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	<title>Comments on: On Tipping Points, Change and Financial Freedom</title>
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	<link>http://fitzvillafuerte.com/on-tipping-points-change-and-financial-freedom.html</link>
	<description>Business, Investments and Personal Finance</description>
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		<title>By: Cat</title>
		<link>http://fitzvillafuerte.com/on-tipping-points-change-and-financial-freedom.html#comment-80875</link>
		<dc:creator>Cat</dc:creator>
		<pubDate>Sun, 04 Mar 2012 16:39:53 +0000</pubDate>
		<guid isPermaLink="false">http://fitzvillafuerte.com/?p=789#comment-80875</guid>
		<description>For years I&#039;ve had this conservative approach to money - and that&#039;s to put money in a debit savings account. When I got to college I opened an ATM savings but since it&#039;s easily accessible, I would withdraw from it time to time. Eventually when I graduated I had no money saved. Then when I got my first job I opened another ATM savings but led to another failure since I would just use this as mode of payment for trivial wants. Determined to really save the second time around, I opened a passbook account. A year later and it proved to work better for me since I don&#039;t have the concept of easily accessible cash 24/7 and indeed I was able to save.

My financial tipping point happened just a month ago when my boyfriend asked me what I have gotten a year after putting money in a bank, pointed out how small the returns are and he introduced me to the concept of passive income, investments, being financially free etc. It radically changed the way I was taught about money. It changed the way I saw my finances.

Then I started reading financial books and learning definitions online, which eventually led me to your website :)</description>
		<content:encoded><![CDATA[<p>For years I&#8217;ve had this conservative approach to money &#8211; and that&#8217;s to put money in a debit savings account. When I got to college I opened an ATM savings but since it&#8217;s easily accessible, I would withdraw from it time to time. Eventually when I graduated I had no money saved. Then when I got my first job I opened another ATM savings but led to another failure since I would just use this as mode of payment for trivial wants. Determined to really save the second time around, I opened a passbook account. A year later and it proved to work better for me since I don&#8217;t have the concept of easily accessible cash 24/7 and indeed I was able to save.</p>
<p>My financial tipping point happened just a month ago when my boyfriend asked me what I have gotten a year after putting money in a bank, pointed out how small the returns are and he introduced me to the concept of passive income, investments, being financially free etc. It radically changed the way I was taught about money. It changed the way I saw my finances.</p>
<p>Then I started reading financial books and learning definitions online, which eventually led me to your website <img src='http://fitzvillafuerte.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
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	<item>
		<title>By: rose</title>
		<link>http://fitzvillafuerte.com/on-tipping-points-change-and-financial-freedom.html#comment-3225</link>
		<dc:creator>rose</dc:creator>
		<pubDate>Fri, 09 Apr 2010 01:35:13 +0000</pubDate>
		<guid isPermaLink="false">http://fitzvillafuerte.com/?p=789#comment-3225</guid>
		<description>hi fitz,

medyo late ko na nabasa &#039;to. but very timely kasi i also resigned and now planning to start my own business. its gets scary at times but im inspired by what you did. wish me luck</description>
		<content:encoded><![CDATA[<p>hi fitz,</p>
<p>medyo late ko na nabasa &#8216;to. but very timely kasi i also resigned and now planning to start my own business. its gets scary at times but im inspired by what you did. wish me luck</p>
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	</item>
	<item>
		<title>By: Fitz</title>
		<link>http://fitzvillafuerte.com/on-tipping-points-change-and-financial-freedom.html#comment-3224</link>
		<dc:creator>Fitz</dc:creator>
		<pubDate>Wed, 08 Oct 2008 07:53:37 +0000</pubDate>
		<guid isPermaLink="false">http://fitzvillafuerte.com/?p=789#comment-3224</guid>
		<description>Hi CrackingDays, I&#039;m glad you found my story inspiring. My businesses are computer and information technology related. :)</description>
		<content:encoded><![CDATA[<p>Hi CrackingDays, I&#8217;m glad you found my story inspiring. My businesses are computer and information technology related. <img src='http://fitzvillafuerte.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
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	<item>
		<title>By: CrackingDays.com</title>
		<link>http://fitzvillafuerte.com/on-tipping-points-change-and-financial-freedom.html#comment-3223</link>
		<dc:creator>CrackingDays.com</dc:creator>
		<pubDate>Wed, 08 Oct 2008 04:33:39 +0000</pubDate>
		<guid isPermaLink="false">http://fitzvillafuerte.com/?p=789#comment-3223</guid>
		<description>Hello Fitz,

What type of business do you do? I am really inspired by what you shared here and I would like to know about your techniques. :)</description>
		<content:encoded><![CDATA[<p>Hello Fitz,</p>
<p>What type of business do you do? I am really inspired by what you shared here and I would like to know about your techniques. <img src='http://fitzvillafuerte.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
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	</item>
	<item>
		<title>By: Fitz</title>
		<link>http://fitzvillafuerte.com/on-tipping-points-change-and-financial-freedom.html#comment-3222</link>
		<dc:creator>Fitz</dc:creator>
		<pubDate>Sat, 04 Oct 2008 09:51:14 +0000</pubDate>
		<guid isPermaLink="false">http://fitzvillafuerte.com/?p=789#comment-3222</guid>
		<description>@rose
Thanks for the invitation, I&#039;ll try to free some time and contact you soon.

@Yvon
It&#039;s really a good book. You should read it. :D</description>
		<content:encoded><![CDATA[<p>@rose<br />
Thanks for the invitation, I&#8217;ll try to free some time and contact you soon.</p>
<p>@Yvon<br />
It&#8217;s really a good book. You should read it. <img src='http://fitzvillafuerte.com/wp-includes/images/smilies/icon_biggrin.gif' alt=':D' class='wp-smiley' /> </p>
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	<item>
		<title>By: Yvon Thea</title>
		<link>http://fitzvillafuerte.com/on-tipping-points-change-and-financial-freedom.html#comment-3221</link>
		<dc:creator>Yvon Thea</dc:creator>
		<pubDate>Sat, 04 Oct 2008 07:36:54 +0000</pubDate>
		<guid isPermaLink="false">http://fitzvillafuerte.com/?p=789#comment-3221</guid>
		<description>I have the book pero hindi ko pa tapos mabasa.  It has been with me for about 4 years na.</description>
		<content:encoded><![CDATA[<p>I have the book pero hindi ko pa tapos mabasa.  It has been with me for about 4 years na.</p>
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	</item>
	<item>
		<title>By: rose</title>
		<link>http://fitzvillafuerte.com/on-tipping-points-change-and-financial-freedom.html#comment-3220</link>
		<dc:creator>rose</dc:creator>
		<pubDate>Sat, 04 Oct 2008 04:09:02 +0000</pubDate>
		<guid isPermaLink="false">http://fitzvillafuerte.com/?p=789#comment-3220</guid>
		<description>hi fitz,
i have been following your blogs,  do you give inspirational talks,
how about joining our EB in Makati last week of October,  we are a support group for credit card collection victims of harrassment.  for further details. please email me.</description>
		<content:encoded><![CDATA[<p>hi fitz,<br />
i have been following your blogs,  do you give inspirational talks,<br />
how about joining our EB in Makati last week of October,  we are a support group for credit card collection victims of harrassment.  for further details. please email me.</p>
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	</item>
	<item>
		<title>By: Fitz</title>
		<link>http://fitzvillafuerte.com/on-tipping-points-change-and-financial-freedom.html#comment-3219</link>
		<dc:creator>Fitz</dc:creator>
		<pubDate>Sat, 27 Sep 2008 12:40:30 +0000</pubDate>
		<guid isPermaLink="false">http://fitzvillafuerte.com/?p=789#comment-3219</guid>
		<description>@TWC and Ambo
Thanks for taking inspiration from my story. :)

@Mighty
Good luck on your journey and thanks for sharing your financial tipping point. :D</description>
		<content:encoded><![CDATA[<p>@TWC and Ambo<br />
Thanks for taking inspiration from my story. <img src='http://fitzvillafuerte.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
<p>@Mighty<br />
Good luck on your journey and thanks for sharing your financial tipping point. <img src='http://fitzvillafuerte.com/wp-includes/images/smilies/icon_biggrin.gif' alt=':D' class='wp-smiley' /> </p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Mighty</title>
		<link>http://fitzvillafuerte.com/on-tipping-points-change-and-financial-freedom.html#comment-3218</link>
		<dc:creator>Mighty</dc:creator>
		<pubDate>Thu, 25 Sep 2008 14:04:50 +0000</pubDate>
		<guid isPermaLink="false">http://fitzvillafuerte.com/?p=789#comment-3218</guid>
		<description>Hi Fitz, my tipping point came when I attended a financial management seminar in August. Since then I&#039;ve been monitoring my finances and how to find ways to cut expenses and increase my income. Kudos to your journey. Hope I could be in business too pretty soon. :)</description>
		<content:encoded><![CDATA[<p>Hi Fitz, my tipping point came when I attended a financial management seminar in August. Since then I&#8217;ve been monitoring my finances and how to find ways to cut expenses and increase my income. Kudos to your journey. Hope I could be in business too pretty soon. <img src='http://fitzvillafuerte.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
]]></content:encoded>
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	<item>
		<title>By: Ambo</title>
		<link>http://fitzvillafuerte.com/on-tipping-points-change-and-financial-freedom.html#comment-3217</link>
		<dc:creator>Ambo</dc:creator>
		<pubDate>Tue, 23 Sep 2008 23:24:19 +0000</pubDate>
		<guid isPermaLink="false">http://fitzvillafuerte.com/?p=789#comment-3217</guid>
		<description>Very inspiring story Brother. I remember my lolo Stephen Covey who gave the same advise =)</description>
		<content:encoded><![CDATA[<p>Very inspiring story Brother. I remember my lolo Stephen Covey who gave the same advise =)</p>
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