Most of us dream about being wealthy at certain age. However, most of us don't really have a "plan" to get there. Often we found ourself approaching such age but the wealth we used to dream of is nowhere to be seen. To make the case even worst, many of us find our living expenses increased to a level we did not anticipated when we were younger. Things like increasing medical expenses, unexpected raise of living standards such as an expensive smart phone for every single family member and increasing education tuition fees can really spin us off track!