Back from my Barcelona incentive trip and decided to do some packing at home. Came across a file where I kept all my income slips for the past few years and make a pleasant discovery.
I first joined the business in late 2003 while I was in NUS year 3. Only 5 months plus to work in 2003 and my income was not that fantastic, I think I made slightly less than $10,000 that year. That was my first annual pay check.
Recently one of my clients and also a personal friend called me up and wanted to meet to talk about her existing policies. Her intention was actually to reduce her premium to the minimum.
I met her subsequently over tea to talk about the matter. “Ryan, I feel very broke!” she exclaimed this statement at least 3 to 4 times during our conversation. Before providing her any advice, I took out a cash flow analysis sheet and fill it out for her.
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