How much are you earning per annum?

Originally Posted by Unregistered

Wife (me) 29, 13k gross.
Husband 34, 20k gross.
Both in tech.

Residential condo 1.89m
Investment condo 1.2m

No kids
1 car

Savings 100k
Investments 220k

Top up SA and SRS max yearly.

We spend very little on ourselves, eat food court every day and I take public transport to work. Husband use car for work. I come from a average family and worked very hard to double my income in a short span of a few years. Takes a lot of grit and determination, not a pretty or easy path.

Yeah, no. You sound like a fking retard when you write this, how do you expect people to believe that you make 13k at 29? 13k/annual more likely.

Originally Posted by Unregistered

thinks a conti exec sedan is a flex. no wonder my salary at 25 is more than yours at 41 lol.

Sure, it's a different world and generation nowadays. Good for you that you earn more than me at 25 but there is always another person out there earning more than you. Just enjoy what you have for now and make sure you make wise career decisions to sustain your lifestyle and accumulate more wealth for the next 40 years. All the best.

Originally Posted by Unregistered

Yeah, no. You sound like a fking retard when you write this, how do you expect people to believe that you make 13k at 29? 13k/annual more likely.

what world u living in? 13k for a specialised trchskill set at that age is pretty common.
I'm 35 and tracking close to 20k.

Originally Posted by Unregistered

what world u living in? 13k for a specialised trchskill set at that age is pretty common.
I'm 35 and tracking close to 20k.

Is that inclusive of bonus as well?

Wow! Lots of ultra high income earners... But please, check your facts. There's a limit to how much you can top up into SA. Once maxed out, you can't top-up even if you want to. So if like what some peeps here claimed, i.e., they topped up $60K/$70K per year for 4 years, they would have max out their SA by the third year (since monthly CPF contributions from income gets divided into OA, SA and MA as well).

Plus, only $7K per year is eligible for tax relief, anything above that does not provide any additional tax benefits. I made the mistake of "over" topping up my SA previously and now, I'm no longer able to enjoy this tax relief. So, if you're smart, you would have avoid making the same mistakes as me.

https://.cpf.gov.sg/member/infohub/educational-resources/retirement-sum-topping-up-scheme--a-guide

What is the maximum amount of CPF transfer or cash top-up I or my loved ones can receive?

If you are below age 55, you can top up your SA up to the current Full Retirement Sum (FRS).

Bank IT
72k
And in order to manage the budget properly, I use the budgeting app s://.jipay.app/family

Originally Posted by Unregistered

Bank IT
72k
And in order to manage the budget properly, I use the budgeting app s://.jipay.app/family

Using a trash scam budgeting app explains your dismal salary

Originally Posted by Unregistered

what world u living in? 13k for a specialised trchskill set at that age is pretty common.
I'm 35 and tracking close to 20k.

20k earners don't visit this forum u fking insecure clown ass. you're probably 45 making 2k lol

Originally Posted by Unregistered

Is that inclusive of bonus as well?

yes. inclusive, so that is not very high in the world of tech

Originally Posted by Unregistered

20k earners don't visit this forum u fking insecure clown ass. you're probably 45 making 2k lol

why do you sound so angsty? 20k earners like I said, is really not a lot in the world of tech. we work hard to earn our keep just like everyone else. if there's someone you should envy, ask the FO folks who cut corporate deals. those are the real high income earners. my annual salary is just a small part of their annual bonus. we are now in 2022, not talking about 1960s salary hor.