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Many friends that i know have been busy chasing/working hard to reach their retirement goal. It is a way of exchanging time for money. The smarter you are, the smarter is your per hour rate. That's life..

In the last 2 years, I had moved away from the quadrant of merely working for active income..At least, there is now some flow of passive income too..What's more important is that i'm leveraging on investments income too.You and me, we are granted with 24 hours each day. No more, no less. So, i suppose the only way i can reach my retirement goal faster is by making my money work hard for me!

I'd noticed many of the people are shy away from investments. All of us may have some bad experiences with the stock market or unit trust gains. I m no exception. However, try to
take some risks. Everyone in life needs to risk. Some take blind risks;others take calculated risks.

I spoke to many people. A lot lost money in the share market before. Thus, they had since 'quit' the game.
All of us make mistake. What's more important is, learn from each mistake and grow each lesson.

No risk, no gain. Just remember, calculated strategy.