Hello all!

Typical Freshie @ 25 years in mortal world
Banking: 64k (after bonus)
Money: 3.5k
Stocks: 25k
Bond: 2k (one retail ungraded bond)
Cpf: 8.7k (just graduated almost a year back)

Liabilities: 0 (no car, bto, maid)
Direct expenses: 0.5k to parent at least

Peers are in hefty mortgages in EC, PC or Mickey Mouse. I simply cannot bear the risk of negative valuation when crisis hit. Residence should be conservative while excess goes to investment properties. I saw them trying to keep with Jones but steer clear.

Additional information for me, I've packed lunches to work, drink water and indulge in coffeeshops/fastfood chains as lavish expenditure. No, I don't bother competing and some mock behind my back. My purpose here is not to be sarcastic but without inheritance or whatsoever, just keep low profile and you'll reap the fruits of labor.