MILLIONAIRE LENS PROMPT

“Teach me how to view choices through a wealth-building mindset.”

🔑 1. Shift from Spending to Investing

 Normal mindset: “This costs ₱1,000. Can I afford it?”
 Wealth mindset: “If I spend ₱1,000 here, what return will I get? Will it grow
me, my skills, my income, or my assets?”
💡 Example: Buying a new gadget just for fun = expense.
Taking a short online course that could raise your earning ability = investment.

🔑 2. Ask “Does this create Assets or Liabilities?”

 Asset: Puts money in your pocket (investments, business, rental unit).
 Liability: Takes money out (debts, wants, lifestyle inflation).
💡 Example: A car can be a liability (gas, maintenance). But if you use it for Grab or
deliveries, it becomes an asset.

🔑 3. Think Long-Term, Not Just Short-Term

Wealth builders ask: “How will this choice look in 5, 10, or 20 years?”
💡 Example: Eating out daily may seem small today, but over years, those savings
could have compounded in investments.

🔑 4. Value Time More Than Money

 Normal mindset: “This is cheaper, I’ll do it myself.”
 Wealth mindset: “If I pay someone to do this, I free up my time to earn or
grow more.”
💡 Rich people protect their time fiercely because time = opportunity to build.

🔑 5. Choose Growth Over Comfort

A wealth-building mindset often says:
 “Is this choice pushing me to grow skills, connections, or opportunities?”
 If yes → worth it.
 If no → it may just be comfort, not growth.

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💡 Example: Attending a seminar or networking event (even if uncomfortable) could
open big doors later.

🔑 6. Practice Delayed Gratification

Ask: “Would Future Me thank me for this?”
💡 Example: Instead of buying the latest phone now, invest the money → later your
investments buy the phone and still earn more for you.

🔑 7. See Opportunities, Not Just Obstacles

When facing choices, wealth-builders don’t just see costs—they look for angles to
create value.
💡 Example: Instead of saying, “That’s too expensive to start,” they think, “How can I
partner, borrow, or start smaller to make this possible?”

✨ So, in summary:
When facing a choice, train your mind to ask—
✅ Will this create or grow assets?
✅ Will it pay me back long-term?
✅ Does it grow my time, skills, or network?
✅ Would Future Me be grateful for this?

INCOME STREAM EXPLAINER

“Explain the difference between earned, leveraged, and passive income- and how to
build it all 3.”

1️⃣ Earned Income (Active Income)

👉 Definition: Money you make by working for it directly.
 Example: Salary as a teacher, freelance gigs, tutoring, commissions.
 You trade time and skills for money. If you stop working → income stops.
🔑 How to Build It Well
 Develop high-income skills (teaching, writing, coding, sales, public speaking,
tutoring).
 Look for ways to increase your rate per hour (promotion, side hustles,
consulting).

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  Use earned income as the foundation—this funds the other two types.

2️⃣ Leveraged Income (Scaling Effort)

👉 Definition: Money you earn when your effort is multiplied by systems, people,
or technology.
 You still do some work, but you’re not limited by your time alone.
 Example:
o Teachers creating online courses (students keep buying it).
o A small business with employees working for you.
o Network marketing, where your team’s sales also benefit you.
o Selling digital products (eBooks, lesson plans, apps).
🔑 How to Build It Well
 Document once, earn many times (write a book, record lessons).
 Delegate or outsource tasks so others’ time creates money for you.
 Use technology (YouTube, apps, Shopify, FB Ads) to scale without needing
you 24/7.

3️⃣ Passive Income (Money Working for You)

👉 Definition: Money that comes in with little to no active effort once set up.
 Example:
o Dividends from stocks.
o Rental income from property.
o Royalties from books or music.
o Investments in businesses where you’re not active.
🔑 How to Build It Well
 Invest in stocks, bonds, mutual funds, or REITs.
 Buy or build rental properties.
 Build intellectual property (copyrights, royalties).
 Put money in compounding investments so your money grows without you
working.

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🚀 The Wealth Formula (How to Build All 3)
1. Start with Earned Income
o Use your job/skills to generate strong, steady cash flow.
o Live below your means so you have savings to invest.
2. Move into Leveraged Income
o Package your knowledge (lesson plans, tutorials, workshops).
o Build systems (business, online store, automated tutoring).
o This transitions you from “just trading time” to “scaling time.”
3. Invest for Passive Income
o Take profits from earned + leveraged income and invest.
o Prioritize long-term assets (stocks, rentals, royalties).
o Goal = your passive income eventually covers your living expenses.

🎯 Big Picture
 Earned = Your time works for money.
 Leveraged = Other people’s time or systems work with you.
 Passive = Your money and assets work for you.
👉 The wealthy don’t rely on just one—they stack all three until passive income gives
them freedom.

OPPORTUNITY FILTER
“What checklist do successful people use to judge whether an opportunity is worth
it?”

✅ Opportunity Evaluation Checklist

1. Alignment with Goals
 Does this move me closer to my long-term vision?
 Or is it just a shiny distraction?
💡 Successful people only say “yes” if it fits their bigger plan.

2. Return on Investment (ROI)

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  If I invest time, money, or effort—what do I get back?
 Is the potential gain greater than the cost?
 Does it multiply (skills, income, connections)?

3. Time Requirement
 How much time will it demand?
 Does the opportunity free up more of my time in the future—or chain me
down?
 Wealth builders value leverage, not just busyness.

4. Scalability
 Can this grow beyond my personal effort?
 Can it scale with systems, people, or technology?
 Or will I be stuck trading time for money forever?

5. Risk vs. Reward

 What’s the worst-case scenario? Can I handle it?
 What’s the best-case? Is it worth aiming for?
 Do I have a backup plan if it fails?

6. Values & Integrity Check

 Does this align with my principles and reputation?
 Would I be proud if my family/friends saw me doing this?
 If it compromises integrity → it’s not worth it.

7. Learning & Growth

 Will this opportunity teach me something new?
 Does it expand my skills, network, or mindset?
 Even if it fails, will I still grow?

8. Energy & Passion

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  Do I feel excited about it—or drained just thinking of it?
 Passion isn’t everything, but if the opportunity gives energy, it’s easier to
sustain long-term.

9. Leverage Potential
 Does this open doors to other bigger opportunities?
 Will it connect me with the right people or platforms?
 Can it be a stepping stone toward freedom?

10. Future Me Test

 Will Future Me thank me for this?
 Or will I regret wasting resources here?

✨ Summary Rule Successful People Use:

If an opportunity ✔️aligns with goals, ✔️has good ROI, ✔️scales, and ✔️builds long-
term value (while not violating values)—they go for it.
If it fails any of these key filters → they confidently say NO.

DAILY WEATLTH ROUTINE

“Design a morning routine based on the financial habits of millionaires.”

🌅 Morning Routine Based on Millionaire Financial Habits

1️⃣ Wake Up Early (5–6 AM)
 Millionaires value time as the ultimate currency.
 Early wake-ups give them a head start before the world wakes.

2️⃣ Mindset & Gratitude (5–10 mins)

 Write 3 things you’re grateful for (health, family, opportunities).
 Why? Gratitude trains you to see abundance, not scarcity → fuels wealth-
building decisions.

3️⃣ Physical Movement (20–30 mins)

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  Exercise, stretch, or walk.
 Wealthy people treat their body as an asset—health = energy to earn and
enjoy wealth.

4️⃣ Financial Check-In (5–10 mins)

 Quick review of:
o Yesterday’s spending vs. budget.
o Savings/investment contributions.
o Any upcoming payments.
 Millionaires don’t ignore money—they track and measure it daily.

5️⃣ Learning & Growth (20–30 mins)

 Read books, listen to podcasts, or study market/industry trends.
 Many millionaires spend 30–60 minutes daily learning about money,
business, and leadership.
 Builds financial intelligence (compounds like money does).

6️⃣ Goal Review & Planning (10–15 mins)

 Write down top 3 priorities for the day.
 Revisit long-term financial goals (e.g., “Financial freedom by 40,” “Buy second
rental property”).
 Millionaires align daily tasks with wealth goals.

7️⃣ Deep Work Session (60–90 mins)

 Before checking emails or social media, work on your highest-value task
(business idea, side hustle, content creation).
 Millionaires protect their prime mental energy for wealth-creating activities.

8️⃣ Networking & Relationships (Optional, 5 mins)

 Send a message of appreciation to a mentor, colleague, or partner.
 Building wealth isn’t just money—it’s also about connections and goodwill.

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🕒 Sample Schedule
 5:30 AM – Wake up, gratitude
 5:45 AM – Exercise
 6:15 AM – Financial check-in
 6:30 AM – Read/learn
 7:00 AM – Review goals + set priorities
 7:15–8:30 AM – Deep work session
 8:30 AM – Family time / breakfast / prep for teaching or work

✅ Key Takeaway:
Millionaires don’t start mornings in “reactive mode” (scrolling phone, rushing). They
start with clarity, health, money awareness, learning, and focused action—all
tied to their financial vision.

INVESTING FOR BEGINNIERS

“Teach me investing basics like you would a 12-year-old.”

🪙 Investing Basics (Explained Like You’re 12)

1️⃣ What is Investing?
 Investing is when you use your money to buy something today that has a
good chance of being worth more in the future.
 Instead of just spending money (like buying snacks that are gone tomorrow),
you plant it like a seed so it grows into a money tree. 🌳💰

2️⃣ The 3 Main Types of “Money Seeds” 🌱

1. Stocks – tiny pieces of a company.
o If the company grows, your piece gets more valuable.
o Example: Owning a “slice” of Jollibee. If Jollibee makes more money,
your slice is worth more too.
2. Bonds – lending money to companies or the government.
o They promise to pay you back with extra (interest).
o Example: You lend ₱100 to the government, they give you back ₱105
later.

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 3. Real Estate – owning land or buildings.
o People pay you rent, or the property itself becomes worth more.
o Example: Buying a house and renting it out.

3️⃣ The Magic of Compound Interest 🪄

 Imagine you put ₱100 in an investment that grows 10% per year.
 End of Year 1 = ₱110.
 End of Year 2 = ₱121 (you earned interest on the ₱110, not just the ₱100).
 Over time, money grows like a snowball rolling down a hill—bigger and
faster.

4️⃣ Golden Rules of Investing

 Start early: The earlier you plant your seeds, the bigger your tree.
 Don’t put all your eggs in one basket: Spread your money in different
places (stocks, bonds, property).
 Think long-term: Good investments take years to grow—don’t panic if the
value goes up and down.
 Invest in what you understand: Don’t buy something you can’t explain
simply.

5️⃣ How to Begin (Even Small)

 Save part of your allowance/income first.
 Try simple investments like:
o Index funds (a basket of top companies).
o REITs (real estate funds you can buy like stocks).
o Government bonds (very safe).

🎯 Summary
👉 Investing = planting money seeds.
👉 Stocks, bonds, and real estate = your garden.
👉 Compound interest = fertilizer that makes your garden grow.
👉 Rule = start early, be patient, diversify, and keep learning

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MONEY MINDSET UPGRADE
“Help me go from ‘I need money’ to ‘I create wealth’ with affirmations and action
steps.”

🔑 Part 1: Affirmations for Wealth Creation

These aren’t magic words—they’re mental programming that shapes how you see
and act. Say them daily (preferably in the morning).
Affirmations:
1. 💡 “I am a creator of value, and wealth flows to me through service and ideas.”
2. 💡 “Money is a tool I use to build freedom and impact.”
3. 💡 “I see opportunities everywhere and take wise action.”
4. 💡 “Every peso I receive, I multiply with purpose.”
5. 💡 “I choose to grow assets, not just expenses.”
6. 💡 “I control money, money does not control me.”
7. 💡 “I invest in myself, my skills, and my future.”

🔑 Part 2: Action Steps to Shift from Needing → Creating

Step 1. Track & Respect Money
 Write down income and expenses for at least 30 days.
 This builds awareness—millionaires know where every peso goes.

Step 2. Build Skills That Pay

 Instead of asking “How do I get money?” ask:
👉 “What skills can I grow that people will pay me for?”
 Teaching, tutoring, writing, content creation, sales, etc.

Step 3. Create Multiple Income Streams

 Earned: Salary, side hustle.
 Leveraged: Online courses, eBooks, digital products.
 Passive: Investments, rental, dividends.
 Goal: Don’t rely on just one stream.

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Step 4. Invest Consistently
 Even small amounts (₱500–₱1,000/month) in index funds, REITs, or
government bonds.
 Principle: “I pay myself first”—before spending, set aside for investing.

Step 5. Network & Add Value

 Opportunities come from people.
 Serve, teach, collaborate—when you help others, wealth circles back.

Step 6. Mindset Practice

 Whenever you catch yourself saying “I need money,” replace it with:
👉 “I create wealth by creating value.”
 That mental pivot changes how you act.

✨ Formula:
 Affirmations → Rewire thinking.
 Action steps → Build habits.
 Consistency → Long-term wealth.

WEALTH VISION PROMPT

“Ask me 10 deep questions that help me define my personal version of success.”

🔎 10 Deep Questions for Your Personal Success Blueprint

1. Values First: What values (faith, family, freedom, growth, service, legacy,
etc.) do I want my success to be built on?
2. Future Vision: If I woke up 10 years from now living my best life, what does a
normal day look like?
3. Impact: Who do I want my success to positively affect besides myself (family,
students, community, future generations)?
4. Freedom: What kind of freedom do I want most—time freedom, financial
freedom, creative freedom, or all of them?

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 5. Wealth Meaning: Beyond money, what does “wealth” mean to me (peace of
mind, opportunities, health, experiences, influence)?
6. Trade-offs: What am I not willing to sacrifice for success (family time,
integrity, health, spiritual life)?
7. Fulfillment: Which activities make me feel most alive, proud, and fulfilled—
regardless of pay?
8. Legacy: What do I want people (especially my son Pablo Uno) to remember
me for when I’m gone?
9. Measurement: How will I know I’m successful—what tangible and intangible
“signals” will show me I’m on track?
10. Now vs. Later: If I could achieve one part of my definition of success this
year, what would it be—and what small step can I take today?

✨ These questions are like a mirror for your life design. Your answers become
your North Star—a personal definition of success that feels deeply yours, not
borrowed.
END

💡 20 Powerful Prompts for Wealth, Productivity & Success

1. “Design a 30-day challenge that will improve my financial discipline.”
2. “Explain 10 ways to turn my existing skills into new income streams.”
3. “What are the daily habits of the world’s most productive people, and
how can I copy them?”
4. “Give me a simple system to manage my money like a millionaire on a
teacher’s salary.”
5. “How do I create multiple streams of income without burning out?”
6. “List 15 small daily actions that compound into wealth over time.”
7. “What morning routine would make me unstoppable in 2025?”
8. “Teach me how to think about time the way billionaires do.”
9. “If I only had 2 hours a day to build a side hustle, what’s the smartest
way to use it?”
10. “Create a one-page playbook for shifting from scarcity thinking to
abundance thinking.”

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11. “What simple investments should a beginner in the Philippines start
with?”
12. “Explain how to network effectively even if I’m introverted.”
13. “Design a weekly reflection template successful people use to stay
focused.”
14. “What are the top 10 money mistakes to avoid in my 30s and 40s?”
15. “How do I build systems that make money for me even while I sleep?”
16. “Give me affirmations that reprogram my mind for wealth and
discipline.”
17. “What’s the best way to turn a ₱10,000 savings into long-term wealth?”
18. “Teach me negotiation skills that instantly increase my income
opportunities.”
19. “If I want to leave a legacy, what steps should I start taking now?”
20. “Design a productivity system that balances work, family, and wealth
creation.”

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