Make Wealth Flow Towards You!

How To Make Money Run After You (Part 11)

Posted by on Feb 22, 2012 in Business Management, Career Management, Investment Management, Money Management | 24 comments

The Simplified 3 Step Wealth-Flow Blue Print”


For me and Jhoanna, wealth accumulation is a 3 step process and if we were to diagram it, it would look like this


Step 1: Make the Money

Step 2: Manage the Money

Step 3: Invest the Money


If done right, the 3 steps that I just mentioned become a repeating positive wealth flow cycle!


Step 1: Make the Money:


Now, lets get into a little more detail. To make money, the most common ways are 1.) Have a great career or 2.) Produce successful businesses. Although investing is a 3rd way to make money, it does not belong in step 1. This is because the premise of investing is that you need to have some money to invest already and step 1 of the blue print assumes you have no money to begin with, but not to worry, if investing is your thing, I’ll be talking about investments in step 3.


Business or Career?


A lot of people believe that to make lots of money you have to have a business of your own. Not necessarily true, in fact, and speaking from experience, chances are you’d make more money in one year if you have a good paying job compared to the first year of a traditional business start-up.


Now, I am not discouraging those of you who want to start a business. In fact, that is one of the many great things we teach at our Training Center at Businessmaker Academy. A business if started and nurtured properly will not just give you great cash-flow, but also a lot more control over your time. If you feel that starting a business is your calling, then by all means go for it. In fact, if you really wanted to, you can start your own business with ZERO capital. If you’d like to learn more about that then go here now


On the other hand, if you have a good job right now, and you are happy with it, then listen to my advice. KEEP IT AS LONG AS YOU CAN. Because the money that you make, which may not be as big as you would like is still money coming in every month. And if there is one thing I’ve learned from my wife, it is not about how much you make but how you manage that money when you get it. If you play your cards right, excelling in a career that you choose can actually lead you to big money as well. However be aware that not all industries will pay the same. There are industries that are higher paying than others. An example of high paying industries would be Telecoms, Information Technology, etc. So if you want to excel in a career, choose wisely first, learn how to move up the ladder quickly and be the best in whatever career you choose.


So remember, making money can be through a business or a career.


Step 2: Manage the Money.


Now if you look at the entire diagram again. There are essentially 6 areas of money management and these are:

  1. Earning

  2. Spending

  3. Saving

  4. Investing

  5. Protecting

  6. Giving


We just talked about earning the money in the first part of this article and so the next step is to manage it. Meaning, how do you spend your money, save your money, Invest your money, And give your money to those who need it the moment you earn it.




When it comes to spending, we all have expenses, and a lot of people who attempt to manage their money end up doing what we hear so many people say: spend less than what you earn, or the common phrase: live below your means. Although a lot of people believe this as gospel, I want to say that is not exactly true, at least, not if you want to feel deprived and miserable. At, there is a 3 part article series called ‘Money Management Simplified’. I would encourage you to go to that site, and sign up for the ‘wealthplan’ so I can email it to you immediately afterwards so that I can explain in greater detail on how me and my wife spend without feeling deprived and miserable.




When it comes to Saving, yes, definitely you should BUT not for the purpose that everybody thinks it is for. We were told to save in the old days to have enough money to be able to retire and stop working. That is not what savings are for, you do not save to be rich and be able to retire, you save so that you have some cash tucked away in case something goes wrong with your career, your business, or your investments. In other words, your savings is your ‘fall-back’ in case something catastrophic happens to you or your family.




When you get into extra money, the leeches will come. Money Leeches as I’d like to call them are the People, institutions, or “Cosmically uncanny” situations that just happen to show up at the very exact moment you come into some money. Sound familiar? Think back…Do you remember the time that you got that P5,000 bonus from your job, or a sideline or unexpected business from a client? Who called you or showed up at your doorstep needing urgent help or “who just happened to drop by” that very same week needing exactly P5,000? One very overlooked part of money management is to PROTECT your money from these situations. I have a dedicated article about Money leeches and I suggest that you read that to get a step by step plan to start protecting your money and yourself immediately.




When it comes to Giving, yes, be generous, BUT you should manage your generosity wisely. I believe in Tithing, but I do not believe that it has to be 10% of whatever you make. The way, my wife and I do it is to be generous with some cash and with a LOT in kind. By doing so, our giving goes well beyond the 10% value. Again, I discuss this at go there now and sign up for the wealthplan and you should receive those articles as well.


Which now brings us to Investing. Unfortunately, you will have to wait and stay tuned for the next article where I talk about investing i a lot more detail. In the meantime, I hope this article gives you a snapshot of how wealth accumulation is done. All the best to you and see you at


Author Box:

Mark So is a fervent businessman, Investor and educator.  He is the Chairman and CEO of Businessmaker Academy—a business, finance and corporate training center.  He is the founder and Chief Forex Trainer of Forex Club Asia, A Trading club of Forex Traders across Asia. He is also the Founder and Chief Trainer of the Philippine Franchise Institute which specializes in training and growing existing Franchise businesses.  Mark, together with his loving wife also created a website dedicated to teaching people how to make money run after you. A sought after speaker for business, investing, You may email your comments and questions to: or call the office at 6874445 / 6873416 / 6874645 for a schedule of his seminars

468 ad


Join the conversation and post a comment.

  1. Lilia

    Sir, thank you for your knowledge & sharing your experience with us. Little by little I change & start a new life from my past life. From your article I learn a lot…God Bless You & Your Company.

  2. anele37

    Nice one again sir. God bless.

  3. Carly

    Can’t wait for the next article! I’ve followed your previous articles so this is what interests me now. Thanks!

  4. Gigi Bernabe

    This is inspiring, really. Thanks a lot for this!

  5. marichu

    great, just great!

  6. Dennis

    Thanks Mark. Eager to read the investment part.

  7. James

    Nice. Can’t wait for the Investment article. Thanks Mark!

  8. Yllen

    Thank you Mark for the new learnings! God bless you more.

  9. Aze

    I like the style of presenting the important details. It will be easily remembered. Therefore, can be put into action and see results. Looking forward on the Investing part. 🙂

  10. bheng

    sir mark thank you i’ll be applying the cycle of the of wealth accumulation right away and for advising me to manage my generosity wisely.

  11. Dexter

    Hi Mark, your articles are very, very realistic especially for the Phillippine ‘setup’. This is what I appreciate the most. Do you have any tips for managing your savings – where to save it – what is the applicable proportion (e.g. 20% in time deposits, 50% in mutual funds, etc.).

    • markso

      Many thanks Dexter,

      As for savings, I personally just keep 1 years worth of monthly expenses as savings. The rest is invested. So for example if your monthly expenses is P50,000 / month, if you multiply it by 12, that will be P600,000. I put that in a normal savings/checking account as it has to be liquid and accessible in case something happens and you need the reserve cash. The rest will be invested in real estate, mutual funds, businesses, and of course forex. I do not consider mutual funds as savings as that is an investment which is subject to risk and loss. Hope this helps.

  12. Ricky

    Sir nabitin ako sa last part. I cant wait to read your next article about investing. Thanks and god bless!

  13. buddy oberas

    BIG Thanks Mark , amidst life and works “busyness” you keep my mind equipped with those previous articles of wisdom and practical guidance and this powerful way to embrace one’s work or career. Looking forward to your upcoming insights. Bless you more!

  14. Djoana Bernardo

    Sir Mark thank you for sharing your knowledge and experiences to us…I am learning a lot from you Sir..thank you. GOD bless.

Leave a Comment

Your email address will not be published. Required fields are marked *