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Each person must have a need and hope for his future. These expectations can be realized in principle, if we have the money. Therefore everyone will be trying to collect as much money, whether it's with the right way or not. Forget about making money in a way that is not true. We only discuss the search for and manage the money in the right way only.

Managing finances is very important. Financial comes from income, and in fact there are 4 levels of income. This four level has a certain hallmark and has a specific purpose. However, the four-level management is not standard, aka everyone can manage on their own. Here are 4 levels of income

Level 1. The main income

At this level, a person's financial income derived from the routine work. If he is an employee, the salary he earned each month is the main income. If he is a businessman or trader, the main income is the profit that he earned on the sale of its products. At this level, the income earned is used for the needs of daily life, and some may be set aside for saving, and serve as a source of second income level.

Level 2. Perquisite

At this level, the income derived from sources that are not a result of the daily routine. The income earned from the additional financial resources like honorarium for the second job. If someone is good at setting aside income in the first level, then the income is used for short-term investing. For example, an employee using savings from his salary to buy a land-farm. Results from this land-farm every year is a second income level. Income in the second level is used to meet secondary needs, such as buying household items, or additional fashion. If he is smart, earnings in the second level will set to earn income in the third level.

Level 3. Medium-term investment income.

Income in the second level is used to purchase long-term investments such as buying property or shares. For one or two years, maybe he will not get any. However, after 5 or 10 years, he will earn a huge income; income from the third level is used to meet the tertiary needs like buying a car or excursion abroad. If he smart, he did not spend all the money at this level, but he set this income for capital gain income in level 4.

Level 4. Financial freedom.

Daily needs, secondary needs, and tertiary needs are met. What to expect now? If all has been fulfilled life actually already safe and comfortable. At level 4, the income earned is typically used to fulfill the desire of prestige, despite the fact that prestige can be done in the level three. Earning from level 4 income can be used as capital to explore the capabilities of themselves. For example, create a new business that requires large capital. Building a business is hopes not to lose money, but if it happens at least not be too stressed because it is not harm day-to-day finances. If someone already has a level four of income, it is as if nothing he could do. Surely everyone has a chance to get to this level four of income aka financial freedom, depending on how they manage their finances in the first level.