Someone reminded me today - That I am supposed to have a plan. A plan to work towards my goal. He asked me, "What is my 5 year plan?". I was caught dumbfounded. I realised I had none at this point. As per Benjamin Franklin, If you fail to plan, you are planning to fail! I remember I used to have plans along with a certain goal: After university and getting my first job, I had plans to pay off my university tuition fees (despite a significant low pay). - I cleared them in 1.5 years. After that I had zero saving left. Then I plan to save up for an emergency fund (a low 5 figure sum) and achieved that in the next 2 years. After that I plan to create a sideline (Read here). Although it was over, but it was a great experience and ......