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Do you believe the solutions of any problem is within ourselves? If you really look at it and thinks, it is. However, not everyone have capability or talents to comprehend something differently, as how professional musicians could listen and know every notes they hear or engineer and doctor could see the problems and with experience and knowledge they come up with solutions.

Continuing from the introduction from part 1, we were introduced with two awkward symbol represent the cycle of homeostasis and nutrition pyramid which described as the cycle of our financial behavior and the pyramid of financial priorities. Actually this is not my opinion but the source of the answer actually exist surround us (or within us) and what I did is to codify and look for the similarities of our condition and I believe if we implement this in our life, there will be no orphans begging for their survival, there will be less dependency to capitalism for our survival.

For the first part, we all believe our body maintained based a mechanism called homeostasis cycles and it’s automatically functioning and without consciously operate them same like heart beat. However, compared to financial cycles, it does not work the same way. It must be done manually. But do you know what the cycle component is?

Naturally most of us will behave as the arrow shown but there’s short in this plan.

First people get a job and let’s say they have acceptable pay, and they decided to get married soon. Then the male or both made a saving for their happiest day in their life. Their marriage and mostly spending almost of the savings in the end of the day of marriage. They want to buy a house, so they made another saving to put a downpayment of mortgage, hence another saving needed and the rest mostly used for daily expenses such as transportation, rental and whatsoever. They also need to pay taxes. They might purchase a medical card, however, it depends on the remaining balance every month, and lastly they solely depend on Pension Saving for their Legacy planning.

If something unwanted happen.. the system will be failed and hardly to recover.. and they went to disaster and chaos. Some of them may getting divorced or their children become neglected.

To achieve a healthy financial you need to reverse the cycle backwards.

By reversing this cycle, it’s makes you clear … on what you want to sustain and maintain.. which is the value, not money. Since in the beginning I have said money do not have value, it just temporary hold the value and circulate among us to exchange value.

So what value you are going to sustain in life is what you paid for.

Sustain food on the table even though you no longer can work due to critical illness or permanent accident injuries.

Your children’s future.

Peace of mind.

Or your principles.

Legacy planning – define what you want to contribute once you’re dead, such as through wasiat waqf, family survival, loan settlement. Discover this by your own with looking into yourself and look the people around you love.

Risk protection- protect your self to sustain and maintaining the value as you created in Legacy planning so you still could contribute even though certain tragedy happen.

Tax planning-planning tax relief from takaful

Loan and investment – balance used for loan and investment

Income-saving – by reversing the you could identify how much income you should have while still young (able to use more energy and OT)

By doing this, indirectly you have your own vision with clear mission in life.