Age 26
Local uni fresh grad who is 4-months in his first job. S$62k/yr+ (pre-bonus)

Assets:
Cash - S$43.5k
Stocks (US and Singapore) - S$58.4k

Liabilities:
Personal Loan - S$14.3k (pledged cash to share financing account for 3.5x buying power in stocks investments during covid-19)

Net worth: S$88.6k

Most of it slowly accumulated when I worked during my school holidays (F&B waiter, banquet, retail, events-related), taught tuition during NS and landed a few good internships during undergrad days. Paid myself first and invested steadily since 18 in Singapore stock market.

Born and grew up in the same HDB flat in Woodlands all my life. Middle-income parents who only gave me a good education and taught me work ethics that I'm grateful for. Realised that I have to depend on myself if I want to be financially freed. Single since JC.

Wanna reach 1m by 30 but not sure how. If rely on salary may take very long. Have ample liquidity to extinguish my personal loan (1% early termination fee) but want to retain the optionality for investment opportunities ahead.

Appreciate any advice from any shifu on how to navigate the choppy waters ahead