Speaker: Mr. Vimalathithan Natarajan Transparency on finances with Spouse is very important (Secrets kill intimacy) Financial discipline Training your self to conform within a plan with regards to your finances. A plan on your spending and your saving. You need to set the rules! Needs vs Wants Needs are things that we must have in order to survive. Wants are things that we like to have but one can live without it. Eg. Eating out in expensive places, branded goods Financial accountability In the early stage, need to have a credible, older go to person for sharing your financial plans In families Husband & Wife should work together on all aspects There should be complete transparency & honesty with our spouse If they aren't convinced, don't do it There is wisdom in the presence of many counselors (Proverbs 11:4, 15:22, 24:6) 3 to 6 months of your monthly income as a contingency fund... Live with contentment Short-term plans 1 to 3 years Med...