说难不难！
最难的是0 到 1 的过程，只要习惯了。
100 万只是时间问题而已。
目前在 3。6徘徊。。。
加油吧！
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的确50万X0.06%=RM 30K / 12 = RM 2.5K per month 的确是很足够然一支的公财务自由。
可是真正要成家立业后生活有保障，只需100万就很足够了，
100万x0.06= RM 60K /12 = RM5K per month (1中价公寓+1本地车+两个孩子+1年两次亚洲旅游)
200万x0.06= RM 120K /12 = RM10K per month (双层排屋/半独立+外国车 （入门级-Toyota以上）+两/三个孩子+1年两次欧洲级以上的旅游)
300万x0.06= RM 180K /12 = RM15K per month (独立式/豪华公寓+外国车 （中级-Audi以上）+两/三个孩子+1年两次世界级以上的旅游)
500万x0.06= RM 300K /12 = RM25K per month(独立式+泳池或管家/豪华公寓(Penthouse以上)+外国车（高级-Ferrari以上+两-五个孩子+1年2-4次世界级以上的旅)
1000万x0.06= RM 600K /12 = RM50K per month(独立式+泳池+管家+私人保安室/豪华公寓+空中游池(Penthouse以上)+外国车（顶级-Rolls Royce 以上+两-五个孩子or领养都可以+每个月都可以享有世界级以上的旅)
1亿x0.06= RM 600万 /12 = RM500K per month (超级豪宅+私人theme park+私人飞机+外国车（顶级-Ferrari ）+1-15个孩子+领养+随心所欲的世界级旅游Xinfinitive)
的确，如果能够掌握或灵活运用cash flow的秘诀，的确能够print money from thin air .
出直jack 的blog:-
Long Term Liabilities:
- Mortgage Loan - Principal Balance (In Principal Amount, as I put the interest payment in current liabilities)
- Car Lon Balance
Current Liabilities (Expense to be incurred within 12 months):
- Living Expenses (monthly expense * 12 + annual expense)
- Mortgage Loan to be paid within 12 months
- Car Loan to be paid within 12 months
- House Renovation Expense (to be incurred next Year)
Equity = Asset - Liabilities
As you can see, I didn't include possible 12 month salary income in Current Asset, that is because I do not want to confuse myself that I can easily use that money in future. And I am going to be a self-employed person, hence I cannot calculate the salary income anymore.
I have set the finance ratio as below:
Current Ratio = Current Asset / Current Liabilities
Liquidity Ratio = Cash & Equivalent / Current Liabilities
Total Debt to Equity Ratio = Total Liabilities /Equity
Long Term Debt To Asset Ratio = Long Term Debt / Asset
Investment to Current Asset Ratio = Marketable Securities / Current Asset
Cash To Total Asset Ratio = Cash & Equivalent / Total Asset
Property to Total Asset Ratio = Property / Total Asset
