Set clear financial goals: The first step to achieving financial independence is to set clear financial goals. These goals should be specific, measurable, and achievable within a reasonable timeframe. For example, you might set a goal to save a certain amount of money each month or to pay off your debts by a certain date.

Develop a budget: Creating a budget is an important part of achieving financial independence. It allows you to track your income and expenses, and helps you to identify areas where you can cut back on spending. By living within your means, you can start to save money and work towards your financial goals.

Invest in your education and skills: As a well-off Filipino mom, investing in your education and skills is key to achieving financial independence. The more knowledge and skills you have, the more opportunities you will have to earn money and grow your wealth.

Start a side hustle: In addition to your primary source of income, starting a side hustle is a great way to increase your earning potential and build wealth. Whether it's starting a business or freelancing in your area of expertise, a side hustle can provide additional income to help you achieve financial independence.

Invest wisely: Investing your money wisely is a critical part of achieving financial independence. There are many investment opportunities available, including stocks, bonds, money market funds, VULs, UITFs, and real estate. It's important to do your research and choose investments that align with your financial goals and risk tolerance.

Pay off debt: Debt can be a major obstacle to achieving financial independence. If you have high-interest debt, such as credit card debt, focus on paying it off as quickly as possible. This will free up more of your income to save and invest, and help you reach your financial goals faster.

Plan for retirement: Retirement planning is an important part of achieving financial independence. Even if you're still years away from retirement, it's never too early to start saving for the future. Consider opening a retirement account and start contributing as much as you can afford.

Seek professional advice: If you're struggling to achieve financial independence or don't know where to start, seeking professional advice from a financial planner or advisor can be helpful. A professional can help you develop a personalized plan based on your unique financial situation and goals.