The document discusses achieving financial freedom through disciplined savings and investment. It emphasizes putting savings first by subtracting savings from income before expenses. It outlines three steps to financial freedom: plan where you want to be in the future and your current situation, save money systematically, and invest savings. It identifies common obstacles to savings like procrastination and poor spending habits. The document also addresses calculating savings goals based on interest rates and competing financial goals.

1. Lehman's Financial journey

2. Be Disciplined!
Income – Expenses = SAVINGS x

Income – SAVINGS = Expenses
PUT SAVINGS FIRST.

3. Man
At Work
1
Man & Money
At Work
2
Money
At Work
3
FINANCIAL STAGES:
- Where do you want
to be in the future?
- Where are you now?

4. Plan
1
2
Save
Invest
3
Three STEPS to achieving
FINANCIAL FREEDOM:

5. Procrastination - delaying savings or
putting savings off for another time;
Poor Spending Habits –
includes spending on
unnecessary items; impulse
buying; hedonistic lifestyle
OBSTACLES TO SAVINGS

6. Investment at Different Interest Rate
Can we save this req. amount at low expected returns?
*And we have other goals to achieve

7. Investment at Different Interest Rate

8. INVEST N RICH LLP
Mr. Prashant Pawar
Money and Life Coach
Mob. – 95 11 850397
Mail – investnrich@gmail.com