Simple Advice

I recently came across a powerful piece of information. It set out a template for personal financial planning and it went as follows:

  • 50% of income (max) on living expenses
  • 40% of income on savings, investments, and essential debt
  • 10% of income (max) on whatever you want

I know that there is as much personal financial advice out there as there are stars in the sky, but this particular advice resonated with me. It is so simple to understand.


(Simple to understand ≠ easy to do)


Your Unique Life is a Choice

Mainstream culture perpetuates the idea that each individual is unique. At the same time, society seems to frown upon individuals expressing their uniqueness (check your Twitter feed).

To have lasting inner peace, you must live a life that is true to your unique values, unique gifts and idiosyncrasies – your unique life. Yet, the more unique a life you live, the more of your self that you are, the more society (some people in society) will project negativity towards you. In the end, each individual, whether they know it or not, makes a choice, and bears the cost of their choice.

Either you do not experience lasting inner peace, or you experience the disdain of society.