On Tipping Points, Change, and Financial Freedom

Updated: September 18, 2021

I was at Powerbooks yesterday. I arrived early for a meetup, so I decided to pass the time inside the bookstore.

One of the books that caught my attention was “The Tipping Point: How Little Things Can Make a Big Difference” by Malcolm Gladwell.

Are you familiar with this book?

The Tipping Point is basically about change and social epidemics.

It tries to give us a “new way of understanding why change so often happens as quickly and as unexpectedly as it does”.

It likewise presents thoughts and ideas that show how big things can come from small and unnoticeable causes. The book is quite interesting, I must say.


I browsed through the pages of the book, and it made me think about the phrase tipping point.

Because I’m an engineer, I imagined a cylinder laid down on a horizontal plank. Slowly, a force raised one end of the board.

This continues until the maximum angle for impending motion is reached, and gravity takes over and causing the cylinder to roll.

Can you think of other ways to physically describe a tipping point?

However you describe it and whatever you might call it – the moment of critical mass, threshold value, the boiling point, etc. We must grasp not only the concept of tipping points but we also learn how this idea applies to our life.

Life in Routine

Not so long ago, I was your typical corporate slave. I was a young urban professional walking the streets of Ortigas every day and working hard for the money.

Back then, I believed that the only way for me to become rich and financially secure is to constantly get promoted at work. To climb up the corporate ladder and receive higher salaries.

For several years, my life was a routine – sleep, eat, work on weekdays, and party hard until the next morning on weekends.

I thought I was living “the life”. But I was wrong because more often than not, I felt empty and without direction.

I asked myself, “What’s wrong?”

The question lingered inside my head. However, I was too busy “living my life” to really think about the answer.

Tipping Point

Unexpectedly, the answer to my question came one afternoon during a conversation with a friend. It was a moment I would always remember because it was when I was pushed over my financial tipping point.

I was hanging out and having coffee with him when I mentioned that I wanted to quit my job and work for another company. I told him that my prospective position pays better than my current one.

Surprisingly, he showed little enthusiasm for my plan. Instead, he told me something that changed my life forever.

In the next few minutes, he talked to me about investing and the concept of passive income.

I went home that day thinking about everything my friend said. I assessed my life and realized that it’s been lacking a concrete financial plan.

Sure, I can hop from one company to another and get better and bigger salaries. But in the end, nothing will really change. I’m still a corporate slave daydreaming of the things he wants inside his cubicle.

That night, before I went to sleep, I resolved to learn more and do more for my finances. And since that day until now, I have never stopped.

What about you? Did you experience such financial tipping points? Can you recall an exact moment in your life when you realized that you seriously need to start paying attention and planning your financial future?

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Photo credit: jgarber


  1. Hi Fitz, my tipping point came when I attended a financial management seminar in August. Since then I’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. πŸ™‚

  2. @TWC and Ambo
    Thanks for taking inspiration from my story. πŸ™‚

    Good luck on your journey and thanks for sharing your financial tipping point. πŸ˜€

  3. 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.

  4. @rose
    Thanks for the invitation, I’ll try to free some time and contact you soon.

    It’s really a good book. You should read it. πŸ˜€

  5. 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. πŸ™‚

  6. Hi CrackingDays, I’m glad you found my story inspiring. My businesses are computer and information technology related. πŸ™‚

  7. hi fitz,

    medyo late ko na nabasa ‘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

  8. For years I’ve had this conservative approach to money – and that’s to put money in a debit savings account. When I got to college I opened an ATM savings but since it’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’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 πŸ™‚

  9. It came the time when i read Sir Robert Kiyosaki Rich Dad Poor Dad book that’s my tipping point sir FRITZ:-)…

  10. My tipping point came after i read clason’s book the richest man in babylon…..then i found your blogs sir fitz….thank you so much

  11. I have the book. Been a Gladwell fan since I came across his articles in the New Yorker.
    Trips to the bookstore led me to the tipping point. One book was Colayco’s book on personal finance.
    Then I came across your articles about the snowball effect to pay off debt and another article that discussed mutual funds.
    And since then, I resolved to get on the road to earning passive income. Still intent on learning more about managing finances each day.
    But as they say, taking that first step makes all the difference. Keep inspiring and educating people, Sir. Thank you!

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