The Ipon Challenge

🏦 How to Pick a Bank Account That Works for You

Traditional vs. digital banks? See what really matters when choosing where to park your money.

🧩 Insurance 101: A Beginner’s Guide to Protecting What Matters

The Cebu quake made me rethink what “financial resilience” really means; and why insurance isn’t just for the rich.

💳 The Psychology of Debt: Escaping the Utang Cycle

The psychology of debt, the utang cycle, and how to break free without demonizing credit.

🗳️ Personal Finance as Activism. Here's How.

Your money isn’t neutral. Every peso flows somewhere. Let's talk about financial activism.

💤 Buffett’s Investing Lessons Are Boring (and That’s the Point)

The world’s greatest investor swears by boring habits. Here’s why that matters for your money too.

📈 Not All Stocks Just Sit There. Some Pay You

Learn dividend investing in the Philippines: what it is, how it differs from growth investing, how to pick dividend stocks, and how to get started.

🪙 Mutual funds: smart move or waste of time?

Beginner’s guide to mutual funds in the Philippines: understand the basics, the types offered locally, and how they fit into your investment journey.

💳 Top 3 Credit Cards Every First-Timer Should Consider

Your first credit card can make or break your finances. Here are 3 beginner-friendly cards in the Philippines worth starting with.

About The Ipon Challenge

📩 How to Invest in Stocks Using COL Financial (Step-by-Step Guide)

Step-by-step guide on how to open a COL Financial account, fund it, and buy your first stock even with updated minimum deposit rules as of August 2025.

The Podcast That Quietly Changed How I See Wealth and Money

Naval Ravikant’s podcast changed how I think about wealth, freedom, and leverage. Here are 5 timeless lessons that still guide how I build at 25.

I Started a Business at 24 and Failed. Here’s What I Learned.

I started a pares business at 24 with PHP50K. It failed, but I learned a lot. Here are the hard truths about small business, money, and starting from scratch.