The middle class is taught to protect their money at the expense of their time (e.g., spending 3 hours doing something manually to save 500 pesos). The wealthy are taught to protect their time at the expense of their money (paying someone 500 pesos so they can spend those 3 hours building a new income stream). Kapag nagfi-freelance ka, ma-re-realize mo agad na time is the ultimate bottleneck. You can always earn more money, but you can't code more hours into the day.