“The Sure Path to Greater Income and a Secure Financial Future Revealed!

"Discover a Fool-Proof System That You Can Use to Retire Comfortably and to ALWAYS Be Prepared for Life’s Uncertainties!”

If you are facing financial challenges,

here’s an opportunity for you to

learn how to change your life for the better.

You can DECIDE to have a stress-free financial life!

You can either:

Plant now
Beg Later.

What would be your choice?

Let me ask you these questions:

• Do you have a burning desire to put your financial life in order and attain financial freedom once you retire or stop working?

• Do you constantly struggle with the question of what went wrong with your finances and where your money goes?

• Are you living from paycheck to paycheck?

• Are you afraid to even think of your retiring years?

• Are you worried about losing your job and ending up borrowing money in order to survive?

• Are you buried in bad debts?

• Are you paying debts out of borrowed money?

• Have you experienced applying for a short term loan and your ATM salary is your collateral?

• Do you find yourself applying for all the loans available at work such as SSS, Pag-ibig, Multi-Purpose or even Calamity Loan?

• Do you have abandoned credit card debts?

If you answered yes to one or more of these questions, then you are in big trouble with your finances. You need to take massive action to put order in your financial life!

How do I know? Because I have been in a dire financial situation myself.

Or you’re probably one of many people who enjoy the security of a monthly paycheck. You look forward to the 15th and 30th day of every month when you and/or your spouse receive the fruit of your labors. You pay your bills, buy groceries, and buy whatever you want with what’s left.

Or perhaps you have a thriving business that allows you to live in comfort and indulge in some luxuries in life.

But have you ever thought about what would happen if someone you love suddenly needed an expensive but life-saving surgery? Have you ever stopped to think about what you would do if your business stopped doing well? And if you’re an employee, have you ever realized that your earning capacity diminishes as you age?

I’m not trying to scare you, but these are things that you should think about NOW when times are good.

Let me tell you my story.

Not too long ago, I was earning a fat and steady paycheck managing a depot operation in a multi-national company. Being the breadwinner, I was able to support my whole family, pay for my siblings’ education, and buy the things that I wanted for myself. At that time, I was barely financially literate, but I didn’t notice or even realize it. I knew that I had to save money for the rainy days, but I didn’t have the slightest idea on how to manage my finances. But I was in my comfort zone and money was the least of my worries. It seemed that nothing could spoil the idyllic life that I had with my family.

Until my mother fell seriously ill.

Suddenly, the fat paycheck that I relied on was no longer enough. I had no savings and investments, so I had to borrow money left and right. It had never crossed my mind that one day I’d be needing that much money to keep my mother alive, but I was willing to give everything I had to have her with us for as long as possible. Eventually, she passed away.

Aside from the grief that comes from losing someone very dear to me, I had a mountain of debt to pay. Reality gave me a big slap in the face! Being neck-deep in debt was a painful fact I had to live with, but it made me realize that I needed to be financially literate.

I devoured every book on financial literacy that I could lay my hands on. I subscribed to Truly Rich Club. I attended every seminar I could afford and every webinar offered on the web that I knew of.

I subscribed to the newsletters, enrolled in online courses and bought tons of books of Bo Sanchez, Dean Pax Lapid, T. Harv Eker, Darren Hardy, Jomar Hilario, Dan Kennedy, John Assaraf, Benj and Fely Santiago, Tony Robbins, Jojo Apolo, Joe Vitale, Brian Tracy, John Maxwell, Robert Kiyosaki, Dave Ramsey, Eben Pagan, Jim Rohn, Paulo Tibig, Success Magazine, Brendon Burchard, and Lewis Howes.


I also followed gurus that I could have access to. I loaded my Kindle App with Money, Business and Personality books. Then, I welcomed financial mentors into my life. It seemed to be counter intuitive back then, but I invested in my financial education. It paid off handsomely.


It has taken years, but I’m now almost debt-free! I started a business and have investments that allow me to see a better future ahead and enjoy some of life’s greatest pleasures. I have built passive sources of income. I’m on my way to achieving financial independence. Best of all, I don’t have to be afraid when life’s uncertainties happen.

How was I able to do it?

While I was trying to rebuild my financial life, I devised and perfected a system that allowed me to put my finances in order. I discovered that, with this system, it was possible for me, not just to pay off my debts, but also to grow my income and secure my financial future.

Because this system worked so well for me, I want to share it with you.

I want to share this system with you, so you don’t have to learn the hard way like I did. I want you to know that you don’t have to suffer the pain and anxiety that comes from not having enough money when emergencies occur. And I want to show you how you and your family can be financially secure and live the good life.


So with love, pride, and excitement, I introduce my book,

The 5s System of Handling Cash!

I have distilled all the lessons I learned from my experiences, the books I’ve read, and the seminars I have attended into this powerful, easy-to-read e-book. The 5s System of Handling Cash reveals:

  • How you can honor the Lord with your money and it for His purpose. (The Lord blesses those who honor Him!)
  • Why it is important to pay yourself first.
  • How to put order in your finances.
  • Why you should pay attention to your spending habits and how to do it.
  • How to set up a long-term security fund so that you don’t have to worry about getting old and dying poor.
  • How to set up a short-term fund that will take care of emergencies and help you maintain your good health.
  • Practical tips on how to cut down unnecessary expenses, save money, and maximize your financial resources.
  • How to divide your income into five different funds to automate everything.
  • What bad debts are, how to wipe them out, and how you can avoid them for life.
  • How to start creating wealth so you can retire rich!
  • And so much more!

The 5s System of Handling Cash is a powerful and effective guide full of practical and effective, tried-and-tested tips and valuable advice. It is your roadmap to financial security and prosperity.

Want to be more convinced? Here’s what other people say about the book:

“The 5S System is a wonderful book that shows you how to get out of debt, achieve financial independence, and enjoy a wonderful life.”

Brian Tracy
Author, The Way To Wealth
Mannix de Duque

“Ermz, your book will always be memorable to me because when I ordered it and downloaded it to my Kindle reader, I read it immediately that same day, got hooked to it and finished reading it in one sitting.

Thank you for writing such a great book, and for sharing your wisdom and personal experiences. You helped me increase my financial literacy. You are a true inspiration!

Mannix de Duque
Philippine Army, Review from Amazon

Financial education is something that isn’t taught in school, but is sorely needed by the majority of people around the world. Some get intimidated by the term “financial education” itself and are clueless on how to start educating themselves on how to handle their money.

Ermz Teodocio’s book offers a simple but effective way to put one’s finances in order. It is a good primer on financial education. The 5S system was developed out of the author’s personal experiences with debt and lack of money. The system is practical and realistic. The concepts are well-illustrated. I’m confident that the book will change how people see money. I believe that if people start applying the 5S system, they will be well on their way to financial security.

Diane Aldecoa Dela Cruz
Writer, Editor
Kath Pompa-Calagui

If you feel clueless about your finances, you will find this book an easy read with doable steps that you can follow ON THE SAME DAY.

Reading the first few pages, might be daunting for those who don't follow any sort of expense tracking or planning to begin with. But for those who would keep on reading, you will be rewarded with tangible and practical steps.

Thanks to Ms. Ermz Teodocio, handling money is much easier to understand.

Kath Pompa-Calagui
Content Marketing Strategist

So how much will you have to invest to learn how to start building your wealth and be financially secure?

The good news is, the investment is tiny.

It’s only $ 4.99
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That’s less than the price of a good pair of leather shoes or a signature shirt.

But the lessons you learn and the insights you gain from the book are priceless.

But wait, there’s more!

You’ll get THREE value-loaded bonuses with your purchase!

Bonus #1: A BONUS Workbook “Your 30 Days Daily Spending Habit Challenge.” This is a downloadable PDF file that you can print out. Take this life-changing challenge and notice the difference the way you spend within the next 30 days!This worksheet is valued at $22.00

Your 30 Days Daily Spending Habit Challenge is to encourage everyone who buy the “The 5S System of Handling Cash and got this workbook, to start a habit of knowing where your money goes by listing down every penny spend daily regardless of the amount spent.


Bonus #2:  A downloaded excel worksheet of “Your 30 Days Daily Spending Habit Challenge”  to encode the daily expenses/payment listed on the workbook challenge and table computation on how the compounded interest work for a period of time by inputting your invested desired amount.

Bonus#3: An exclusive membership in our private and exclusive Facebook mastermind group where people can discuss ideas about money and wealth-building.

With the added bonuses. you will  be making a small investment compared to what you stand to gain from applying the lessons that you will learn from the book.

Financial literacy is a priceless gift that you can give yourself and the people you care about. It is my fervent hope that you will soon attain financial independence and live the quality of life that you want for yourself. Make sure to put everything you learn from my book into practice.

Start building a massive passive income now! Put the “The 5S System of Handling Cash” into practice, and you’ll see yourself 10 to 20 years from now retiring rich and living the life of your dreams! Abundance is within your reach; it is possible to achieve it no matter how much your active income is right now.

Live an amazing life!


Ermz Teodocio

Author, The 5S System of Handling Cash



You have nothing to lose and everything to gain if you learn how to use a system in handling your money. You’ll only make your retirement years something you can look forward to!


Retirement is not determined by age. As long as you never falter in your commitment to live the 5S system in building your wealth, retirement will be a sweet victory for you.


Do you see yourself as a successful Entrepreneur? Start building your wealth now. Live the 5S System of Handling Cash while you work.

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If you have any questions, comments, or requests, Contact Us or 
Email at ermzteo@gmail.com or text/call to +639326257920

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Ermz Teodocio is the pen name of Erma Teodocio

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