way 2 accumulate wealth

Wut do u think bout the financial formula???

Many people think dat the result is the same no matter we save 1st @ spend 1st.

In actual fact, one will not b able 2 save if he/she keeps spending later...

If we spend b4 deciding the amount 2 save, there is a very high chance we live w/out any savings.

That's y we always hear people complaint "money not enough".."No money"..

We fail 2 plan n the consequences is financial failure..