Record My Cash flow lessones living Monthly Consumption - ~11K ~6k for living ~4k for eating ~1k for enjoy Emergency funds - ~30K Emergency funds are there so you don't have to pull from your investments in times of emergency ~4K/M Pension ~3K/M put >20K in retirement account each 6 months (Life) Insurance ~500/M TODO @50 Goal save 10K each month until 8M at 65 profit from economic growth diversified family trust to hold assets My-CASH