How much are you earning per annum?

If you are doing well now, I have done my job. That is satisfaction enough me.

Originally Posted by Unregistered

yah yah yah! I think you might be that teacher who had been asking us to study hard and go jc, uni and get degree.

So how much are you earning now?

Originally Posted by Unregistered

If you are doing well now, I have done my job. That is satisfaction enough me.

With teachers like you, who needs enemies?

Originally Posted by Unregistered

If you are doing well now, I have done my job. That is satisfaction enough me.

But it wasnt because of you that I am doing well now.

It was the pretty girl sitting next to me in class who motivated me.

Middle income couple
45, $146k pa
Wife, 50, $120k pa
Lives in a condo, drives a Lexus
Lives the high life, expensive holidays, branded goods
Saves only $30k pa
Our net worth is largely in our condo
Current net worth only $1.7m
We lagged behind our peers
Cos we spend a lot to keep up with the Joneses
Not a great feeling, we are trapped in this world of shallowness
I wish I could just break out of my world, sell my condo and retire in third world cities like KL or Bangkok. My condo can fetch S$1.4m or RM3.6m. I can buy a small condo in KL for RM400k and can live with RM3m till we both die at say 80 years old. Or I could invest the RM3m and live on the dividends. What do you think?

Originally Posted by Unregistered

But it wasnt because of you that I am doing well now.

It was the pretty girl sitting next to me in class who motivated me.

To be frank, it was me who had told the pretty girl to sit next to you. I saw great potential in you and realised that you will only get motivated if you are in presence of her.

To add on, I had to convince very hard to her because she did not want to sit next to an ugly guy. Nevertheless, I convinced her and the rest they say is history :-) Glad that you have benefited from my work.

41 yrs old $360p.a all in
Wife 42 yrs old also about $360p.a.

Fully paid 5 room hdb.. drives a 1.6l second hand conti..
Combined assets about 4m excluding flat... 90% cash mainly fixed dep, 10% equities (cos liquidated all earlier)...zero debt.. Waiting to invest when timing is right

Guess we are not mainstream...just waiting to semi retire at some convenient point in time.

Why earn so little? Me and wife are in our 30s, already earning $500k pa. each.
Net worth $8m plus.

Which Uni you come from?

Originally Posted by Unregistered

41 yrs old $360p.a all in
Wife 42 yrs old also about $360p.a.

Fully paid 5 room hdb.. drives a 1.6l second hand conti..
Combined assets about 4m excluding flat... 90% cash mainly fixed dep, 10% equities (cos liquidated all earlier)...zero debt.. Waiting to invest when timing is right

Guess we are not mainstream...just waiting to semi retire at some convenient point in time.

Originally Posted by Unregistered

Why earn so little? Me and wife are in our 30s, already earning $500k pa. each.
Net worth $8m plus.

Which Uni you come from?

Good for you. We are just a couple of simple local folks.

You don't have to keep up with the Joneses. Do what is right for you and family. You are actually doing ok. Just continue to work until 70, then you can sell your condo and buy a HDB studio unit for the elderly, which now costs only $70k. By then you would have about $2m, which is sufficient for an elderly couple living a simple life. You can expect to die by 85, perhaps earlier. Nowadays if you look at the obituaries, more people died earlier, in their 60s and 70s. Some die in their 50s. So don't worry too much, you may even die before you retire, save all the worry about retirement.

Originally Posted by Unregistered

Middle income couple
45, $146k pa
Wife, 50, $120k pa
Lives in a condo, drives a Lexus
Lives the high life, expensive holidays, branded goods
Saves only $30k pa
Our net worth is largely in our condo
Current net worth only $1.7m
We lagged behind our peers
Cos we spend a lot to keep up with the Joneses
Not a great feeling, we are trapped in this world of shallowness
I wish I could just break out of my world, sell my condo and retire in third world cities like KL or Bangkok. My condo can fetch S$1.4m or RM3.6m. I can buy a small condo in KL for RM400k and can live with RM3m till we both die at say 80 years old. Or I could invest the RM3m and live on the dividends. What do you think?

Originally Posted by Unregistered

You don't have to keep up with the Joneses. Do what is right for you and family. You are actually doing ok. Just continue to work until 70, then you can sell your condo and buy a HDB studio unit for the elderly, which now costs only $70k. By then you would have about $2m, which is sufficient for an elderly couple living a simple life. You can expect to die by 85, perhaps earlier. Nowadays if you look at the obituaries, more people died earlier, in their 60s and 70s. Some die in their 50s. So don't worry too much, you may even die before you retire, save all the worry about retirement.

Type and search in YouTube "Angel of death"