Digital Way of Ipon Challenge 2021 Ipon challenge is a trending topic at the start of the New Year. I see a lot of posts on how to be successful in doing the challenge, how much to save in an ipon challenge, how effective the ipon challenge is. For me, it is alright to save money for emergencies. However, I see the ipon challenge as a challenge to save money that we can afford to forget and not use for at least a year. So, why not maximize the benefit of saving money? Given the COVID-19 pandemic, there are a lot of banks and mobile apps that allow you to easily handle your flow of money. You can quickly order and buy online, pay bills, and transfer money from one bank account to another. Most transactions are about money flowing out. If you will look closely, you can save more online by keeping your money in your bank account and investing it. If you can save more than Php 60,000 per year for the ipon challenge, then imagine the earning if you will put your cash in a trust fund or...