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18-01-2022 10:41 AM
Unregistered
Quote:
Originally Posted by Unregistered View Post
Spoken like a true foreigner pretending to be local. *Slow clap*
Actually foreign scum are the ones who take the opportunities given to them for granted. Yet the sinkie gvt continues to bend over with their pants pulled down and hands wrapped around their ankles.
18-01-2022 09:56 AM
Unregistered
Quote:
Originally Posted by Unregistered View Post
If that's the case, then so be it. It is still more refreshing than listing to barbaric dialects from individuals who think they are more deserving of executive positions just because they are born and "educated" here.

At least foreigners tend to be more grateful for the opportunity to better their lives. Whereas these locals on these forums exhibit such begrudging attitudes and petty-mindedness.
Spoken like a true foreigner pretending to be local. *Slow clap*
18-01-2022 12:18 AM
Unregistered
Quote:
Originally Posted by Unregistered View Post
See judgmental responses like these are basically useless without providing any suggestions on what to search for.

As someone saving up for a 4-5m home but with only ~0.5m of savings but high annual income, it's hard to picture what kind of financial situation should one be in before taking the plunge. This is a perfectly legitimate question by any stretch. And no, I have not yet met with a financial planner.
Bro the line items to spend on and down payment required can be easily searched online. You can just work out most of yourself via an excel and get a picture that is 90% accurate. You expect a serious answer here?

Thats why ppl say u clearly donít demonstrate the critical thinking of higher earning individuals
17-01-2022 11:36 PM
Unregistered
Quote:
Originally Posted by Unregistered View Post
See judgmental responses like these are basically useless without providing any suggestions on what to search for.

As someone saving up for a 4-5m home but with only ~0.5m of savings but high annual income, it's hard to picture what kind of financial situation should one be in before taking the plunge. This is a perfectly legitimate question by any stretch. And no, I have not yet met with a financial planner.
As someone who is clearly deluded suggest you check yourself into IMH
17-01-2022 11:13 PM
Unregistered
Quote:
Originally Posted by Unregistered View Post
If that's the case, then so be it. It is still more refreshing than listing to barbaric dialects from individuals who think they are more deserving of executive positions just because they are born and "educated" here.

At least foreigners tend to be more grateful for the opportunity to better their lives. Whereas these locals on these forums exhibit such begrudging attitudes and petty-mindedness.
ditto ditto
17-01-2022 11:09 PM
Unregistered
Quote:
Originally Posted by Unregistered View Post
Couldn't agree more. All this time the ruling government replaces each true blue Singaporean with loyal vote-giving FTs with one election at a time.

Very soon you will be living in a distinctly foreign land listening to foreign languages wondering what has gone wrong.
If that's the case, then so be it. It is still more refreshing than listing to barbaric dialects from individuals who think they are more deserving of executive positions just because they are born and "educated" here.

At least foreigners tend to be more grateful for the opportunity to better their lives. Whereas these locals on these forums exhibit such begrudging attitudes and petty-mindedness.
17-01-2022 11:07 PM
Unregistered
Quote:
Originally Posted by Unregistered View Post
Really donít sound like someone with the capacity of making 350k per annum

Many of your questions can be answered with some simple research
See judgmental responses like these are basically useless without providing any suggestions on what to search for.

As someone saving up for a 4-5m home but with only ~0.5m of savings but high annual income, it's hard to picture what kind of financial situation should one be in before taking the plunge. This is a perfectly legitimate question by any stretch. And no, I have not yet met with a financial planner.
17-01-2022 10:51 PM
Unregistered Civil servant here, 30years old currently taking home 120k pa.
17-01-2022 09:26 PM
Unregistered
Quote:
Originally Posted by Unregistered View Post
Saw someone capping at 230k in tech, cannot be lah.

Mid 30s, I am 275k right now, senior SWE at tech unicorn.

Next level will be around 400k, definitely attainable
bro, faster deliver my fries la, later soggy alr not nice
17-01-2022 08:08 PM
Unregistered
Quote:
Originally Posted by Unregistered View Post
Hey guys, I have been wanting to ask a question and hope to get some advice whether I'm overly frugal.

I make about 400k per year and I'm 32 years old.

I used to have a car for about 2 years but find it a hassle to maintain and with the growing oil prices, I decided to scrap the car. I feel a lot more free ever since getting rid of my car.

I work from home pretty much since covid.

I stay with my parents in a hdb and don't really have a desire to own a house. And yes, I don't have a house.

Am I too frugal with my money? I spend about 100k a year and save about 300k a year. I mainly spend on food and maybe buy some gadgets here and there.

The reason I'm asking is because I know of people who earn lesser than I do, but they will buy a private property, buy branded bags and expensive cars. In which I have no desire of. My only desire is to work. I feel a little strange because I hardly meet folks earning at my range or more being so frugal.
If you are not lying, then you should look into what you are spending on.

If you invest most of your salary into broadly diversified index funds, you should be able to retire in just a few years even if you have nothing at all right now.

A portfolio that gives 4% average dividends annually or appreciates at 10% (and you drawing out 4% annually) should last you forever if you put your money to work.

If you are earning 400k per year and all you do is put in the bank then you are not very financially savvy, considering Singapore's inflation rate is already at about 2%.

Not buying a house is not bad idea. You are freeing up cash to make other more profitable investments than buying a place that you will stay in (so can't rent out to make money), have to maintain and cannot be sold unless you plan to stay elsewhere. However, if you are putting off buying a house just to feel good about the amount of cash lying around in the bank doing nothing then that's not a good idea.
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