The Abundance Formula: A Simple Money Hack Every Young Pinoy Needs to Know
Let’s be real—money’s tight. Whether you’re fresh out of college, stretching your first salary, or juggling side hustles, saving can feel impossible. But what if there’s a simple formula that helps you build wealth without starving yourself or giving up milk tea? It’s called the Abundance Formula: 100 – 10 – 20 – 70. It sounds like math, but it’s really just a system for handling every peso you earn. Here’s how it works: 10% Tithe or Give First, give 10% of your income. Yes, before anything else. Whether that’s to your church or to a cause you believe in, giving trains your mindset. It reminds you that you’re not operating from lack. Even if your income isn’t huge, you still have something to share. And mindset matters. Money isn’t just numbers—it’s behavior. 20% Save or Invest Next, take 20% and pay yourself. That means: Building your emergency fund Investing in mutual funds or stocks Setting aside capital for a future business or additional income stream This 20% is your ticket ...