Money = Freedom

Money follows value-creation.

Managing money is key to managing life.

Money-Wise Insights

Pay Yourself FirstPay Yourself First

"Do not save what is left after spending,

but spend what is left after saving.”


(Born 1930)

American business magnate, investor, and philanthropist

The single most effective rule of money or personal finance is paying yourself first before spending on living expenses.

By segregating a portion of your earnings, first for yourself, in savings and investments – you ensure a happier and more confident present and future with greater freedom ahead. Although this long-term happiness and freedom comes at the cost of a short-term manageable sacrifice of a disciplined lifestyle, it more than compensates with a sustained, well-provided, and rewarding future.

Magic of Compounding

"The most powerful force in the universe is

compound interest.”


German-born theoretical physicist

Compounding means repeatedly reinvesting returns, including interest so that the balance keeps increasing at an ever-growing rate like a rolling snowball effect.

In all matters of life and money, done right and repetitively, the value and results increase progressively.

Compounding shows its true magic with time. More time yields exponentially more returns. Which is why the earlier one starts investing, the more advantages one enjoys of compounding.

Delayed Gratification

"The ability to discipline yourself to delay gratification in the short term  in order to enjoy greater rewards in the long term is the indispensable prerequisite for success.”


(Born 1944)

Canadian-American author and motivational public speaker

Delayed gratification means resisting immediate smaller, transient rewards, and pleasures for larger and enduring rewards later, such as academic excellence, career and financial success, and health and fitness.

Delayed gratification is one of the most effective personal traits of successful and wealthy people. It’s the sacrifices they make earlier in life choosing a path of discipline and hard work, and controlling impulses for immediate pleasures and leisure for the achievement of a longer-term, greater purpose or goal.

Giving & Charity

"Only by giving are you able to receive more than you already have.”



American entrepreneur, author, and motivational speaker

We are here to serve others. Our service is not limited to our paid work, but surely also extends to helping the less fortunate through giving and charity.

One of the best things you can do with your money is give some away.  Ironically, giving gives the giver more than the receiver.

Giving gives satisfaction and happiness. It has wonderful benefits to the mind and body.

Financial Intelligence

"We are all self-made.

But only the successful will admit it.”



American radio speaker and author

Financial intelligence starts with early financial education. Typically not taught in schools, financial education is best started in our teens, and we should be encouraged to keep it as a subject of life-long self-education. The early life of super-successful investors like Warren Buffet and Ray Dalio attests to this early start.

The imperative for an early financial education is aptly reflected in the quote - Those that are word-literate will work for the financially literate.

I bargained with life for a penny, And life would pay no more,

However I begged at evening When I counted my scanty store.

For life is a just employer, He gives you what you ask,

But once you have set the wages, Why, you must bear the task.

I worked for a menial’s hire, Only to learn, dismayed,

That any wage I had asked of life, Life would have willingly paid.



American poet and literary critic