Recently, I have round of drinks with my friend, Terry. Terry works in the FMCG sector. He is single and stays with his parents.

One of the topics we touch base upon is wealth creation.

Terry says "Hey Ken, do you know I have a pay raise of 10%?"
Sounding happy for him with eyes light up, I reply "Great! Now your earned income base rises!"

Terry retorts back "As delighted as I am, strangely I just do not feel satisfied"
My voice chokes back - "Is it you want more? Humans are not easily contented financially"

"It's not that. It seems my personal wealth depends very much on my take-home pay. There is a price to pay when the management gives me a pay raise; that is I have to perform and meet my new responsibilities. I will work hard but the problem is, I am worried ......