Most people think saving money makes them secure. It doesn’t. Uninvested money loses value every year, quietly eaten by inflation. If you’re keeping your “emergency fund” the same size for the past 3 years, it’s actually shrinking. Here’s a better rule: - Keep 3–6 months of expenses in cash. - Everything beyond that? Give it a job: invest it, automate it, or move it to a vehicle that grows faster than inflation. Money that just sits, dies. Money that moves, grows.

If you keep $10,000 in a savings account at 0.01% interest, that’s just $1 in a year. Put that same money into something earning 5%, and it grows to $500. Same $10,000. Different outcome. Most people don’t even know what their money is actually earning. Take a second today to check your savings account rate! @Benson Alison @Nazam Khan @Jerome Reyes

Most people underestimate how much they actually spend. A small daily habit can change that. Try this challenge: - For the next 7 days, write down every peso or dollar you spend. - Use a notebook, your phone’s notes app, or any budget app. - At the end of the week, review and ask: Did I spend on needs, or wants? You’ll likely spot at least one expense you can cut or reduce. That money can instead go toward savings, debt repayment, or investing. Small awareness today can prevent big mistakes later. Would you try this challenge this week? @Benson Alison , @Nazam Khan , @Effie Magugat , and @Jerome Reyes

One of the easiest ways to build financial independence is to pay yourself first. Before covering bills or expenses, set aside a portion of your income for savings or investing. Even 10% each month can grow into a safety net over time. If you automate the transfer, it removes the temptation to skip it. What percentage are you currently saving for your future? Feel free to answer here too, @Benson Alison, @Nazam Khan, and @Jerome Reyes

Welcome aboard, Nazam! We’re excited to have you here. 😄 Drop a quick intro: where you’re from, what you’re working toward, or even a fun fact about yourself. Let’s get to know you!