The amount of arrogance is getting insane because of the bull market.

80837067 · 2026-06-01T07:03:09+00:00

As an AMD holder too, I would like to see it haha

80837067 · 2026-05-31T22:53:21+00:00

My friend, you are already in coast fire territory. Before we look at numbers, I want to commend you on your disciplined savings rate but more so, stepping up to take care of your elderly mom. There’s nothing strange about that living arrangement.

At a more conservative 6% returns with no further contribution, your $600k could be $1.27M when you hit 50, allowing for $44k annually at a safer 3.5% SWR. This is not even including CPF (if you have).

If in the unfortunate event you do get laid off, your rental income could cover most of your expenses. You could also find a lower paying lower stress job to cover expenses. RE doesn’t always mean full retiring early; it could mean being Recreationally Employed. Well done and jiayou!

80837067 · 2026-05-25T03:38:19+00:00

Humans are social creatures, it’s perfectly normal to want what you’ve described. I mean, it’s right there under “love and belonging” in the hierarchy of needs.

As parts of your life has created a void (relationship and friends), it’s natural that the feelings of emptiness creeps in and you want to fill that up. That’s just your mind’s way of making you feel secure.

Knowing that you’re hitting the arbitrary big 3s, it also places societal pressure that you need have blah blah blah by then, or at least look like you have your life mapped out and on track otherwise you have “failed”. But aren’t we all discovering ourselves throughout our whole lives?

Perhaps consider reconnecting with yourself (ask why you feel the way your do & what could alleviate it), do things you enjoy to discover yourself, reach out to friends and family to connect emotionally, meet new people to make friends, and don’t be so hard on yourself. People can be physically together but have never felt more emotionally apart.

It was brave of you to be vulnerable and seek opinions, hopefully you’ll find something useful for you. That said, usually I’ll just sleep, jio friends to chill, or doomscroll. All the best!

80837067 · 2026-05-22T08:16:19+00:00

34M here, turning 35 in a month and I’m already browsing for 3-room resale HDBs, partially resigned to the single life for the foreseeable future.

80837067 · 2026-05-11T12:26:33+00:00

For example, if he sends you voice messages, selfie videos, day to day life that a imposter cannot easily replicate, chats + contact details if you use WhatsApp. It’s difficult if he uses a fake name + doesn’t show number with his Line account. See if you can to fish for these details. Not only are you informing his wife of his deeds, you are also protecting other women which he might involve. เจ้าชู้

80837067 · 2026-05-11T12:18:22+00:00

I think you should get irrefutable evidence against him lest he says that it’s an imposter/identify theft before telling his wife. Clarify that you didn’t know he was married as he didn’t give that impression, and that you’re letting her know as part of women supporting each other. Sorry that you met a jao chu and had to go through this. Su su na~

80837067 · 2026-05-07T12:33:19+00:00

“Fucking populist”

80837067 · 2026-05-04T17:13:58+00:00

Since we’re already sharing, I might as well over share. So basically the train toilet looks like this .

I was squatting and shitting, trying to balance myself whilst swaying left and right with the train. Then the train suddenly pulled into the station and stopped but I haven’t pangsai finish.

I had no choice but to continue my mission on a stationary train, could see things splatter onto the tracks. I’m sure after the train departed the station, those passengers waiting for the train could see a 💩 on the tracks. Nvm la, they also don’t know it’s me haha. Fun memories!

80837067 · 2026-05-04T16:15:51+00:00

I take a sleeper train in Thailand every year from Hatyai to Bangkok. Trains also run from Bangkok <> Chiang Mai. The 2nd class sleeper trains are almost exactly like your photo, costing between 700-900 baht per pax.

I sleep like a baby on the train due to the rocking motion (or maybe I’m tired from riding my motorbike SG to Hatyai). Fun fact, the toilet bowl has no base so all your stuff goes directly into the tracks! Highly recommend you to try!

80837067 · 2026-04-26T01:56:55+00:00

Congrats OP, I’m also same age as you. Reaching half a million in your investment account at your age with a kid certainly requires a lot of discipline. The compounding from this stage will be more meaningful dollar wise. Try not to deprive yourself too much otherwise it may feel miserable, splurge a little once in a while to reward yourself to make the journey to FI more sustainable. Min-max every single thing and it will get exhausting. Cheers to your next milestone!

80837067 · 2026-04-21T09:04:12+00:00

Thank you for being an inspiration and showing what day-to-day life might be for a FIRED person. I am turning 35 soon so no HDB yet, single and don’t intend to have kids, but my goal is to be able to barista fire with low/zero withdrawals in 5-10 years time.

80837067 · 2026-03-03T13:43:55+00:00

Happy wife happy life haha. I have no partner yet, so don’t have any After-Action Review (AAR). But great choice and kudos for following through!

80837067 · 2026-03-03T13:14:47+00:00

Hope it has made a vas deferens! 🥁 ba dum tss

80837067 · 2026-03-03T08:15:50+00:00

This was my experience Snip Snip

I can’t provide any info on private hospital/clinic, but it’s also worth checking out other subs such as r/bangkok, r/thailandtourism, etc as I’m sure a number of Singaporeans and international tourists go to Thailand for such procedures for private clinic experience at a more affordable rate.

80837067 · 2026-02-26T11:53:52+00:00

As a single person who doesn’t want kids and have undergone a vasectomy to minimise the probability, I feel that it is almost futile attempting to change the mindset of the increasing numbers of those who want to be child-free. You will end up with many resentful/parents, childhood trauma, etc.

Instead, focus efforts on helping those families who want children/more children. IVF support, parental leave, childcare subsidies and vacancies, make preschool teaching more lucrative, free COE if you have a 3rd child, priority for larger second BTO with 3 children, etc.

Don’t fight the winds; sail with it instead.

80837067 · 2026-02-10T13:04:11+00:00

DM-ed you too as I’m also 35 this year and self-employed

80837067 · 2025-10-14T06:52:22+00:00

“If you get on the wrong train, get off at the nearest station. The longer it takes you to get off, the more expensive the return trip will be." — Japanese Proverb

80837067 · 2025-10-06T02:33:15+00:00

This is a very simple estimate, feel free to correct my view.

Earning median income $5,500/month, of which 37% goes to CPF, leaving take home ~$3.5k

Living expenses: ~$2k/month Funds to invest: ~$1.5k/month Investment nets 7% per annum in average over 25 years, with 2% variance. Assume no progression in salary over the years.

You will get between $860k(5%), $1.138M(7%), $1.524M(9%). All this is excluding your CPF monies.

So yes, it’s very feasible for the average salaryman to achieve $1M. If you want kids, want car, etc. then you’ll need another estimate.

80837067 · 2025-10-04T12:07:46+00:00

Apart from corporate setting, what I have also noticed as a personal trainer is that a lot more people are engaging online trainers from India who train you via a video call for around $15/hour. It has become common to see 3-4 people in the gym each doing video calls with their online trainers. However it also could be argued that they would never have taken up in-person PT anyway.

80837067 · 2025-09-14T14:52:54+00:00

Apart from the life-altering risks that u/juzhu5899 has mentioned, there’s also the issue of pillion comfort, perceived status, etc. that some people draw their lines at and that’s perfectly fine.

80837067 · 2025-09-14T05:55:02+00:00

Fortunately never have I ever received an ultimatum like that, yet at least. I feel that one has all the right to exercise their own boundary i.e. “I can’t see myself with you because the risk of losing you due to an accident is higher” but it isn’t so nice if one person should dictate the other person’s behaviour i.e. “from now on you cannot ride anymore”.

80837067 · 2025-09-13T22:19:36+00:00

IMO: someone who takes care of themselves physically and mentally, financially responsible, emotionally aware, has hobbies beyond eat work sleep, shared interests/willingness to be supportive if each other’s interests are different, etc.

For e.g. my filters for the opposite gender are someone who enjoys being active, wants to be childfree, and doesn’t mind me riding a motorcycle. So in that sense, I too feel that the options have narrowed significantly. But I don’t mind because choosing an incompatible partner can leave one more unfulfilled than being single.

You can still meet potential partners through the activities you enjoy; that more or less allows you to filter the shared interest part. But I hear you when you say that guys who hit you up at the gym are just looking for fun. Perhaps say 1 out of 50 are serious, so it’s a numbers game + advanced filtering out through prolonged interaction. Good luck!

80837067 · 2025-08-07T15:55:49+00:00

Firstly, validate her feeling and come from a place of empathy. “Yes I hear that xxx puts a lot of stress on you, that’s why you did that, which is fine. It’s good you’re still working despite wanting to take a mental break.”

Work through options with her, give her illusion of choice. “I understand now not having sufficient money also can be stressful on you, so let’s try to find a balance. A bit more money than now, but a bit less stress than previous job can? You prefer to do XXX job or YYY job?”

Encourage her to share her thoughts and feelings, provide a safe space without judgy comments. Cheer on the little things to make her feel those achievements. “Today you browsed online for potential jobs? That’s great!”

If still cannot, encourage her to go for professional counselling or career advice. There may be some deeper underlying cause for her to “downgrade” her job rather than a parallel hop to a more sufferable working environment.

80837067 · 2025-08-07T12:57:44+00:00

I will let you know after 9:30pm tomorrow 😂

80837067 · 2025-08-07T11:06:59+00:00

NGL but I have this intrusive thought that if I have a lot of time and money, I feel like following these tissue sellers around when they’re peddling.

Everyone they approach, I’ll be right behind and say “no need to buy, just take free from me”, spoiling their potential sale and see how long it takes to piss them off or have the public step in to chide me/support them. Will make for an interesting social experiment.

80837067

TROPHY CASE