It is not how much you earn that makes you rich. You can be earning Rs 300,000 per month, but if you are spending more than that amount, you are still poorer than the person earning Rs 30,000 per month and investing Rs 10,000 out of it.
Have a plan for financial freedom and every month first pay your asset column before making any other payments. This will soon become a habit. Your asset column is anything that gives you income - and be very clear, the big home you live in is not an asset, but instead a liability. So take regular steps forward towards financial freedom and ultimately riches.
If you need any help in building a financial plan do contact me at malgonkar@vsnl.com
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