2020 …. How i will look ahead . ☐ Being Minimalist.- No major expenses ,No additional liability.Cut the flab. come out of living from paycheck to paycheck. ☐ Pray for a Job to go to ….even if there is a salary cut. ☐ 3 times meals & decent living -Consider blessed. ☐ 2020- 2023 – Build a corpus of atleast 40% of your monthly expenses x 24 months to surive another COVID . ☐ Kids needs to be educated on the whole situation on finiances and liabilities. ☐ Get an overview of your assets and liabilities. ☐ Update your spouse on all investments & insurances. ☐ Dont shy away from the digital transformation .. zoom , online classes , digital payment etc especially your spouses. ☐ 20% cut in your utility bills/ groceries easiest way to contribute towards a swing economy.the saved amount will easily pay for your insurance / car insurance. ☐ Be positive encourage others in need dont add onnto the problem by hall way talks and gossips. ☑ figure out alternative income source double barrel will help you throughout your life small consulting/ seminars should supplement. ☐ Limit borrowing. ☐ Understand in detail your appreciating assets and Depreciating assets . ☐ Allocate on self improvement ( gym , books , hobby). Recovery thoughts … Rahul Mathew

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Good company in a journey makes the way seem shorter. — Izaak Walton