Mastery of Financial Discipline

Purpose-Driven Wealth Strategies Expert Financial Stewardship by David Angway, RFP.

[0:00] – How to stay motivated to save money? Setting the tone for financial success.

[2:15] – What is the best motivation for saving money? Finding the "Why" behind your goals.

[4:40] – How to stop impulsive spending and shopaholic habits? Identifying emotional triggers.

[7:30] – How to be consistent with financial goals? A 12-month commitment strategy.

[10:15] – How to save money for a greater purpose? Shifting from self-interest to social impact.

[13:40] – How to overcome financial guilt and money mistakes? Moving forward after debt.

[16:55] – What are the biblical principles of stewardship? Managing resources as a trust.

[20:10] – Should I tithe while paying off debt? The role of generosity in financial health.

[24:30] – How to support missions and church work financially? Finding fulfillment through giving.

[27:50] – How to stay disciplined when you lose financial momentum? Tips for staying "on fire."

[30:15] – Financial encouragement for 2026: Final thoughts on a committed and fulfilled year.

Inspirations Unlimited: The Power of Financial Discipline and Saving

Guests: David Isaiah Angway (Registered Financial Planner)

Host: Bryan Dela Cruz

Bryan: Welcome back to Inspirations Unlimited, your home for #MondayMotivation. I’m your host, Bryan Dela Cruz. Today, we are joined by someone truly "on fire" when it comes to financial literacy. He is a Registered Financial Planner, advisor, speaker, and provider of workplace financial wellness programs. If you want to know how to manage your money and master the art of saving, this is the episode for you. Welcome to the show, Sir David Isaiah Angway!

David: Hello, Bryan! Thank you so much for having me back. To all our "Kaagapays" (partners) watching and listening, thank you for your constant support of Inspirations Unlimited. Happy holidays to everyone!

Bryan: How was your Christmas, David? I heard you are currently in Atok, Benguet. How is the weather and the atmosphere up there?

David: It is incredibly cold! Atok has become such a popular tourist destination that it’s pretty crowded in some spots, but the climate is a refreshing change. It’s a great place to reflect as we head into the new year.

Bryan: That’s a perfect setting for our topic. As we face 2026, many people are thinking about their "Ipon Goals" (saving goals). Why is it that some people find it so hard to save, even if they have a good income?

David: Saving is less about math and more about psychology. We often wait for a "surplus" to save, but the reality is that if you don't prioritize saving first, your expenses will continually expand to meet your income. You need a clear "Why." Without a purpose—whether it’s for an emergency fund, a business, or your family’s future—saving feels like a chore you'll eventually skip.

Bryan: Speaking of "Ipon Goals," what advice do you have for those who feel overwhelmed by their New Year's resolutions?

David: I recommend a strategy I call "The Power of Two." People often list ten or more things they want to achieve in a year. By February, they’ve given up because they’re spread too thin.

David: Take those ten goals and downgrade them to your top two priorities. Focus all your energy there. If you want to save, make that one of your two. When you hit a specific, narrow goal, you feel more fulfilled and committed to the process.

Bryan: What if someone is listening right now and they have zero savings? They feel nervous or even ashamed. What would you say to them?

David: Don't panic. Many people are in the same boat, but the fact that you are listening to this means you have an opportunity to change. Start small. It’s not about the amount; it’s about the habit. 2026 can be the year you move from being a spender to being a steward.

Bryan: That is a great perspective. It’s about stewardship. Do you have any final tips for our listeners as they plan their 2026 finances?

David: Beyond your personal gain, think about the community. Maybe your financial goal for the next 12 months is to be more consistent in your tithing, helping a missionary, or supporting a local cause. When your money has a mission beyond yourself, you’ll find you are more disciplined in keeping it. Focus on your "Top Two," stay committed, and you will see the results.

Bryan: Thank you so much, David! Your wisdom is always a great help to our Kaagapays.

David: It’s always a pleasure, Bryan. Thank you for having me!

Bonus

Inspirations Unlimited: The Psychology of Saving

Participants: Bry (Bryan Dela Cruz) and David (Registered Financial Planner)

Bry: David, why is it so hard for people to hit their "Ipon Goals"?

David: Saving is 10% math and 90% behavior. Most people fail because they try to do too much at once. I advocate for "The Power of Two":

• Audit Your Goals: List the 10 things you want to achieve this year.

• Downgrade to Two: Cross out 8 and focus exclusively on your top 2 priorities.

• Narrow Your Focus: If you focus on 20 things, you achieve none. If you focus on 2, you feel fulfilled and committed.

Bry: Any final words for those with zero savings?

David: Start today. It’s about the habit, not the amount.

• Automate: If possible, save before you spend.

• Mission-Driven Money: Give your savings a purpose—whether it’s for an emergency, tithing, or a business. Money with a mission is harder to waste.