One of the early pain points back in 2000 shaped the way I looked at what are things that I value and do not value nowadays.

Back then, my parents bought a new flat and like all for flats they don’t come with much so you need to do the work.

My dad was especially looking forward, since for people their generation, big homes equate to wealth or you have made it.

Being a contractor, he proceeded to renovate our home. I learn later that the total cost was $30,000.

Now a $30,000 renovation nowadays may not seem like a lot, but back then it was definitely not the baseline cost.

Looking back, it was a double whammy because when you work on your own home as the main proprietor of your business and also the main worker, you are losing valuable income because you are not working.

Not that …