This and That

 It has been nine years since I first came to the United States. Through these years, I have gone through many different experiences. First I was a student. Next I worked in a company as an intern. And now I am about to finish my tenure with that company after 8 years of service. The one thing these years have taught me is that making money is not enough to build wealth.  Let's consider Average Jane. Jane makes $85,000 a year from her job. Her after tax take-home pay is after all the deductions is $4,500. Jane lives alone in a small town just like the one I live in. She has very little core expenses (housing, transport and food). Jane is fortunate enough to not have any student loan debt as her parents were generous enough to support her through college. She starts noticing the cash coming into her account. Prior to this moment, Jane has never had this much money at her disposal. She is unprepared. She thinks money is for spending and finds ways to spend her money on things which s