Healthy >> Wealthy.

As we discussed before, for someone who has a 9 to 5 job, in order to get out the rat race, he or she must use the 5 to 9 during the evening time efficiently and effectively to build wealth. You may choose to go to seminar to learn about investing, network with successful investor or business-man or business -women, driving around your target area with your agent to look for property, or meeting client for presentation if you have a business or in network marketing business. Each task require dramatic amount of energy, especially we just spent 8 hour in our daytime job. We could get tired and lack of energy and it will affect our physical condition to build our wealth. Tonight I want to share few things I do to keep in good shape and health, so I can have the energy to continue to build wealth tonight. No health, no wealth. Health is your greatest resource , take good care of it!
1) From time to time (if I'm not in hurried), I park my car purposely few block from the company when I go to work morning. So, I have 10 min walking each morning to work. When I leave, I also get another 10 min walking. Total I can get 20 min right there walking as exercise.
2) I go to do YOGA at least once a week during lunch time for 45 min to 1 hour. YOGA is excellent especially if you have back or neck pain.
3) I put 1 litter of water in my cubicle each day. I force myself to finish it everyday before I go home.
4) I do swimming once a week.
Discipline is the key. You can come up your own tasks. When you can practise and develop good habit to build your health, I'm sure you chance of success will be increased when it comes to your wealth.

Increase your net worth by increase your network

There is an old saying "your net worth is the average of 5 people you hang out with every single day" One of the critical factor to increase your net worth is to increase your network. I work in a traditional company where most people around me are employee type and has not much interest to create extraordinary financial success. Therefore, I like to go to seminar to meet with people, who has the similar desire like I do to get ahead financial life. Every weekend, I like to go on http://www.craigslist.com/ under event section, I search for real estate, stock, Internet business opportunity, networking group to attend. Most of the event are during weekday 529pm. I make a habit of going to event at least once a month (although I should have gone more often) to meet and network with more people. Some of the people I met become my good friend. It is fun, educational, and could be a rewarding way to spend your 529pm to develop relationship and expand your circle of friends who may give you a helping hand to build wealth. You may consider doing this activity at your 529pm.

Formula of Wealth

As we're in process to build wealth tonight, we should put some thought on what does wealth really means to us? How is it calculated? I put in some thought and want to share this simple formula of wealth which make sense to me.

Wealth= ((Money + Time) * Return) - (Inflation + Tax)

This formula apply both investing and starting a business. As you can see, one must put in either time or money, not necessarily both, as our initial contribution to build our wealth. Without either of these two components, wealth can hardly be built. The money is the amount you willing to set aside to invest or start a business. The time is the amount of time you willing to spend to do things that could help you closer to your financial goal, ex, reading my blog (529pm) :D ! The return could be postive or negative. Different vehicle offer different return, we just have to train ourselves to select the best one match our objective and yield the highest postive return. Inflation is a factor which we can't do much to control. It varies from countries to countires, in U.S, we're sitting around 4% a year. TAX is another big enemy which will erode our wealth. We must always think how to legally and ethically reduce the tax effect from the build wealth formula. There you have it, does it makes sense to you?

If you can Dream it, you can Build it!

I'm a firm believer of having a dream, in fact, a BIG DREAM. The size of your success is depending on the size of your dream. So, the bigger your dream, the higher success you
most likely will achieve! I have met many people who have a 9am to 5pm job, working few years at their work, become a very very small dreamer! They accept the "reality" and forget about pursuing their dream. In fact most people don't even have a "serious dream".
The first step in getting ahead of your financial life, is start to DREAM. Spend a lot of time defining your true dream. Once you do that, with the help of this site, I hope I can share with you tips, ideas, skills to help you build your dream at 529pm (after your working time)