The 80 Percent Podcast: Show Notes for Episodes 1, 2, and 3

Updated: November 25, 2021

Why Is It Called The 80 Percent? (Episode 1)

Listen to Episode 1:

Summary of Episode 1:

The title of the podcast comes from a famous quote by Dave Ramsey. He claims, “Winning at money is 80 percent behavior and 20 percent head knowledge.” (0:40)

The show will focus on how to learn financial discipline, what is the right attitude when it comes to money, and practical strategies to build and grow our wealth. (2:15)

When we want to save money, we try to lessen our spending. But this doesn’t always work because the act of saving becomes a negative experience when we do this. (4:40)

Following the saving formula is a great way to save money painlessly. The formula is: Income – Savings = Expenses (6:55)

Paying yourself first makes saving money automatic, less painful or even painless, and it’s easier to eventually make it habit. (11:50)

Save whatever amount is comfortable. (12:40)

Episode 1 Hashtags: #The80Percent


Save Money With Mini Habits (Episode 2)

Listen to Episode 2:

Summary of Episode 2:

The #PisoChallenge is a strategy that will help you learn the habit of saving. There are only two steps to doing this: Step 1, get a piggy bank. And Step 2, save 1 peso everyday for 90 days. (0:55)

The strategy is based on a book by Stephen Guise, “Mini Habits: Smaller Habits, Bigger Results.” (3:35)

A study published in the European Journal of Social Psychology by health psychology researcher, Phillippa Lally figured out that on average, it takes about 66 days before a new behavior becomes automatic. (4:35)

Setting aside 1 peso everyday is a very small positive behavior, but it actually allows you to build on that momentum. (6:35)

Episode 2 Hashtags: #The80Percent #PisoChallenge


A Baby Step is Still a Step Forward (Episode 3)

Listen to Episode 3:

Summary of Episode 3:

I shared my love for the mobile game, Clash Royale. (0:30)

Improvement doesn’t happen overnight. It is a process and you need to be persistent. (5:00)

Don’t quit. Commit and be persistent amidst the obstacles and setbacks. Just continue and move forward. Eventually you will progress. (10:20)

“Progress is more important than perfection.” –Simon Sinek (10:50)

Try to save money, even if it’s just a small amount. (11:40)

Strive for progress and accept that things will never be perfect. Remember that, “Pwede na” is better than “Next time na lang.” (12:40)

What’s important is that you’re trying. You are taking those baby steps. A baby step is still a step forward. It is still a sign of progress. You are becoming better. (16:00)

Episode 3 Hashtags: #The80Percent #FocusOnProgress

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