“My Journey to Financial and Time Freedom”

Hello there Kabayan!

Let me introduce myself first.

I am Raymond D. Nicolas. A proud Bulakeño since birth.

Growing up from a middle class family in a semi rural neighborhood, I can say that we are quite blessed. We live in a decent house, we eat three times a day, we can buy good clothes.

Both of my parents worked. My father was a former OFW. My mother is a sales clerk.

Like most typical Pinoys, I was raised to become an employee. For me, that was the point of going to school for years – to get a JOB.


Starting the corporate life

When I started working as a Civil Engineer back in 2007, I was very idealistic for my future. I dreamed of working in an elegant office somewhere in Ayala or Ortigas. I saw myself travelling the world and living the life of my dreams.

However, in just 6 months of work, reality hit me. This is not my dream life. I realized that as an employee, I was trapped in a world where I am like inside an “endless and boring cycle” – going to an 8-5 job, anticipating for Fridays, hating Mondays and being very happy during “kinsenas” and “katapusan”. This is not what I wanted.

That was also about the same time I began my financial education when a college friend recommended to me the book “Rich Dad, Poor Dad” by Robert Kiyosaki.

After reading that book, it’s as if something “ignited” within me a desire to learn more about financial literacy. I knew from then on that I don’t want to be trapped forever in the corporate world or the “rat race”.  I wanted to experience time and financial freedom.

I started studying and entering different businesses. I went into blogging. I also tried other internet businesses.


Going into business

It was in 2010 when I was invited into a business opportunity – a multi-level marketing business. Or better known as network marketing. In even simpler Pinoy terms, NETWORKING.

Many people I know don’t like this type of business because for them, it’s a scam. But I joined because I knew the owner – he was my classmate during my Board Exam review.

For the next three years, I stayed with the company. Their growth was unbelievable. In a span of 4 years, they have produced 30 plus millionaires already.

However I will admit that I was not happy during those times. I was struggling more than earning. I wasn’t living my passion. In short, I did not earn the income that I desired.

It was a very painful decision to leave but I learned so much from the trainings and seminars the company gave us. The lessons that I learned from those trainings and seminars, I still carry with me today.

Later on, I discovered that it is not just enough to go into a business. You have got to find your PASSION and CORE GIFT and build a business around them.


Investing in the stock market

And then it was in 2013 when I decided I had to do something about my finances. I started investing in the stock market.

It wasn’t easy at first because I didn’t know anything about it. All the terms were alien to me.

But thanks with the help and guidance of my mentors, I am now on the way to making my first million through the stock market.

I also embarked on the road again to making my passions my dream business.

As a naturally silent and introvert person, I became interested in online businesses.


Today, I am still employed full-time as an engineer in Manila. For the past years, I had been into different construction management and real estate companies. I have worked on a business process outsourcing project, a subdivision, a school building and medium-rise to high-rise condominiums here in the country.

It is in my part-time that I share my advocacy of teaching financial literacy, stock market investing and online entrepreneurship to fellow Pinoy young professionals and OFWs so that they too can start saving, investing and earning passive income on the side.

My goal is that for all of us to experience time and financial freedom doing the things that we love to do with our families and loved ones – one step at a time.



Join me in my journey to financial and time freedom by subscribing to The Rich Mindset and liking us on Facebook! You will be getting a copy of my FREE e-book “How the Stock Market Can Make You Rich while working at an 8-5 Job”. I will be here every step of the way to guide you and be your companion to the road to financial success.


May God continue to bless you more!