“Mon, I earn well… but I honestly don’t know where my money goes.”

If that line feels familiar, this episode is for you. For many high-income Filipinos, it’s not one big mistake—it’s several small money leaks happening at the same time. Individually, they’re easy to shrug off. Over 5–10 years, they can cost you millions in lost opportunities.

In Episode 3 of the High Income, Low Structure series, we go a level deeper and map out the most common leaks we see with emerging affluent clients in the Philippines.

In this episode, we talk about:

• Untracked “Nice to Have” Spending — delivery, coffee, subscriptions, “add to cart” moments
• Unsystematic Family Support & UBI Expenses — helpful, but with no real ceiling or structure
• Predictable-but-Unplanned Big Expenses (Seasonal Bigs) — school, car, gadgets, renewals that pretend to be emergencies
• Uncommitted Surplus and Idle Cash — money with no job, slowly losing to inflation
• Overlapping or Misaligned Financial Products — policies or investments you keep paying for but can’t clearly explain
• Investing Without a Plan — random bets and no real rhythm
• Overly Illiquid Portfolios — “asset-rich, cash-poor” setups that feel tight in real life

By the end of this episode, you’ll be able to identify which of these seven leaks you actually have, and start putting rough numbers to what they might be costing you each year.

Next steps if this resonates:

If you mentally checked off three, four, or even all seven leaks and want help turning insight into structure:

Chat with us on Messenger — you can start the conversation by messaging us on Facebook and sending “BFM” (or, if you’re listening on YouTube, by commenting “BFM” below) ➡️ https://m.me/beaconwealthph

Ready for more structured help? Book a Discovery Call with a Beacon coach ➡️ https://beaconwealth.ph/schedule

Want a simple, repeatable money rhythm? Learn more about the Beacon Financial Mastery program ➡️ https://beaconwealth.ph/bfm/