Sean: Now, how does one create the prosperity mindset when you don't have enough money or are just living off your savings?

Toni: How do you create the prosperity mindset, Sean?

Sean: It came from the book Rich Dad, Poor Dad, that changed my perspective. So Robert Kiyosaki stated in the book, 'the world is rich. It actually is very, very rich.' If you look at the GDP of the US, for example, how many trillion dollars per year they produce in business and you look at the Philippines, how many billions of dollars in our own GDP, right? We're not on the trillions, but we're still like on a billion-dollar scale, that's what we produce as a country.

Sean: And so I thought, that's a lot of money, you know, that's a lot of money. How come people keep thinking that, 'life is difficult, earning money is difficult, working is hard, there's not enough money.' Those are the things that I usually hear. I didn't grow up in a rich family. Actually, we're like, you know, we had enough to get by, and I would often hear that I'd often hear that from my parents that "life is hard, earning money is really difficult." And then when I read Robert Kiyosaki's book, I thought about, 'Where does the billion-dollar GDP of the Philippines really go? How can I also get into that GDP?' Right? And what you have to do is really add value to yourself, so you can add value to other people. And that's what the world will pay you for. That's my take on that.

Toni: OK. So speaking of books, the book that changed my entire perspective about money is the 'Secrets of the Millionaire Mind' by T. Harv Eker, and I always promote this book, even though I am not paid to say this. But that was the very first book that, as you said before I didn't really have - I did have a stable job, but I couldn't save, and I couldn't even save five percent of my annual income back then. Because I would always think that it's okay when I finish all the money I have because I know next month I'd be able to get it again.’

Toni: So I realized the error of my ways when I read that book and I learned how you should change your money script. So you know how sometimes whenever we see, let's say someone riding a sports car, we would always have that negative mindset or would usually think that "he or she's boastful." That's how we view people who had the money back then, and sometimes we tell ourselves, 'Oh, I'll never be able to afford that. So if you keep thinking this way or if you maintain this perspective, then you will feel as if you'll never be as successful as your wealthy friends, and this is basically an example of having a negative money script. So your money script will shape the way you view money. And that's why another part of having a good money script is to have a direction for your money. So your money needs to have direction, and that's why, as financial advisors, we do financial planning because it's important when you have a plan for your money so that at least you'll be able to shift your direction, you'll know your biggest "why" about why you're saving and why you're investing. So even if you don't have enough savings, thinking that you have these certain goals, you want to be financially free, you want to be able to work at the job that you love without worrying about money, then you will be more motivated or you'll shift your mindset to abundance when you have a direction for your goals. So that's my take on it.

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