Sometimes I like being stuck in traffic. Some of you might be scratching your head right now and saying to yourself – Mark must be crazy. 

Just recently I got stuck on my way home from Megamall due to the INC protests. I came from a financial planning meeting with an OFW client who recently came from Singapore. They always meet me every time they arrive to talk about investments and how to grow their money. 

Well, call me crazy but I make money from being stuck in traffic and I sometimes enjoy being stuck in traffic. 

It has been a habit even before I had my own car to bring an MP3 player and an external noise reducing earphone every time I travel. This way I get to listen to audiobooks that can help me improve my knowledge that in turn allows me to create plans and strategies that would allow me to earn more money. 

When I was in college I worked for 4 years as a working student in one our school’s library. There, I appreciated the value of books – how it can raise a nobody into somebody. 

I don’t really know if you have tried audiobooks, some don’t like audiobooks and prefer to read and not listen. But honestly if you really want to increase your wealth you must increase your knowledge. And playing an audiobook while being stuck in traffic is I think a great idea to use that idle time.



Mark Joseph T. Fernandez, CPA, RFC, AFA is the founder of FinancePH and is one of the top financial advisors of Insular Life. He has helped hundreds of people start saving, investing and insuring. Reach him at

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