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Showing posts from February, 2019

Achieving $300k cash before the clock hits 30

When I first started blogging (cue the first blog post), I set myself a goal to save $100k by 28.
$100k cash, excluding CPF.
I achieved this at 25.

I even thought my $100k would drop downwards after paying for flat, reno, kids. But who would have known that my chance to get a flat would only happen at 27, and my savings grew and grew?

$200k at 28
At 28, I hit $200k cash savings. It took me 3 years to grow another $100k. 
If not for the fact that I've been topping up $14k annually to mum and my CPF RA/SA, spendings on wedding, house related stuff and frequent holidays, I would have much more cash on hand. But, that can't be real, that's not living - those money have to be spent.

If not for the fact that I've pumped $80k over the past 7 years into stocks, of which the paper value is now only at $60k+, I'd been $80k "richer". The converse could be said if I've great investment capabilities to grow $80k to $100k 🙃

Anyway...
As I edge closer to 30 ⏰, I've ano…

Baby or no, is that your business?

For the first 20 odd years of my life, I've walked a predictable route.

I was drilled from young that, to succeed in life, I must study hard. I didn't study hard enough to get scholarships but it was passable. I walked the standard educational route, just like everyone else - passed my PSLE, passed my O Levels, went to JC and went to the local uni.

The next was to find a job, get a flat, get married.

And have a baby.

But in this common route, there is something unpredictable and out of my control i.e having a baby (and possibly getting a successful BTO ballot, though we can always go the resale route).

If you realise, in the left column of my blog lies some goals I set back in 2016. Of which, having a kid was set at 30....because I was guessing it would not be easy to hit the jackpot after hearing stories from others.

Ever since I got married, I've received irritating comments from colleagues who are not close to begin with, asking me when I'll be taking my maternity l…