Financial Planning only for the rich?

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

The longest distance between knowing it and doing it.

We never lack knowledge and information because there are 800 million videos and 37 million channels on YouTube. I am very sure you can find any answer on YouTube except those illegal topics.

Therefore, what is the distance between knowing something and doing it? The length of the distance is measured by the amount of willingness. In short, how badly you want it. The distance does not change according to the amount of desire, but in perspective, it does feel shorter. We might be knowing too much and that knowledge might stop us from doing it. Knowledge becomes a burden in this context. But without knowledge, we are flying blindly into the unknown. The solution is to learn from others' experiences. That is a much smarter way to learn and remember to do it.


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