Financial Planning only for the rich?

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I was fortunate to join the financial industry when I graduated. I learn a lot about financial planning and management knowledge and practice some of it. I want to share with you today one rule that I have practised since then, which is to pay yourself first. When you receive an income, pay yourself first. What does this mean? It means paying yourself first as a saving for the future or a sum of money you set aside for a purpose, such as savings, buying a toy, buying something, a holiday, etc. We do have to remember one of the reasons we work is to enjoy life. You will develop such a habit and high discipline as time goes by. Today, I meet a person who save a small of money for years so that he can buy a Microsoft Surface Pro 7 for his wife. It struck me when he hand me a stack of hard cold cash. I told him that I received his payment with a heavy heart. I can feel the sincerity and the high self-discipline over the years that he save enough money to buy this item. I wish him the best

Do you really need a step counter?

Since when did we start to care so much about our health and start to do step counting? It was only popular with professional and hardcore runners and that type of watch is not cheap (now still expensive).

Oh well, due to consumer technology advancement, it seems like everyone does have a smart tracker device with them. So, today, I want to try out something new and not so popular yet brand, Coros Pace 2. I do love this watch and please continue to watch if you want to know the reasons.


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