别人笑我太疯癫, 我笑他人看不穿。

When I quipped that I’ve goals to retire before 45, not many can fathom. Their eye balls almost popped out?

Our society is wired that we work till 60s and enjoy our retirement then.

Isn’t it quite sad to toil the abled years and leave the miserable last decades where one is almost withering, unable to physically carry out the things one set to do.


For me finding that pivoting point and middle path in everything matters – working a reasonably enjoyable job for as long as I can, giving me some work life balance and pay the bills while enjoying life still.


I have been a much introverted person since young but grown to accustomed to the vibrancy of the world to be outward social and much of career favors such personality.

However as I grow older, I see myself slipping into this hole back again unconsciously.

Learning to accept who I am and be what I am takes a great deal unless i am entirely not bother with the societal should bes.

I’m getting better in recognizing humans are fallible so there is no need to get anyone’s approval. Emotional well being will be a swinging pendulum if I based my actions on people’s approval which to me is not desirable.

I just need to be in the present, living it and that all it matters. 🙂

And learn not to give a f*** when necessary

Asset rich or cash rich

A 20+ year old colleague was sharing on the intention to get a house recently.

Her bf and her combined income exceeded the BTO income ceiling, hence they are toying with idea of buying a private property which I reckon would cost at least 1.5 million.

I shed a few insights to her :-

While they earn more than their peers now (which gives them more spending power) but by spending more on housing it closes up their gap of dispensable income.

Forking up cash on top of cpf to service a housing loan is not ideal because they lost the opportunity cost to invest.

Moreover using a substantial time (of your working life) to service a mortgage means no disruption to livelihood allowed unless one have enough war chest. Nobody can guarantee an earning income for decades unless one have the financial backing from family to tide through any mishap.

Even if her family are willing to sponsor some money for the down payment, they would be better off to use that money to invest or form their 12 months emergency fund (1st line of defence).

I concluded with the opinion that time and financial peace is immensely valuable. By using the time during their strong earning years to invest means they has plenty of time to compound their investment. And she will thank herself in 20 years time when she is in her early 40s while some of her peers may likely face a dead end job or a stagnant career or worst retrenchment, which she would have the choice to pursue anything she want without having to worry about expenses or cruise along still.


Mum was recently hospitalised for a heart bypass surgery at age 58. Mum is also on long term medication for her high blood pressure, high cholesterol and is currently considered a pre-diabetic.

A bit of family medical history :-

  • My maternal grandma died of heart attack before 60
  • My eldest aunt died of heart attack in her early 40s
  • Maternal grandfather died of terminal colon cancer at the age of 72.

Hence I believe genetically my siblings and I are prone to heart disease, diabetes, high blood pressure, high cholesterol (last check my LDL cholesterol is on the high side) and colon cancer.

On the paternal side, they are quite long lived and do not have major ailments or life long disease like high blood pressure. My grandfather lived till his 80s. Currently my dad is 66. He has just completed his stage 3A cancer treatment and is recovering well. He has always lead a healthier lifestyle than my mum.

By assessing parents’ lifestyle and using historical stats, I do think my dad will likely outlive my mum.

This makes me think if I’d not outlive CPF age for retirement account withdrawal and if I should tweak my strategy to not rely on CPF life payout that much as I may not live till then?

Well I guess CPF life to me is the last safety net for if all else fail in our investments and saving strategy.

If only

If only I don’t feel affected by the things that happened at work…

I look forward to the end of all these BS.

And it didn’t helped much seeing some of my colleagues being asked to go.

Careers are indeed short lived these days.

February and the rest of 2019

February has come, we are left with 10 months plus in the year.

Jan 2019

  • pumped in 7k into own CPF SA
  • have set aside 12 months of emergency fund (cash) for the family.
  • dad completed his ULAR surgery
  • saved 50% of take home salary
  • bought some bluechip (dividend share)
  • renewed nail package
  • spent a fair bit on clothings

Feb 2019

  • Dad ULAR surgery came up to 26k which is heavily subsidized due to the ward chosen, integrated private shield and medisave there is no cash upfront required. Thank God I have used my medisave to pay for their IPS premiums over the years else I would have bleed cash.
  • Mum scheduled for heart bypass surgery

Mar 2019

  • Settle accommodation/flights to Perth

May 2019

  • Explore new electricity provider plan
  • Say bye to our car, we are going carless.

Oct 2019

  • Explore renewal of home internet and paid cable TV
  • Looking to have lose at least 8 kg
  • Perth trip


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Goals for this year

  • spend less on non core items like clothings or wants
  • save 50% of take home salary at least
  • lose weight by oct 2019

Easy to be the same

I reckon it is easy to be the same with the majority but difficult to be different or rather be the minority. Peer pressure, they say… tsk tsk,

Sometimes I wonder what has conditioned most to pursue this seemingly de facto linearity of life, is it a case of capitalism and constant marketing (social media/TV/ads)? I wonder…

For example, it is assumingly normal to be married by age x with a lavish (maybe) customary wedding, overseas photoshoots, then a district X property with copious amount of money poured into renovation, driving continental cars, followed by X number of children laced with enrichment classes and shower spouses with luxury goods or families with mandate holidays and the list goes on.

Thankfully I’m pretty lazy to torture myself more than a year physically (slimming) and mentally (planning) for a customary wedding. We didn’t spent more than 5k on a sit down private ROM lunch with really good seafood course (yums!) and our overseas photoshoot was gifted by my sister (Yay, $ saved). Plus the mister never buy me any gifts more than 300 bucks (hmpf!!!) except for the engagement ring which my fat finger cannot wear now.

Our first house was a resale flat in Yishun which we should have wait out for a BTO but we couldn’t handle being 28 and living with the possessive asian parents still – it was driving us nuts. We sold for a record high profit after 5 years of living and channeled that money into our next house. We camped into my parents’ place for a year while we searched for a perfect home at a low peak market.

I wanted something less than 450k, central location and near MRT however mister wanted a fairly new (just MOP) flat with no rubbish chute in the house (OCD and clean freak he is) – that means our selection is limited. We adjusted our expectations/budget along the way and we were lucky to finally find a affordable quantum 5 year old house in central Singapore, just 200m away from the MRT with no COV! We viewed it once, and mister pestered me like a kid to exercise the option to purchase on the same day (and yes we did).

We did not skimp on renovation (basics especially) as we are a firm believer on quality materials that is functional, reliable and lasting since this is likely our last home. We minimised any customised carpentry works because we find that most workmanship is mediocre mostly even with high price paid (skilled labour is a rarity) – so doing less has a lower probability of disappointment and heart pain, hence the only fixtures our ID did in the house are the kitchen cabinets and an industrial looking clothes rod that hang in the wardrobe.

Our car COE is due this May and we will not be renewing COE or buying new car despite being fairly “reasonable” affordable thesedays by majority’s standard. Our offices are approx 15 min car ride away or 30 min train ride away and going to town is just a 15 min train ride.

Over the years, mister and I have developed a habit on spending on consumables and not things we do not need except for occasional luxuries like restaurants, wine and skincare 😛 We have all we need without sacrificing the comfort of life.

What is your experience on being different? Do share in the comments below. 🙂