There is this beautiful advertisement on TV where a small boy earns his first nickel by helping a granny and rushes off to show his father his new income. He proudly tells his father how he earned his first nickel.

Financial discipline is the hallmark of independence.

The first step towards investmenting is to plan out the goals in one's life. Next, the goals should be broken into short term, medium term, and long
term chunks. Once this objective has been achieved, then savings should start for the short term, as it is for educating oneself. This has to
be given the topmost priority.

One of the ways of investments is to study for sometime then take a break from education go to the market, and earn for two, three years.
Make it an objective to save 60% of the earning for the fee and try to live with the 40% of the income. That way the major funding for
education is taken care off.

Another way of financing the education is to select an area of study which would be financed in part by investors and which would be
compensated once the student is through with his education by passing a part of his income to a portion of the funds which funded his
education. This is an attempt whereby the future earnings of the student are mortgaged to fund his present needs of education.

An education saving account is another way by which the education can be funded. This account is contributed in parts by the parents as well
the student. The earlier the account is opened the better. There are brochures and mailers received by dozen, which come with attractive offers, and which have an in-built plan of investing for the future education funds, and in exchange work for the present has
to be done by the student.

The investment opportunities can knock at any time; one should always be on the look out for sacrificing something from the present
to fund for a safe future.