The 100-10-20-70 Abundance Formula: Fund Your Future—and a Real-Estate Side Hustle
The 100-10-20-70 Abundance Formula: Fund Your Future—and a Real-Estate Side Hustle
By: Realtor Samuel Ortega Lao
What if you could grow your income, give generously, and still build assets—without feeling “kulpit” about spending?
That’s the promise of Bo Sanchez’s Abundance Formula: Earn 100% → Give 10% → Invest 20% → Live on 70%. Below is a simple, street-smart way to apply it—and use the “20” to jump-start a real-estate side hustle.
The Formula, Simplified
100% – Earn intentionally. Grow skills, value, and opportunities.
10% – Give first. Tithing/charity keeps you grateful and grounded.
20% – Invest next. Automate this into assets that compound.
70% – Live within your means. Design your lifestyle around what remains.
Why it works: You pay purpose (giving) and future (investing) first, then fit lifestyle into the 70%. Over time, compounding + rising income does the heavy lifting.
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A Quick Budget Map (Sample Only)
If you net ₱50,000/month
Give ₱5,000 (10%)
Invest ₱10,000 (20%)
Live on ₱35,000 (70%)
> Above figure is for presentation purposes only. Actual figures may change.
Tip: Automate the 10% and 20% on payday to remove willpower from the equation.
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Turn the “20” Into a Real-Estate Side Hustle
Your 20% Invest bucket can seed a practical pathway into real estate—even if you’re busy or starting small:
1. Education & Tools – Allocate a portion to training (due diligence, comps, negotiation) and simple tools (budgeting, CRM).
2. Co-Broker & Referrals – Start earning without owning property. Plug into an accredited broker network to co-market inventory, join referral program, or be accredited real estate salesperson (RESP), and split commissions fairly.
3. Marketing Fund – Use part of your 20% for lean, targeted campaigns (FB/IG posts, short videos, listing boosts) that bring leads.
4. Reinvest the Wins – Roll a portion of commissions back into better tools, more marketing, or your first small buy-and-hold deal.
Outcome: You’re not just “saving”; you’re building a cash-flow skill that can scale.
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Starter Action Plan (30 Days)
Week 1: Set up auto-transfers (10% giving, 20% investing).
Week 2: Attend one real-estate orientation; shortlist 3 property niches you understand (e.g., condo resales, residential lots, rental units).
Week 3: Publish 3 educational posts (credibility beats hard selling).
Week 4: Book 3 prospect calls, 1 site visit, and draft your first real estate marketing agreement.
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Invitation: Earn with Us as Your Side Hustle
If you want a guided on-ramp—training, inventory access, referral program or RESP program, and due-diligence support—join us:
Samuel O. Lao & Associates (SOLA) | PHMLS.net
Contact: +63 917 323 6123 (mobile/Viber/WhatsApp)
We’ll plug you into our listings, teach you the process, and help you earn ethically and sustainably—aligned with the 100-10-20-70 flow.
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Source of the thoughts: Bo Sanchez, The Abundance Formula (100-10-20-70), Shepherd’s Voice Publications.
Disclaimer: Educational content only, not financial, legal, or tax advice. Real-estate availability, prices, terms, and commissions may change without prior notice.
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