What do I begin with?

In the beginning, yes it is tough to decide what you want? I want all! But to most of us, that is not possible.

I begin with assessing what I have. Over few weekends, I put aside all documents. Saving accounts, loan accounts, epf account, all sort of accounts... Then totaled it up, there you go, that is what you have. 

My gosh, after nearly a decade of working I only save penny? Then, the sense of I must change this rushing in. Change need strong reason for it and courage to do it.