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How much are you earning per annum?

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  #12721 (permalink)  
Old 26-09-2021, 10:37 PM
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If you really feel he is such a dimwit, you wouldn’t have taken the time to reply to him.

You… actually enjoy these little interactions, right? That’s why you keep replying and the conversation continues. It would have been so easy to ignore and it would end.
Are you describing yourself?

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  #12722 (permalink)  
Old 26-09-2021, 11:05 PM
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You don’t need so much in retirement if you live a modest lifestyle

Retirement monthly expenses for retired couple
- Food and groceries = $700
- Utilities, wifi and mobile = $350
- Public transportation = $200
- Medical insurance = $600
- Miscellaneous = $150
- Total = $2000
Thanks for the advice. We do need slightly more as we have the condo maintenance fees to pay and we do plan to travel to nearby countries. $3k pm is just right for us. The most expensive expense for us was the monthly mortgage for our condo as well as car loans. Since we have paid up the condo and don’t plan to own a car in retirement, our expected expenses are much lower.

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  #12723 (permalink)  
Old 26-09-2021, 11:21 PM
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Originally Posted by Unregistered View Post
If you really feel he is such a dimwit, you wouldn’t have taken the time to reply to him.

You… actually enjoy these little interactions, right? That’s why you keep replying and the conversation continues. It would have been so easy to ignore and it would end.
But you're him lol why are you defending yourself in a 3rd person pov?

That's weird bro... but eh I guess for the same reason you feel the need to BS your salary, all good, god bless.

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  #12724 (permalink)  
Old 27-09-2021, 12:21 AM
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But you're him lol why are you defending yourself in a 3rd person pov?

That's weird bro... but eh I guess for the same reason you feel the need to BS your salary, all good, god bless.
That wasn't me, just got back lol

I feel really complimented that you think it's BS. I'm doing well then
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  #12725 (permalink)  
Old 27-09-2021, 09:30 PM
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But you're him lol why are you defending yourself in a 3rd person pov?

That's weird bro... but eh I guess for the same reason you feel the need to BS your salary, all good, god bless.
relaxlabrudder
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  #12726 (permalink)  
Old 02-10-2021, 01:17 PM
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When can a working married couple retire?

It depends on how much they need when they retire. If they eat at restaurants everyday, drive a luxury car, go expensive holidays, etc, they will need millions to sustain their retirement. However if they retire simply, they don’t need much.

Before they retire, they should clear their home mortgage. This is a big expense. Next, they need to get rid of their car.

Food and groceries for two persons costs $1000 pm
Utilities and wifi $300 pm
Medical insurance $1000 pm
Transport $200 pm
Holidays $200 pm
Miscellaneous $300 pm
Total $3000 pm

Total $36k per year

So if the couple has $400k cash, they can retire at 55 years old.

When they reach 65, their CPF Life will pay $4000 pm in total.
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  #12727 (permalink)  
Old 02-10-2021, 01:36 PM
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Originally Posted by Unregistered View Post
When can a working married couple retire?

It depends on how much they need when they retire. If they eat at restaurants everyday, drive a luxury car, go expensive holidays, etc, they will need millions to sustain their retirement. However if they retire simply, they don’t need much.

Before they retire, they should clear their home mortgage. This is a big expense. Next, they need to get rid of their car.

Food and groceries for two persons costs $1000 pm
Utilities and wifi $300 pm
Medical insurance $1000 pm
Transport $200 pm
Holidays $200 pm
Miscellaneous $300 pm
Total $3000 pm

Total $36k per year

So if the couple has $400k cash, they can retire at 55 years old.

When they reach 65, their CPF Life will pay $4000 pm in total.
Errr you posted a question and answered it yourself?
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  #12728 (permalink)  
Old 02-10-2021, 03:29 PM
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27 this year, working at big tech as software engineer. Annual compensation around 230k. 75% cash, 25% stocks.

I almost made 500k if I joined startup instead. The stock has grown for almost 9x in last 3 years. But I decided to join big tech for stability.
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  #12729 (permalink)  
Old 02-10-2021, 03:34 PM
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27 this year, working at big tech as software engineer. Annual compensation around 230k. 75% cash, 25% stocks.

I almost made 500k if I joined startup instead. The stock has grown for almost 9x in last 3 years. But I decided to join big tech for stability.
I could have made 1m at a startup. But it up lorried because the founder thought he was a descendant of Sun Yat Sen
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  #12730 (permalink)  
Old 02-10-2021, 04:47 PM
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27 this year, working at big tech as software engineer. Annual compensation around 230k. 75% cash, 25% stocks.

I almost made 500k if I joined startup instead. The stock has grown for almost 9x in last 3 years. But I decided to join big tech for stability.
So shiok, what do you spend your income on? I'm same age only making half
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