Kel Galavan

So chasing money and chasing highly paid things may not be for you.

And that's for those people.

It is really important that their financial literacy is down pat, which is I would be so on for it being told in schools because I've seen time and again working with people and in my courses that it's not necessarily the income that you bring in.

It's how you manage that income that makes the difference.

I've seen people on very modest incomes

have that amazing net worth.

And I've seen people on really high incomes and high stress jobs, and you can see that they're lining themselves up for a heart attack and they're not enjoying themselves.

Huge salaries coming in, but if they lost their job tomorrow, they're in a pickle.

But this is the thing, and strategic is correct.

When it comes to money, you need to plan.

Life will happen anyway.

But you need to think what fundamentally will give you the life that you look back on when you're in your rocking chair at 80 years of age going, do you know what?

I did that.

That was pretty cool for me.

That comes with a bit of strategy.

Yes.

Yes.

Number five is lifestyle creep.

Yes.

And this one is really hard for people because the second you pick up that lovely handheld device that we lovely call a phone, but it is the world in your hand.