小明的情况概述

小明出身于米农，家境清贫，一 小明的条件
心想做出改变于是出了城去投靠
亲戚。恰巧遇上了MCO，而作 ➢ 住宿：首年免租 隔天小明在亲戚店铺看到
为鸡农的亲戚自身难保，但还是 （住宿问题解决） 价钱表
有多处房产。亲戚只能提供小明 ➢ 资源：家里提供每日两餐
栖身之所，但有附带条件，那就 （但不能长期只吃白饭） 鸡蛋 母鸡 公鸡
是首年免租，来年月租100块钱。 ➢ 财务：身上只有10块钱 1粒 10仙
小明无奈只能接受，现今身带10 ➢ 人脉：鸡农亲戚 40块 60块
30粒 3块
块，该何去何从？ ➢ 工作：无
360粒 36块 20块

功课一：FQ题目
黑卡課堂037期：我怎么才能退休系列 - 基础篇

请以你的财商智慧（Financial Quotient）尽可能的为小明安排以
后的日子，让他拥有美好的未来。
Overview of Xiao Ming’s situation

Xiao Ming came from a poor rice farmer family Xiao Ming’s Condition
background. As he made up his mind to change What Xiao Ming saw in his
his life, he went out of town to find a living ➢ Accommodation：Rent-free for relative’s shop
with his relatives. Unfortunately, he met MCO,
first year Price List
and as his relative who works as chicken
farmers themselves were difficult to sustain, but ➢ Source：2 meals of white rice Egg Hen Rooster
they still own a few properties. Relatives can provided each day
only provide Xiao Ming shelter, but with the 1for
（but cannot consume rice only）
condition that while the first year he gets rent- 10cents
free, the following year rent will be RM 100 per ➢ finance：only have RM 10 cash RM 40 RM 60
month. Xiao Ming has no other choice but to ➢ connection：relatives who are 30 for
accept. Now with only RM 10 in his pocket, chicken farmers RM 3
how can he make a way out?
➢ work：none 360 for RM 36 RM 20

Homework 1: FQ Question
Black Card EP 037：How Can I Get Retired – The Foundation

Please use your financial wisdom to arrange as far as possible the future
plan for Xiao Ming, so that he can have a better future.