The 7 Quiet Money Leaks Keeping High-Income Filipinos Stuck скачать в хорошем качестве

The 7 Quiet Money Leaks Keeping High-Income Filipinos Stuck

Follow this playlist:    • High Income, Low Structure: The Complete Fix   If you mentally checked off three, four, or even all seven leaks, you don’t just need more information—you need a better money system. Chat with us on Messenger — you can start the conversation by messaging or commenting “BFM” ➡️ https://m.me/beaconwealthph Ready for more structured help? Book a Discovery Call with a Beacon coach ➡️ https://beaconwealth.ph/schedule Want a simple, repeatable money rhythm? Learn more about the Beacon Financial Mastery program ➡️ https://beaconwealth.ph/bfm/ You’re earning well… but when you look at your accounts, you still catch yourself asking: “I honestly don’t know where my money goes.” In Episode 3 of our High Income, Low Structure series, we go a level deeper and talk about seven small but costly money leaks that quietly drain wealth for high-income Filipinos. Individually, they’re easy to shrug off. Together, over 5–10 years, they can cost you millions in lost opportunities. In this episode, we cover 7 money leaks: Untracked “nice to have” spending – food delivery, coffee, subscriptions, “add to cart” moments Unsystematic family support – UBI (unexpected but inevitable) expenses with no ceiling Predictable-but-unplanned big expenses – “Seasonal Bigs” that pretend to be emergencies Uncommitted surplus and idle cash – savings that drift instead of having a clear job Overlapping or misaligned financial products – policies and investments you keep paying for but can’t explain Investing without a plan – random bets, no rhythm, and FOMO-driven decisions Overly illiquid portfolios – “asset-rich, cash-poor” setups that feel tight in real life By the end of this video, you’ll be able to: Identify which of these seven leaks are actually present in your own setup, and Put a rough number on how much each one might be costing you every year. Key takeaways from this episode: Why “small” areas of misbehavior (coffee, delivery, subs) can add up to tuition-level amounts How to turn family support and UBI expenses into a sustainable, systematized part of your plan How sinking funds and Seasonal Bigs buckets stop fake emergencies from derailing you Why idle cash and uncommitted surplus are their own kind of leak in an inflationary world How a simple product audit can uncover overlapping policies and high-fee investments Why your investing rhythm and system often matter more than finding the “perfect” product How the “Age + 10” liquidity guideline can help you check if you’re too asset-heavy and cash-light Chapters: 00:00 From hidden traps to quiet money leaks 00:45 Leak #1 – Untracked “nice to have” spending 03:06 Leak #2 – Unsystematic family support & UBI expenses 05:04 Leak #3 – Predictable-but-“emergency” big expenses (Seasonal Bigs) 06:48 Leak #4 – Uncommitted surplus and idle cash 09:04 Leak #5 – Overlapping or misaligned financial products 10:17 Leak #6 – Investing without a real plan or rhythm 12:13 Leak #7 – Overly illiquid, “asset-rich, cash-poor” portfolios 15:19 Your 20-minute leak check (turning insight into action) 16:35 How Beacon Financial Mastery helps plug your money leaks #beaconwealth #personalfinance #pinoyfinance #moneymanagement #moneyleaks #finance #budgeting #financialfreedom