Three Types Of Rich People*

Three Types of Rich People*

We define people either rich or poor. But it isn’t as simple as that. If you say, “He’s rich,” I’ll ask you, “What kind?”

You see, there are three types of rich people in the world today.

1. Filthy Rich

This is the greedy, selfish, and corrupt person.

Filthy Rich PersonThis is the main reason why people say, “Money does not buy happiness.” Because the filthy rich are miserable
people. They’re so absorbed by their wealth, they become like Gollum in the movie, The Lord of the Rings.
Remember him? The precious ring took over his life. He stopped eating. He stopped sleeping. And he became a
monster. The ring became so powerful, it controlled him. And he killed his friend just to possess it. But in reality, the ring
possessed him.

Some rich people act like Gollum. Their money eats them up.

Yes, You Can Be Happy Without Money, But…

Money doesn’t make you happy.

Recently, they asked 150,000 people from all over the world, “Are you happy?” The top 10 happiest countries in the world include Panama, Paraguay, El Salvador, Venezuela, Trinidad, Thailand, Guatemala, Philippines, Ecuador, and Costa Rica. Every time they do these studies, the Philippines is always included in the top 10 happiest countries in the world. But always absent from that list are the wealthy nations like Japan, Canada, Australia, and America. And who ranked the unhappiest? Singapore — one of the most prosperous countries in Asia. In fact, very wealthy countries like Germany and France tied in 47th place together with poverty-stricken Somalia.

So yes, it’s true, money does not buy happiness.

But in saying that, people come up with a crazy conclusion: “Because money doesn’t buy happiness, don’t try to become rich, because it won’t make you happy.”

Huh? Does that have logic? Yes, it has. Terrible logic!

Because being filthy rich isn’t the only way to become rich. Let’s go to the second type of rich people in the world.

2. Guilty Rich

Let me tell you a story.

Guilty rich personOne day, a thirtyish woman walked up to me and asked if she could talk to me. When we were in a quiet corner, she said, “Bro. Bo, can you pray for me? I feel so unhappy. I know I’m supposed to be happy, but I’m not…”

“Why do you say that?” I asked.

She said, “Well, for the first time in my life, I’m earning a lot of money. I got a new job last year and I got this huge raise. They tripled my salary, Bro. Bo. I couldn’t believe it. Plus they gave a big bonus upon entering the company. I’m supposed to be ecstatic. But why don’t I feel happy at all?”

I asked my usual “check-up” questions — whether there was anything wrong with her relationships, her marriage, her spiritual life, etc. But she told me that everything about her life was rosy. So it was
even more intriguing why she felt unhappy.

And then an idea came to my mind. I asked her, “Are you comfortable with earning a lot of money?”

That question hit the bullseye. This woman had a toxic relationship with money.I learned that when she was a child, her parents taught her to look at money as something bad. Even thinking of money was bad. Talking about money was
bad. And all rich people were bad people. They never talked about money except in a negative way. So etched deep in her subconscious, she believed that money was the devil itself.

So in her heart, she felt very guilty earning a lot of money.

She was more comfortable with poverty than prosperity. Because of her newfound wealth, she was living in foreign territory. And anything that was unfamiliar was frightening.

I actually had to pray for her deliverance, to drive out the wrong beliefs from her mind. I told her to read my books,
8 Secrets of the Truly Rich, 8 Habits of the Happy Millionaire, and How to Prosper, and immerse her mind in a new way of thinking, and hopefully become the third type of rich people.

3. Truly Rich

Truly Rich PeopleYes, I agree that money doesn’t buy happiness.

But here’s the thing:

Who said that God designed money to buy happiness?

God never designed money to buy happiness. God designed money to increase helpfulness.

Don’t make happiness your purpose in life. If you do, you’ll never be happy. This is the principle of obliquity. Instead
of pursuing happiness, pursue your purpose in life — helping others, serving others, caring for others, living for others
— and you’ll achieve happiness.

First, God gives you money to help your family.

Truly Rich People Help Their Family

The Bible says, “Anyone who does not provide for their relatives, and especially for their own household, has denied the faith and is worse than an unbeliever” (1 Timothy 5:8, NIV).

Sadly, statistics say that 70 percent of single-parent families are without a father. That means that many fathers
have abandoned their children.

Like my friend, a single mom with two kids. Three years ago, she called me up and said, “Freddie ran away with another girl.” For the past three years, Freddie has not sent a single peso to support his ex-wife and kids. I couldn’t believe it. But this scenario is very common.

There’s so much problems in this world: poverty, war, corruption. But I believe that the problem of this world is a fatherhood problem. The father isn’t taking spiritual and financial responsibility for his family.

When I talk to fathers, I tell them that the two critical roles of a father are: (1) to train his kids how to love God; and  (2) to train his kids how to earn money. Many fathers fail in both counts. That’s why rich families become poor, and poor families remain poor.

But helping your family isn’t enough.

That’s why you need to earn more. I believe God wants to bless you more so that you can help your bigger family.

Truly Rich People Help Their Bigger Family

After Cain killed Abel, God asked Cain where his brother was. And Cain said, “Am I my brother’s keeper?”

That penetrating question, “Am I my brother’s keeper?” is found in the first book of the Bible. And I believe that for
the rest of the Bible, God is answering that question with a resounding, loud, thundering, “yes!”

I have had the privilege to talk to Nanay Socorro Ramos, the owner of National Bookstore. As an 18-year-old girl,
she sold books in a tiny bookstore during the Japanese war. Today, National Bookstore is the largest bookstore chain in
the Philippines, with more than 150 branches all over the country.

While chatting together, Nanay Coring pulled me closer to herself and whispered, “Bro. Bo, I want to tell you something. Do you know that it will be better for me if I just invest all my money, earn from the interest, and just retire and live an easy life? If I do that, I won’t have to deal with the BIR, Customs, mall rentals, etc. But I can’t do that. Because there are 4,300-plus employees who depend on this business. Their families need this business. So here I am, over 90 years old, still going to work every day, Monday to Saturday!”

Why I’m Happier

Money does not make you happy. I realized that money can only make you happy if you were happy before you got the money.

Once upon a time, I was poor and happy. Today, I’m rich and happier. I’m happier not just because I can afford to
buy stuff. (OK, I must admit that’s a nice bonus.) I’m happier because I can help my bigger family.

When I was a poor missionary, I could only feed one family.

Every day, when I went to Mass, I remember passing by this poor family actually in the doorsteps of the church.
They were so poor, they had nothing to eat. Every so often, I’d dig from my pocket, go to the next-door bakery, and buy
them some bread. That was their breakfast.

But I couldn’t do it regularly. Because there were days when I really had nothing.

Today, I run a few businesses. And I have over 100 people working for me, either full-time or part-time.
When I was poor, I could feed one family. Now that I am no longer poor, I can feed more than 100 families.

Isn’t this a fantastic reason to be Truly Rich?

It’s not about the money. It’s not about the wealth. Goodness, it’s not even about you! It’s about God. It’s about
love. It’s about service. It’s about dying to yourself so that others may live.

May your dreams come true,

Bo Sanchez


*Source: Wealth Strategies Newsletter of TrulyRichClub – Issue Number 224 – July 2017

Choose Growth Over Wealth*

You always have to choose growth over money.

If God stood before you and showed you two doors—the door that led to personal growth and the door that led to personal riches—which door would you choose?

Here’s my strong advice:

Always choose growth. In the end, if you chose growth, money will follow. But if you choose money, growth won’t follow.

One day, I preached about dreaming big and asking big. After my talk, a man came up to me and said, “Bo, thanks for that talk! I’m now going to pray that I’ll win the P100M lotto prize!”

Lotto Jackpot

I told him, “Don’t pray that you win the lotto.”

“Why?” he asked.

I told him, “Because lotto gives you money. Only. But when you earn money through your job, or your business, or your investment, you create something more than money. You develop your capacities, your character, your confidence, your connections, your consciousness. You create growth. That’s much bigger than money.”

So when people ask that they win in raffles or the lotto, they’re asking small. I tell them to ask bigger.

Abraham Chooses Growth

In the Bible, there’s a powerful story of Uncle Abraham and his nephew Lot.

When Abraham moved to Canaan, he brought his nephew Lot with him. Both Abaham and Lot grew wealthy, expanding their livestock and servants. But that was now the problem. The land they were staying on could not support both their animals. So they had to separate and choose their respective territories.

The ticklish question was this: One land was better than the other. Who gets the first pick?

I imagined that the question was a no-brainer. Abraham was older. He had the authority in the family. He could simply pull his weight around and say, “Lot, I’m taking Forbes Park. You get the land that gets flooded 16 times a year.”

But Abraham didn’t do that. Instead, he took the hit. He decided to give the best land to his nephew. He chose growth over money. Abraham said, Take your choice of any section of the land you want, and we will separate. If you want that part over there to the east, then I’ll stay here in the western section. Or, if you want the west, then I’ll go over there to the east (Genesis 13:9).

He chose growth over money. When he gave the best to Lot, he chose selflessness, kindness, goodness, maturity… love.

After Abraham chose growth, the money followed. God said, “Look as far as you can see in every direction, for I am going to give it all to you and your descendants” (Genesis 13:14-15).


This choice happened to Solomon too…

Solomon Chooses Growth

King Solomon

One night, God appeared to him and said, “Ask me for anything, and I will give it to you!” (2 Chronicles 1:7). Gollygee, if God said that to you, what would you ask for?

Solomon didn’t ask for wealth or fame. He said, “Give me wisdom so I can rule the people you have given me.”

And because of that, God said, Yes, I am giving you the wisdom and knowledge you asked for! And I am also giving you riches, wealth, and honor such as no other king has ever had before you! (2 Chronicles 1:12).

He chose growth over money, but money followed anyway.


Because money is simply a symbol of value. And because growth creates value, money has to follow.

Friend, perhaps there’s a choice that you’re making right now—a choice between growth or money.

Always choose growth over money.

See Everything as Training

Then David spoke to Saul

“My lord should not lose heart. Let your servant go up and fight this Philistine. But Saul answered David, “You cannot go up against this Philistine and fight with him, for you are only a youth, while he has been a warrior from his youth. Then David told Saul. Your servant used to tend sheep, and whenever a lion or bear came to carry off a sheep from the flock, I would chase after it, attack it, and snatch the prey from its mouth…. Your servant has killed both lion and a bear. This uncircumcised Philistine will be one of them because he has insulted the armies of the living God.” (1 Samuel 17: 32-35)

Success is all about training.

Why do I say that? Because you don’t win wars in the battlefield. The secret of winning is winning the battle before the battle begins. And you do that through training.

David already won the battle with Goliath long before the battle began with Goliath. When? When he was a shepherd, fighting lions and bears.

Note: He didn’t have to fight those wild beasts. He could have just run away and told his father, “Dad, it was terrible! There were lions and bears that attacked the sheep! I couldn’t do anything. I was helpless. And it’s your fault, Dad. You didn’t train me. I wish you gave me a machine gun or a bazooka.”

David didn’t do that. He didn’t blame others. He didn’t run away. He fought.

He took the challenge.

David was a lowly shepherd. Today, the picture of a shepherd is romantic—a bearded guy that looks like Brad Pitt, carrying a cute lamb on his massive shoulders.

But in biblical times, shepherds didn’t conjure this pretty picture. Shepherds were in the lowest class of society. Shepherds were dirty, grimy, smelly—just a little bit better than beggars.

But David saw his being a lowly shepherd as God’s training for higher things.


He decided he was going to be the best shepherd in Israel. For David, his shepherding was training to be the best fighter in Israel—and later on—the best king of Israel.

TrainingSee everything as God’s training.

Are you a janitor? Be the best janitor in the world. Are you a messenger? Be the best messenger in the world. Are you a clerk? Be the best clerk in the world. Sooner than you think God will promote you.

Are you a clerk now but desire to be a manager? Then dress up like a manager, talk like a manager, be responsible like a manager, be proactive like a manager, be excellent like a manager—and sooner or later—you’ll become a manager.

Are you dealing with a difficult boss? See that as God’s training. Are you dealing with a difficult customer? See that as God’s training. Are you dealing with a difficult team? See that as God’s training.

Win the battle before the battle begins.

See everything as God’s training.

Keep Adding These 5 Trainings into Your Life

Money is a symbol of value.

The only way to add income into your life is to add value to the life of others. But the only way to add value to others is to first add value to your life.

Why? Because you cannot give what you do not have.

So keep adding value.

How? Get training.

Here are 5 Trainings that you can add into your life…

1. Add Experience

What experience can you add into your life?

Experience is not the greatest teacher in the world. Reflected experience is.

Failure and SuccessSo say “Yes” to experience. Get involved. Jump in. Volunteer. And then reflect on your successes and failures, especially on your failures. Between success and failure, failure is the greater teacher.

Specifically, say “Yes” to two kinds of experience: (1) Service and (2) Sales.

I had a reunion with a bunch of former youth leaders in the Light of Jesus Family who were no longer young at all, but already business leaders and owners and managers. (Believe me, I never felt so old. I met them as teenagers—but now, their kids are teenagers. Ugh.)

One guy told me, “Brother Bo, my service in Light of Jesus shaped me.

Because I volunteered in the youth ministry, I gained confidence to lead people, to speak in front of people, to organize events, to coordinate multiple tasks—I thank God I said yes to service.”

Friend, say “Yes” to service.

And say “Yes” to sales too.

Because business is selling.

Just for the experience alone, I tell people to get a part-time selling job.

Or join an MLM company. Yes, get rejected a million times—it’s good for your character.

Find a way to sell something one-to-one, face-to-face, belly-to-belly.

One of my first businesses was selling herbal juice for an MLM company.

Fact: Many great entrepreneurs have “sales blood” running through their veins.

One day, I was talking to the Chairman of the Board of a humongous company. He was a billionaire. But I caught him in the act, talking to a potential customer, selling his products.

It was so hilarious. But I loved watching him. No wonder he’s so successful. Despite his billions, despite his stature, he was still selling.

2. Add Experts

Who are your mentors?

The Bible says, When fully trained, every disciple will be like his teacher (Luke 6:40).

But how can you be trained if you don’t have mentors?

When someone tells me, “I started a business!” and I usually say, “Great! Who’s your mentor?” and I get totally shell-shocked when they look at me with a blank stare, like I said, “Who’s your Nephrologist?”

Finally, they mumble, “Uh, none…” And I groan. Six months later, their business vanishes from the face of the earth.

Read carefully.

The biggest reason businesses fail is pride. How come? Businesses fail because they don’t listen to a mentor—someone who is already successful in that business—guiding them.

That’s why Proverbs says, Without the guidance of good leaders a nation falls. But many good advisers can save it (Proverbs 11:14).

Hey, if you want to be an entrepreneur, you can’t just hang out with employees. You need to start hanging out with successful entrepreneurs. They think differently. They look at the world differently. Find them. Search for them. Look for them. Listen to them. And make them your friends.

By the way, consulting experts and mentors need not be face-to-face encounters.

For example, each year, I attend two to three international conferences. I love it. I soak it all in. It’s not an option for me. It’s a must. Add to that, I also watch a ton of video seminars, I read a lot of books, and I listen to audio talks.

3. Add Expertise

What new skills can you learn?

Once upon a time, I didn’t know how to write. When I was in college, I took up English 103, an essay-writing subject. Every essay I wrote came back to me with a big letter F on it. (By the way, F didn’t mean Fantastic.) I had to learn how to write. And after writing 36 bestselling books, I’m still learning.

Once upon a time, I didn’t know how to do corporate talks. Because all I knew to do was give talks in prayer meetings. Which was very, very, very easy. These were happy people who would applaud me every time I said, “Praise the Lord, Hallelujah!” These were happy people who would sing, “Lululalu, la-lulalulalei, lalulalula-lulalula-lei…”

Once upon a time, I didn’t know how to invest in the stock market. I had to attend seminars, read books, and get a mentor. Today, I teach thousands how to do it.

Once upon a time, I didn’t know anything about Facebook. But I realized it was the language of the young and I had to learn it because I want to use it to spread my message, my ministry, and my business. Now, I’ve got over a million FB followers.

What skills do you need to learn?

4. Add Execution

One of the reasons people don’t become entrepreneurs is they’re all plans and talk and dreams but no execution.

The Bible says, Faith without works is dead (James 2:26). If you want to be an entrepreneur, you need to learn how to pull the trigger.

The Bible says, He who observes the wind [and waits for all conditions to be favorable] will not sow, and he who regards the clouds will not reap (Ecclesiastes 11:4). Don’t wait until the conditions are perfect before launching. They never will be.

What should you do?

Start small—and correct along the way.

Once upon a time, there was a mother who started baking ensaymadas—and her kids loved them, and her relatives loved them, and her friends loved them. So this mother made the leap of faith and sold her ensaymadas in a tiangge. The first time she joined one, she couldn’t sell a single ensaymada. By the end of the day, she gave them away.

5. Add Excellence

ExcellenceExcellence in two aspects:

In your skill and in your character. Especially in your character.

Every single day, add more humility, more kindness, more integrity, more purity, and more honesty in your life.

Why? Because the 5 P’s of your business—your patrons (customers) and personnel (staff) and providers (suppliers) and powers (regulators) and partners (co-owners) will always be asking you one question: “Can I trust you?”

If the answer is yes, your business will flourish.

If the answer is no, your business will die.

Keep Adding This One Thing…

My final advice?

If business is about love, then the greatest thing you can add into your life is the Love of Jesus. Let His love flood your heart. So that you have love to give to the “5 Ps” of your business.

Jesus was an entrepreneur for 17 years.

He understands that world.

Talk to Him now.

Let Him love you now.

May your dreams come true,

Bo Sanchez


*Source: Wealth Strategies Newsletter of TrulyRichClub – Issue Number 218 – January 2017

Proverbs 3:5 says, “Trust in the Lord with all your heart, and do not lean on your own understanding.”

This is true especially when you face problems.

When you try to solve your problems, don’t lean on your own understanding. Rather, look for God-solutions, because they’re so much better than your solutions.

The young Moses leaned on his own understanding. He made the mistake of being impulsive, of being rash and using his own solutions.

“One day, after Moses had grown up, he went out to where his own people were and watched them at their hard labor. He saw an Egyptian beating a Hebrew, one of his own people. Glancing this way and that and seeing no one, he killed the Egyptian and hid him in the sand….” (Exodus 2:11-12)

Moses’ problem was that his people were being maltreated — and that’s a wrong. So his quick solution was to kill the Egyptian, an instant solution that satisfied his desire for justice. But killing was another “wrong.” It moves the situation from bad to worse.

Moses made a very common mistake we all do: He tried to right a wrong with another wrong.

But that’s crazy. Two wrongs don’t cancel each other out. If you try to right a wrong with another wrong, the two wrongs add to each other’s wrongness and make the situation 100 times worse.

Let me give you a Math lesson today:

-10 + -10 will never be a 10.

-10 + -10 will equal -20.

For a -10 to become a +10, you need to add a +20.

(Yahoo! I got a failing grade in Math in school, so giving you a Math lesson today gives me the heebeejeebies. Miracles happen.)

Let me say it loud and clear: You can’t right a wrong with another wrong.

You can only right a wrong with a massive right. God had a God-solution to the slavery of the Israelites. But it wasn’t instant. The God-solution was to send Moses to Pharaoh and negotiate the release of the Jewish people. It required 10 miraculous signs, a number of back-and-forth conference calls through Skype and e-mail, and a dramatic escape scene in the Red Sea. It would take a loooooong time.

Moses Parting Red Sea

Here’s what I learned: The best solutions are not rushed. The best solutions require a lot of patience, humility, and trust in God.

Right now, you may be facing a big problem in your life. Don’t right a wrong with another wrong. Don’t cheat. Don’t lie. Don’t steal. Don’t manipulate. Don’t do anything bad. It will never work — even if it appears fast.

God is telling you that He will provide a solution to your problem. It will be a God-solution. Be patient. Trust in the Lord with all your heart and lean not on your own understanding.

Three Kinds of Solutions

I’d like to talk about God’s solutions to your problems.

Dreams can come from Pride or Purpose.

In the same way, solutions can come from Pride or Purpose, too.

But let me add another source of solutions: Passivity.

I need to include Passivity because when I say, “Trust in the Lord,” some people hear, “Don’t do anything…” Not true!

1. Passivity

Do you know this type of person?

He doesn’t do anything to solve his problem. He’ll just wait for others to solve it for him. He is afflicted with low self-worth and feels he can’t do anything. He feels he is a victim and totally helpless. He is conditioned and trained to be a parasite, totally dependent on others — friends, relatives, spiritual community, the government, or even God Himself. Yes, he can be a religious person who thinks that holiness means doing nothing and waiting on God to do everything.

Imagine a brick wall. The wall blocks his path to his dreams. This passive person sits in front of that wall and just waits for a miracle to make the wall disappear. He waits for a storm to blow the wall down, or an earthquake to tear it down, or even the finger of God to appear from nowhere, flick the wall, and topple it down. Nenita was such a person…

But God Wants You to Be Part of the Solution

Every time Nenita needed money, she came to me. At first, she asked me money for food, transportation, tuition fees. Later on, I noticed she came to me asking for other things, like dental treatments, beauty parlor visits, manicure, pedicure, and foot spa. (OK, I’m exaggerating. But you get my point?)

Every time I talked to her, I challenged her to find a job, or sell something, or explore tiny business ventures. I gave her a list of people to talk to, phone numbers to call, jobs to apply for.

But nothing happened. Every time she talked to me, it was always to give me a long list of excuses why she couldn’t get a job. “Brother Bo, I was going to apply for work yesterday but it was too hot and I felt dizzy…” and “Brother Bo, I was going for a job interview yesterday but I didn’t have anything to wear…” and “Brother Bo, I am going to look for a job tomorrow but I don’t have anyone to accompany me…”

Do you know what Nenita wanted? She wanted a job to fall from the sky on a silver platter — and all she had to do was receive it.

But that’s not how life works, because if it did, you will never grow. God gives you solutions to your problems, but He wants you to be part of the solution. Trusting in the Lord means not just praying with trust but also acting with trust. Now that clarification is over, let me go to the main message:

Your solutions can come from your Pride or your Purpose…

2. Pride

You can solve your problems operating from ego. Operating from arrogance. Operating from pride. Operating from impatience. But it will have catastrophic results.


The young Moses saw his people maltreated and his solution was to kill the Egyptian. Solutions that come from Pride violate God’s ways. Remember my analogy of the brick wall? Proud people, in a fit of impatience, will attack the wall without much discernment. I imagine these people getting boxes of dynamite and blowing up the wall, without even checking if others will be injured or killed. In the process, they destroy not only the wall that blocks their dream, but they end up destroying the dream itself. You don’t want that. You want your solution to come from Purpose…

3. Purpose

Do you want a God-solution?

Let me teach you how to get it. What I am about to tell you is a very powerful spiritual principle that will save you from a lot of useless pain in the future. (I wish someone told me this truth 20 years ago!)

Are you ready?

Here it is: Don’t focus on your problem; focus on your purpose.

In other words, don’t focus on the brick wall; don’t focus on attacking the brick wall; don’t focus on destroying the brick wall; don’t focus on disintegrating the brick wall; Instead, focus on the dream behind that brick wall. When you do this, many times the God-solution will make your problem irrelevant. From experience, you don’t have to blow up the brick wall. All you have to do is find a way around the brick wall.

Taxes or Profits?

I’m an entrepreneur. I always hear entrepreneurs complain about the Bureau of Internal Revenue raising taxes. Hey, I think it’s too high, too. Personally, I think that if taxes are too high, it won’t encourage entrepreneurs to create more jobs. But some entrepreneurs focus on the high taxes and get fixated (obsessed) on lowering them. They get agitated and irritated every time they remember the high taxes they pay.

I don’t do any of that. My focus is on my purpose: to serve my customers and create profit. I want 100 percent of my energy and attention on this purpose, not on complaining about my taxes. So instead of finding ways to decrease my taxes by one percent or two percent or three percent, my focus is on doubling my profits next year, making high taxes irrelevant to me.

I cannot begin to tell you how this attitude is absolutely liberating for me as an entrepreneur. Instead of being filled with a complaining, bickering spirit, which doesn’t attract wealth, I’m filled with an entrepreneur’s energy, passion, creativity — because my focus is on purpose, not on problem.

Collecting Debts?

Has someone borrowed money from you and has not been paying?

I know of some people who get so bothered by these debts, they spend their entire time collecting them. In other words, they focus on their problem.

Debt Free

I feel that’s mostly a waste of time. I always advise these people to put their attention and energies elsewhere: to earn sevenfold of whatever money they lost. This will make them focus on their purpose, not on their problem. Just learn your lesson and collect the money you lost elsewhere from God’s universe.

Instead of being eaten up by bitterness, this will free you up to focus fully on earning money and enjoying life more. Result? When you earn whatever you lost sevenfold, the uncollected debts become irrelevant to your life.

Don’t Rush Solving Your Problems

Let’s say you’re driving to work. And you’re late. If you keep driving the way you usually drive, you’ll be late by five minutes.

Your solution? Drive like a maniac. Swerve recklessly. Switch lanes. Cut down other drivers. Break the speed limit. And violate traffic laws.

But because you’re driving like a madman, you cause an accident. You hit another car, and another car hits you. In the accident, you break your arm, leg, and neck.

Result? Instead of being late for five minutes, you’re late for five months — because you have to stay in the hospital and recover from all your broken bones.

This is a perfect analogy for solutions that come from Pride. Any solution born out of Pride — though it appears fast — is really delaying your real solution.

Why Scams Are Hot

Haven’t you noticed? The Philippines is the home of blockbuster scams. All scams exported to our country achieve massive success. Why? Because we’re impatient in growing our money the right way.

Tell me, why did 15,000 people get burned in Aman Futures? Aman Futures was a pyramiding scam or a ponzi scheme in Mindanao that duped their investors of P12 Billion.

How did that happen?

Because people were in a hurry to earn a lot of money, and Aman Futures was promising an interest of 50 to 80 percent in 18 to 20 days. That’s more than 1,000 percent a year. How in the world can a business give that kind of profit?

I teach people how to invest in the stock market. It’s a long-term, monotonous, automatic, mechanical strategy that makes you earn 12 percent or more each year. Compared to Aman Futures’ 1,000 percent interest, my promises are utterly and completely boring.

I admit, it’s slow. But it works. (The star of my book, My Maid Invests in the Stock Market, is doing very well. My maid — whom I promoted to bookkeeper — now has over a million in her stock market portfolio. Believe me, it works.)

Speed Doesn’t Matter If…

One day, I was rushing to EDSA Shangri-La Hotel for a meeting. My driver did a great job weaving through the traffic because it took us only 30 minutes from my house to the hotel. When I arrived there, I sat down in the lobby and saw none of the people I was supposed to meet. I wondered why, because I wasn’t early. So I called up my friend.

He said, “Hi, Bo, we’re all here.

Where are you?” I asked,  “You’re all here? I don’t see you…”

“I’m going to stand up. I’m wearing a red shirt,” he said.

I looked around and couldn’t find him.

I said, “Gosh, are you sure you’re in EDSA Shang?”

“Bo, we’re in Makati Shangri-La…”

“Oh no!”

Here’s my point: Our car flew through traffic. But it didn’t matter, because we went to the wrong place.

I solved my problem. But I didn’t fulfill my purpose.

Why? Precisely because I was focused on my problem, not my purpose.

99 Percent of the Time, God Is Never in a Hurry

We’re an impatient bunch of people.

We want things done fast.

But the older I get, the more I realize that when God works in my life, He’s never in a hurry.

Just look at my weaknesses. God and I have been working on my weaknesses for the past 30 years. But by golly gee, they’re still here! Sure, there’s a lot of improvement — I’m not the same person that I was 30 years ago. But why does transformation take sooooooo long? Can God not just zap my weaknesses? And change me in a snap of a finger?

God can do that but He doesn’t. Because God values development more than the destination, the trip more than the target. And because He is never in a hurry, His solutions are always long-term — never short-term.

The key is to use a God-solution.

God’s Solution Is Right in Front of You

God promises solutions to your problems.

In the Old Testament, when Hagar thought she and her child were going to die from thirst, she saw God’s solution right in front of her: “Then God opened her eyes and she saw a well of water. So she went and filled the skin with water and gave the boy a drink” (Genesis 21:19).

The solution was right in front of her. She just couldn’t see it.

Do this little exercise with me…

Dots Puzzle

Without lifting your pencil from the paper, draw four straight lines that connect ALL nine dots. (The creative solution is found on the opposite page. But don’t look at it yet without trying to solve it yourself. You’ll be amazed at the simple solution.)

Are you stumped?

Keep trying before looking at the answer below.

The solution is right in front of you. You just don’t see it.

Give up?

Here it is…

Dots Solution

Right now, you may be stumped with your own problem. You may be facing your brick wall and you don’t see how you can go around it.

Friend, believe today that God will open your eyes to see the solution that is right in front of you.

Let me repeat: Don’t focus on your problem; focus on your purpose. Don’t focus on the wall, or destroying the wall, or conquering the wall. Simply focus on the dream behind the wall — and you’ll find a new way to achieve that dream.

Don’t rush. Don’t be impulsive. Give yourself time to think. Give yourself time to be. Give yourself time to discern.

The Bible says, “Be still and know that I am God” (Psalms 46:10). And in His presence, He will tell you what to do. Trust in the Lord with all your heart and lean not in your own understanding. And you will see a God-solution to your problem.

May your dreams come true,

Bo Sanchez


*Source: Wealth Strategies Newsletter of TrulyRichClub, Issue 223, June 2017

Do you want to grow your income this year 2017 and even beyond?

Do you want to experience this year as your milestone year?

You see, God wants to bless you. Really, trust me. He loves us so much as His children.

But His blessings will not come unless you open your life to His blessings.

In this article, I want to share to you five simple strategies that will open to your life to financial blessings of God! I want your undivided attention because what I’m to share to you will surely impact your life.

Ok, are you ready?

Let’s begin.

Here are the 5 Simple Strategies To Grow Your Income In 2017 and beyond:

  • You’ve Got To Believe

All success begins with your mind and your heart. Unless you believe, you will find yourself struggling all your life.


Because, your belief is like releasing a break that will speed up your success. It will drive you to recognize those things that will make you truly rich.

Nothing will ever happen to your life unless you believe.

My friend, it’s not all about action. You’ve got to believe first.

Of course, you have to have the right beliefs:

Right Belief In Yourself.

Right Belief in God.

These 2 are inseparable. They are like twins, or two sides of the same kind.

Right Belief In Yourself’

Your words will always be a self-fulling prophecy.

Why? It’s because words are so powerful.

Without you knowing it, the words that you speak to yourself influences your life for the better or for worse.

Examine yourself: what did you tell to yourself first time you wake up in the morning?

Are they positive words? Words that fire you up, motivate you, make you feel good inside?

Or words that make you feel defeated even before you step out of the bed?

My friend, you owe it to yourself to believe in yourself.

And since the focus of this article is about you becoming wealthy, let me say this:

You’ve got to believe that you going to be rich.

No ifs, no buts.

Just believe it with all your heart. Program yourself to think and grow rich.

One easy way is every morning when you wake up, declare positive words to start your day.

Here’s some words that you can use. You may try a variation of the following:

I am rich…

God blesses me, financially, spiritually…

God loves me…

I am a wonderful person…

I am wonderful… I am a child of God, I am an amazing person.

Right Belief In God

Many times our belief in God influences our belief in ourselves.

It’s therefore a wise endeavor if you can try to analyze your present belief.

Do you believe that it’s the will of God for you to be rich?

Or do you believe that it’s okay to be poor because “it’s difficult to enter heaven if you are a rich person”?

Let me tell you this:

God has given you the ability to produce wealth!

You got to believe that God wants to bless you abundantly…

He doesn’t want you to suffer and be poor…

But God doesn’t intend that you be rich for yourself.

He wants to bless you so you can be an instrument of His blessings…

And once you become rich, always try to detach yourself from your wealth. Once you do that, it will be a lot easier to use your wealth to bless others, isn’t it?

Lastly, always stoop down before God. Be humble while being rich.

How about that of “carrying our cross”? Isn’t it a command for us to live in poverty and suffering?

No, not at all!

Carrying your cross is the suffering that you experience because you love…

It’s not suffering for suffering’s sake…

For example, if you are married, you serve your partner no matter if you are tired.

If you have a son or daughter, you still attend to their needs when they approach you even if  you want to get some rest because of a hard day’s work.

Do you suffer when do those things? Of course. But you do it because you love. You carry your cross for the beloved.

Do you get the idea?

Clear your negative idea and belief about God so you will experience His blessings flow into your life. It’s that simple.

  • You’ve Got To Serve

If you will read the biography of all successful and wealthy people, you will find out that their lives were full of service to others.

Surprisingly, they did it, not for money.

They went out of their comfort zone just to serve and volunteer.

The end results is that they developed skills and talents that they applied to business.

So ask yourself, when was the last time that you really serve others without expecting anything in return?

  • You’ve Got To Grow

Do you want to grow your income?


You’ve got to grow yourself.

Focus on what you are good at.

Focus on your strength and refine it.

Practice. Practice. Practice in honing your strength until you become a genius.

All the wealthy people in the world are not a jack of all trades, master of none.

On the contrary, most of them are good at only one or two things.

But these one or two things were enough to make them rich.


Because of the laser focused they devoted to being a master genius.

So my challenge is, find your one thing.

Focus on it. Soon you will find out that one thing will make you fortune. Guaranteed.

  • You’ve Got To Learn How To Duplicate

There two kinds of income in the world. Active income and Passive Income.

Active income is when you exchange time for money.

Passive income is when you exchange not time for money, but wisdom for money, or small money with bigger money.


Through technlogy. Through leveraging other people’s effort, through investing.

Passive income happens when you are earning even while you are sleeping.

It happens when you are taking a nice vacation and yet you are earning well.

Our aim should always be to develop a Passive income. Duplication is the name of the game.

For example, if you have small store that you and you alone are attending to, ask yourself how you can duplicate or scale your business.

Come to think of a way to duplicate your business.


Because nobody gets rich in just having an Active income.

Real wealth comes from having a Passive income. Plain and simple.

But I’m not saying that having an active income is bad.

No not at all.

We all have an active income.

But we must little by little, use our Active income to build a Passive income.

Which brings me to the last of the 5th strategy.

  • You’ve Got To Invest

Passive income comes from investing.

This is where you start to grow what you have.

And where should you invest?

Well you can start with the business ideas I share in this website. Pick one or two and concentrate on that.

When you are comfortable, add another one.

Since investing is more apparent in Stock investing. Let me focus on that in this article or you may read my full review regarding Truly Rich Club here.

The Many Benefits of Truly Rich Club

  • Investment – The Easy Way

There is this misconception that stock investing is hard to learn, and that you’ve got to have millions of pesos to start.

Well not anymore. Truly Rich Club will guide you step by step.

You will be taught how to open your broker’s account, how to fund it, and how to buy and sell stocks.

The guessing game is eliminated. You do stock investing the easy way. After all, it’s your wealth that you are building.

  • Insurance – FREE

As a member of Truly Rich Club, FREE coverage of P100,000 Personal Accident will be given you. You see, Truly Rich Club loves the members so much to protect and insure them.

That’s why I love this club so much.

  • Inspiration

A right mindset is a prerequisite to being truly rich. You really have to change your mindset from a poverty mindset to that of an abundant mindset.

To that end, Truly Rich Club will bombard you with countless media just to emphasize to you certain things.

It’s like you are programming your mind and heart to recognize the many blessings of God. It’s so priceless.

  • Income

As an icing in the cake, Truly Rich Club members can have a passive income by referring others to the club.

This is called affiliate marketing.

A whooping 20% is given to the members when someone joins the club. And it’s not one time but as long as the referrals have an active membership in the club.

Is that good or very good? 🙂

Well, that’s it. I hope you learn something from this article. If you want a more detailed review about Truly Rich Club, click here.

If you find this to be useful and if you have a friend or relative who is an Overseas Filipino Workers (OFW), I invite you to share this to them.

It’s my goal really to help them realize that they can build their wealth while working abroad so they can come home very rich and fulfilled for their loved ones.

The month of December. What a sweet month for all salaried personnel, employees, workers, and professionals.

It’s the time of the year when people receive all the perks and bonuses from the company they are working for. They work hard all year long and now is the time that they receive what is due them.

But don’t you know that your Christmas Bonus is tied up and determines your success in life?

Shocking, isn’t it?

In this article I will show you the direct link between the Christmas bonus your receive and your success (or failure) in life.

Christmas Bonus and Your Reaction

Let me ask you this: When you receive your Christmas bonus, what is your reaction?

No, I’m not asking if you are happy or not. Of course, everyone of us are happy when given an extra money.

But I’m asking what is your mindset when your receive cold cash in your hands.

Are you mind imagining those things you can buy? Maybe a nice gadget for you or your loved ones?

Maybe a fine dining for your loved ones? How about a nice vacation for the family?

What about a new dress, watch, etc.?

Or maybe, an extra money represents for you an answer to pay off your debts?

Those are all nice use of money. But they all represents an outflow, a spend mentality.

The money you receive are gone in an instant. Of course, you receive something in exchange for the money.

But come to think of it. Isn’t it a lot better if you have a plan to make your money grow?

Money – A Seed For Growth

Robert Kiyosaki, a well-known author of Rich Dad, Poor Dad, is an advocate of delayed gratification. The same is true with Bro. Bo Sanchez, the founder of TrulyRichClub, a club advocating an abundance mindset to help members achieve financial freedom.

What is delayed gratification? Wikipedia defines it as follows:

Delayed gratification, or deferred gratification, is the ability to resist the temptation for an immediate reward and wait for a later reward. Generally, delayed gratification is associated with resisting a smaller but more immediate reward in order to receive a larger or more enduring reward later.

Did you see that? It’s an ability to resist an immediate reward for a later reward.

Usually the immediate reward is much smaller for a person to sacrifice it for a larger and more enduring reward at a latter time.

Getting the mindset of Robert Kiyosaki, it goes like this:

Assuming he happens to want a nice car and he has the money to pay for it right away.

But for Robert, he will delay giving himself that car so as to use the money in buying the car and grow that instead.

He asks a question to himself like this: how can I use what I have right now to grow so that I can buy what I want with the interest or growth?

You Mind – Your Powerful Ally To Make Your Money Grows

Ask, and it will be given you; seek, and you will find; knock, and it will be opened to you. For every one who asks receives, and he who seeks finds, and to him who knocks it will be opened. – Matthew 7:7-8 (RSV)

Usually when a person challenges himself and ask questions, the subconscious mind gets to work for an answer.

But you have to ask the right question.

You also must be clear in what you are asking for you to receive an answer.

Let me repeat that, you must be clear in what you are asking before you receive an answer.

You also must be ready and committed to receive an answer.

Readiness requires that you exert some effort.

Are you doing what you can to get the answer?

You will discover that the answer can take many forms.

Probably, you can read a good book.

You may discover a nice seminar or even a webinar providing you great insight.

In today’s internet world where the information is readily available, you can dig in and do some research.

Let me offer also to you this website. It contains many ideas for you to grow your money. First and foremost is my #1 Recommended Training Program.

Your Christmas Bonus Determines Your Success

A person with an abundance mentality has this ability to make what he receives to grow.

He sees and seizes an opportunity. He also seeks an opportunity when it appears there is none.

He is not contented just to receive the fruit of his labor and enjoy it right away. He uses the seeds of the fruit so as to make the seeds produce more and larger fruits in due time.

Yes, he will then enjoy much larger fruits. After all, there’s a time for everything.

As a conclusion, always ask yourself these questions:

“What am I doing to improve my life? Do I have now the resources to make some wise decisions for my future and that of my family?”

Your Christmas bonus can really determines your success.

You can enjoy it right now, right away, then come next year, toil again working for money instead of money working for you.

The better alternative would be is to use your Christmas bonus (maybe even just a part of it) to invest and improve your lives.

Learn how money works and how to make it grows.

Increase your Financial Quotient.

Hire or look for a mentor. Every successful person has a mentor or coach.

Attend a seminar or even webinar.

Look and attend some business events so you can have some business ideas to start with.

Explore if Online Business is for you. Actually this is much easier than starting a traditional brick and mortar business.

It’s more fun challenging your mind to learn new things.

Believe me, ignorance is much more expensive in the long run. It will keep you where you are for the rest of your life.

You deserve more in life. Think about your dreams. What you do now can either make you achieve your dreams or not.

The bottom line is, your mindset towards the Christmas bonus (or any money) you receive, will make or break you.

Choose wisely.

All the best,


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With that in mind, let me share to you the Instant Money Button from Brett. It’s really simple. All you have to do is click the button below. Go ahead, click it now and watch that Instant Cash right away.


Ok, did you click on the button above? What did you find?

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Once you get into it, you will know how to build your foundation of success once and for all. Check it out now!


Ways To Get Out Of Debt

In this article, let me show you several proven and effective ways to get out of debt. These are not a pie-in-the-sky theories but a workable solutions that you can apply right away if you want to be debt free or if you want to debt proof your life forever.

Let’s begin with this Biblical principle:

The Lord will open the heavens, the storehouse of his bounty, to send rain on your land in season and to bless all the work of your hands. You will lend to many nations but will borrow from none. – Dt. 28:12

There are several key points here:

  • God has storehouse of bounty

Debt is not just a financial issue. It’s more of a spiritual issue.

You see, God has provided you and I a storehouse of blessings. You just have to claim it for yourself.

Are you regularly walking into God’s storehouse of blessings for all that you need?

If your answer is no, then wonder no more why you are in debt. You are not claiming what is in store for you by God. God is a God of abundance. You must have an Abundance Mindset and not a Poverty Mindset to get out debt.

Having an Abundance Mindset is the way to walk into God’s storehouse of blessings for all that you need.

Try it! It really works.

  • God will send rain in your land

Did you see that? It says God will give you rain of blessings. As I said earlier, He is a God of Abundance. It’s in His nature to give you an outpouring of blessings.

But the problem is, are you catching the rain of God’s blessings or are you just letting them fall to the ground?

You see, there are season of rain and season of not raining.

When it’s the season of rain, you must have a strategy to catch and value the blessings coming to you.

Don’t waste it so when it’s not a season of raining, you have something to rely from. God wants you to be his good steward in taking care of His blessings.

If you are not catching the rain of God’s blessings when He send you the rain, then don’t be surprised that when it’s a season of not raining, you’ll have to borrow from others and be in debt.

  • God will bless the work of your hands

If you look closely, God has reveal to you how He will bless you. It’s through the work of your hands.

It’s not from winning the lottery, joining those get-rich-quick schemes, etc. He will bless you by you working out on the right stuff. You need discernment on this. Don’t let greed influence you so you will see how God is blessing you.

  • You will lend to many and borrow from no one

What a promise. Imagine being debt free and you are the one lending to many.

“Lending” here can be likened to “investing”. Through investing, you let others have a capital for their business so they will grow. In short, you are partnering with them.

I will get on this in my future article.

Ways To Get Out Of Debt

  • Commit to becoming debt free now

The wicked borrow and never repay – Psalm 37:21

Paying debt is not just a financial issue. It’s a spiritual issue.

It’s a commitment to your God. Period.

God loves you and He wants you to be out of debt. Commit to pay your debt no matter what.

You don’t just owe your creditor. You owe God in honoring your debt to others.

  • List down your debts with specific amount and interest

I know it’s hard at first. Many people in debt suffers from amnesia when it comes to their debts.


Because they are in denial. Instead of confronting the problem, they choose to run away from it.

And running doesn’t solve anything. It just worsen it.

When you list down your debts, the problem you have will become crystal clear to you. You will be then in a position to face it squarely.

  • Set up a repayment plan

You can get into debt accidentally, but you are not going to get out of debt accidentally.

You have to be intentional about paying your debt

Here are several suggestions on how to do it:

* Pay off the debt that makes you the maddest plan.

Look at your debts. Identify the debts that makes you feel very uncomfortable emotionally. Those are the debts that will drag you down and many financial experts suggest that you deal with them first. Why?

It’s because you can free your emotion and energy so you can concentrate on your other debts.

* Snowball Plan

Dave Ramsey suggests that you take baby steps in your repayment plan.

Look out each debt separately and pay down the smallest first with any extra money that you have while paying the minimum on the other debts.

By doing this, you build momentum. The hardest thing for a person in debt is to act right away.

By having the satisfaction of paying the smallest debt first, you will feel confidence in taking little by little a much higher debt. It’s really a snowball effect. Pretty soon the snowball will be an avalanche that will force you to be out of debt.

* Laddering Plan

Pay your biggest debt right away while paying the minimal amount on your other debts. This helps you feel you are in control of your debts.

Many of those in debts have the erroneous thinking that they are powerless. By doing this Laddering Plan, they feel right away that after all, they can do it.

It really starts with conditioning your mind that you can do it.

* Talk to your creditors

Who are your creditors?

Creditors are people you are trying to hide from. Nothing makes them madder than being ignored.

You must sit down with your creditors and discuss with them on how you can settle your debts.

Be honest. If you want, you can ask them to stop charging the monthly interest of your debt so you can concentrate in paying the principal.

You can also discuss with them in restructuring your debt or maybe asking for a lower interest rate.

Creditors simply want to get paid, and oftentimes they will be logical enough to compromise with you so you can pay off your debt.

When your ways please the lord, he will make your enemies into friends. – Prov. 16:7

Make your creditors to be your friends by talking with them. It’s as simple as that.

* Add no new debt

Once you set up your chosen strategy to pay off your debt, don’t add new debt so you won’t be buried again in debt.

But how do you get away from ever borrowing again?

Follow the Cardinal Virtue of Finance:

Spend less from what you earn and invest the difference.

Why do that?

Because it frees you the money so you can pay off your debts.

So simple, isn’t it?

But you may ask, how do you spend less when what you are receiving is not enough?

Some Practical Suggestions On How To Spend Less


* Grocery Shopping

Only the wife should go grocery shopping. By following this suggestion, only one person is in control as to what is to buy. Of course, before shopping, husband and wife should discuss with one another the needs of the family.

Stick to your list. We are all impulsive buyer. By sticking to the list, it gives you control with your spending. Besides a list is well thought off.

Never use credit card. Many persons have a false sense of power in using credit card. They think that sky is the limit when using it. By using cash, they will feel right away the resources they have and stick with them.

Never bring your children or your husband with you. The logic behind is for you to have control when you are buying things instead of having someone with you asking you to buy this or that right there in the grocery store. Besides for women, shopping is an experience. They love it. For men, it’s a task. So men want to finish the task right away when you are with them. Result? It’s a disaster in your shopping if you are with them.

* Utilities

Always compare your bills with that of last month’s. You have to monitor it so you can do to some cost cutting.

If you are a cable subscriber, you can choose only the TV channels you need. Go for a lower subscription plan because you really don’t need all the channels, right?

Use Prepaid Service in your Cellphone. Unless you have a business and many contacts that you have to communicate with daily, you can save a lot by using a prepaid service. Again only subscribe to those things you really need.

Use LED lights. This kind of lights will save you a lot in the long run. It has been proven to be cost effective in your electric bill.

* Clothes

Do not buy clothes when you need it because it might be very expensive then.

Buy clothes during sales and off season.

Buy clothes you need, not the brand.

To help you think more creatively on how you can lower your expenses to pay off your debts, you may want to answer some questions yourself:

Do you drink soft drinks?
Do you smoke?
Do you eat merienda?
Are your kids studying in expensive school?
Do you buy branded clothes?
Do you have more than 1 cellphone?

I think you get the idea, right?

Do these savings tips to save you a lot of money. The money you save can be used right away to pay off your debts.

If you look out your expenses, these are little things that get you into debt.

Remember the Saver’s Principle

Little + Little + Little = A Lot

Let me leave you with this:

The borrower is the slave of the lender – Prov. 22:7

Don’t be a slave anymore. God loves you and want you to be debt free.

May you experience His blessings in your life.

Your friend,


P.S. Are you really serious to manage your finances and enjoy financial freedom? Join TrulyRichClub here.

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I need you to read my essay very carefully.

Because  you  need  to  understand  how  terrific  your investment  strategy  is  compared  to  other  strategies  out there.

In the TrulyRichClub, you use the Strategic Averaging Method  (SAM).  It’s  an  improved  version  of  the  Peso  Cost Averaging Method.

Why   is   SAM   better   than   Peso   Cost   Averaging?

Answer: Because you’ll earn more. How much more? In the long term (20 years or more), you’ll earn MANY MILLIONS more.

Let me explain why.

In  the  Peso  Cost  Averaging  Method,  the  investor buys  stocks  of  gigantic  companies  on  a  regular  basis  (for example,   monthly),   always buying,   never   selling—for decades. He just buys, buys, buys.

In SAM, the investor also buys the stocks of gigantic companies each month for many decades, but we do two things differently:

  1. We sell when we believe the share price is very expensive (it hits or goes above our Target Price). This is like  a  “reset”.  Because  when  we  sell,  we get  our  cash  back  and  start  deploying  again  to  cheaper  stocks slowly.
  2. We buy only if the price is cheap (we only buy if the price is below our Buy-Below Price).

These two big differences will give you superior returns.

Note: This won’t be obvious in the first five years of investing.  But it will become very obvious after the fifth or sixth or seventh year… Because at a certain point, Peso Cost Averaging becomes almost a Buy-And-Hold Strategy. (Buy-And-Hold  Strategy  is  another  method  of  investing  where  you  plunk  a  huge  amount  and  buy  a  stock—and don’t do anything anymore afterwards.)

Why  is  the  Peso  Cost  Averaging  almost  like  a  Buy-And-Hold  Strategy?  Let’s  say  you  invest  P5000  a  month faithfully.  After  20  years  of investing,  your  money  would  have  grown  to  P5  Million.  So  your  monthly  investment (P5000) is now only 0.1 percent of your total portfolio.
It won’t make a dent anymore. So it’s almost like a Buy-And-Hold Strategy.

But if you follow SAM and—at very strategic times sell portions of your portfolio—you actually multiply your returns because you can buy more stocks at cheaper prices.

I believe that SAM will increase your average growth by a few percentage points. I love giving this example: If a woman at age 25 invests P3000 a month, by the time she retires at 65, she would have P30 million—if her stock market investments grew by an average of 12 percent a year. But if she uses SAM and nudges her average growth upward by just 2 percent, it’ll be glorious. At 14 percent growth, she won’t have P30 Million, she’ll have P55 Million.

NOTE: In the past four years, if TrulyRichClub members simply followed our instructions, our average growth has been 17 percent-plus a year. It’s been pretty amazing.

Bottom line, I just want you to appreciate the powerful strategy that you’re using here at the TrulyRichClub.

Happy investing!

Bo Sanchez

Grab Your Copy Of This Seminar! Click Here!

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My friend in front of me was fidgeting. So I knew something was bothering him. We were having coffee in a little resto in Makati, and after greeting each other, he dove into the reason why he asked for a chat.

“Bo, I’m scared. I’m scared for the Philippines. And yes, I’m scared for our stock market. I just joined TRC early this year. Tell me, will the stock market go lower? Honestly, I just wish President Duterte stops talking. Every time he talks, the market goes lower!”

I laughed. “Let me clear the air. It’s more complicated than that. What you’re seeing in the Philippine Stock Market today is also a global phenomenon. Other countries’ stock markets are going down too. And we went down more compared to the other countries because the Philippines was more expensive—so naturally, we were sold by the foreign funds more than others. But yes, possibly a few foreign funds are pulling out because of perceived increase of political risk…”

My friend looked at me intently and asked, “Bo, I’m curious. Why don’t you look worried? Aren’t you scared at what will happen to the country? And don’t tell me, ‘I trust God, blah, blah,’ because I trust God too. But for one moment, forget that you’re a preacher and talk to me like you’re an ordinary guy.”

“Personally, I still believe the country will have great economic growth in the next 10 years. But the journey will be rough. And I’m not scared of rough waters. Here’s a little history lesson. In 1986, the Philippines suffered six coup d’etat. Six! It was absolute chaos. But at the worst possible time in the country, some wise investors—like my mentor—earned the most amount of money in the stock market.”

“ Wow.”

“So I’m not afraid of crisis. Yesterday, my conspiracy- obsessed friend told me that after the US elections is over and they have a new President, the CIA will do something about President Duterte…”

“Oh my gosh. What if that happens?”

“First of all, my friend believes in everything. He believed that Michael Jackson was an alien. And he believes Elvis Presley is still alive. He even showed me YouTube videos to prove it. But no matter what happens, the 10-year and 20-year progress of the Philippines is intact.”

“But even if these conspiracy theories won’t come true, do you think the market will go lower?”

“Yes, we believe it will still go lower. That’s why last August, we asked members to raise cash. We instructed our members to top slice—to sell 20 percent of their winners. And one week later, we instructed everyone to sell 40 percent.”

He nodded, “Yes, I remember you emailing us about that. And I sold some. Bo, I have one last question and I’ll shut up. If your prediction is that the market will go lower, shouldn’t we just wait for those lower prices before we start buying again?”

“Nope. We buy every month, remember?”

“Oh, right.”

“Stick to our system. Traders like guessing the bottom. We can’t. And we don’t. We just buy every month. You’ll be okay.”

Happy investing!

May your dreams come true,

Bo Sanchez

This Can Be Yours! Click Here

TRC How To Be Truly Rich Audio Seminar

Business Ideas For OFWs

If you are going to interview a typical Overseas Filipino Workers (OFWs), I’m sure you’ll find out that 99.99% of them do not want to work abroad and leave their family behind if the salary is good in the Philippines. It’s just the lure of the greener pasture for OFWs that drives them to work abroad.

While abroad, OFWs provide financial comfort for their families and because of their remittances, they help a lot our economy. That’s why the government hails them as modern day hero.

But the hard reality is, OFWs is as good only as their contract. Sooner or later they have to leave abroad and return to the Philippines. It’s therefore advisable that while abroad, OFWs should not only save their hard-earned money but grow them as well. Investment in a good business is the key to wealth and prosperity.

In this article, let me share with you several business ideas or models that an OFWs can do while abroad. After all, they do have a lot of spare time there. It will just take some education about the business, planning about it, and commitment to work it out. These are all simple business models that OFWs can do even while working abroad.


Among the business models I listed here, this is the simplest to do. Why? Because your online business will be based on your interests, passions, or hobbies you know by heart.

It’s not a done-to-you system because you will be the one to create the business, one step at a time.

Using this model, your online business has a much greater chance to succeed because it will come from what you love most. Do what you love and you never have to work a day in your life. Why? Because it’s more fun.

How about the products or services?

They can be either your own or that of others. Yes, you can promote other people’s products or services and earn big from that. You just receive a nice commission from the sales. How good is that?

Check out my #1 Recommended Training Program so you’ll fully understand the beauty of the model I’m talking here. Click here to check my comprehensive review.

With your own online business, the world is at your hand. Your online business is open 24/7. You earn even while you sleep, taking a vacation, or even while you are working abroad. Isn’t that great?


I can almost hear your scream, “What? Are kidding? Stock Market? I do not even understand what it is. It speaks an alien language as far as I’m concerned”.

Calm down my friend. Stock market or stock investing in the Philippine Stock Market is very easy. Trust me. Even an ordinary person can do that. And contrary to popular misconception, you don’t have to have a lot of money to start with that.

Do you know that even as little as P5000 you can already investing? You are an OFW so I know you can start more than that.

Do you also know that you can invest, even if you are there working abroad? It’s done online so you can access every buy and sell transactions anytime, anywhere.

But first, what is a stock?

Stock is a share of ownership of a company. A company needs capital to grow or expand their business.

To raise additional capital, a company usually issues to the public a shares of stock.

If you buy shares of stock of a company, literally you are part owner of that company. When the company grows or make profit, you earn too.

For example, if you buy a share of stocks of Jollibee Food Corporation, every profit from the sales of its hamburger or spaghetti, you earn too.

The value of your stock of grows as the company grows, and the company can even declare a dividend and share a portion of the profit with you! Great isn’t it?

The companies you will be buying stock from are already those well established and giant companies. They are already earning big time. Why not be with them when they earn more and more?

My personal experience with the stock market is that by following a good investment strategy, you really can earn your first million in a couple of years.

I’m telling you this, not to brag. I just like to invite you to take a closer look so it can help you grow your wealth too.

I did it and I see no reason why you can’t too.

Don’t worry, as I said it’s very easy and profitable in the long run.

Click here to check this review to get you started.


There are many business models you can select to have a business franchise. But I recommend that you select one in which you can manage even while you are abroad.

Yes, technology is such as no matter where you are, you can oversee the operation of your business anywhere.

Introducing the ExpressPay Franchise Opportunity.

As far as I know, this is the most affordable among the many Payment services in the Philippines. Not only that, the company is a multi awarded franchise payment company.

By getting a franchise, you’ll get to offer to your customers an 8-in-1 revenue streams, thus maximizing your profit:

  • Domestic and International Remittances
  • Bills Payment
  • Prepaid Loads
  • Travel and Tours Ticketing
  • Courier Service
  • XP Marketplace Online Distribution
  • Personal Loans
  • Personal Accident Insurance
  • Postpaid Subscriptions: PLDT Home, Globe, etc.

Did you see the potential my friend?

Once you signed up as a franchisee, you and your staff will attend an intensive training on how to operate the system.

You will also be given a lot marketing materials and portfolio for your business, plus a full customer support and service.

When I saw this business model, my wife and I immediately signed for their FREE Business Opportunity Presentation. We like it so much that we put our own ExpressPay Center in Taytay, Rizal.

Are you interested for this business model too? Click here to read this review.


Compared to working in the Philippines, OFWs earn a relatively high income. There’s this ‘extra’ that they can use to invest in an asset that will grow in value over time.

Real Estate business is a good choice provided one will learn the ins and outs of the business. To build a profitable business, one has to study first everything.

Real Estate business is no exception and probably more time should be devoted to it as it involves a lot of investment as compare to the other three above.

I highly suggest that you choose a company whose vision is just not to build here and there as if there’s no tomorrow, but choose one that really has the investor’s interest in mind.

For example, what are the future development in that area? Will the property grow in value over time because of the development?

What’s the track record of the company you are going to be part of? Do they have the integrity? Do they have several awards that show that they are excellent in providing service to their investors and customers.

The population of our country is growing. With the growth comes the demand for houses, condo units, etc. where people has to live.

Take this as a cue and you will know that one can really hit it big in being in a real estate business provided one has the know-how.



The 4 recommended businesses I give here can make one wealthy over time. But one must study first before engaging in any of the above.

Then comes the dedication and commitment to make the business work. Rome was not built in a day as they say.

The idea here is for you, my OFW friend, to have a workable plan, a business models that you can start right now while you are earning abroad.

The end goal would be is for you to come home where you enjoy having a full income business in the company of your loved ones.

There’s no place like home.

If you have some questions or concerns about this post, drop me a comment a below. I’ll be happy to answer you.

Your friend,