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At 25, I found myself financially broke, I’m way beyond my big mouth promises, pennies in my pocket, nothing in my bank account, creditors were calling.
I question myself a lot, how did it happen? I graduated cum laude in a prestigious school ...

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A financial plan is a comprehensive evaluation of an investor's current and future financial state by using currently known variables to predict future cash flows, asset values and withdrawal plans.


The process of determining retirement income goals and the actions and decisions necessary to achieve those goals. Retirement planning includes identifying sources of income, estimating expenses, implementing a savings program and managing assets.
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   EJ Blog    Two Stages of Man

Two Stages of Man

There is a very small difference between rich and broke people and it lies in the way that they view money.


Most of us are unaware that there are 2 stages in creating/making money. Broke people only know the first stage and the rich people are well-acquainted with the second stage.

Having a deeper understanding of how these 2 stages of making money will change the way you see, make, and use the money.

The first stage is called Man at Work.


This is the starting point for many of us. You get a job, you get paid, and you do it for the rest of your life to survive and to maintain your lifestyle.

This is you selling your time to an employer who, in exchange, will give you money.

This is how the majority of us make money unless of course, you’re about to inherit a million pesos, which isn’t the case for many Filipinos. We spend at least 1/3 of our day in an office, working for someone who will only keep getting richer while we earn the same pay every month and have to deal with deductions, too!

But, you don’t have to be trapped in that cycle we are all programmed to live by. There’s a way out and it’s the second stage called Money at Work.


Many Filipinos are familiar with this stage but they believe they don’t make enough money or are simply too poor to get into this stage. But, that isn’t true. You can enter this stage with whatever you have. What matters is how you use your understanding of this stage to change your current financial status.

Know yourself better and learn how you can use your earnings to have a sustainable future. Learn more: