• Income earned
• Expenditure patterns
• Attitudes towards financial planning
• Savings allocated and allocation to investments
• Type of investments made
• Proper use of leverage could help leapfrog
• Risk appetite: Low or high risk
• Calamities or unforeseen circumstances

How to create savings?

• To upgrade or not to upgrade
• To drive or to go public
• To eat out or to eat in
• To Europe or to Bintan
• To Escada or to Metro

Review Actual Expenditure incurred, evaluate expenditure pattern

• Identify unnecessary leakages
• Identify expenses that may be postponed or even eliminated
• Anticipate any future expenditure that may need to be catered now

• Salaried vs Self employment
• Industry and potential for growth
• Acquiring appropriate skill mix to keep job or advance further
• Willingness to take up opportunity that may take you to higher job prospects
• Create income from assets