If you have been following me and in this community for awhile, you have probably heard people or even (scammy) ads talk about the terms like financial independence or financial freedom for countless times. Here is one question that ponders me when I first heard about those terms: if we have to strive for financial […]
If you have followed me for sometime, you will notice that I have a huge portion of cash in my portfolio. I keep a lot of cash not because I can predict the next stock market crash and ready to cash in, nor I am unaware that cash is constantly eroded by inflation. . The cash […]
We have finally entered Phase 2 and finally Circuit Breaker feels like it is really ended! I hope all of us coming out from this long quarantine safe and sound and of course, accomplished what we’ve set to do. Over the past months, I have attended all sort of webinars trying to maximise all the […]
“When I save enough money then I can…” Complete the sentence with anything you want, be it retire, travel the world, start a family, blablabla, this is a statement we all hear too many times. The habit of saving is important. It is one of the most fundamental step in personal finance, and probably the […]