constructing financial plan before my first
salary as a doctor next year.
expenses always increases day by day.
i believe that how much we earn every month
is not important , but how we manage it.

works smart , earn enough money.
and with enough money , i don't have to work
harder and sacrifice my precious time.


i don't think I'll be able to retain my skills as a doctor
when I get older , so i have to think of a way
to maintain my finance throughout my life.
and that is definitely not multilevel marketing.

sadly these financial skills are not taught in school.
Anyway , better start late than never.