Getting Started

Many of us have been brought up thinking that when we hit a certain age, it is time to retire and rest on our laurels. That is true to some point provided if we have the funds (from our hard-earned savings) to rest and not work for the rest of our lives. With each postponement of retirement age, escalating living costs and increase in life expectancy, will we ever reach our target savings and retire without exhausting all our savings before we kick the bucket? Grim thought indeed. So instead of looking forward to retirement these days, people are grasping for financial freedom.

Financial freedom has different meaning for different people but essentially it is to be free from having to worry about life’s necessities and wants and knowing that you no longer have to work for your keeps. The subjective part of financial freedom being what you dictate is a necessity and what is a want. For instance, Mr. A may spend $200 monthly on his food expenses because he chooses to cook his food at home, while Mr. B indulges $800 monthly on takeaways and dining at restaurants. However when these two people achieve financial freedom, what they have in common is that they won’t have to work in order to pay those bills and they are certainly not settling for less.

So how does one go about achieving financial freedom? Assuming Mr. A and Mr. B have the same level of income and all other repayment being equal, then Mr. A is already ahead in his savings because he saves an extra $600 per month. Mr. B, which most of us can identify with, has two options.

The first option for Mr. B to consider is cutting down on daily expenses and lifestyle expenses. In this example, what he has to do is to reduce his joy of eating out and perhaps start doing a little bit of cooking at home to boost his savings. But in real life, what this translates to is moving to a smaller house (or a different neighborhood altogether) or driving a cheaper car or something similar in nature. Certainly, we have not forgotten societal pressures, which could deter such drastic changes. Mr. B’s spouse might not be so keen in alienating themselves from their social circles.

The second option is to maintain the current lifestyle, keep working and to couple that with some savings. If Mr. B is working to pay off his monthly bills, he could assess his belongings and weed out the unnecessary items and therefore cutting down on his monthly expenses. Generally, he should not be spending more than 30% of his net worth on luxury items.

Once Mr. B manages to generate some savings, what he can do is to organize his savings into three parts. The first portion should be allocated for investment purposes, the second portion for rainy days and the third for indulgences. Since we’re on the subject of savings, therefore the lesser he allocates his money for indulgences the better it is for his pocket in the future. Delayed gratification is crucial, as humans’ biggest barrier to savings is not spending within their means.

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