Financial Growth


How to drive your financial growth? 


While we are postponinglife speeds by.” – Lucius Annaeus Seneca 


The mind is your most powerful asset that needs constant training. Financial Intelligence is a lifetime process of developing wisdom and experience, is about creating your own luck, having more options, and how creative you are in solving problems. More opportunities will be presented, as great opportunities are seen with the mind – not your eyes.
The financial foundation is a matter of understanding financial statements, investing strategies, a sense of the market, and the law.


Your starting path, begins with establishing and monitoring your financial and life goals: How much you should have in your bank account, what the lifestyle entails, and at what age this should be achieved – The more specific your goals, the higher the likelihood of achieving them.

Next, count backward to your current age and establish financial mileposts at regular intervals. Write it all down neatly and put the goal sheet at the very beginning of your financial binder.


Before moving on to investing realms, you need to develop habits of saving, and controlling your money and spendture. To live below your means simply means that you’re spending less or equal than you’re making each month.

Of course, living within your means requires discipline and a little sacrifice


“There is a noble manner of being poor, and who does not know it will never be rich.” – Seneca


  • Create a budget using the 50/30/20 rule. This is where you spend 50% of your take-home income on essentials like food and housing, 30% towards wants, and 20% into your savings account.
  • Save your money before you spend it by automating your savings. In other words, pay yourself first where a percentage of your paycheck goes directly to a savings or retirement account.
  • Eliminate frivolous spending
  • Delay gratification. One example would be waiting for a sale or discount instead of paying full price for groceries, clothing, electronics, or travel.
  • Change the nature of your debt. Make paying back debt more convenient for you. Examples could be negotiating a better interest rate with lenders or through debt consolidation.

He who has made a fair compact with poverty is rich. – Seneca


Money is increasing in the information age. The guiding Philosophy should be to start small and plant seeds in the asset column – Some grow and some don’t. 

Financial Growth main vehicles:

  • Real-Estate – Stable, Slow moving, and foundational 
    • Properties provide cashflow and occasional spurts of growth 
    • Steady cashflow 
  • Small-cap stocks 
    • Used for fast growth 
    • Buy high-risk, speculative private companies that are just about to go public

Lower risk with wisdom, technical knowledge, and love of the game. 


The heart is great which shows moderation in the midst of prosperity. – Seneca



Inspired by RichDadPoorDad

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