Turning 39, female married (dink).
Main indulgence in life is food eg. dining out on weekends (cutting down)
Little free pleasures is walking in NParks or watching vlog on YouTube.
I am looking to achieve lean FI before 45 for myself and mister so that we have the option to work a less hectic job from 45 to 65 to achieve more quality of life (time is precious). For mister, he has no qualms continuing his current job as long as he is employed. For me, due to my job nature it is pretty short lived (sales – high stress) unless I’m keen in moving to management level which I am not capable.
Only debt now is a housing that is on a 19 year loan
Short term goal
A. set aside emergency fund of 1 year (achieved)
B. liquid stock when desired TP reached
C. Topup cpf SA 7k yearly until age 43 to compound to desired FRS at 55
Long term goal
1. build opportunity fund to invest in blue chip stocks during recession (item B will go into this fund)
2. thereafter x dollars into blue chip dividend stock as a backup to self fund housing loan for remaining 12 years (or lesser) loan period as current cpf OA balance can service home loan up to 7 years (age 46) without any fresh income.