More than 20 years ago,  I worked in a local company and has a good Malaysian friend as lunch buddy. As a young graduate then whereas he is very experience and knowledgeable but lesser educated. In one of our discussion, we talked about stocks and he commented he don’t have enough saving to do that. I could not comprehend that time because I am just new into the job and have enough money to dabble in stock market. Fast forward today, I think there are variety of reason probably. This is best summaries by this teacher below on pitfall that can fall into us today.

Video which I thought is excellent from this Chinese Teacher who is able to collect wealth of information on why people are poor. A lot of controversy however this makes us think how to do thing more smartly. How can we not fall back below poverty line. How