Financial Blue Print oh Financial Blue Print

  • Are you a spender or a saver? Why do you think that is? If you’re a saver, could you ever become a spender? If you’re a spender, do you think you could become a saver? Were your parents spenders? Is your spouse a saver? How do you feel about people who have a different attitude toward money than you do?
  • I am a SAVER, my wife is a SPENDER - conflict...
  • Should a couple have joint finances or separate finances? Some combination of the two? Does it make a difference whether the couple is married? How do you feel about pre-nuptial agreements? What’s the best course of action if one partner is a tightwad and the other a spendthrift?
  • I prefer SEPARATE finances,easy to manage since I manage most of it.
  • When is it okay to talk with friends about money? Is it okay to lend to family? To friends? Okay to borrow from them? If a friend offered a chance to get in on the ground floor of a business, would you do it?
  • This one very sensitive issue.
  • When is debt okay? Is it ever okay? What about abandoning debt? How do you feel about defaulting on loans? Walking away from a mortgage? Are credit cards okay? If so, how should they be handled?
  • I have car debt, house debt. After 10 years, I only bought a NEW CAR - from Proton Iswara to Perodua MyVi. I think I can paid off my DEBT in 7 years time which is 50 years old. My house loan debt left abt 100 k.
  • How do you feel about saving and investing? Have you begun saving for retirement? Does the stock market scare you? Do you go out of your way to learn how money works? Is it all a mystery? Are precious metals a store of wealth? What about real estate? What about bitcoin?
  • I invest in Stock, Unit Trust, Property. I prefer investing.
  • How much does the larger economy affect you? The stock market? Unemployment? Interest rates? How do you feel about taxes? Are government social programs a necessary evil or are they just evil? To what degree is your own financial fate subject to the fate of the world around you?
  • Not familiar since I am not economy student.
  • How do you feel about work? Are you willing to take two jobs (or three!) in order to achieve your goals? Are you unwilling to work overtime because it’s more important to be with your family? Are certain jobs beneath you? Are some jobs unobtainable because you don’t have the education or experience or the right social background?
  • What does it mean to be rich? Would having a million dollars make you rich? Would earning a million dollars per year make you rich? Or have you won the lottery of life simply by being born where you were born? How do you feel about rich people? Are they admirable? Are most of them crooks?
  • How willing are you to take financial risks? Do you gamble at casinos? Do you invest in the stock market? Is there a difference between the two? What about playing the lottery? Is it a tax on the stupid or is it a chance for the average joe to catch a lucky break?
  • When it comes to money, is there “women’s work” and “men’s work”? If so, which jobs belong to the man and which to the woman? Are certain financial tasks beneath you? Are you willing to clip coupons? Bake your own bread? Make your own laundry detergent? Who pays the bills in your household? Why? Do both partners understand your complete financial situation? Or is money the sole responsibility of one person in the home?
  • What must you have and what can you live without? Is cable television a necessity? What about transportation and housing? Can you live without a car? Do you need a home with a yard? Is renting for fools? Is homeownership the path to wealth? Do you plan to pay off your mortgage early? Or will you continue to refinance until you die?
  • How does money make you feel? Does thinking about money make you stressed? Does it make you happy?
  • What is money for? What is its purpose? Does that purpose change over time? Does it change as you get older? Does it change depending on where you live?

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