I am blessed to have the privilege to speak to and observe many financially savvy people, and one thing they have in common is that they are not fond of making excuses. Here are five finance excuses you will never hear from them: Finance Excuse #1 – “I don’t know...

My life was in a financial mess despite having enough knowledge about finances. Eventually, I realized that money is more about behavior and less about skills. When I gave my life to Jesus and began to read the Bible, many things changed for the better for me,...

Question: Hi, Randell. My child has been working for five years already but I feel that I can do more to help him become financially independent. I’ve been helping him out by giving him a monthly allowance of P10,000, instead of him contributing to our expenses in the...

A lot of our issues with regard to money are behavioral in nature. Reading a ‘how to’ finance book or even attending a seminar is never a guarantee that it will put you on a path toward financial freedom. It always starts with a decision and that decision is done on a...

Question: I understand that I need to start and invest but I find it difficult because I’m impulsive when it comes to buying. What should I do? Answer: Saying ‘no’ is a challenge, especially when you are shopping. You go in, and come out with a bag or two in hand, or...

"If a man empties his purse into his head, no man can take it from him. An investment in knowledge pays the best interest." —Benjamin Franklin. This is a longer version of the usual quote “An investment in knowledge …” The author expresses a straightforward saying,...

Question: Hi Sir Randell, I’m a millennial employee. Having read your articles, I know it’s important to save for retirement early. However, I also want to support my family (my parents and my younger siblings) financially. Is it possible to do both? —Joseph, via...

Many people are aspiring to be financially free, and many give conflicting advices—while some over-simplify. If I may be so bold, allow me to share my top 10 tips to achieve financial freedom: #10 Get a grip on desire Keep this in mind: it’s not the cost of an item...

My life was in a financial mess despite having sufficient knowledge about finance. Eventually, I realized that money is more about behavior and less about skills. When I gave my life to Jesus many years ago and began to read the Bible, many things changed for the...

How would you take the thought that you are stealing money from your future income? That is what bad debt will do to you if you’re not careful with how you spend. I will classify bad debt as money borrowed for debts that were spent on non-emergency situations. A funny...