As full-time paid employees, many of our life have something in common. First, we are all working hard to earn money for others, which is our company. Secondly, we are are going to experience at least one right-sizing, down-sizing directly or indirectly in our entire career.

During the past few years, a few of my old colleagues and I have experience it ourselves. All of us lost our jobs at different times during the last few years. Two of them even got retrenched twice.

Many of these retrenched employees have good education, are hard working, they are nice family men and women. Some of them are even in senior position with good pay. They gave all they can to the company they work and made sacrifices working overtime without pay for the sake of their company.

Once the retrenched ax start to chop, loyalty and hard work have no impact on their choice of people to axed. The good life after losing your job is going to be a huge blow.

Read this Financial advice from The Richest Man in Babylon written in 1920:

"I tell you, my students, a man's wealth is not in the coins he carries in his purse; it is in the income he buildeth, the golden stream that continually floweth into his purse and keepeth it always bulging. That is what every man desireth. That is what thou, each one of thee desireth; an income that continueth to come whether thou work or travel."

Living in today borderless global economy, everyone of us must start learning how to build our own golden stream that continually flow into our pocket once we got our full-time job. The best time for planning is during when the employment rate is high and job are easily found. These are the best time that should put into good used as the threat of job loss can happen anytime.

Just like The Richest Man in Babylon, he advised that everyone should saved 1/10 of their salaried income and lived on the other 9/10. This 1/10 of our income should be put into good use such as starting a traditional business or an internet business.

According to him, business skills are learner. Yes, you may lose your business investment when you are new but that these are business experiences that every business people must accumulate. Business are one of those trade that can produce the most reliable form of income that keep flowing towards your pocket, even when you are not working.

Do you want to earn the same amount of salaried income after 40 years of working life?

or

Do you want money to work for you and generate a continuously flow of money to your pocket for life?

Opportunities for making money are always there around you. The only problems is that you MUST learn how to seek it. It will never come to you. As The Richest Man In Babylon says: "Where the Determination Is, The Way can be Found."