In my first article, I told you that your current living standard is dictated by the money that you earn every month from your job or other sources – your INCOME. So, if you want to change your current living standard, you have to apply practical solutions to boost your income. In other words, how you control your finances is your gauge on how well you can live at present.
Now, let’s talk about your other F – your FUTURE.

One day, going to work, I rode jeepney and seated at the passenger seat beside the driver. The driver, I quickly noticed that he was way past granted dual citizenship status. If you’re thinking he’s a foreigner, no, that’s not what I mean. The driver is already a SENIOR CITIZEN. My wild guess would be that he is at his 60’s. My instant reaction was: When I grow old, do I still have to work this hard to earn for a living?
The answer just hit me like a speeding bullet train. BLAM! It hit me so hard that right there and then, I decided that I have to ACT NOW to avoid that vision of working way past my retirement age.
Don’t get me wrong. I don’t ridicule the mamang driver. In fact, I admire him that even in that age; he still struggles to make a living for his family. But, it is just unacceptable. Why?
We are working today because we have to earn and make a living, right? We have to earn so that we can buy our needs and our wants. But, sometimes we become shortsighted. We are only living TODAY and not building for TOMORROW, which is as important as today.
I earlier said that the mamang driver still working hard today is acceptable because he’s been working all his life but not enjoying the fruits of his labor in full.
If you’re working today and also spend everything today, I can tell you right now that you will still be working or looking for a job when you reach the age when you should be enjoying your retirement.
And we can see it each day. We know people who are dear to us or even just our kapitbahay or an acquaintance or just like that mamang driver that I told you who failed to prepare for their retirement. The picture is the same – THEY KEEP ON WORKING.
So, how can you avoid and prepare for your retirement? Build your ASSET! And START it NOW!
You may ask, HOW?
I told you in my past articles that you have expand your income now. When you finally made it, you have to invest that income into various investment vehicles available that suits you. Then again, be forewarned that when you invest, money is not that matters but you’re knowledge on what you are doing. Investing does not guarantee you riches beyond imagination and in fact, you may also lose some or all of your money if bad decisions (and mostly are uneducated decisions) are made.
So you MUST acquire knowledge and skills to minimize the risk which a certain investment tool poses.
Your BEST ASSET is what YOU KNOW and NOT YOUR MONEY. If you know how to increase your income potential and earning ability you can build your wealth from zero to millions in time.
That’s why successful people are not afraid of losing all of their money and assets because they build it again from scratch.
So ACT NOW! And be wary of your FUTURE!
In summary, if your INCOME DICTATES your LIFE TODAY, your ASSET shall DECIDE your FUTURE.