Financial Situations: Graduan orang begini... kita bagaimana?

In his book titled '13 Qualities Winners Share', Bay (2005) reported the following:
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Harvard Business School studied the financial situations of their graduates, all of whom would be considered successful people. This study found that 10 years after graduating from Harvard:

• 27% needed financial assistance.
• 60% were living paycheck to paycheck.
• 10% were living comfortably.
• 3% were completely financially independent.

This study also explored whether the graduates set goals for themselves:

• The 27% had absolutely no goal-setting processes in their lives.
• The 60% had basic survival goals, such as living paycheck to paycheck.
• The 10% had general goals; they thought they knew where they were going to be in the next five years.
• The 3% had written out their goals and steps to reach those goals.

After reading the above discussion, please think about yourself and your friend(s). Which group are you and your friend(s) belong to?

Indeed, what you should do is as follow:

Writing something on paper - even something minimal - gets you fired up: Your written goals give you a standard to meet. They make you accountable because when you look at them later, you can see whether you followed through.

Reference & Source: Bay, T (2005) 13 Qualities Winners Share. Petaling Jaya: Advantage Quest

.ZMS