PODCAST · education
The 80 Percent
by Fitz Gerard Villafuerte
Hi, I'm Fitz Villafuerte. I'm a Registered Financial Planner and a financial literacy advocate based in the Philippines. This podcast is about learning smart money habits and the proper mindset to achieve financial success. I speak in English and Filipino on this podcast. Visit the80percentpodcast.com to learn more. Hosted on Acast. See acast.com/privacy for more information.
Episodes
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Should You Buy GCASH After Its IPO?
Welcome to Episode 253 of The 80 Percent. Should you buy GCASH after its IPO? Learn about Mynt’s financial performance, IPO valuation, use of proceeds, growth prospects, and key risks to consider before investing. For the show notes, visit my blog post here. Hosted on Acast. See acast.com/privacy...
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What Does the ₱6.60 Mynt IPO Price Really Mean?
Welcome to Episode 252 of The 80 Percent. Mynt, the parent company of GCash, priced its IPO at ₱6.60 per share, below the original maximum indicative price of ₱10. But does that make it a bargain? In this episode, we explain Mynt’s valuation, the difference between primary and secondary shares…
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GCash Wealth Management: A Beginner's Guide to Saving and Investing
Welcome to Episode 251 of The 80 Percent. Learn how GCash Wealth Management brings savings, bonds, funds, stocks, crypto, and insurance together in one platform, and how beginners can choose the right starting point for building wealth. For the show notes, visit my blog post here. Hosted on…
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Why You Keep Chasing New Ideas
Welcome to Episode 250 of The 80 Percent. Discover why constantly chasing new ideas can keep you from reaching your financial and business goals, and learn how to stay focused on what truly matters. For the show notes, visit my blog post here. Hosted on Acast. See acast.com/privacy for more...
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What Happens If Your Income Suddenly Stops?
Welcome to Episode 249 of The 80 Percent. What happens if your income suddenly stops? Learn how to stress-test your finances, build an emergency fund, diversify income, and prepare for unexpected financial setbacks. For the show notes, visit my blog post here. Hosted on Acast. See…
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How to Stay Ahead When Everything Gets More Expensive
Welcome to Episode 248 of The 80 Percent. The cost of living just continues to increase, and our salary can’t always keep up. When everything suddenly costs more, what should you do? Let’s discuss that in this episode. For the show notes, visit my blog post here. Hosted on Acast. See...
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When Credit Card Debt Keeps You Awake at Night
Welcome to Episode 247 of The 80 Percent. Feeling overwhelmed by credit card debt? Learn practical ways to manage the anxiety that comes with debt, regain control of your finances, and take the first steps toward financial recovery. For the show notes, visit my blog post here. Hosted on Acast.…
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The 4 Pillars of Smart Financial Planning
Welcome to Episode 246 of The 80 Percent. Good financial planning isn't just about investing. It's about building a strong foundation that supports every aspect of your financial life. For the show notes, visit my blog post here. Hosted on Acast. See acast.com/privacy for more information. Hosted...
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5 Conversations That Young Couples Should Have About Money
Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich. You can read today's article here: https://t.ly/EDw9C Hosted on Acast. See acast.com/privacy for more information. Hosted on Acast. See...
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When Saving Feels Useless, It's Financial Nihilism
Welcome to Episode 245 of The 80 Percent. Have you ever felt like saving and investing no longer make a difference? You're not alone. In this episode, we explore the growing phenomenon of financial nihilism, the belief that it's pointless to plan for the future because the odds seem stacked…
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GCash Is Going Public. Should You Invest?
The 80 Percent Express are special short episodes in which I share a financial concept or answer a question sent by a listener. GCash is preparing for what could become one of the biggest and most anticipated IPOs in the Philippine stock market. As the country's leading digital wallet continues…
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What If You Don’t Need Millions to Retire Early?
Welcome to Episode 244 of The 80 Percent. Think you need millions to retire early? Discover the Reverse FIRE movement and learn how Filipinos can achieve financial freedom through intentional living, flexible income, and lower expenses. For the show notes, visit my blog post here. Hosted on…
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The Opportunity Cost of Passion Projects
Welcome to Episode 243 of The 80 Percent. After a long break from podcasting, I share the real reasons behind my absence, the tension between passion and practicality, and the important lesson that sometimes the best decision is to prioritize what matters most right now. For the show notes, visit...
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Investment Strategy for 2026
Welcome to Episode 242 of The 80 Percent. Where should Filipinos invest in 2026? In this episode, we cut through the noise and discuss investing strategies for this year. No hype. Just clear thinking and practical investment choices. For the show notes, visit my blog post here. Hosted on Acast.…
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Why I Went Quiet for a While
I took a short, unexpected break, and I’ll be back with new episodes soon. In the meantime, you can catch up on past episodes at www.the80percentpodcast.com Hosted on Acast. See acast.com/privacy for more information. Hosted on Acast. See acast.com/privacy for more information.
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Listen Back: 5 Money Mistakes That People Don’t Know They’re Making
Listen Back episodes are past episodes of The 80 Percent you might have missed, so we’re bringing them back, especially for our new listeners. This was Episode 169. For the original show notes, visit my blog post here. Hosted on Acast. See acast.com/privacy for more information. Hosted on Acast....
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Investing in REITs For Retirement
Welcome to Episode 241 of The 80 Percent. REITs give you property income without actually buying property. With REITs, you get regular, guaranteed dividends as your passive income while you skip dealing with tenants and doing property repairs. Plus, you stay liquid because it can easily be traded...
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Smart Money Moves For Your 13th Month Pay
Welcome to Episode 240 of The 80 Percent. Today, we’re talking about something very familiar to every Filipino employee. The 13th-month pay. It feels like a reward after a long year. It feels like a chance to breathe a little. But it is also one of the best opportunities to change your financial...
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How to Get Out of Debt with Debt Aid Consulting International
Welcome to Episode 239 of The 80 Percent. I sat down with two people who work on the front lines of this every day. Ben Lou, President and CEO of Debt Aid Consulting International. And Eunice Lou, their VP for Operations. Their team at DACI helps Filipinos who feel overwhelmed by loans…
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Is It Safe to Invest in a Cooperative?
The 80 Percent Express are special short episodes in which I share a financial concept or answer a question sent by a listener. Today, we’re discussing a question that’s often been asked of me in recent months: Is it safe to invest in a cooperative? The local stock market has not been performing...
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12 Estate Planning Myths That Will Cost You Time and Money
Welcome to Episode 238 of The 80 Percent. You might think estate planning is only for the rich or that your family can just sort it out later, but that’s where many people go wrong. In this episode, we’ll bust the most common estate planning myths and share simple steps to protect your assets and...
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Overcoming Gift-flation and How to Save Money This Holiday Season
Welcome to Episode 237 of The 80 Percent. Have you noticed how giving gifts feels more expensive every year? In this episode, we’ll talk about gift-flation or why prices keep going up, and how we can stay generous without overspending. Episode sponsor: Learn to trade forex and the global markets....
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Financial FOMO: How to Stop Chasing Every ‘Sayang’ Opportunity
Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich. You can read today's article here: https://t.ly/mTcrx Hosted on Acast. See acast.com/privacy for more information. Hosted on Acast. See...
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What Are You Busy With These Days?
Welcome to Episode 236 of The 80 Percent. What do you do during your free time? It’s essential to be mindful of how you use your personal time, as it holds the key to your financial growth. Episode sponsor: Learn to trade forex and the global markets. Visit bit.ly/learnforexph for details. For…
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The Millionaire Myth: What Life Is REALLY Like After Your First Million
Welcome to Episode 235 of The 80 Percent. Reaching your first million isn’t a finish line; it’s the beginning of a new journey. The money changes your mindset more than your lifestyle. And here’s what no one tells you about crossing that milestone and what really happens when you finally get…
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Filipino Credit Perceptions with Peter Faulhaber of TransUnion Philippines
Welcome to Episode 234 of The 80 Percent. TransUnion has just released its 2025 Credit Perception Index, which reveals how Filipinos think and feel about borrowing, debt, and financial trust. Together with Peter Faulhaber, the President and CEO of TransUnion Philippines, we'll unpack the findings...
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Listen Back: 5 Business Ideas That Need Little or No Capital
Listen Back episodes are past episodes of The 80 Percent that you might have missed, so we’re bringing them back, especially for the benefit of our new listeners. This was Episode 117. For the original show notes, visit my blog post here. Learn to trade forex and the global markets. Visit...
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Can You Leave the Country If You Have Unpaid Credit Card Debt?
The 80 Percent Express are special short episodes in which I share a financial concept or answer a question sent by a listener. Today, we’re discussing a question asked by a follower that I know worries a lot of people: Can you actually be stopped at the airport if you have unpaid credit card...
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From Myths to Millions: Fixing How Filipinos See Investing
Welcome to Episode 233 of The 80 Percent. Many Filipinos want to start investing but get held back by long-standing myths and misconceptions—beliefs passed down from relatives, friends, or even viral social media posts. In this episode, we’re breaking down seven common Filipino investing myths…
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From Paycheck to Prosperity: How to Build a Wealth-Building Mindset
Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich. You can read today's article here: https://t.ly/ZQ1M4 Hosted on Acast. See acast.com/privacy for more information. Hosted on Acast. See...
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How Simple Nudges Can Help You Improve Your Finances
Welcome to Episode 232 of The 80 Percent. If you’re finding it hard to save money, stick to a budget, or invest regularly, then perhaps the Nudge Theory can help you make smarter money decisions automatically and consistently. Listen to The 80 Percent Express episodes here. Episode sponsor: Learn...
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MySSS Pension Booster: Is It A Good Alternative to Pag-IBIG MP2?
Welcome to Episode 231 of The 80 Percent. Today, we’re going to discuss the MySSS Pension Booster and compare it side by side with the very popular Pag-IBIG MP2. We’ll discuss their returns, flexibility, risks, and other key factors so you can decide which one best fits your financial goals....
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Rent a Place or Buy a Home: Which is the Smarter Choice?
Welcome to Episode 230 of The 80 Percent. Should you rent or should you buy a home? It's a decision that affects not just your wallet, but also your lifestyle, peace of mind, and future plans. Whether you're thinking about buying your first property or just wondering if you should keep renting…
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What is the Representativeness Heuristic?
The 80 Percent Express are special short episodes in which I share a financial concept or answer a question sent by a listener. Today, let’s talk about the representativeness heuristic. It sounds technical, but it’s really just a way of describing how we tend to judge something based on how…
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Reasons You're Anxious About Money And What to Do About It
Welcome to Episode 229 of The 80 Percent. If you’ve ever felt stressed, anxious, or even paralyzed when thinking about money, you're not alone. For many of us, just the thought of budgeting, saving, or planning for the future can bring up a lot of pressure and fear. In this episode, we’re talking...
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Money Isn’t Everything: Build a Financial Life That Fits You
Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich. You can read today's article here: https://t.ly/nAQrL Hosted on Acast. See acast.com/privacy for more information. Hosted on Acast. See...
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1, 2, or None? How Many Credit Cards Do You Need?
Welcome to Episode 228 of The 80 Percent. How many credit cards should you have? Is it better to stick with just one, have a few for rewards, or not own any at all? In this video, we talk about the pros and cons of owning one, multiple, or even zero credit cards. Episode sponsor: Learn to trade...
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Listen Back: Goals are Important, But You Need to Focus on Growth
Listen Back episodes are past episodes of The 80 Percent that you might have missed, so we’re bringing them back, especially for the benefit of our new listeners. This was Episode 133. For the original show notes, visit my blog post here. Learn to trade forex and the global markets. Visit...
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What is Self-Attribution Bias?
The 80 Percent Express are special short episodes in which I share a financial concept or answer a question sent by a listener. Many of us tend to believe our financial wins come from our own skills, but when things go wrong, we often blame the market or bad luck. This thinking is called...
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Think Before You Bet: Avoid and Overcome Gambling Addiction
Welcome to Episode 227 of The 80 Percent. Gambling can start as harmless fun but can quickly turn into an addiction that affects your finances and your relationships. In this episode, we discuss the signs of gambling addiction, tips for responsible gambling, and actionable steps to recover if...
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The 8 Types of Wealth and Why You’re Richer Than You Think
Welcome to Episode 226 of The 80 Percent. When we hear the word wealth, most of us think of money—savings, investments, maybe owning a house or a car. But what if I told you that wealth goes way beyond your bank account? In this episode, we’ll explore the eight types of wealth that really define…
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Trade Talks: Breaking Down Global Market Moves with Inki Cho & Li Xing Gan
Welcome to Episode 225 of The 80 Percent. In this episode, I’m joined by Inki Cho and Li Xing Gan to talk about how global events impact the markets — and what that means for traders. From cryptocurrency, forex, oil prices, and gold movements to the influence of major economic data, we break down...
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I'm Taking a Short Break
I'm taking a short break and will be back next month, in May. In the meantime, listen to my past episodes at www.the80percentpodcast.com Hosted on Acast. See acast.com/privacy for more information. Hosted on Acast. See acast.com/privacy for more information.
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Listen Back: 7 Ways Investing Can Make Your Life Better
Listen Back episodes are past episodes of The 80 Percent that you might have missed, so we’re bringing them back, especially for the benefit of our new listeners. This was Episode 144. For the original show notes, visit my blog post here. Learn to trade forex and the global markets. Visit...
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Understanding Pag-IBIG MP2: Is It Worth It?
Welcome to Episode 224 of The 80 Percent. Have you heard of Pag-IBIG MP2? If not, you must listen to this episode because you don’t want to miss out on what is currently the favorite investment of many Pinoys. I’ll explain how it works, how to invest in it, its pros and cons, and whether it’s…
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10 Money-Smart Ways To Stay Cool This Summer
Welcome to Episode 223 of The 80 Percent. Summer is here, and our electric consumption will increase. But keeping your home comfortable during the hot summer months doesn’t have to drain your wallet. Today, I’ll share 10 budget-friendly tips to stay cool all summer long! Episode sponsor: Learn to...
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6 Money-Saving Tips For Living in a Condo Home
Reblog are special episodes of The 80 Percent podcast. It’s when I read a selected article from my personal finance blog and website, Ready To Be Rich. You can read today's article here: https://t.ly/kSeDC Hosted on Acast. See acast.com/privacy for more information. Hosted on Acast. See...
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How to Protect Your Senior Parents from Investment Scams
Welcome to Episode 222 of The 80 Percent. Seniors are usually the target of scammers. In this episode, I’ll share tips on how you can keep your senior parents safe from investment scams. Recognize red flags, inform them about fraud tactics, and motivate them to safeguard their financial security....
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How To Optimize Your Income Streams for Better Cashflow
Welcome to Episode 221 of The 80 Percent. Having multiple income streams doesn’t always mean more financial security. In this episode, I share the audio of my presentation on optimizing cash flow. Alex, a recent client, approached me to evaluate his income sources. His case serves as the example…
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Listen Back: 7 Profitable Side Hustles for Introverts
Listen Back episodes are past episodes of The 80 Percent that you might have missed, so we’re bringing them back, especially for the benefit of our new listeners. This was Episode 157. For the original show notes, visit my blog post here. Learn to trade forex and the global markets. Visit...
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ABOUT THIS SHOW
Hi, I'm Fitz Villafuerte. I'm a Registered Financial Planner and a financial literacy advocate based in the Philippines. This podcast is about learning smart money habits and the proper mindset to achieve financial success. I speak in English and Filipino on this podcast. Visit the80percentpodcast.com to learn more.
Hosted on Acast. See acast.com/privacy for more information.
HOSTED BY
Fitz Gerard Villafuerte
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Frequently Asked Questions
How many episodes does The 80 Percent have?
The 80 Percent currently has 337 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is The 80 Percent about?
Hi, I'm Fitz Villafuerte. I'm a Registered Financial Planner and a financial literacy advocate based in the Philippines. This podcast is about learning smart money habits and the proper mindset to achieve financial success. I speak in English and Filipino on this podcast. Visit...
How often does The 80 Percent release new episodes?
The 80 Percent publishes regularly with 337 episodes available. Check the episode list for the typical release schedule.
Where can I listen to The 80 Percent?
You can listen to The 80 Percent on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts The 80 Percent?
The 80 Percent is created and hosted by Fitz Gerard Villafuerte.
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