Less is more

Younger people have less money to invest. Please invest the little you can, time is on your side.

Older people have less time on their side. Please invest as much as you can, money is also a unit of time.

Those that start early with less, will outperform those that start later with more. Compounding is biased in favor of time, not magnitude.

What should be our target minimum savings?

As a guide, remember the pareto principle – 80% of your results come from 20% of your efforts. Or better still, 80% of your output come from 20% of your input.

A minimum of 20% savings upfront, is advised.

Start now. Now is the earliest you will ever get.

– Osasu Oviawe

Hard choices

Mark 3:1-6
Again he entered the synagogue, and a man was there who had a withered hand. 
And they watched him, to see whether he would heal him on the sabbath, so that they might accuse him. 
And he said to the man who had the withered hand, “Come here.” 
And he said to them, “Is it lawful on the sabbath to do good or to do harm, to save life or to kill?” But they were silent. 
And he looked around at them with anger, grieved at their hardness of heart, and said to the man, “Stretch out your hand.” He stretched it out, and his hand was restored. 
The Pharisees went out, and immediately held counsel with the Hero’di-ans against him, how to destroy him. 

Homily:
The times might seem unfavourable for doing what is right, do it anyway.
The ones that should know better, might judge you unkindly, be kind anyway.
The right choices might be avoidable, choose it anyway.
The consequences might be dire, face it anyway.

The heart is deceitful above all things and beyond cure. Who can understand it?
“I the Lord search the heart and examine the mind, to reward each person according to their conduct, according to what their deeds deserve.” – Jeremiah 17:9-10.

Hard choices, easy life. Easy choices, hard life.” – Jerzy Gregorek.