Table of Contents

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Key to a great relationship and a happy marriage...

I BELIEVE THAT WE MUST GIVE 100% (our all) REGARDLESS OF WHAT WE GET BACK.
WE MUST TALK ABOUT EVERYTHING AND HAVE NO SECRETS.
SECRETS BREED INSECURITIES AND INSECURITIES KILL RELATIONSHIPS.

if one gets nothing back…
any relationship or marriage is like an investor,
at some point they would like a return on their investment
is it worth it to continue investing or is the investment dead?

by David Maree

Remember to always...

…there's NEVER too much of these.

DOES THE OTHER PERSON MATTER TO YOU?

Show them !!!!

FINANCE

Relationship KILLER

Financial Teamwork is a Relationship SAVER

A quick look at two popular budgeting frameworks for managing personal finances:

Category 50/30/20 Rule 75/15/10 Rule
Essentials 50% – Needs 75% – Core Expenses (Living Costs)
Housing, utilities, food, transport Rent, bills, food, essentials
Minimum debt payments
Wants 30% – Lifestyle 15% – Discretionary Spending
Dining out, hobbies, entertainment Non-essential shopping, entertainment
Vacations, subscriptions etc.
Savings & Debt 20% – Savings & Extra Debt Repay 10% – Savings
Emergency fund, investments Emergency fund, retirement, etc.
Extra loan payments

Key Differences

Tip: Choose a model that fits your lifestyle, income level, and financial goals. You can also tweak either rule to build your own custom ratio.

It's all about creating a balanced and practical plan for your money.

Fun Fact: The Power of Wealth (And What *You* Can Do)

There are approximately 3,028 Billionaires in the world, controlling US$16.1 Trillion in total net worth.
Not impressed? Let's go bigger:
There are over 58 million Millionaires globally (yes, each billionaire is technically one of them too), together accounting for a colossal US$213.8 Trillion.

Imagine This

What if just 10% of that total wealth went toward global betterment annually? * Solar infrastructure. * Environmental restoration. * Public health and education upliftment.

The world would be transformed, year after year. But… that's not how it's going (yet).

Here’s the Real Takeaway

We can't all be billionaires. We can’t all be millionaires. But each of us can do something.

Take this example:
In 2019, my family and I donated trees to a nature reserve.
In 2029, those trees will be converting 980 tons of fresh oxygen per year.
That’s real. That’s making a difference for the benifit of….

→ Everyone can do something. Start where you are, with what you have. The world needs *you*, not your millions.

A broad‑leaf Yellowwood that escapes logging, lightning and wind‑throw can easily reach
600–800 years, quite possibly over a millennium;
the best growth‑rate data suggest an absolute biological ceiling somewhere around 1 200–1 500 years
Anything beyond that has not yet been scientifically confirmed.

Seed condition Clean seed mass per tree (kg) Approx. viable seeds / tree / year*
Normal year 2 – 4 kg 3 400 – 11 000
Good “mast” year up to 10 kg 17 000 – 28 000

*Rounded from:*