# Cashflow management : analysing expenses and budget planning
# Debt management : re-evaluating existing debt
# Takaful/Risk management : understanding the need for protection
# Investment planning : the art of accumulating wealth
# Zakat/Tax planning : wealth purification
# Pusaka/Estate planning : wealth distribution
*Disposable Money-the net balance of income after deductions and expenses
*Accumulated Capital
-the amount of savings
**element of Zakat/Tax planning is not mention in illustration because it need to be plan inclusively with the other elements
