Are you working hard but still not seeing the wealth you hoped for?

It might not be about your effort or desire but about not having a solid set of financial principles guiding you.

In today’s episode, we’ll uncover the key wealth principles that can help you build a strong financial foundation.

We’ll differentiate between values and principles, why principles matter, and how to craft and apply your own set of principles to achieve lasting financial success.

🧠What You’ll Learn:

1. Understanding Principles vs. Values

2. Importance of Principles

3. Common Wealth Principles

4. Creating Your Own Principles

5. Overcoming Challenges

Have you ever felt uncertain or disconnected when making financial choices, wondering if your decisions truly align with what matters most to you?

This alignment is crucial because when your values and financial decisions are out of sync, it often leads to stress, dissatisfaction, and even financial instability.

Research shows that when people align their financial actions with their personal values, they experience greater satisfaction and stability.

Financial decisions become more than just numbers—they start reflecting your true self.

This is why today, we’ll explore how to uncover your personal values and use them to guide your financial decisions effectively.

By the end of this episode, you’ll have a clear roadmap for aligning your financial actions with your deepest values, leading to better financial health and greater personal satisfaction.

What You'll Learn:

• The Importance of Understanding Personal Values

• Misalignment Between Personal Values and Financial Decisions
• Exercises to Identify Personal Values

Resources mentioned:

- ⁠Shalom Schwartz's Theory of 10 Universal Values⁠

- VIA Institute On Character ⁠Survey⁠

Imagine waking up one day to find out that you’ve lost 700,000 pesos to a scam.

It’s a nightmare that has become a harsh reality for many. Task scams, recruitment scams, investment scams, loan scams – they’re all designed to exploit our trust and financial vulnerability.

The rise in financial scams in the Philippines is alarming, with many falling victim due to lack of awareness.

Understanding how these scams operate is crucial to safeguarding our hard-earned money.

Today, we will explore various types of scams, from task scams to investment frauds, and equip you with the knowledge to protect yourself.

This episode is a recording of my recent interview with Ms. Salve and Ms. Valle on Teleradyo Panalong Diskarte, where we delved deep into these issues.

Knowing these tactics not only saves your money but also your peace of mind.

What You'll Learn:

- How to avoid loan, task, investment and other scams targeting OF's

- What to do when you receive unsolicited calls

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Have you ever wondered why some people seem to accumulate wealth faster than others, despite having similar incomes?

The key to financial success isn’t just about earning more money—it’s about how much you save and invest.

Many people chase higher-paying jobs or promotions, thinking this will lead to wealth.

But studies show that savings rate is a more crucial factor in building wealth than income alone.

According to research, individuals who focus on saving a significant portion of their income can accumulate wealth faster, regardless of their earnings level.

Understanding the advantage of having a higher savings rate can transform your financial journey.

It highlights the importance of managing your expenses and making conscious choices about your spending habits.

So, in today’s episode, we’ll uncover why saving is so powerful, explore common misconceptions, and discuss practical steps to boost your savings rate.

What You'll Learn:

- The secret to financial success is not just earning more but saving more.

- High savings rates lead to faster wealth accumulation.

- Managing expenses and prioritizing savings are crucial. - Automate savings, track expenses, and set clear financial goals.

- Living below your means and investing wisely accelerates financial growth.

Resource mentioned:

- Networthify: https://networthify.com/calculator/earlyretirement

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Time is the most valuable resource we have, yet many of us overlook its importance in our pursuit of financial freedom.

We often think that financial abundance will give us the life we desire, but there's a foundational element we're missing.

Inspired by Dan Sullivan's book Who Not How, I learned that time freedom is the foundation of true financial freedom.

Without control over your time, financial freedom remains an elusive goal.

In this episode, I'll share why time freedom should come first before financial freedom and how you can gain control over your time.

I’ll also be sharing some words of caution for those who pursue this path.

-- 👋🏻 Connect with Kuya Jay on social media. Ask questions, inquire for collabs, sponsorships, or schedule a quick coaching call here.

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Dan Sullivan's Who Not How