


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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich.

You can read today's article here: https://bit.ly/2DsHeyQ

This episode is supported by Citi Cash Back Card, apply here: https://bit.ly/citicashbackcard


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Welcome to Episode 30 of The 80 Percent. Today, we’ll talk about the importance of self-worth and the concept of "money shame."

For the show notes, visit my blog post here.


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Welcome to Episode 29 of The 80 Percent. Today, we’ll talk about the 5 stages of financial wellness. Or in other words, this is the emotional journey you’ll go through when you start improving your personal finance.

For the show notes, visit my blog post here.


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Welcome to Episode 28 of The 80 Percent. Today, I’ll share with you 3 amazing true stories of people who earned P100,000 in less than 30 days during this pandemic.

For the show notes, visit my blog post here.


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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich.

You can read today's article here: https://bit.ly/2W5sHzq

This episode is supported by Citi Cash Back Card, apply here: https://bit.ly/citicashbackcard


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Welcome to Episode 27 of The 80 Percent. Today, we’re talking about reading. And joining us is the host of On The Money on ANC, Ms. Salve Duplito. She’ll share with us stories and tips on how to learn the valuable habit of reading.

For the show notes, visit my blog post here.


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Welcome to episode 26 of The 80 Percent. Today we’re again answering a couple of questions that was sent by our listeners. We’ll talk about the different ways to diversify, why it’s important, and how to know if you’re becoming over-diversified.

For the show notes, visit my blog post here.


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Welcome to Episode 25 of The 80 Percent. To start off our Season 3, we’ll talk about how to have the right mindset for success.

For the show notes, visit my blog post here.


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Welcome to episode 24 of The 80 Percent. Today, we’ll talk about the first fundamental principle of building massive wealth.

For the show notes, visit my blog post here.


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Welcome to episode 23 of The 80 Percent. Today we’re answering questions that was sent to us by our listeners about starting a business.

For the show notes, visit my blog post here.


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Welcome to episode 22 of The 80 Percent. Today we’re talking about a common topic in behavioral economics, which is the Sunk Cost Fallacy.

For the show notes, visit my blog post here.


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Welcome to episode 21 of The 80 Percent. Today’s episode is about how you can cope with losing your job. And to discuss this topic, I’ve invited Doc Gia Sison and Sir Renz Argao of the Walwal Sesh podcast to share with us their insights on this.

For the show notes, visit my blog post here.


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Welcome to episode 20 of The 80 Percent. Today’s episode is about overcoming your fears of losing money when investing.

For the show notes, visit my blog post here.


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Welcome to episode 19 of The 80 Percent. Today’s episode is about the best teacher that we all have, which is of course – experience.

For the show notes, visit my blog post here.


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Welcome to episode 18 of The 80 Percent. Today’s episode is for everyone who is having a difficult time following a budget. I’ll share with you a simple way to reframe budgeting, which can help you develop smarter financial habits.

For the show notes, visit my blog post here.


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Welcome to episode 17 of The 80 Percent. Today, I’m going to share with you strategies to avoid overspending.

For the show notes, visit my blog post here.


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Welcome to episode 16 of The 80 Percent. Today, I’m giving you 7 ways you can make money during this community quarantine or lockdown.

For the show notes, visit my blog post here.


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Welcome to episode 15 of The 80 Percent. Today, we’ll talk about the personal finance lesson that we can learn from that line in Taylor Swift's song 'Bad Blood'.

For the show notes, visit my blog post here.


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Welcome to episode 14 of The 80 Percent. Today, we'll talk about why it's important to have financial goals. We'll learn how to set SMARTER goals, and what is and how to apply the Principle of Matching when it comes to investing.

For the show notes, visit my blog post here.


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Welcome to episode 13 of The 80 Percent. Today, we’ll talk about the importance of having focus.

For the show notes, visit my blog post here.


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Welcome to The 80 Percent podcast! Please remember to follow or subscribe. Thank you for listening. Check out our website, the80percentpodcast.com


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Welcome to episode 12 of The 80 Percent. Today, we’ll talk about the science of boredom and how it can benefit ourselves and our personal finance.

For the show notes, visit my blog post here.


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Welcome to episode 11 of The 80 Percent. Today, we’ll talk about how to be financially smart during these times that we’re on community quarantine or lockdown.

For the show notes, visit my blog post here.


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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich.

You can read today's article here: http://bit.ly/3cYvEZn


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Welcome to episode 10 of The 80 Percent. Today, we’ll talk about the Kurot Principle.

For the show notes, visit my blog post here.


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Welcome to episode 9 of The 80 Percent. Today, we’ll talk a little bit about the Philosophy of Stoicism.

For the show notes, visit my blog post here.


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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich.

You can read today's article here: http://bit.ly/3chCwRe


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Welcome to episode 8 of The 80 Percent. Today, we’ll talk about 8 unhealthy mindsets about money.

For the show notes, visit my blog post here.


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Welcome to episode 7 of The 80 Percent. Today, we’ll talk about the choice between saving for the future and enjoying life today.

For the show notes, visit my blog post here.


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Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich.

You can read today's article here: http://bit.ly/3bAeII3


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Welcome to episode 6 of The 80 Percent. Today, we’ll talk about love, money, and relationships.

For the show notes, visit my blog post here.


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Welcome to episode 5 of The 80 Percent. Today, we’ll talk about the importance of knowing who you are and what you want in life.

For the show notes, visit my blog post here.


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Welcome to episode 4 of The 80 Percent. Today, we’ll talk about optimizing our spending. Paano ba natin babawasan ang gastos?

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Welcome to episode 3 of The 80 Percent. Today, we’ll talk about two things, persistence and progression.

For the show notes, visit my blog post here.


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Welcome to episode 2 of The 80 Percent. Today, we’ll talk about this super easy way to learn how to save money.

As in sobrang effortless! For the show notes, visit my blog post here.


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Welcome to episode 1 of The 80 Percent. Today, we’ll talk about the title of this podcast and why I chose to name it, “The 80 Percent”.

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