Most people think building wealth starts with how much you earn… but the truth is, it starts with your habits.

In this episode of Wealth Without Borders w/ Tone, we break down why debt feels so “normal,” how cultural pressures influence the way we spend, and the simple money habits that actually build a strong foundation for freedom.

If you’re Filipino or an immigrant chasing financial freedom, this episode is especially for you. But no matter where you come from, these principles can help you break the cycle of debt, change your mindset about money, and start building real wealth.

Timestamps:

0:00 – Intro: Why habits matter more than income

2:10 – Why debt feels so “normal” (and the trap behind it)

6:25 – The holiday spending cycle explained

10:15 – Behavior over math: why discipline beats income

14:50 – The immigrant money story (and universal lessons)

20:05 – Practical steps to build a strong foundation

27:30 – Shifting from scarcity mindset to abundance

32:15 – The seed analogy: short-term spending vs. long-term growth

36:40 – Outro: Freedom starts with behavior, not income

We’ll cover:

• Why debt feels common but keeps you trapped
• How behavior matters more than income
• The immigrant money story (and the lessons in it)
• Practical steps to build a foundation for wealth
• How to shift from scarcity to abundance mindset

Because at the end of the day, freedom doesn’t start with your paycheck it starts with your behavior.