Hello Uncle MK,

Can I ask why you put so much of your liquid assets into fd and tbills? Very low returns...

My net worth seems similar to yours, but I guess my situation not quite the same. I am in my early 40s but retired already. Married but no kids. My investments are in bonds, stocks, pe, and some derivatives. My yearly returns is around 250-450k but expenditure about 200k. Drive a merc and stay in condo. All paid up.