The Three Piggy Bank System

When we were little kids, we used to have piggy banks. Our parents used to tell us that we should save money. As kids, we are already taught by our parents the value of money. Every time we have some coins, we usually drop it to our piggy banks until it’s full. I remember when I was a kid, my mom opened a Kiddie Savings Account in a bank when my piggy bank was already full.

There’s only one piggy bank that we are accustomed to – the one where we allot our savings. However, Kiyosaki introduced two more piggy banks called the Investing and Tithing.

The Three Piggy Banks

Tithing. There is a so-called Universal Law of Giving and the Law of Karma. Kiyosaki said that over the years, many of the richest people in the world began their lives with the habit of tithing. He says that, “God does not need to receive, but humans need to give.”

A lot of successful people have their foundations in one way or another. They believe in giving to churches and charities. Look at the two richest people in the world, Bill Gates and Warren Buffet. They have founded the Gates Foundation, the world’s largest private foundation giving an annual minimum donations of over US$1.5 billion.

God is the ultimate business partner. Kiyosaki says that, “God is my partner. If you don’t pay your partner, your partner stops working and you have to work ten times harder.” Abundance is God’s gift to humans. Ideally, it is being advised that at least 10% of our gross income should be tithed.


Savings. Bank number two is the one where we are accustomed to which is allotted for savings. As a rule of thumb, we must have enough savings equivalent to 6 months up to one year of our expenses ideally allotted for emergency funds. This can be done by paying ourselves first. If expenses went up on a year, then the amount that should be allotted for savings should go up accordingly.

Investing. The third and last among the three piggy banks is investing. It is this third bank that would give us the real money to begin taking risks, making mistakes, learning lessons, and gaining the experience that would stand us in good stead for the rest of our lives. Investing lets our hard-earned money to work hard for us and let it grow. Truly, money begets money. If you are new to investing and starting to put fill in your investing piggy bank, I would recommend you to read my article on where to invest extra cash.

Start feeding your piggy banks today and learn the art of saving, investing, and tithing.

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