Welcome to Episode 240 of The 80 Percent.

Today, we’re talking about something very familiar to every Filipino employee. The 13th-month pay. It feels like a reward after a long year. It feels like a chance to breathe a little. But it is also one of the best opportunities to change your financial life with just a few smart moves. In this episode, you’ll hear my recorded presentation on this topic, which I recently delivered. I hope you enjoy it.

For the show notes, visit my blog post here.

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

Welcome to Episode 239 of The 80 Percent.

I sat down with two people who work on the front lines of this every day. Ben Lou, President and CEO of Debt Aid Consulting International. And Eunice Lou, their VP for Operations. Their team at DACI helps Filipinos who feel overwhelmed by loans, collectors, and financial pressure.

If you’re stressed about debt or utang. Or you know someone who is drowning in it. This episode might be the turning point you need.

For the show notes, visit my blog post here.

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

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

Today, we’re discussing a question that’s often been asked of me in recent months: Is it safe to invest in a cooperative? The local stock market has not been performing well, and investors are seeking alternative investments, particularly those that offer regular dividend payments. And thus, the recent surge in the popularity of cooperatives. So, in this episode, we’ll share the factors to consider when investing in a coop and how to know if one is legit and worth your investment.

To learn more, you can visit my blog post here.

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

Welcome to Episode 238 of The 80 Percent.

You might think estate planning is only for the rich or that your family can just sort it out later, but that’s where many people go wrong. In this episode, we’ll bust the most common estate planning myths and share simple steps to protect your assets and your loved ones.

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.

Welcome to Episode 237 of The 80 Percent.

Have you noticed how giving gifts feels more expensive every year? In this episode, we’ll talk about gift-flation or why prices keep going up, and how we can stay generous without overspending.

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.

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/mTcrx

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Welcome to Episode 236 of The 80 Percent.

What do you do during your free time? It’s essential to be mindful of how you use your personal time, as it holds the key to your financial growth.

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.

Welcome to Episode 235 of The 80 Percent.

Reaching your first million isn’t a finish line; it’s the beginning of a new journey. The money changes your mindset more than your lifestyle. And here’s what no one tells you about crossing that milestone and what really happens when you finally get there.

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.

Welcome to Episode 234 of The 80 Percent.

TransUnion has just released its 2025 Credit Perception Index, which reveals how Filipinos think and feel about borrowing, debt, and financial trust. Together with Peter Faulhaber, the President and CEO of TransUnion Philippines, we'll unpack the findings of this year’s Credit Perception Index, what it tells us about the state of credit in the country, and what it means for us, Filipinos.

For the show notes, visit my blog post here. Video episode will be available on YouTube on Sept 13.

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

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 117. 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.