Financial security comes from having a stable, well-paying job or business. However, less than 10% of Filipinos are truly wealthy due to bad money habits like overspending and lack of savings and investment. To become rich, one must pay themselves first by saving 10% of earnings each paycheck and starting investments early, as it's choices around time and money management, not the amount of money itself, that determines wealth. Success also often involves failure initially, so perseverance is important.