Saving, Investing and Building Assets

There must be lot of questions doing rounds in your head. What is personal finance and why should you care? Even if you care, where do you start? You can start with saving, investing and building assets!


“It’s not how much money you make. It’s how much money you keep.”, says Robert T. Kiyosaki in his bestselling book Rich Dad, Poor Dad.

It’s pretty simple, isn’t it? Just keep the money!

Well this is the first step towards financial literacy, learning to keep the money. Only if you save some part of money you earn, you’ll ever be able to think about what to do with it. Think about the expensive phone that you’re reading this post on, or the luxury vacation you recently took, or the expensive car that you just drove home, did you really need them? There would be many who actually got that phone on EMI and took loans to enjoy that vacation and drive that car!

What are your priorities?

Here I want to emphasize that I’m not against enjoying the luxuries of life, what I want to highlight from above examples is priorities. I believe we should enjoy all these luxuries but only when we have built enough Assets! So, our priority should be to build assets.

Do you know that investment baron Warren Buffet purchased a five-bedroom house in Omaha in 1958 for $31,500 and has lived there ever since, despite his net worth of around $85 billion! For sure he could have afforded even a royal mansion for himself, but he still preferred to keep it simple and keep building more assets.

Think about this, what if you can save some of money that you earn every month and that money can grow on itself?


It just takes a seed to create a plant but watering it for years can help it grow in a tree. And the tree can probably produce incalculable fruits. It becomes an asset for a lifetime!

Same applies to money, if invested correctly and nurtured for a reasonably long time, it becomes an asset! It continues growing on its own thereafter.

Just stop for a moment and contemplate, how much money do you save each month, or do you only have expenses? Even if you are saving, are you investing? Is your money really growing?

Building Assets

As I said at the beginning, start saving, investing and building assets.

But what is an asset? Its something which can earn money for you. An asset earns for you, it puts money in your pocket or bank account.

How can we create assets, which assets, how to choose correct asset class, where to invest? Well, stay tuned!

Your feedback, comments and questions are most welcome!