Why Are We Not Financially Free?

If you have been following me and in this community for awhile, you have probably heard people or even (scammy) ads talk about the terms like financial independence or financial freedom for countless times. Here is one question that ponders me when I first heard about those terms: if we have to strive for financial […]

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Saving is Not Enough!

“When I save enough money then I can…” Complete the sentence with anything you want, be it retire, travel the world, start a family, blablabla, this is a statement we all hear too many times.  The habit of saving is important. It is one of the most fundamental step in personal finance, and probably the […]

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