This study investigates street vendors' lived experiences in downtown Tacloban City, Philippines, focusing on their economic contributions, challenges, and coping mechanisms in the informal sector. Street vendors play an important role in urban economies by making goods and services more accessible and affordable, as well as providing livelihood opportunities for people with few job options. Despite their economic importance, street vendors frequently face legal and social challenges, such as harassment and a lack of recognition from the government. Using a phenomenological approach, the study seeks to fill a gap in the literature on the financial practices and capital management techniques of street vendors in Tacloban City. The study looks into the factors that influence the prevalence of street vending, its impact on vendors' livelihoods and well-being, and the strategies vendors use to overcome daily operational challenges. The findings are expected to guide policy interventions aimed at improving the quality of life and economic resilience of street vendors. Amartya Sen's Human Agency Theory, Deci and Ryan's Self-Determination Theory, and Hernando de Soto's Informal Economy Theory all serve as foundations for the analysis. These frameworks provide a thorough understanding of the agency, motivation, and economic dynamics of street vendors. The study's findings are intended to benefit street vendors, policymakers, community initiatives, and future research by fostering a more inclusive and supportive environment for urban informal economies.