PLAN

LESSON 1 / 5
TODAY'S ONE THING· The single highest-leverage move before sunset.

Hire your first worker

Save one baht today — a single one — and put it where it can work. A worker hired today is worth more than a thousand workers hired next year.

OPEN THE BUCKET →

Where should each baht go while you still earn?

Diversify across six sleeves before age math. Markets compound. Skills raise income. Derivatives come last — only with money the life plan does not need. Own businesses; do not gamble tickets.

STARTING MIX
  • SAVINGS~1%/yr
    30%

    Rainy day fund. Liquid. Available tomorrow. But it loses to inflation every year.

    cashbank accountemergency reserve
  • MONEY MARKET~4%/yr
    20%

    Short-term debt and cash-like instruments. Lower volatility, easier access, lower return.

    T-billsmoney market fundsshort deposits
  • CAPITAL MARKET~7–10%/yr
    30%

    Long-term ownership or long-term lending. Higher expected return because prices can fall hard.

    index fundsSET/S&P 500 ETFsequity funds
  • DERIVATIVEShighly variable
    5%

    Crypto, gold, options, leverage. Amplified returns. 90% of retail traders lose. Only what you can afford to lose.

    optionsfuturesgoldcrypto
  • INVEST IN SELF~15%/yr (skill premium)
    10%

    Education, skills, certifications, health. The highest-return asset nobody talks about. Compounds for life.

    courseshealthtoolscredentials
  • INVEST IN OTHERS~12%/yr (social ROI)
    5%

    Friends' businesses, family ventures, micro-lending. Social capital compounds too. Start small, document everything.

    family venturesmicro-loanssmall partnerships

‘People / business’ is ownership of productive work — café, studio, side firm — not tips on a chat group.