I hope you Chinese educated, and I hope you provided advice and communicated in the language you are most skilled in. Reason being your written English is atrocious! By the way, a person who is so full of himself is usually quite despised by people around him. It is just that people are nice and they don't tell it to your face.
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Spouse, 49, earning $180k pa. Me, 53, earning $220k pa.
We have been living in our Executive HDB flat for 20 years. Now paid up, no more mortgage loan. Cash and CPF savings $800k. We target to save $250k pa for the next 10 years. Will retire at 65. Will continue to live in our flat during our retirement years. We love our home. |
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sure enough, sustainability is an issue (and proven to be so), but it's the least of concerns. everyone cares only about today because tomorrow may never come. |
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When middle-aged, got energy, got money, no time When old, got money, got time, no energy. If people earning $400K pa still need to worry so much about spending, how to be happy and lead a stress free life? For me, it's different.....I always wanted to make money so as to provide a good life for my wife, children and most importantly my parents. So I cannot understand people making so much money and still worry about not having enough. By the time you realise that you have more than enough to retire, you would have reach retirement age and realise that you could have enjoy life more when you were younger...Learn to pamper yourself......you only live once! |
Well summed up - the cycle of life.
Instead of swinging from one extreme to the other, there are many in-betweens. No need to live like a miser nor over indulge, moderation is key. But we must accept that people are all different. One person's idea of fun and enjoyment may be stressful for another. For example misers derived a lot of happiness and satisfaction in counting their money and seeing their money grow. They will be stressed if asked to spend on expensive stuff, they may see holidays as wasteful. Indeed I have come across people with such mindset. While we pity them, they also pity us - people who only feel good if we drive conti cars and stay in condos. Quote:
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You are absolutely right. I could easily buy and live in a bungalow but I chose to live in a condo. I could afford a Bentley but I chose a typical conti car. I love saving lots of cash. It gives me pleasure seeing my bank account grows bigger and bigger. Bungalows and expensive cars are a waste of money.
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Your english isn't good either, I think you should also look at yourself in the mirror.
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Looks like many successful guys boast about their financial achievements in this thread. This is expected as the losers guys just read with envy and do not share their situation. Let me share mine even though I am just the typical guy.
I'm 52 this year, and I only own a 4 room flat. I own a 8 year old car. I have no loan. My flat is now worth $500k and I have some cash and CPF. I think my net worth, including the 50% share of my flat, is only $400k. Can more of you average guys share your stories? |
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