Having a savings culture is very important. Rewarding yourself first is equally important. Most people spend most of their earnings on other people/businesses(Accounts, debt, lifestyle) Most employed people spend about 11 hours away from their family to earn an income just to spend almost 100% on other people. Rewarding yourself first means you have a Retirement annuity, life cover, savings plan for medical cost, emergency funds and security for future expenses etc. See a seasoned financial advisor to assist you or contact us.