The 80 Percent

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 asked by a follower that I know worries a lot of people: Can you actually be stopped at the airport if you have unpaid credit card debts? This is a great concern, especially for those planning to leave the country to migrate or to work as an OFW. Hopefully, I can give ...

Welcome to Episode 233 of The 80 Percent.

Many Filipinos want to start investing but get held back by long-standing myths and misconceptions—beliefs passed down from relatives, friends, or even viral social media posts. In this episode, we’re breaking down seven common Filipino investing myths and telling you the truth behind them. Whether you’re an OFW, a beginner, or someone who’s been sitting on the sidelines, let’s replace y...

Welcome to Episode 232 of The 80 Percent.

If you’re finding it hard to save money, stick to a budget, or invest regularly, then perhaps the Nudge Theory can help you make smarter money decisions automatically and consistently.

Listen to The 80 Percent Express episodes here.

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.

Welcome to Episode 231 of The 80 Percent.

Today, we’re going to discuss the MySSS Pension Booster and compare it side by side with the very popular Pag-IBIG MP2. We’ll discuss their returns, flexibility, risks, and other key factors so you can decide which one best fits your financial goals.

Episode sponsor: Learn to trade forex and the global markets. Visit bit.ly/learnforexph for details.

For the show notes, visit my blo...

Welcome to Episode 230 of The 80 Percent.

Should you rent or should you buy a home? It's a decision that affects not just your wallet, but also your lifestyle, peace of mind, and future plans. Whether you're thinking about buying your first property or just wondering if you should keep renting for a few more years, this episode is for you.

Episode sponsor: Learn to trade forex and the global markets. Visit bit.ly/learnforexph...

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

Today, let’s talk about the representativeness heuristic. It sounds technical, but it’s really just a way of describing how we tend to judge something based on how closely it matches what we already believe or recognize. The thing is, our brains love shortcuts, and when it comes to personal finance, tho...

Welcome to Episode 229 of The 80 Percent.

If you’ve ever felt stressed, anxious, or even paralyzed when thinking about money, you're not alone. For many of us, just the thought of budgeting, saving, or planning for the future can bring up a lot of pressure and fear. In this episode, we’re talking about financial anxiety. Let’s unpack the reasons why managing money feels so overwhelming at times and, more importantly, how we can ...

Welcome to Episode 228 of The 80 Percent.

How many credit cards should you have? Is it better to stick with just one, have a few for rewards, or not own any at all? In this video, we talk about the pros and cons of owning one, multiple, or even zero credit cards.

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.

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

Many of us tend to believe our financial wins come from our own skills, but when things go wrong, we often blame the market or bad luck. This thinking is called self-attribution bias, and that’s what we’ll talk about in this episode.

To read the transcript, you can visit my blog post here.

Welcome to Episode 227 of The 80 Percent.

Gambling can start as harmless fun but can quickly turn into an addiction that affects your finances and your relationships. In this episode, we discuss the signs of gambling addiction, tips for responsible gambling, and actionable steps to recover if you're already struggling.

Episode sponsor: Learn to trade forex and the global markets. Visit bit.ly/learnforexph for details.

For ...

Welcome to Episode 226 of The 80 Percent.

When we hear the word wealth, most of us think of money—savings, investments, maybe owning a house or a car. But what if I told you that wealth goes way beyond your bank account? In this episode, we’ll explore the eight types of wealth that really define a rich and meaningful life. From time and health to relationships and purpose, you might realize you’re already wealthy in ways you’ve ...

Welcome to Episode 225 of The 80 Percent.

In this episode, I’m joined by Inki Cho and Li Xing Gan to talk about how global events impact the markets — and what that means for traders. From cryptocurrency, forex, oil prices, and gold movements to the influence of major economic data, we break down how to read the global pulse and respond with smart trading decisions. Whether you’re new to trading or already deep in the charts, th...

Welcome to Episode 224 of The 80 Percent.

Have you heard of Pag-IBIG MP2? If not, you must listen to this episode because you don’t want to miss out on what is currently the favorite investment of many Pinoys. I’ll explain how it works, how to invest in it, its pros and cons, and whether it’s worth it… all in a simple and practical way.

Episode sponsor: Learn to trade forex and the global markets. Visit bit.ly/learnforexph fo...