Financial Experiment on Passive Income Streams and Net Worth Allocation – Part 1

With the current rise in Millennials’ clamour towards FIRE (Financial Independence, Retire Early movement), it seems the average financial literacy of Filipinos is also steadily growing- at least in the Metro. This is great. And let’s face it, at this time, ABSOLUTELY NECESSARY.

The truth is, there are so many factors that work against us. Too many even. And we could go over all of these points all day, but that doesn’t really sound fun so I’d rather we focus on what we could do as a hedge against these.

What I’ll be sharing in this piece is the beginning of my personal financial experiment which I hope to update periodically to form the series. Please, please, do not treat this as a roadmap to FIRE by any means and most definitely not take anything written here as financial advice. Only an internet stranger’s bold account that I hope could serve as either a cautionary tale or inspirational story. Ultimately, the biggest dependencies that would come to play would be your 1) risk appetite, 2) your cash flow, and 3) expenditures.

Let’s start with my profile to put things in perspective. Note that we will not be including non-liquid/non-cash assets. Also left out any types of insurance like VUL etc. Since I have only recently started diversifying my assets and finally dared to detach from the safety of traditional banks, I will be more aggressively siphoning my funds towards higher growth channels every month to maximize my passive income streams.

  • AGE: 32
  • CIVIL STATUS: Single
  • MONTHLY NET INCOME: PHP 100,000.00
    • A. 38% regular savings account | PHP 0.00/mo.
    • B. 27% traditional bank UITF | PHP 100.00 – 150.00/mo.
    • C: 27% centralized exchange and cold wallet | PHP (-) 50.00 – (+) 100.00/mo.
    • D: 7% decentralized finance | PHP 3,700.00/mo.
    • E: 1% American index funds | PHP 0.00/mo. *just opened an account last week
  • REMARKS: No liabilities, but very soon taking out a loan to build a new home for the family. No vices, no debt, no rent, no utilities, but not able to save as much due to my spending habits.
Pie chart of funds allocation

Okay, okay. I know your eyebrows are raised right now, and I think I just heard someone gasp audibly.

The allocation is quite unusual and appears to be devised by a happy-go-lucky high school student who has zero understanding of risk management. Maybe you’re right. It is also plainly easy to spot just how much better this pie could be improved but worry not because I am 100% self-aware of this. Based on what I read from others, local index funds, REITS, and PAGIBIG’s MP2 would be the first few you’d place your money in. From there, your jump off would have been co-ops, Google and Apple stocks, and high yield local digital banks like Tonik, ING, CIMB etc.

So does it make sense that over 60% of my net worth is on the most conservative side of the spectrum (PRUDE!!), and then a third is in the most volatile type of “investment”???? If it could even be called an investment (IT’S GAMBLING, YOUR HONOR!). Perhaps it doesn’t. This is an experiment after all, and I’m just sharing my journey. So if I tank, then I will tank. But at least you won’t have to after I do. The reason behind my actions is simply impatience compounded by boredom.

We’ll talk about D which is pretty much the only sector that has any semblance of growth.

Most DeFi platforms offer generous returns as this is the most effective way to attract investors given the risks attached to them.’s DeFi Earn offers 12.19% p.a. for your CRO.


  1. Since it is decentralized, this means you are completely responsible and in control of your coins. CDC may be the developer, but they have zero access to your assets. This is a double-edged sword since it advocates absolute autonomy but at the same time also means if something goes wrong (you lose access to your wallet/private keys/get hacked via phishing), CDC cannot offer any support. Which is why there are still some people that prefer going with a CEX. Case in point, CDC got hacked in January 2022 but they were able to stop some of the withdrawals halfway through and reimbursed those that lost their assets in full.
  2. Putting your CRO on Earn means you are delegating money to a validator which are unverified parties. Always read each validator pool’s conditions and try to select the ones that are in the top 20 list. You don’t have to stake with the bigger names at all times since they would usually have high commission rates, and also makes the whole concept of decentralization pointless. Do your own research and shortlist your trusted validators.
  3. Even if you’ve managed to stake with a high yield and trusted validator, we all still run the risk of smart contract hacks so always be vigilant and monitor any news and use of your wallet. Ruby Visa debit card’s Ruby Visa debit card. Stake $400 in CRO for 6 months and this beautiful beast is yours.

*If you are interested to sign up for CDC and would like to get FREE $25, feel free to use my referral link. Both of us will get $25 when you stake for any of their debit card starting from Ruby tier. Call it a shill if you want but their metal card is insanely sexy to look at and incredibly glorious to touch- I get an absolute kick just owning it. I own black and gold cards from my bank and let me tell you, it doesn’t even compare. Fair warning, I’m into pretty things so it could just be me lol.


Anchor Protocol UST APY
Anchor Protocol offers 19.44% APY for your UST, one of the highest DeFi yield at this time with a short but proven track record.


  1. Anchor is a savings and borrowing protocol and arguably one of the most popular DeFi for stable coins. The super high % is deemed unsustainable not just by users and non-users, but also the creators themselves due to the ratio of lenders vs borrowers. That said, Terraform Labs is actively looking for ways to offset/hedge this so that any decrease in the APY would not be drastic enough to turn away investors.
  2. Bullet point 1 and bullet point 3 from CDC DeFi still stands as this applies to all DeFi. To have an additional layer of security, it’s good to use a Nano Ledger and Mnemonic Metal seed phrase storage especially if you are considering placing anything over USD 1,000.00. I have a Nano Ledger X which I have linked to my Terra Station wallet.

Soo… these are what I have right now. I implore you to responsibly look into these 2 avenues and see if it’s something you’d like to consider. For the next part, you can expect to see a shift in allocation, a huge expenditure (home loan, babie! if approved) and the repercussions of such.

Til then! Hang in there!

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