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ABOUT THIS BLUEPRINT
After almost four years of being broke, busted and disgusted, I decided
to take charge of my life and make a turnaround. That was June 10,
2015.

My goals then were to pay all my debts and become a millionaire

by having a million peso invested in Unit Investment Trust Fund by
December 2017.

This financial blueprint is a short summary of my research and

experience for that journey to recover financially; and then continue
the journey to my financial freedom. Becoming financially free is a
lifetime commitment that I set myself.

Doing the strategy outlined in this blueprint, I was able to get out of
my debts in one and half years, and achieved one million peso in my
UITF account in two years. In addition, my wife and I were able to build
an Emergency fund where a million peso from it was used for the down
payment of the apartment we are purchasing. And these were all done
at the same time.

I am sharing this to you so that you, too, can gather ideas that you
may use for your personal finance. This blueprint can be useful even if
you are just starting with your financial freedom journey. You don’t
need to become broke first before you can apply the strategy.

Let’s move forward…

THE GOAL OF THIS BLUEPRINT
Our goal is to win the money game. We have to control money, and not
money controls our lives. Let’s make money our slave, not our master.
If we work for the money, we are slaves of money. We have to make
money work harder for us, make money our slave. We become
financially free when the income from our money (investments and
passive business) can pay the lifestyle we choose.

Financial Freedom is not about the amount of money, but it’s more
about being able to provide our lifestyle. That’s the moment we won
the money game.

Once we achieve financial freedom, we can go for more gravy things if

we want to.

THE FOUR STEPS TO WEALTH

Learning is the first step to do anything. Here are the learning steps to
take in building wealth:

- Learn about you

- Learn to earn money
- Learn to save money
- Learn to grow your money

These topics are very broad, but we will only discuss what I used in the
process of my financial journey.
PART 1 – YOU FIRST!
“For where your treasure is, there your heart will be also.” – Proverbs
4:7

IT’S ALL ABOUT WHAT YOU THINK

This is the biggest task that you should be working with. It’s been said
that “You become what you think about” so it is highly recommended
that you will take a good look about yourself first - your philosophies
and mindset about life.

If you want to have a change in your life, you have to change. And the
first place to look at is what’s on your mind.

CHANGE YOUR MONEY MINDSET

“I have set before you, life and death, the blessing and the curse. So choose
life in order that you may live, you and your descendants.” –
Deuteronomy 30:19

Most people will tell you that money is evil. But the truth is that money
has no moral sense of being right or wrong. Life only comes to it by the
person who holds it and what to do with it.

Money is a tool that can change your life - it could be used for good or
for evil.
We are given choices – good or evil. Choose the good one as what God
asks us to choose. Use money to do more good things, to share more
good things, and enjoy more good things.

Be more! Don’t settle for less!

KNOWING WHERE YOU ARE AND WHERE YOU’RE GOING

“Suppose you want to build a tower. You would first sit down and figure
out what it costs. Then you would see if you have enough money to finish
it.” – Luke 14:28

Make an audit of how much your household is earning, and how much
your household is spending on a monthly basis (Personal Income &
Expense). Then make your budget. Managing your money allows you to
spend it all without feeling guilty. And you will learn here how to spend
all your money wisely.

ACQUIRE KNOWLEDGE

“The beginning of wisdom is this: Get wisdom. Though it cost all you
have, get understanding.” – Proverbs 4:7

Acquire wisdom no matter how much it costs. Most people don’t plan to
fail, but they fail to plan. The reason why they fail to plan is not
because of lack of knowledge. It is because most of us were fed with
the wrong information. Without wisdom, it limits us to make wise
decisions.
I started investing in stocks in 1995 and went broke in 2013. It’s not all
about stocks, but with wrong investments wanting to earn more
quickly. Even though you are in the right vehicle to get you where you
want to go if you don’t have the knowledge to drive that vehicle, you’ll
end up in the ditch. It took me too long to realize that the information
I’m following was not good enough to make me rich. I was turned
upside down before I awaken to the reality.

WINNING THE MONEY GAME USING THE “PINOY MILLIONAIRE

GAME PLAN”

“The wise have wealth and luxury, but fools spend whatever they get. –
Proverbs 21:20

There is a saying that “no matter how much you earn, if you don’t keep
anything, nothing will change in your life.”

This is why you need to devise a game plan, a formula how to allocate
your earnings.

I learned about the 70-10-10-10 formula from Jim Rohn. I made it 10-
10-10-70 so that it will correspond with my philosophy. I will call it
“The Pinoy Millionaire Game Plan.” Following this game plan, you are
managing the money that is coming to your household every month.

Managing and budgeting money promote and allow you to “spend all
your money” without feeling any guilt.

The idea is like having a team of many players. Your aim is to win the
game – the money game. As I said earlier, if you arrived at the point
where you can live on passive income (even without working), then
you’ve won the game.

But to win the game, in your team, each player should play their part.
Every cent should be spent according to its purpose.

Let’s discuss further the Pinoy Millionaire Game Plan (10-10-10-70).

THE FIRST TEN – GIVING AND SHARING

The first 10% of all my earnings is set aside to be spent for giving and
sharing. This amount will be set aside for serving my God – for my
offerings to give back a part of the blessings I received. God wants a
cheerful giver! A part of this allocation will go to charities as well.

In your team, this is the equalizer or the coach.

THE SECOND TEN: PASSIVE CAPITAL

The next 10% will be spent for building my financial freedom fund or
my money machine. This is the ball handler, the game orchestrator, the
offensive player who will make the score. To win the game, you have to
score.

This allocation is VERY IMPORTANT as this will be used to build my

wealth to win the money game.

This is an expense “NOW” to build the required lump sum that will
provide my family in the “FUTURE” an income from my investments.
Although the money is sitting in my investment (retirement fund), this
money is not mine right “NOW” but it will be mine in the “FUTURE”.
I am building a lump sum where the interest income alone should be
big enough to be able to support our lifestyle even without working
again if we choose to. This is the golden goose; and the golden goose
should not be killed and butchered. That golden goose will then be
passed on to our children and grandchildren as inheritance to change
my family’s destiny.

THE THIRD TEN: ACTIVE CAPITAL

The next 10% will be spent for my further education in specific

knowledge in my field of interest. Learning is the key to everything.

Also from this allocation, I will slowly pay off any debts and at the same
time, slowly build my Emergency Fund.

When the payment of debts and buildup of my Emergency Fund (3-6

months of expenses), I will then use this allocation to support my part
time passive business to generate more income.

THE FOURTH PART (70): LIFESTYLE

The remaining 70% will be spent to provide support for my family – the
rent or pay mortgage for a warm shelter, insurance coverage, the food
to eat, clothes to wear, for pleasure and enjoyment, etc.

Some part of this allocation (10% of your total income) will go to a long
term savings for spending intended for big ticket items like buying a
car, family vacation, sail a cruise, etc.

Following this game plan, your money will be well-spent up to the last
cent every month.
SET YOUR GOAL AND PURPOSE

“The plans of the diligent lead surely to abundance, but everyone who is
hasty comes only to poverty.” – Proverbs 21:5

Without a goal and purpose, you will go nowhere. You will simply drift
by where the wind blows you and take whatever life throws at you.

Set out your goals – retirement fund or your financial freedom fund,
your emergency fund, debts repayment, insurance and healthcare,
financial goals for buying a car, education, vacations, etc.

MAKE IT YOUR GOAL TO BECOME A MILLIONAIRE

“I have plans to prosper you, not to harm you. I have plans to give you a
future filled with hope.” – Jeremiah 29:11

Most of us Filipinos were able to earn more than a million pesos during
our lifetime. Unfortunately, we don’t have the knowledge how to handle
those millions that have come and pass through our hands. We earned
a lot of money but have nothing to show for it in our bank account. This
blueprint will change that situation.

Your FIRST FINANCIAL GOAL should be to become a PINOY

MILLIONAIRE! What I mean about becoming a millionaire is to have a
million peso in liquid asset in your savings and investments account.

FINANCIAL FREEDOM SHOULD BE ONE OF YOUR MAJOR GOAL

“A good person leaves an inheritance to his children’s children…” –

Proverbs 13:22
Once you become a millionaire, you have to take a bigger step. And
this should be major - your FINAL FINANCIAL GOAL should be to
gain your FINANCIAL FREEDOM!

Achieving your FINANCIAL FREEDOM should be your prime goal and

commitment. As I said, and I will say it again, financially free is when
you are in a phase where your passive income will be able to pay the
lifestyle of your choice, even without working. Your sources of passive
income should be your passive investment income and passive business
income.

I say again, wealth is not only about money. There are other things
more important than money. Having Financial Freedom will allow you to
concentrate on things that are more important than money.

Your RETIREMENT FUND is your obligation to prepare. Don’t make your

children as your retirement fund. Retirement period is the moment
when you decide to stop working, or forced to stop working due to
illness or disabilities, or reached the retirement age and you were
kicked out of the work force. At this point, your passive income will be
the source of income to support your lifestyle. It is now your money
working for you.

Now that you were able to solve your money problem, you can now
solve your other problems with style.
PART 2 - LEARN TO EARN
“By the sweat of your brow, you will produce food to eat until your
return to the ground…” – Genesis 3:19

Earning income is everyone’s obligation to provide himself and his

family their needs to live modestly. From the income received monthly,
you can start building your wealth to set you free.

EARN FROM A JOB

You must learn how to earn income by trading time for money; that is
by working on a job to build other people’s dream. While working on
your job, learn from it. Your boss is building his dream, so can get
some insights what he is doing that might be helpful to build your own
dream as well.

EARN INCOME BY PROVIDING SERVICES

Earn income trading your knowledge by providing your service(s). With
the power of internet, more and more people are offering freelance jobs
online.

EARN INCOME BY DOING SMALL BUSINESS

Earn income by starting a small business like opening a store, taxi,
Uber, cleaning offices, selling on Ebay or Amazon, etc. If you are
working on a full time job, you can use these as your part time source
of income.
INCREASE YOUR INCOME DOING PASSIVE BUSINESS
Make a way to increase your income by adding more value to yourself,
and by doing part time marketing business.

I used to clean yachts, office cleaning, mowing lawns and home repairs
to earn extra income. But these are not passive, these are jobs. Right
now, I am building a source of passive income doing part time business
in Internet Marketing to market my own products.

PART 3 - LEARN TO SAVE FOR SPENDING

“On the first day of each week, you should each put aside a portion of the
money you earned.” – 1Corinthians 16:2

One of the effective ways to save is to follow the Millionaire Game Plan
discussed earlier. Adjust the allocation to fit your current lifestyle if
necessary. If you can’t do the 10-10-10-70 allocation, you can make it
1-1-1-97. It’s not the amount that counts; it’s the habit you are
forming that will make the difference. And since you are not putting
your focus and attention to manage your money, more money will
come to you to manage.

Know this, if you can’t manage a single peso, you can’t manage a
bigger amount. That’s the Universal Law, you can’t break it. This is the
reason why we hear the phrase, “The rich get richer while the poor get
poorer.” You have to be worthy to manage small amount first, before
you will be worthy to manage bigger amount.
THE ART OF GIVING

“Bring one-tenth of your income into the storehouse so that there may be
food in my house. Test me in the way, says the LORD. See if I won’t
open the windows of heaven for you and flood you with the blessings.” –
Malachi 3:10

The verse above is the principle that caught my attention to set the
first 10th of the Millionaire Game Plan as the top priority. I take this
amount out first every time I receive any income.

You may say that it’s not anymore the era about giving tithes or the
tenth of all your income, but it’s a good place to start to practice with
my giving and sharing.

THE ART OF LIVING WELL

“A godly life brings huge profits to people who are content with what
they have.” – 1Timothy 6:6

The 70th part (Lifestyle) of the Millionaire Game Plan should be allotted
to support your lifestyle. All your expenses will be covered by this
allocation.

Reminder: It’s not the amount of money you manage that counts; it’s
the habit of managing your money is more important. Do not save and
invest too much that you deny yourself with leisure and other aspects
of your life. The fruits of your labor are only important if you have your
life to enjoy it. The journey is much more important than the
destination. Arriving at the finish line (your goal) is only the crowning
moment of all your efforts.

The most important is “today”, that is why it is called “present”. It’s a

gift, and it should be cherished. You have to enjoy life while on the way
to your financial freedom. Be content with what you have and enjoy the
fruit of our labors.

Nothing better than how Apostle Paul said about contentment – the art
of living well: “I have learned to be content whatever the circumstance.
I have experienced times of need and times of abundance. In any and
every circumstance I have learned the secret of contentment, whether I
go satisfied or hungry, have plenty or nothing. I can do everything
through Christ…” – Philippians 4:11-13

LIVE BELOW YOUR MEANS

Simplify your lifestyle to live below your means. Simplifying your

lifestyle will drastically reduce the amount you need to support your
lifestyle.

You have to make sure that your income should be bigger than your
expenses. Buy the things that are in your “NEEDS”. The “WANTS”
where you can live without should be minimized or totally avoided
temporarily while you are still in the accumulation phase in building
your financial assets.

PROTECT YOURSELF AND YOUR FAMILY

Insurance and health care are expenses. These are very important to
have them as a part of your defensive game. I have to protect me and
my wife as the main sources of our household income with proper
insurance and health care coverage.

We all know we are going to die; we just don’t know when. We all know
that we are going to grow old, but we just don’t know how long we live.
We have to prepare for what is coming – die too soon or live too long.

DIE TOO SOON

If you are the bread winner in your family and you die too soon, your
family should have a way to replace your income. This insurance
coverage should provide quick money for your family that they can use
to live out for few months until they are able to cope up with your
death. Some insurance covers you if you are disabled to a certain
degree.

Life insurance protection can help your family as a temporary

replacement of the lost income, pay for estate tax, and even pay debts.
“Let the dead bury their dead”, and you can fulfill that if you have your
proper insurance coverage.

LIVE TOO LONG

If you live too long, you will go more often to medical treatments. This
will be very costly and should NOT be taken from the wealth you are
building. You have to transfer the risk by taking a good coverage for
your health and long term healthcare.

For us who live in France which is a socialist country, the social security
pays most of the medicals and health care. Of course, this is not free.
It’s deducted from our salary every month. In addition, I have to get an
extra private health care to allow me to be covered 100% with all our
medical and health care expenses.

BUY YOUR OWN HOUSE

Peter Lynch in his book suggests that you buy your own house first
before you go investing your money in the stock market. This is
because in most cases, a house or a condominium will be a sure
money-maker.

You can acquire a house or an apartment for a down payment of less

than 20% of its total value. The interest on the loan and the amount
you spend for repairs are tax deductible.

Your rent or mortgage should come from the Lifestyle allocation of the
Millionaire Game Plan. If you are renting a house or apartment, the
money you paid for the rent is totally gone. But if you are paying for
your own house or condominium, you are actually investing your
money. Over time, the value of the property will increase. If you are
lucky enough, the price will double even before you paid out the total
cost of the house or apartment.

THE ACTIVE CAPITAL AT WORK

The third 10% (Active Capital) should be put into play at once to pay
out debt and building your Emergency Fund.

If you have debts, split the 10% allocation for both Emergency Fund
and debt repayment.
BE DEBT-FREE

“The borrower is a slave to the lender.” – Proverbs 22:7

The verse above is a good philosophy to follow - do not become a slave

of anybody by borrowing any money. The mortgage of your house is
the only exemption.

If you have debts, consolidate all into one package then negotiate to
pay every month the smallest amount possible. The idea is to slowly
pay off your debts. And while writing off your debts, you are also
accumulating cash for your emergency fund.

Once you get out of debt, stay away from getting into any debt trouble
again. Owe no one, period. Be FREE and never be a slave of any other
people ever again!

BUILD YOUR EMERGENCY FUND

Build your emergency fund (3-6 months of expenses) slowly. You will
be paying your debts (if you have any) and building your emergency
fund at the same time.

Emergency expenses will come. Keep your emergency fund in cash, or

in a bank account, or in a Money Market Fund. You must have a quick
access to it. You have to keep it readily available. Remember, ONLY
FOR EMERGENCY!
PART 4 – LEARN TO MAKE YOUR MONEY
GROW
“The man who had received five bags of gold brought the other five.
’Master, you entrusted me with five bags of gold. See, I have gained five
more.’

His master replied, ‘Well done, good and faithful servant! You have been
faithful with a few things; I will put you in charge of many things. Come
and share your master’s happiness!’” – Matthew 25:20 - 21

Money that you put to work, earns income for you. So let’s make our
money grow.

PUTTING YOUR MONEY TO WORK

“Wealth from get-rich-quick schemes quickly disappears; wealth from

hard work grows over time.” – Proverbs 13:11

The Passive Capital at work

The second 10th (Passive Capital) of the Millionaire Game Plan should
be put into play and work hard at once to make the score to win the
game.

I invest this allocation to Unit Investment Trust Funds (UITF) equities

invested in Index Funds (diversified portfolio of stocks).
As I am working full time on my job and doing part time business
during my free time, I prefer to invest passively by holding Unit
Investment Trust Fund (UITF) mirrored with PSE Index Funds (Index
Funds).

And since this is for building wealth for my retirement fund, I use the
Cost Average strategy, and the Buy & Hold strategy. Simply put, I will
buy additional investments with a certain amount in every month, then,
hold them. Setting up my account to make auto-investment every
month, I won’t be bothered to access my account to submit an order.
The system will do it every month for me.

BUILD YOUR PART TIME PASSIVE BUSINESS INCOME

Once you’ve paid off your debts and have 3-6 months of expenses in
your Emergency Fund, then you begin to allocate this part to build your
part time passive business for another source of passive income.

Building your part time passive business will allow you to transition
yourself from employed into an entrepreneur.

HOW TO WIN THE MONEY GAME

The only way to win the money game is to have many sources of
passive income enough to support your lifestyle.

The two sources of passive income that we should build are passive
investment income and passive business income.

Investment income will come from your investments like stocks, mutual
funds, UITS, bonds, money market and the like.
Passive business income will come from your business like apartment
rent, book royalties, internet marketing, parking lots and other
businesses that you were able to systemize to work even without you
working in it.

If you reach the point where your passive income can pay for your
lifestyle, even without you working, that is the time that you won the
money game. Your passive income will provide your financial needs.
Your money is working for you, not you working for it. You are now
living financially free!

FULFILL GOD’S PLAN FOR YOU

“I have plans to prosper you, not harm you. I have plans to give you
future filled with hope.” – Jeremiah 29:11

If we are in financial trouble, or not yet receiving the encompassing

blessings, God is giving us a wakeup call to check out His plans. God
wants us to receive His blessing and enjoy the abundance of His
goodness. He is inviting us to dine in His banquette.

There’s enough wealth for all of us, just claim what’s ours. Don’t fail
Him. Commit yourself to achieving your Financial Freedom and be the
manifestation of His power and blessings.
PAYING IT FORWARD

Thank you for reading this blueprint. It is not by chance that this
blueprint has reached you. You now have the ideas how to win the
money game, so it is now your turn to do the favor to help others:

 First, please go back to the download page and leave your comment
(https://goo.gl/mD2VsN). This will be helpful if you can leave even a
short message recommending this blueprint to others who will visit
the page.
 Second, share this blueprint or the link to a friend or relative or to as
many as you can that you think will benefit from these ideas. Who
knows, this might be the best gift you can offer them.

In case you received this blueprint from someone, please visit my

website (https://goo.gl/mD2VsN) and submit your first name and
email address so that you will be included to my mailing list to
receive updates for this blueprint and other updates from me.

Here’s to your success!

God bless!

Jun Pasion

Website: https://facebook.com/junpasiononline
Email: mail@junpasion.com