Money Sense 102: Lesson 3 - The Two Wallets Strategy.

Two Wallets. Not Physical—Emotional.

This simple mental split changes everything.

Survival Wallet: Food, Rent, Transport, Emergencies

This wallet is sacred.

You don't mess with sacred.

The Survival Wallet pays for:

• Housing (rent, utilities)
• Food (groceries, basic meals)
• Transportation (to work, school, essential travel)
• Emergencies (medical, urgent repairs)

This is your life support system.

It keeps you alive and stable.

Power Wallet: Skills, Dreams, Goals, Small Risks

This is the wallet that transforms you.

The Power Wallet invests in:

• Learning (courses, books, skills)
• Tools (laptop, phone, software)
• Opportunities (small business ideas, side projects)
• Personal growth (therapy, coaching, self-care)
• Future income (equipment for side work)

This wallet says: "I'm building something."

The amount doesn't matter. The identity shift does.

Even 1,000 COP in the Power Wallet Counts

It's symbolic electricity.

When you put money in the Power Wallet, you're telling your brain:

• "I'm not just surviving."
• "I'm investing in my future."
• "I believe in possibility."

That shift is everything.

Why This Works

When all your money goes to survival, your brain stays in panic mode.

But when you separate:

• Survival = Safety
• Power = Possibility

You give yourself permission to breathe and dream.

Practice: Choose One Tiny Weekly Contribution to the Power Wallet

Examples:

• 500 pesos toward an online course
• 1,000 pesos toward a new phone (saving over time)
• 2,000 pesos toward art supplies if you want to sell crafts
• 1,500 pesos toward a book that teaches a skill

The amount is irrelevant. The habit is life-changing.

The Micro-Win

You start meeting your future self.

And your future self is grateful.