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In certificates of deposit) in the same currency. These objectives are all very clear and concise, as objectives should be. What is also important in determining your wealth Chapter 3: Your Wealth Objectives 1 17 objectives is to select only a few, high priorities and to articulate them in a clear and unambiguous manner. Business school wisdom tells us that our goals should be SMART: Specific, Measurable, Achievable, Realistic and Timespecified. This test is well worth applying to your own wealth objectives.

You can now calculate the money you will have available for savings and investment by deducting your total expenses from your net income. While this mathematical calculation is quite correct, there is another way to look at the numbers. Putting the same words in a different order can place the idea in a very different light. Chapter 4: Your Wealth Wisdom Plan 1? 27 While income minus expenses does equal savings, a much more valuable way to help you meet your financial targets is to consider that income minus savings equals expenses.

This is even true in the family of the head of one of Japan's largest stock brokerage companies. In contrast, women in some countries are deliberately kept in the dark about important financial matters and are only given information about, or control over, the day-to-day household budget. The omnipotent husband or father controls all other expenditure - and all other aspects of family economics regardless of whether or not the women of the family are more capable of planning, earning, spending or investing money.

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