Here is some cash flow information. One is from a rich man, the other is from a middle class man. 動 動 惱, 想一想 Think about their financial situations in their future. Who is better?

Income Expenditure Income & expenditure A/CBalance Sheet Assets Liabilities A rich man’s accounts House Investment Bank Rental Income Bonus Interest

Income > Expenditure The rich man is getting richer

Income Expenditure Income & expenditure A/CBalance Sheet Assets Liabilities A middle class man’s accounts Mortgage Hire Purchases Loan Salary Mortgage payment Partial payment Credit Card payment Rent Other fixed expenditures

Income < Expenditure The middle class man is getting poorer

If you want to retire from your work earlier, then think about it, i.e. How to balance your income & expenditure. Back