1. Health = wealth
Pray to express our gratitude and seek guidance for our aspirations.
Eat healthy food; eat more breakfast.
Smile to yourself and others.
Exercise your body and mind regularly.
Educate yourself. Nourish your mind and soul. Never stop learning about yourself and acquire new skills. Travel to learn and discover.
2. Cherish people
Be kind, empathetic, humble. “As you put more emphasis on being a loving person, which is something you can control – and less emphasis on receiving love, which is something you can’t control – you’ll find that you have plenty of love in your life.” ~ Richard Carlson.
Raise children. Children can teach us about love and many new things. They allow us to re-experience lives through their innocent perspectives.
Visit our parents or treat them trips. To them, you are always their precious baby.
3. Take risks + Focus
You can do anything, but not everything. That’s why we must prioritize.
Be courageous to follow your intuition. Pray for the right guidance, you will never know what is right for you until you do it.
“Twenty years from now you will be more disappointed by the things you didn’t do than by the ones you did do. So throw off the bowlines. Sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover.” ~ Mark Twain
The choices are wide. You can do a startup. You can pursue another degree. You can switch career.
Focus on one or two aspirations/dreams and really work towards them. Do not get distracted. Do not compare yourself to others. Seek no approvals of others. Life is a long rat race, not a short sprint. Pace yourself.
Focus on our primary strengths and maximize them, rather than rescuing our weaknesses.
4. Save + Invest
Before my 30s, I have bought hospitalization insurance, both whole life and term (up to 65 years old) insurances, and a critical illness insurance (up to 65 years old). I also bought fire insurance.
It is a relief that I have completed paying the premium for a whole life insurance, I only hope that the company will still be around and the claim process will be smooth in the future after many decades.
In summer 2015, I learned that we can buy insurance online and enjoy premium rebate. Always consider alternatives and do not regret once you have decided.
Keep an emergency fund of at least 6 months of your expenses. It is good if you can afford more.
To live a life free of (personal legal) debt, while we are always indebted to our parents, benefactors and the universe. I plan to complete paying our mortgage and continuously learn about investment. Do not invest in things that I don’t understand. Do not 100% trust stockbrokers and agents.
Continue living frugally (with small treats) even though your income has increased or multiplied.
Spend on experience (to collect memories) instead of things / clutters.
5. Stop sweating the small stuff
Things that “you think is important now will seem unimportant in 10 or 20 years and that’s okay. That’s called growth.”
When confronted with a perceived problem, ask yourself, “Will this matter a year, three years, five years, a decade from now?”
Every (unavoidable) problem (stress, loneliness, rejection, criticism, temptation) is a learning, growing, character-building opportunity.
6. Implement Limits
Say NO to people who do not treat you well, activities and obligations that do not bring value to your life.
Minimize social media (e.g. facebook) and news reading that do not add values to your life.
Less (limits in resources / time) can help us to focus in creating. For example, Dr Seuss wrote a children’s book “Green Eggs and Ham” with the constraint of 50 words.
Use deadlines. Understand Parkinson’s Law.
May you live a happy, healthy and fulfilling life!