The 3-Bucket Wealth Strategy: A Simple Plan for Long-Term Success

Lost with money? You’re not alone.

If you’ve ever felt like your money disappears the moment it hits your account...

You're not alone.

Most people think financial success is about earning more.
But without a system, it doesn’t matter how much you make… you’ll still feel behind.

I’ve been there.

I was earning okay. But I felt stuck.
I didn’t know how much to save, how much to invest, or if I was even making progress.

That changed when I came across a concept from Tony Robbins’ book Money: Master the Game.

It was called The 3-Bucket Strategy.

It gave me something I never had before:

✅ A clear roadmap for where my money should go
✅ A system that allowed me to save, invest, and still enjoy my income
✅ And most of all, peace of mind because I was finally in control

Today, I’m breaking it down for you.

The 3-Bucket Wealth Strategy

Every peso you earn should have a purpose.

Here’s how the system works:

1️⃣ Security Bucket – Your Financial Safety Net

This is your buffer against emergencies and setbacks.

✅ Emergency Fund (3–6 months of expenses)
✅ High-interest savings (Seabank, Tonik, Maya, CIMB)
✅ MP2 or time deposits for safe, tax-free growth

Without this, one unexpected expense can ruin everything.

2️⃣ Growth Bucket – Where Wealth Is Built

This is where your money starts working for you.

✅ Stocks & index funds (S&P 500 via IBKR, PH ETFs)
✅ MP2 (as a bridge between security & growth)
✅ Crypto (for long-term, high-risk positions)
✅ Real estate or business equity

Start small. Stay consistent. Let time do the heavy lifting.

3️⃣ Dream Bucket – Your Rewards & Life Goals

This bucket is for the fun stuff.

✅ Travel
✅ Passion projects
✅ Dream home
✅ Giving back

Most people either feel guilty about spending, or they overspend without a plan.
The Dream Bucket solves both.

When you save for joy intentionally, you enjoy guilt-free, and still grow your wealth.

Why This Strategy Works

The biggest reason people stay broke?

They don’t know where their money should go.

This system fixes that.

✔️ You know exactly what to save, invest, and enjoy
✔️ You remove guilt from spending, because it’s planned
✔️ You build financial confidence, not confusion

Common Mistakes That Keep You Stuck

🚫 Trying to Get Rich Quick
✅ Solution: Stick to long-term assets you actually understand.

🚫 Saving But Never Investing
✅ Solution: Move a % into growth assets. Start with ₱1,000/month.

🚫 No Clear Plan
✅ Solution: Use the 3 buckets. Track, adjust, and automate.

🚫 Thinking You Need a Lot to Start
✅ Solution: Start small. Start now. Even ₱1,000/month is enough to build momentum.

How to Start Using This Today

✅ Step 1: Know your monthly expenses – This sets your Security Bucket baseline
✅ Step 2: Pick a savings % – Even 5–10% works
✅ Step 3: Open separate accounts – Security, Growth, Dream
✅ Step 4: Automate – Remove willpower from the equation
✅ Step 5: Track and tweak monthly – Your system should grow with you

Want help setting this up?

I created a 6-week 1-on-1 coaching program to help people like you:

✔ Break the paycheck-to-paycheck cycle
✔ Build a custom financial system
✔ Gain confidence with saving, investing, and spending

This week’s focus?
Helping you build your personalized 3-Bucket Wealth Plan.

📅 Book a free 30-min discovery call here → calendly.com/mr-ricyu/30min

Closing Thoughts

Wealth isn’t about luck. It’s about systems.
When you know where your money goes, everything changes.

✅ You feel less guilt
✅ You feel more confident
✅ You build wealth without burnout

Let’s build your system, together.

—Ric