Just because you don't like what you read, is not a reason to call them junk. lazyplane pointed out some really good points and so did whoa. Obviously you are not a smart person, and your success may not be lasting. My advice to you is don't over spent, least you get yourself into great debt and loose the ability to repay. You have not accumulate much wealth, I do not know why you are contented at this stage, the way I see it, you still have a long way to go. Contrary to what lazyplane had mentioned, your networth is only average in Singapore, that don't put you in the top of the hierarchy. You seems to have some mental health problem too. There's no shame in seeking help from a doctor, the only shame is self-denial.