A while back, this article appeared in CNA:
Clearly, the 5C's of yesteryear are outdated. Nobody chases country clubs and credit cards anymore. Condo and car still yes, but I think more and more people realize there are other things more important.
I propose to replace this with the 5Fs:
The 5F Pyramid
1) Financial Freedom
The foundation.
Goal: Money works for you instead of you working for money.
- Build investment income
- Remove bad debt
- Increase savings rate
- Own productive assets
- Target FIRE milestone
Question: Does this decision increase future freedom?
2) Freedom of Time
The outcome of wealth.
Goal: Control your calendar and energy.
- Design ideal work schedule
- Buy back time through systems
- Reduce low-value obligations
- Focus on deep work and family time
Question: Am I spending time on what matters most?
3) Fitness
The engine.
Goal: Build the body and mind that can enjoy freedom.
- Strength and calisthenics
- Cardio and mobility
- Healthy body fat range
- Quality sleep
- Mental sharpness
Question: Will my future self be stronger because of today?
4) Family
The heart.
Goal: Convert success into shared security, love, and legacy.
- Presence with spouse and children
- Financial protection
- Education planning
- Family experiences
- Values and character
Question: Will this strengthen the people I love?
5) Fulfilment
The summit.
Goal: Live with meaning, contribution, and inner peace.
- Purpose-driven work
- Mentoring others
- Spiritual growth
- Creative projects
- Service and contribution
Question: Why does this matter beyond myself?
I don't know about you, but after a stroke of epiphany, I realize the above 5Fs are what I have been chasing for all this time.
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