Holistic Review W: wealth management with natural health in mind.

    1. Perhaps the most important single factor for your health, and that of the world, is financial planning. 

In particular, do not have more than one child unless you are wealthy. Or, if you have several children, ask them to be emissaries of this message. The lack of birth control will not only limit your personal security, but is the basic gravity behind poverty, wars, epidemics, pollution and the extinction of species. These calamities can be called nature's birth control, and are one of the few instances in which we do not prefer natural methods. If you sincerely love children, then before creating one more, first buy a ticket to a poor place, find a garbage dump, and feed ten children living there. This will be both easier for you and better for the world. Also, if any politician claims the economy needs more children, but does not guarantee them jobs, housing, education and medicine, then obviously the cost is more than the advantage. Prosperity based on population growth is a pyramid scheme. We believe that one of the best things an individual can do for a nation is to plan for one's own security, so one does not create a burden.

    2. Wealth is not income, but the ratio of income to spending. 

A person whose income is one million, but who spends one million, is poor. A person whose income is ten thousand, but who spends five thousand, is wealthy. The ideal is to spend half what you earn. About half the savings should in turn be placed in low-risk investments. (Or at least 25%, or at most 75%.) Without investments, inflation will destroy savings. Investment income can count as total income, so you can spend more as investments grow. On the other hand, economic collapse is always possible, so never invest everything.

    3. Consider an MLM (multilevel marketing) program for a health supplement, if and only if you can keep using that supplement. 

MLM companies allow each buyer to be a seller, and to receive long term commissions. Because of this, MLM products are overpriced. However, some MLM products are unlike anything in stores. Also, you can consider the extra cost to be like buying a lottery ticket, except with some chance of winning. The key to success is to find one new member each year. However disregard anyone who implies that an MLM is "certain" to make you wealthier. Instead, choose a product that is "certain" to make you healthier. Then you have a win-win situation. Ideally, two friends or family members can take turns to buy the product under one account. Then, minimum requirements are easily met.

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