JOURNEY

Money and Time - are the two most essential resources in the world.  You can decide which one you want to value in any given situation.  Do you have limited money or time?   People often say they have limited money.   The time you have on this Earth is finite.   The time you have to do anything meaningful before aging is even more limited.   You may be unable to spend money and choose to spend time.   However, when you have the means, consider spending a little money to gain time.   You don't need to search for unbelievable deals for hours that cost you more than the savings you achieve.   You might be unsure how to utilize that free time you've just purchased, potentially undervaluing it and instead focusing on savings.   To truly value your time, you need to cultivate a mindset.

Every decision has two sides: you and your environment . The first aspect is internal—you. You consider your desires: What do I want?  The second aspect is external—your environment. You think about how your decision will affect your family, the people around you, and even the world. A good decision takes both into account—you and your environment.  How do you truly understand your environment? How do you even understand yourself? You might think you want something, only to realize you don’t after you’ve got it. People around you might say they need that shiny new thing, but they never really did. If I want to go to Mars but my wife disapproves, then the decision will not work because I want both of us to be happy there. 

If you invest first and then spend your money on expenses, you will do better. Now if you want to invest first regularly, you need a system.  It should be automatic.  It should not depend on you to act every month. An auto-debit to an investment or savings account works well.  Manual investing after expenses doesn’t work consistently. Wealth grows over time when you invest a fixed amount each month.

People naturally gravitate toward negativity, whether by choice or influence. We may deny it, but we often construct castles of doom and gloom in our minds. Conversations are no different—negativity dominates. Talk about politics often devolves into bashing the other side. In a world saturated with bad news, negativity feels like the default. But is this the end of the world? Are we truly at the mercy of this toxic energy? The answer is complicated. You can’t eliminate negativity entirely, but you can start to reclaim control. Here’s How: Audit Your Conversations Observe the tone of your interactions. After a meeting or call, ask yourself: Do I feel drained, angry, frustrated, or helpless? If the answer is yes, recognize these conversations as toxic to your mental well-being. Shift the Narrative If someone keeps bringing up the same negative topics, address it. Change the subject or gently challenge their focus. Curate Your News Intake The media thrives on negative headlines because th...

Regarding Personal Finance If you want to save or invest money, it’s difficult to do so after you’ve spent it all on expenses. Your income may vary—sometimes you’ll have more, sometimes less—but the challenge remains. The best approach is to prioritize saving or investing first. Allocate a fixed portion of your income for savings or investments as soon as you receive it, and then use the remaining amount for your other expenses. Start small, remain consistent, and gradually increase the amount over time. This is why countless financial advisers emphasize the principle of “pay yourself first”—secure your financial goals before addressing other expenditures. Regarding Personal Energy If you want to accomplish something meaningful in a day—like writing an article, reading a book, conducting research, or completing an important task—you should aim to do it first thing in the morning. Tackle it when your energy is high, your mind is fresh, and distractions are minimal. The same principle as...

Let’s talk about house remodeling. You are not just remodeling the house; you’re also reshaping your lifestyle. Changing a lifestyle is challenging. Depending on your culture, the number of people involved, and their age groups, it can become even more complicated. You might solve one problem but inadvertently create another if all factors aren’t considered. Did you remove that open shelving space without accounting for the 1,000 things it was being used for? Essentially, you’re asking people to adapt and change.