There’s one big money myth we need to break:
“Kulang kasi ang kita ko kaya wala akong naiipon.”
But here’s the truth: It’s not always about how much you earn.
It’s about the habits you build with the money you already have.
In this post, we’ll look at the daily habits that separate the broke from the wealthy—and how you can start shifting your mindset and actions starting today.
1. Broke: Spends First, Saves What’s Left
Wealthy: Saves First, Spends What’s Left
A simple but powerful shift.
The wealthy treat savings as a non-negotiable expense.
Broke mindset? “Pag may natira, saka na lang ako mag-iipon.”
Tip: Automate your savings. Kahit ₱500 per payday, direct it to a separate account.
2. Broke: Relies on One Income Source
Wealthy: Builds Multiple Income Streams
Living paycheck to paycheck is risky.
Wealthy individuals create back-up plans—freelance work, small businesses, digital products, rentals, etc.
Tip: Start small. Turn your skills or passions into a side hustle.
3. Broke: Buys Based on Wants and Emotions
Wealthy: Buys Based on Needs and Strategy
Impulse buying is a wealth killer.
Wealthy people follow a budget or spending plan. They pause, compare, and check if the purchase aligns with their goals.
Tip: Use the 24-hour rule. Wait a day before buying non-essentials.
4. Broke: Avoids Talking About Money
Wealthy: Talks and Learns About Money Regularly
The more uncomfortable you are with discussing money, the more likely you’ll stay stuck.
Wealthy people ask questions, read books, attend seminars, and seek advice.
Tip: Follow financial content creators. Ask help from a licensed advisor (yes, that’s me!).
5. Broke: Lives for Today
Wealthy: Plans for the Future
“YOLO” is fun—until you can’t pay rent or afford a doctor.
Wealthy people have a vision for their future, and every money decision they make supports that vision.
Tip: Set short and long-term SMART goals. Dream with deadlines.
6. Broke: Thinks Insurance is an Expense
Wealthy: Knows Insurance is Protection
The wealthy don’t gamble with their health, life, or income.
They know insurance is a tool for peace of mind and financial safety.
Tip: If you’re not yet protected, let’s talk. There are affordable plans that work within your budget.
Success Leaves Clues
The difference between struggling and thriving isn’t always about sweldo.
It’s about consistency in the small daily habits.
Start with one good habit today—save, track, plan, protect.
In time, your money mindset will shift… and so will your future.
Want help building better money habits?
I can guide you through insurance, healthcare, budgeting, and savings planning—so you don’t have to figure it all out alone.
Let’s talk. Let’s grow.
Let’s build wealth on purpose.
Life With No Regrets 
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