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One might get excited about the idea of an early retirement, but to actually make it happen requires careful financial planning and some practical money skills. In this article, I will list down 17 practical money skills that will set you up on path for early retirement and financial independence. 1. Make a written plan Making a plan only in mind is not the best way to go about retirement planning. Whether you believe it or not, you cannot simply tread on an unplanned road and expect to reach the right destination. It would just be akin to playing your luck rather than “planning”. You must remember that financial success is a choice. Each financial decision that you make every single day will determine closer or farther you are going from your goal. Invest time in writing down your financial goals so that they can materialize over time. Remember that you are not simply aiming to jot down some words of motivation through this plan. Instead, the aim is to define each and e...

Spiritually speaking, it is said that even before you were born, the name of your spiritual half has been determined. Each soul has a perfect match… your soulmate. Although most people think of a soulmate as a perfect harmonious union of bliss, your true spiritual soulmate is the person who is intended to help you “complete yourself.” Jerry McGuirewas right – soul mates complete each other. A person is unable to complete his mission in life alone. Everyone needs someone to help them become a better person. This is not always a blissful experience. Being in an honest, sincere, and committed soulmate relationship helps you to become a better version of yourself. You have to push yourself beyond your comfort zone, beyond your limits to find your better self. Even though we tend to think of soul mates as a symbiotic union; soulmate relationships can be rough at the beginning. They can be like two jagged edged puzzle pieces trying to click into place. Sometimes ...

How  often do you think about your brain? Do you ever stop to marvel at it’s incredible power and supreme cleverness? Or at least check in and give it a little spring clean and a re-furb from time to time? If you’re like the majority , then your answer will be “no”. Astoundingly, we only use around 10% of our brains, yet we seldom think to invest in a little training every now and then. For a long time, scientists believed that we were stuck with the brain we were born with! Luckily for us, that hypothesis has gone out the window! Enter  neuroplasticity  – a new theory that has proven one very incredible fact:  Our brains can change This means, if you’re not very intelligent in one area – that’s OK! You have the option to literally ‘change that area of your brain’ through some little training. For example:  Your brain is a muscle. You need to exercise it regularly. The exciting thing is that you don’t have to be a millionaire to increase y...

Kate is a hard-working manager working at a startup company. She toils at work but gets that nagging feeling that she’s missing out on living her life. And then perversely, when she’s not working, she tries to switch off ‘work-mode’ to enjoy her passions, friends, family… but eventually she finds that she just doesn’t have the energy. Many people are like Kate, misunderstanding the true meaning of work life balance. They try to keep ‘work’ and ‘life’ separate, but this brings undesirable results. Where the Curse of Work Life Balance Begins Those who are trying to maintain a work life balance only by dividing their time – by driving a sharp wedge between work-mode and life-mode – are inadvertently dividing themselves. When people juxtapose ‘work’ and ‘life’, they unconsciously think in terms of ‘work’ versus ‘life’  – and are constantly forced to choose one at the expense of the other.  In this framework, a gain on one side is always a loss on the other sid...