Most people want to become financially free and nothing to hide I want it also. The question is how we could make it and what would be the necessary steps that we could start in order to achieve it. Showing to you the life chart below that might tell us how our life is standing today and our future. ![age.PNG](https://steemitimages.com/DQmcJ46yfxFGhiQzVT1sG7wT56BRWih6o6kMuw8D1o9VgCm/age.PNG) The chart above is the most common event of people’s financial standing. As you can see in the chart, people income or money reserve will start to decrease at the age of 60 years old. In order to maintain the line at this age in upward or horizontal direction we need to do some necessary steps. So what will be our necessary steps???????

Age 21 to 45

Age 21 are those fresh people who had just graduated from the school. They are smart people in theoretical and ready to launch their field of expertise. They will start earning income from year 1 up to year 24 of their age. To ensure their future, they must plan it. What plan should they have to do?

Planning from age 21 to 45

Save and accumulate money

![Why-Young-People-Shouldn’t-Hesitate-to-Invest-520x245.jpg](https://steemitimages.com/DQmdnHBx6e1eNwQ2FeFJdYcYrdYuZkm483sS2fk94a6bh2W/Why-Young-People-Shouldn%E2%80%99t-Hesitate-to-Invest-520x245.jpg) – This is the best time to save and accumulate your money specially when you are single. Try to control and minimize your expenses by buying only the things that you need. I would suggest to make priority list. Here, delayed gratification gives a huge impact on your future. -

Invest Early

![actually-young-people-should-invest-in-their-401k-plans-.jpg](https://steemitimages.com/DQmcscawRhVYtrTvC9zz8NAqnwxM5E5YviKKLV49gViXpiL/actually-young-people-should-invest-in-their-401k-plans-.jpg)– Now is the best time for you to invest. The early you invest the longer time the money to grow the higher the return. There are so many investment instruments such as mutull fund, UITF, stock market, commodity and the best for now, cryptocurrencies. -

Find Good Mentor

-This will be the people whom you can get more knowledge. The people that you think the best for you to follow. The people who are very successful for long a time. -

Go out and join to Rich and Wealthy People

-You can get more knowledge with these people. They are very positive in their life. They are thinking always for an opportunity.

Age 45 to 50

This is the most challenging stage of your financial life. You should have huge money reserve and big investment capital that you had build up from age 21. To maintain your standing or become more successful, you should build up more by following below items. -

Start Building Business

![Build-Your-Business.jpg](https://steemitimages.com/DQmdC25Rq5tsi5zyk6v1XdSjMecZvT3apeXZQSCVExEJu9a/Build-Your-Business.jpg) – From age 21, you had learned enough from your mentor. You learn from him many success and mistakes from the business. The thing you should do is to counterpart and prevent that mistakes that might occur to your business. Be wise and proactive. -

Hire Smart People for Business

– Managing your business by your own is not advisable. It will make you very busy and you can’t able to think right for your business. Hire smart people to manage your business and focus on thinking of business development and improvement. -

Diversify Business

![TimeToDiversify.jpg](https://steemitimages.com/DQmQMQXBpgdTuHbcpnnXoDxCEJaFqWCwPUcij2LD19u1KXY/TimeToDiversify.jpg)- Once you had created your business and running very well. Think to diversify your business. Diversifying will make your business very strong that will able you to compete with other huge business in your area.

Age 60 to rest of your life

This age where your outgoing money are more than incoming money if you didn’t plan in from age 21.Many were afraid on how they will survive as their money is starting to diminish so fast. Let assume that you had planned it well from age 21 and you never stops earning money because of your investment and business. To maximize your income here’s the thing that you should do. -

Invest in Smart Young People

– When you become old, young people will be very much advance that you can’t compete it. They will use advance high technology system that make your business grows very rapidly. This will able you to compete with the young high technology business which will be the most profitable in future.

Goodluck steamian.....Happy Investing!!!!!!!

![happy-investing-team.jpg](https://steemitimages.com/DQmadgU1b3C4eejTCzEoTHiM9w1eaEh5B8qLnGZR2aSbiF8/happy-investing-team.jpg)