i spend about $10k per month in expenses. most of it is car related, have many vehicles at home, erp, road tax, coe etc.


have loan commitments of about 80k per month, mostly housing loans. no car loans, no credit card debt.

only drive 2nd hand cars.

did not read any personal finance books, but so far i think i didnt do anything excessively.

not yet financially free though. should have been free about 10 years ago but made some poor decisions.

my plan is to get some kind of passive income of 15k per month.