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The other day I met a friend. I asked him what he does for a living. He said he is a freelance translator and explained how he manages his work.

He then asked me what I did. I said I have online businesses.

His immediate response was, "Good on you, you know, I cannot do business"

I patiently asked him... "aren't you already working on your business idea?"

In fact, this is a common response I get from people.

Imagine not having to go to office to work instead having a work from home job? Would your life change?

Statistics has shown that 80% of people thought about starting a business idea. I remembered I had loads of business ideas running through me, things like

So why aren't we building on that business ideas?

I guess a lot of us has a phobia about business. What are we afraid of?

It was during my holidays in Bali, I was waiting with my good friend, Edmund, for our flight. Over a cup of coffee Edmund asked me, "Denver, you are successful in corporate now, can I ask you a question?"

Do you have a retirement plan?

I returned a ridicule smile and said "what do you mean retirement plan? I am only 27 years old?"

Well, do you know how much you need to retire?

Shrugged innocently.

Edmund gave me a simple way to determine this...

He said what is your current monthly income? When you retire, do you know that you will need at least that amount, if not more? Lets also assume that you retire at 60 years old and lived on for 20 years. How much would that be?

$4,000 x 12 (months) X 20 (years) = $960,000

That's close to a million!! I was astonished! I have never thought of myself as a millionaire. Have you?

Then Edmund hit under the belt... he said, "So currently, how many percent of this do you have in your savings?"

I was embrassed to reply, because as a young man, I spent almost every dollar I had going for parties, dinners etc.

Edmund asked, "How do you intend to have amount for your retirement?"

I pondered for a long long time....

Then I boldly exclaimed.... "The only way for me is to save $1000 every month!"

Edmund said "Thats a good start, lets see if it is a good plan..."

I was 27 years old. So, I would have 33 years old remaining before I retire at 60 years old.

$1000 x 12 (months) x 33 (years) = $396,000

What?? work for the next 33 years yet not having enough to retire??

Not having any other options, I tried that for a 1 year. Do you know how difficult it is to save 25% of your income every month?


After one year of trying, it dawned on me. Hey, If I just worked on how much I can save, there is a limit. What about if I focused on my income?

I thought about getting promoted again, or changing jobs... I figured, it is not going to help much.

I realised that the solution is really starting my own business.

Today, 7 years on, I have quit my job, have a distribution network of over ten thousand spanning across 30 over countries.


I knew nothing about business when I started, today, it is like a game to me. I get to enjoy the freedom that most people only dream about.




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