They say you are the sum of the people you hang out with. The crowd you choose to roll with dictates where your life will lead further down the road. Thus, striving to be around financially-sensible people is a good step if you want to be swimming in cash in the future.

So here’s the drill: you gotta suck up to these 8 kinds of people. (Not kidding.)

You think rich people just keep all their wealth hidden in the deep recesses of their mansions, but nope! (That would just be plain stupid.)

Rich people don’t hoard or burn their cash; they invest. And for some of you who are unsure what that means exactly, it’s basically “using your money to get even more money.” And what’s better than having a lot of money? Having even MORE money. Connect with an INVEST-igator who will teach you his ways, so you can be even richer and happier.

This person will teach you the value of hard work and the traits you’ll need to rise to the top. His leadership qualities qualify him as a mentor — one who can guide you through the maze of opportunities (and threats) that you will surely encounter. And hey, who knows! He might even recruit you to work as an executive in his company. You know what they say: to earn like a boss, work alongside the boss. (Ok, no one really says that, but it does make sense, doesn’t it?)

Just like the CEO, you can learn a lot about earning through your own means from the Entrepreneur. This person is basically #goals. He doesn’t answer to anybody, he does what he wants to do, and succeeds by doing what he wants to do. If that’s right up your alley, then hang around this person and get tips straight from him! As an added bonus, if you ever choose to set up your own business in the future, he could hook you up with potential investors. It pays to have connections who have connections, after all.

The best type of people are those who talk about ideas, not about people. No, it’s not so you could steal their ideas; rather, so you can observe how they view everyday things and situations, and how they generate solutions to problems you didn’t even realize existed. The world rewards those who think out of the box. Read up on stories of young multimillionaires and see how their breakthroughs, no matter how simple, got them high-tailing to success!

Behind every successful person is a story of numerous failures. Be around someone who has stories rich in learnings and will give you the humbling wisdom you need to overcome all obstacles. He will make you realize that financial success is much sweeter when you work hard for it, rather than letting it come easy. The “Fall 7 Times, Stand Up 8” is a proof that you can go through a lot of crap in your life, but still come out on top!

You might not like having this type of person around, but you need him in your life. The Realist is the one who always gives you that hard slap of reality you never even asked for. You’ll feel like you’re always in conflict with this friend, but you know that he’s really just looking out for you. (Aww!) He does want you to succeed eventually — it’s just that he doesn’t want you to be overly confident in yourself. He’ll definitely keep you grounded with his common sense.

“Paano ka yayaman kung andami mo namang ginagastos?” Expect nothing less than a straightforward reminder from the Penny Pincher, with a matching snap in “Z”-formation. This is the best type of person to take to the mall because he’ll constantly berate you with “Hindi mo kailangan yan, bes!” every single time you’re tempted to buy something or when get distracted by a deal that is too good to be true. With this friend around, you’ll definitely learn the value of delayed gratification, the importance of controlling your expenses, and setting a financial goal, as well as the long-term benefit of not making libre the whole office on your birthday.

This person acts as though there’s nothing to worry about at all,  and with good reason. The Prepper has a back-up plan for practically everything! He has enough money saved to travel the world, his kids already have a college fund in place, and even his retirement is already well accounted for… His life is pretty much easy breezy at this point.

Jealous? Don’t be. Wannabe Millionaires don’t get jealous. Just learn the Prepper’s secrets to managing his money so you too can face the future with no fear!

Wanna get a jumpstart on achieving your financial goals? Let Sun Life Financial and Piolo Pascual be your go-to friends in planning your future! Talk to Piolo via this link: http://bit.ly/coffeewithpiolo

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Happy planning!