The 80 Percent

Hosted by Fitz Villafuerte

Business Entrepreneurship Education

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Episodes

328

Latest episode

Jul 2026

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About the show

Hi, my name is Fitz Villafuerte. I'm a Registered Financial Planner and a financial literacy advocate based in the Philippines. This podcast is about learning smart money habits and the proper mindset to achieve financial success. I speak in English and Filipino in this podcast. Visit the80percentpodcast.com to learn more. Hosted on Acast. See acast.com/privacy for more information.

Listen to episodes

60 recent

July 3, 20267 min

GCash Is Going Public. Should You Invest?

The 80 Percent Express are special short episodes in which I share a financial concept or answer a question sent by a listener.GCash is preparing for what could become one of the biggest and most anticipated IPOs in the Philippine stock market. As the country's leading digital wallet continues to expand its ecosystem, many Filipinos are asking the same question: Should I invest once it goes public?To learn more, you can visit my blog post here. Hosted on Acast. See acast.com/privacy for more information.

June 26, 202621 min

What If You Don’t Need Millions to Retire Early?

Welcome to Episode 244 of The 80 Percent.Think you need millions to retire early? Discover the Reverse FIRE movement and learn how Filipinos can achieve financial freedom through intentional living, flexible income, and lower expenses.For the show notes, visit my blog post here. Hosted on Acast. See acast.com/privacy for more information.

June 18, 202612 min

The Opportunity Cost of Passion Projects

Welcome to Episode 243 of The 80 Percent.After a long break from podcasting, I share the real reasons behind my absence, the tension between passion and practicality, and the important lesson that sometimes the best decision is to prioritize what matters most right now.For the show notes, visit my blog post here. Hosted on Acast. See acast.com/privacy for more information.

February 13, 202618 min

Investment Strategy for 2026

Welcome to Episode 242 of The 80 Percent.Where should Filipinos invest in 2026? In this episode, we cut through the noise and discuss investing strategies for this year. No hype. Just clear thinking and practical investment choices.For the show notes, visit my blog post here. Hosted on Acast. See acast.com/privacy for more information.

January 16, 20262 min

Why I Went Quiet for a While

I took a short, unexpected break, and I’ll be back with new episodes soon. In the meantime, you can catch up on past episodes at www.the80percentpodcast.com Hosted on Acast. See acast.com/privacy for more information.

December 19, 202516 min

Listen Back: 5 Money Mistakes That People Don’t Know They’re Making

Listen Back episodes are past episodes of The 80 Percent you might have missed, so we’re bringing them back, especially for our new listeners.This was Episode 169. For the original show notes, visit my blog post here. Hosted on Acast. See acast.com/privacy for more information.

December 12, 202518 min

Investing in REITs For Retirement

Welcome to Episode 241 of The 80 Percent.REITs give you property income without actually buying property. With REITs, you get regular, guaranteed dividends as your passive income while you skip dealing with tenants and doing property repairs. Plus, you stay liquid because it can easily be traded on the stock market. In this episode, we’ll discuss tips on how to invest in REITs as a source of retirement passive income.For the show notes, visit my blog post here. Hosted on Acast. See acast.com/privacy for more information.

November 28, 202535 min

Smart Money Moves For Your 13th Month Pay

Welcome to Episode 240 of The 80 Percent.Today, we’re talking about something very familiar to every Filipino employee. The 13th-month pay. It feels like a reward after a long year. It feels like a chance to breathe a little. But it is also one of the best opportunities to change your financial life with just a few smart moves. In this episode, you’ll hear my recorded presentation on this topic, which I recently delivered. I hope you enjoy it.For the show notes, visit my blog post here. Hosted on Acast. See acast.com/privacy for more information.

November 21, 202558 min

How to Get Out of Debt with Debt Aid Consulting International

Welcome to Episode 239 of The 80 Percent.I sat down with two people who work on the front lines of this every day. Ben Lou, President and CEO of Debt Aid Consulting International. And Eunice Lou, their VP for Operations. Their team at DACI helps Filipinos who feel overwhelmed by loans, collectors, and financial pressure.If you’re stressed about debt or utang. Or you know someone who is drowning in it. This episode might be the turning point you need.For the show notes, visit my blog post here. Hosted on Acast. See acast.com/privacy for more information.

November 13, 202511 min

Is It Safe to Invest in a Cooperative?

The 80 Percent Express are special short episodes in which I share a financial concept or answer a question sent by a listener.Today, we’re discussing a question that’s often been asked of me in recent months: Is it safe to invest in a cooperative? The local stock market has not been performing well, and investors are seeking alternative investments, particularly those that offer regular dividend payments. And thus, the recent surge in the popularity of cooperatives. So, in this episode, we’ll share the factors to consider when investing in a coop and how to know if one is legit and worth your investment.To learn more, you can visit my blog post here. Hosted on Acast. See acast.com/privacy for more information.