From Piggy Banks to Wealth Management: A Filipino-American’s Journey to Financial Wisdom
by Richard Valdez - www.RichardValdezRE.com
A Filipino-American Financial Story Begins with a Pink Piggy Bank
Your first financial lesson might not come from a book—but from your lola, a piggy bank, and a few coins that felt like the world.
Early Lessons on Saving from My Grandmother
That pink pig taught me more than just thrift. It introduced me to the idea that money equals security, not spending.
The Power of Saving Over Spending
From loose change to life-long values, I learned that financial independence begins with discipline, not desire.
From Childhood Coins to Grown-Up Wealth Management
Decades later, I see the reflection of my grandmother’s wisdom in every conversation I have with our financial planner.
What Wealth Management Really Teaches Us
Sometimes, the best use of wealth is knowing it’s there—and not needing to use it.
Financial Planning for Filipino-American Families
For many Filipino-Americans, money is more than currency—it’s legacy, pride, and a chance to rewrite generational narratives.
Preparing for a Future in the Philippines with Purpose
As my husband and I plan our move from San Francisco to the Philippines, we’re leaning into a philosophy of sustainable wealth and simple joy.
Final Thought: Security Over Status
Whether it’s coins in a pink piggy bank or interest from a diversified portfolio, what matters most is what money enables—freedom, peace of mind, and values that last.
“Maybe the real secret to wealth isn’t in spending it. It’s in knowing you can, but choosing not to.” - Richard Valdez
