If you want to get out of poverty and stay out, one of the best things you can do is get the right education and training. YES!!! Correct education is not important but is vital.  Have a plan – Clear, Concise, Compelling, Consistent & Committed. Be educated right from the start.


  1. Investing
  2. Savings or
  3. Risk Management (Insurance)

I started to ask my friends and the people that I come to meet with; their answers is always Investment.  The Wise and Foolish Builders –  “Therefore everyone who hears these words of mine and puts them into practice is like a wise man who built his house on the rock. What does this statement means? 

“Therefore everyone who hears these words of mine and puts them into practiceis like a wise man who built his house on the rock.  The rain came down, the streams rose, and the winds blew and beat against that house; yet it did not fall, because it had its foundation on the rock. But everyone who hears these words of mine and does not put them into practice is like a foolish man who built his house on sand.  The rain came down, the streams rose, and the winds blew and beat against that house, and it fell with a great crash.”


Start your journey with RISK MANAGEMENT – don’t ever make the mistake of getting into any program till you establish a solid foundation and that’s RISK MANAGEMENT (Appropriate life insurance to protect your interest)


Start with “SAVE-ACCUMULATE-INVEST” Insurance companies offers “VUL PRODUCT” which is pretty good I should say – but is only good for younger investors. For the Older folks – I should say – stay with Traditional products – Wholelife not participating/ Wholelife Participating/ Endowment & Anticipated Endowment.

Get yourself a Financial Adviser who is able to guide and assist you to engage into the correct program so that you can move on and start building your Income Generating Assets to replace your present Income so that you can choose to work and enjoy your life. Remember your expenses must always be lower then you income at least by 30%. Hope you got my message.


Basically the insurance company will protect you in case: death, disability, dreaded disease and etc; while you focus on creating wealth. Nobody can ever guarantee you what is going to happen tomorrow and therefore you have an obligation to ensure that your risk are all we all taken care; REMEMBER THIS: the day when you get into trouble – everybody will ask you for payment and the only person that will pay you is the LIFE INSURANCE AGENT – SO DON’T EVER CHASE THEM AWAY WHEN THEY WANT TO MEET YOU!!

Article by: Ashok – Strategic Coach & Mentor for MDRT/COT/TOT



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