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Achieve Financial Freedom

Wealth is the ability to generate money and achieve financial freedom. 


To live a financially worry-free life, the most important thing is to understand the value chain of wealth, which is starting from education, then career development, and after that, the personal finance including retirement planning.

Off to School


The primary purpose of education is to start a good career. Education planning is critical to academic success.


From pre-school to primary and secondary school, students will learn fundamental knowledge and some basic social and soft skills from schools.


From college and university, students will learn all the related knowledge up-to-date to the chosen field of studies. 


There are some major courses up to college: Math, Language, Science and Social Studies. Computer programming or coding could also be an important course. 

Starting from college and university, the subjects become diverse, but mostly based on the skills built during the early years of study.

Career Development

Unlike education, you may face many changes, challenges, and disruptions in your career. 


Career planning is critical to career success.


The age of Artificial Intelligence has just started. It could disrupt many industries and jobs. 


You have to keep learning, embrace changes, and be adaptable to future trends.


There are some basic career skills, like job search, resume, cover letter, interview skills, that you must be very experienced with.


Unlike education, which is primarily focusing on academic knowledge and hard skills, career development requires equivalent of soft skills, like communication, leadership, critical thinking, and decision making, etc.

Business Woman Smiling

Personal Finance

Financial literacy is very important to achieve a high-quality life with limited financial resources. 


The process of planning and managing personal financial activities, such as: income generation, spending, savings, budgeting, investing, retirement, banking, debt, mortgages, protection, insurance, tax, and estate planning, are called personal finance.    


The most important aspect of personal finance is investment, which is the critical way to achieve financial freedom and happy retirement.


Understanding some fundamental math concepts and the power of compound return is of vital importance to make wise investment decisions.

Financial Freedom

Financial freedom represents a state of being where an individual or a household possesses the financial means and flexibility to live life on their own terms, without being constrained by financial obligations, debts, or limitations.


Achieving financial freedom is a goal that many aspire to, as it promises a life characterized by security, independence, and the pursuit of one's dreams and passions.


To achieve financial freedom, you need to earn a decent salary, prepare a solid budget, and make wise investment.

Financial Independence, Retire Early (FIRE) is a movement of people devoted to a program of extreme savings and investment that aims to allow them to retire far earlier than traditional budgets and retirement plans would permit.

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