In this episode of Wealth Without Borders w/ Tone, we break down the first five money habits every Filipino American, Asian American, or anyone who didn’t grow up learning about personal finance needs to master.

These habits aren’t complicated — they’re simple, foundational, and life-changing. Tone explains why spending less than you make, paying yourself first, avoiding consumer debt, investing automatically, and having an emergency fund are the building blocks of financial freedom.

If you grew up in a family where money wasn’t discussed, or where the focus was survival instead of wealth-building, this episode will help you build a strong foundation and finally take control of your financial future.

EPISODE TIMESTAMPS

00:00 — Intro: Who I am & why these habits matter

01:45 — The cultural gap: why many of us never learned money growing up

03:15 — Habit #1: Spend less than you make (consistently)

06:40 — Habit #2: Pay yourself first (even if it’s small)

10:05 — Habit #3: Avoid consumer debt like your future depends on it

14:20 — Habit #4: Invest automatically, not emotionally

18:25 — Habit #5: Build a 3–6 month emergency fund

21:50 — Why these habits matter specifically for Filipino & Asian households

25:05 — The mindset shift that changes everything

28:40 — Final encouragement & call to subscribe

The information provided in this podcast is for general informational purposes only and does not constitute financial, investment, or other professional advice. Opinions expressed are those of the hosts and guests, and listeners should conduct their own research or consult with a licensed professional before making financial decisions.