Yeah, sorry it'll be more accurate to say that yes 20% goes to Tax and CPF. And I've voluntarily top-up both my CPF and husband's CPF account every year.

About being the sole breadwinner - I think it's stressful regardless of being a female or male. In my case, some days I do fantasize that I could just rely on a wealthy spouse and be a taitai. Lol.

But to be fair, my husband is quite a good catch in all other aspects. He takes care of our family and even extended family very well. It just happened that I'm the risktaker in the relationship, and some risks have paid off (and some didn't!).

So being a sole breadwinner is part of the reason why I'm anxious most of the time. They say having some money takes most of your problems away. Perhaps it's true. But in my case, it only makes me fearful of loss (I used to earn just S$700 a month, and have lost big sums on bad bets) and want to hoard more. So often depressed and cannot just enjoy the moment.

I wanted to seek therapy, but it is SO EXPENSIVE.