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.

🎟️ If You Hate Stock Market Drama, Read This

Learn how bonds work in the Philippines, what types you can invest in, and why they might be a smart, low-drama option for your medium-term savings goals.

🧾CMEPA Is Here—And It’s Not the Villain You Think

Learn what CMEPA means for your savings, MP2, mutual funds, and stock investments. New tax rules explained for regular Filipino savers.

🛍️ Doom Spending: When the Future Feels Hopeless, So You Just Buy Stuff

Feeling broke but can’t stop spending? Learn why doom spending happens, how you may cope with anxiety through shopping, and how to stop the spiral today.

🏖️ How Much Should You Really Save for Retirement?

How much should you save for retirement? Learn the 25x rule, PH-based saving strategies, and where to invest for future freedom as a young Filipino professiona.

💸 Why You’re Still Broke (Even With a Higher Sweldo) And How to Escape the Lifestyle Inflation Trap

Earning more but still broke? Learn how lifestyle inflation works, how to spot it, and 5 effective ways to fight it as a young Filipino professional.

🏙️ Want to Invest in Real Estate Without Millions? Start with REITs

Learn how REITs work in the Philippines, their pros and cons, and how to start investing in real estate with just ₱1,000. Ideal for first-time investors.

🎯 Sweldo with Purpose: How to Set and Hit Your Financial Goals

Learn how to set SMART financial goals, build a clear money plan, and choose where to save based on your timeline. Perfect for Filipino yuppies aged 20–30.

💳 Buy Now, Panic Later? The Real Deal with BNPL in the Philippines

Curious about Buy Now, Pay Later in the Philippines? Learn the pros, cons, hidden fees, and when it's smart—or risky—to use BNPL apps like Shopee, Lazada, and BillEase.