so you don't have a GOAL ?

I mentioned before even if you don't have a goal, you should still do step 1 and 2 which are compulsory in Personal Finance.  All other steps are optional and subject to discussion, debate and negotiation ... The compulsory steps are;

1.  Earn an Income

2.  Setup an Automatic Saving Mechanism ( ie. Standing Instruction )

That will at least make you a millionaire when you retire. ( millionaire by the time you retire is not as much as what you think know )  Or that will help you 'lost less' by cutting the inflation effect by half !

If you want to move on to 'save more', you will have to have goals.  Else not only you may not 'earn more', you may even lose the firm fundamental ground you have built from step 1 and 2.

However, I am still not going to talk about goal yet.  Let's talk about Life instead ...

First draw a circle to represend your life ...

Then write down all the big events that Should Happen in your life ...  It doesn't matter what they are.  Just write down whatever that comes to your mind now.  They don't have to be correct and you can change later.  But you must write something down !

There you go !  You have a picutre representation of your life !

So next start think about what you like to do with your life.  What you love to do now !  Will you still do it in future ?  What are the things that you wish to do but you are not doing now ?  Start putting them into your Life Line too !

So what's next ?  Good question !  But don't ask me, ask yourself !  What do you want to get out of your own Life Line that you have just drawn.  I started this but YOU WILL HAVE TO ANSWER THIS LAST QUESTION NOW ...

...

Those who don't like circle can also draw life line in a straight line.  It doesn't matter how you draw the line, as long as you write down the big events and what you love to do now and future.

So what does your Life Line looks like and what did you get out of it ?