Think Rich Pinoy By Larry Gamboa

A Practical Walkthrough of Think Rich Pinoy By Larry Gamboa

I keep getting asked about Think Rich Pinoy By Larry Gamboa, mostly because the official links rotate and the community forums are half-moderated. Let me just lay out what this actually is and how to get through it without losing your money or your patience. Larry Gamboa runs a financial education platform aimed at Filipino beginners who want to understand investing, budgeting, and passive income. The Think Rich Pinoy brand bundles video lessons, community access, and occasionally paid workshops. It is not a stock tip service, which is a common misunderstanding. It is more of a structured orientation to the fundamentals before you touch any real capital. The core curriculum covers asset allocation for PH investors, how to pick between mutual funds versus stocks versus index funds, basic tax considerations, and how to avoid the most common scams targeting new Filipino investors. The materials are in English and Tagalog depending on the session.

Most people join through his official website or social media channels. There is no single permanent download link because he phases out old modules and updates them regularly. The most reliable way to find current access is through his verified Facebook page or the official Think Rich Pinoy portal. Beware of third-party sellers offering lifetime downloads. Those are usually cracked copies from two years ago that reference fund rates and tax rules which have since changed.

How I Actually Used It

I went through the Think Rich Pinoy By Larry Gamboa materials about a year after it first launched. My situation was specific: I had been buying individual Philippine stocks for three years without a clear allocation strategy, and I kept chasing tips from random Telegram groups. The program helped me restructure around a simple framework: emergency fund first, then low-cost index funds for long-term growth, then a smaller sleeve for individual stock picking if I had time to research properly. The section that genuinely changed my routine was the one on cost basis tracking. I was holding multiple positions across different brokers and had no idea what my actual average cost was on several holdings. I built a simple spreadsheet using the template from his module and realized I was sitting on a 40 percent loss on a name I thought was doing fine because I kept adding to it without tracking properly. That was the practical value. Not a magic stock pick. Just basic tracking discipline that I should have had anyway.

Getting the Current Materials

The platform has moved through a few iterations. The original free webinars are still accessible if you search for them on his main page. The paid courses are gated. If you find a PDF being shared on Reddit or Facebook groups, check the date stamp. The 2022 and earlier versions mention tax rates and BSP guidelines that are outdated. The current version references the TRAIN law adjustments and newer SEC regulations on online investing platforms. When I registered, I went through the official site, picked the tier that matched my experience level, and got immediate access to the introductory modules. The advanced workshops require separate payment but are usually posted a week before the live session. You do not need to attend live. Recordings are available within 24 hours.

Where It Falls Short

Here is the honest part. The program is excellent for beginners who have never opened a broker account or do not understand basic financial terms. It is not useful if you already manage a portfolio or have been investing in Philippine mutual funds for several years. The content moves slowly through topics that experienced investors already know. Some sections feel padded with repetition designed to justify the price point. Another issue is the community moderation. The Facebook group associated with Think Rich Pinoy By Larry Gamboa is large, which means it attracts both genuine questions and spam. The moderators do a reasonable job but they cannot filter everything. I saw at least three posts in a single week promoting unregistered investment schemes that used Gamboa's name loosely to gain credibility. Always verify before following any recommendation from a community member. The materials also focus heavily on traditional investing vehicles. If you are interested in crypto, REITs beyond the basics, or alternative income streams, you will need to look elsewhere. The program touches on these topics but does not go deep enough to rely on them as a primary resource.

A Specific Problem I Encountered

About six months into the course, I hit a wall with the bond fund allocation section. The module assumed all investors had access to a full-featured online broker like COL Financial or First Metro Sec. I was using a smaller platform that did not allow direct bond fund purchases, only mutual fund shares through a bank. The assignment told me to rebalance using government bonds and corporate bond funds, which I could not execute on my platform. The workaround was straightforward once I figured it out. I redirected the bond allocation portion into a money market fund through my bank instead. It was not an exact match on yield, but it served the same liquidity and stability function. I flagged this to the support team and they updated the FAQ to note that users on bank-based platforms should use MMFs as a proxy. It was a small thing but it mattered because the original instructions left people like me stuck.

Is It Worth It

If you are completely new to investing in the Philippines and need a structured starting point, yes. The price is reasonable compared to hiring a financial advisor and the content is accurate. If you already know your way around a brokerage account and understand basic portfolio construction, skip it and read a book instead. You can learn the same material in one evening from free resources like the SEC investor education portal or BDO's personal finance guides. The Think Rich Pinoy By Larry Gamboa approach works best when you treat it as a foundation course, not a complete education. Follow the framework, build your spreadsheet, verify everything you see in community groups, and move quickly to applying it with real capital at a scale you are comfortable losing. That is where the actual learning happens, not in watching the videos.