Julius coming over..

Julius: gud morning!
Sent at 9:43 AM on Thursday
Erman: morning.. sorry about yesterday.. jolene did call me up.. but i had a meeting.. got your mail..
Julius: don't worry about it my friend
Erman: got back home late 11.30pm
Julius: that's why you got to plan for your retirement
early retirement
Erman: heh ..of course..: )
:)
Julius: have you and ayu set your goals yet?
Erman: not yet..
Julius: i think it will be good tasks for you and ayu to do before i arrived at KT next week.
Erman: hmm.. ok..
Julius: go write down 5 important things you want to achieve and 5 important things you DON't WANT
Erman: what else..?
i have not actually had any thoughts (i mean ..writing those down)
Julius: 5 important things you want to achieve like, 1. car 2. debt free, 3. retirement etc....
Erman: just decided diamond 2008!
Julius: must forget about pins at this moment
focus on the above i suggest you to do
Erman: and i'm not sure whether that is realistic... that why i need to asked you for guide..
Julius: very simple
lets say car; be specific
what car, what model, what's the price, whats the color and when you want to own it?
don't worry about being realistic or not, I'll go thru with you when I'm there
lets say early retirement, be specific
when? and how much you need to earn in order to retire. But you must also include clearing debts.
if you are not debt free, cannot retire
got it?
as for the 5 important things you don't want can be like ...
1. No JOB!
2. Change Car!
got it?
Erman: ok..
Julius: if you can do up to 10 IMPORTANT THINGS YOU WANT TO ACHIEVE, then you can IGNORE the 5 important things you DONT WANT
Julius: once you are clear with your goals in life(your needs), we can then map all the goals to achieve in BWW (your actions) like when you will be Eagle, Double Eagle, Platinum, Emerald, Diamond and beyond...