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This is a well thought out plan.
Your condo is almost paid up, this is excellent. Your annual savings is quite a lot and you will be able to save $1m over 20 years. You will have a good retirement. Well done! Quote:
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Sounds like what the Bangla workers do before the property is handed over to the proud new owners bahahaha
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Middle class family
47, quit my job two years ago to start a small business, earning $68k pa. Savings $15k pa. More flexible work schedule. Stress level down a lot. Net worth $1.7m. Built up my wealth through many successful investments. Invested my big bonuses during my previous career. My investment portfolio growing nicely. Hope to grow my small business over time. Spouse, 43, earning $100k pa. Savings $50k pa. Net worth $0.7m. Hope to grow net worth by an additional $1m over 20 years. Condo, 3 years old, paid up. Car, 1 year old, paid up. |
I am feeling very stressed at work.
Cannot sleep. Keep thinking work 7 days. Money is good $12k pm but no time for kids Should I call it quits and find another job I am 45 this yr No debt as condo and new car just paid up Two teenage kids Wife would still work. Maybe $10k pm. Her job more stable. Good bonus. Any serious advise? |
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I am feeling very stressed at work too. I am 32 year old. Work 5 days but on weekends also I keep thinking about work only. Cannot sleep. Earn $4.5k per month |
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You can also send your children and wife to school and work and fetch them home. They don't need to be in crowded buses and MRT. Their quality of life will improve. You can also save by not employing a maid nor send your kids to expensive tuition. You can teach your kids yourself and prepare them to top schools. There is a good article on Stay-at-home-dads in the Sunday Times yesterday. If you still want to work, you can go for less stressful jobs even though the pay is lower. Since you have no more big commitments like condo and car, you can afford to have a lower pay but a better quality of life which allows you to spend more time with your kids and take care of your health. You can enjoy life better as you don't know when you will die. What's your net worth? What's your wife's net worth? |
28 yo, female, single
$75k pa, ~$200k savings Stable job, decent working conditions (not too stressed nor slack) 1 car loan but less than $8k more left to pay, no other loans Living with retired parents who are pretty self-sufficient financially but not rich No plans to get married or have kids Not a spender (1 holiday a year, occasional small buys, 1 debit card, no CC) Thinking of getting a 2-br condo near mrt coz I want my own freedom to live my life. Not sure if I can afford a $750k-$1 mil condo when I reach 30. Possible to put down $200k deposit and finish paying loan in 15 yrs? Any advice? TIA. |
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You sound like a decent lady who is responsible and not spendthrift, a wife material I must say. Why aren't you interested to get married? Life is more meaningful if you have a good husband who loves you
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