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Old 09-07-2022, 12:13 AM
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Default fintech

2020:
Me: 26, Salary: $9.9k p.m All In. Side Gig: $300, Senior Machine Learning Engineer @ Consulting MNC
Ad Hoc Side consultations that I do for extra money time to time.
Wife: 29, Salary $8k p.m, $8.8k Gross (1 month bonus) , Senior Creative Designer @ AdTech.
Sell stuff on Etsy and shopee time to time, make websites for extra cash - $$??

1 Helper, No Car. $275k Mortgage. 1 Kid.
Pay house in Cash. Re-invest OA.
Been maxing out CPF SA top up and SRS contribution for past 2 years.
Emergency Fund ~ $40k

2022:
Me: 28, Salary $15k, Side Gig: $11k p.m(Lowest) - $19k p.m(max) + Tokens/Shares of very speculative value. Lead Engineer / Entry level VP @ Bank
Wife: 31, Salary $8.9k p.m, $10.3k Gross ( 2 month bonus), Creative Director

2 Helper. 1 Car. $250k Mortgage. Owe $64k on Car. 2 Kids.
Bought Investment resort in Vietnam(Paid in full ~$68k, returns rental monthly)
Monthly Expenditure only about $6k-$7k max all in.
Sometimes more, as I'm very generous on gifts for friends, family and events despite not earning much in previous years, but the universe works wonders..

Been maxing out CPF SA top up and SRS for past 4 years. ~ $60k-70k+ each for both me and wife on SRS ($15.3k per year invested each excl investment returns)
Untouched CPF - $200k Balance when I open it today.
?? Wife CPF. ?? Wife Personal Savings
Emergency Fund ~ $50k.
$40k in Gold( Physical, SPDR, Hugo)
Stock Investments ~ $30k
Lost about $40k in Crypto, lost some in stock value when market tanked.
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