This morning, when I walked passed a bus stop, the tag-line of one of the NTUC Income's advertisement caught my eyes, it says something like "How Will Your Future You Thank You?". The message is clear! What are we doing now will determine how our future will thank or hate us, depending on where we are then.

This applies to how we invest our time/effort in our education, health (mental and physical), spiritual well being etc.. Same thing is true if we are wasting our live away now (like partying all night long), the weaken "future you" might be strangling you (as depicted in one of the advertisement banner).

Take stock investment (or any other kind of investment) for example, we aim to gain an extra income stream (through capital or dividend earnings) so that we are relying less on our active income to sustain our future lifestyle. If we achieve our objective, ...