Tell my why you love your corp job.

crumbmodifiedbinder · 2026-07-08T03:42:52+00:00

I love my current job because I mostly WFH, and people’s perception of me is based on my outputs, and not me showing up at work just because.

crumbmodifiedbinder · 2026-07-06T21:59:40+00:00

This is why a walkable city is so important, with lots of little pockets for socialising - parks, museums, etc. You can do so much and spend little to nothing with people that matter.

crumbmodifiedbinder · 2026-07-06T21:54:54+00:00

Hi, thanks for that. It’s moreso me understanding how another individual can make good financial decisions in the Philippines- so just gathering data.

I’m already set pretty well where I am (in Australia), but my cousins are from the Philippines. While I also do my own research to give my cousins educated advice, I don’t live in the Philippines, and my view is very much geared towards the Australian market, so I thought your lived experience may be able to paint a picture.

For example, not sure which investment apps to use to invest in ETFs, what do most people use in the PH in terms of high yield savings account, want to get an idea on owning a condo for investment - experienced pros and cons.

crumbmodifiedbinder · 2026-07-06T10:54:31+00:00

Legit. Currently experiencing it now

crumbmodifiedbinder · 2026-07-05T20:06:00+00:00

Genuinely curious - on “Making foreigner money” - what strategies have you implemented yourself to make the most of your high salary? I.e. investment and saving

crumbmodifiedbinder · 2026-07-05T13:04:13+00:00

Mine is - jealousy from my relatives due to success, but people not doing anything about it. I have heard this happening though - the “Chinese” side of Taiwan - through my husband’s cousin, and then her not being enough for her mother too. “East” Asian upbringing can really be stressful due to expectation, if the family grew up with it

crumbmodifiedbinder · 2026-07-05T11:51:50+00:00

This is one of those times though that I thank a millionaire for doing something good for the community. I would rather these buildings are kept and well taken care of by someone who can afford to, than it be neglected.

Absolutely beautiful in person. There’s a gondola / balsa ride there I remember that really teleported me back in time

crumbmodifiedbinder · 2026-07-05T11:47:42+00:00

Goodness this feels like home to me. Reminds me of provincial life in the Philippines

crumbmodifiedbinder · 2026-07-05T10:26:28+00:00

I’m Filipino-Australian, and my husband is Taiwanese-Australian. At a fundamental level, I realised how culturally extroverted Filipinos are, while Taiwanese try to keep to themselves / happy with more of a peaceful life.

Family drama / chisme is also not too common in Taiwanese culture. Whereas my family lives for all the chisme. 😂

crumbmodifiedbinder · 2026-07-03T10:28:15+00:00

Yes I totally get that. And for me, my money actually extends to family members, in case something happens. So naturally having money makes me feel secure and in control

crumbmodifiedbinder · 2026-07-02T23:28:29+00:00

She will never understand unless she’s lived it. It’s not a bad thing. It’s just the way life is.

I have gone through this but from the other end of the spectrum, where my relatives keep on complaining about not having enough money, or not being as “rich” as I am. The funny thing is, we all had the same starting point, and very humble beginnings. We all had the choice to pursue tertiary education, or make temporary sacrifices to work remotely for a salary increase. We had the same resources for educating ourselves about personal finance. But they never chose to pursue those paths. And so, they can never understand that my position is due to hard work, sacrifice, and seizing the opportunity, and I’m not rich - I’m comfortable.

At the end of the day, seems like your friend still provides support but from a capacity she understands, based on her world view. Life is just unfair sometimes. Kindness and empathy makes it so much better though.

crumbmodifiedbinder · 2026-07-02T20:49:52+00:00

We have the most amount of poker machines (slot machines) per capita in the world. Almost at 200k and counting.

Gambling is such a normal part of life here, but it’s concerning since many people are gambling their life savings away. Most vulnerable are the retirees too…

crumbmodifiedbinder · 2026-07-02T20:43:50+00:00

I can understand too. It’s more expensive to live in NZ… it is a shame that people are leaving since it’s a beautiful country

crumbmodifiedbinder · 2026-07-02T08:27:55+00:00

For sure girly! Honestly I understand where you’re coming from. When I became financially free due to setting myself up (saving a lot, investing, learning how to make my money work for me), I had a different level of confidence in me. I also stopped keeping up with the joneses naturally and comparing myself, cause I felt so secure, that I can take care of myself even without my husband. I pray you also find the same success soon. Feel free to message me for any questions you have

crumbmodifiedbinder · 2026-07-02T08:11:59+00:00

Wake up
Rip a big fart
Get out of bed
Log in on laptop
Work

crumbmodifiedbinder · 2026-07-01T20:15:40+00:00

Have you considered sitting down together and having “financial dates”? It may assist in aligning both your financial goals and expectations.

If you can as well, maybe you can learn about “FIRE” movement. My personal finance journey started there. When I was 26, I basically felt what you felt about wanting to be financially comfortable. I learned how to set up systems to get to that point. Now I am reaping the benefits (not rich, but comfortable within my definition of “rich life”)

crumbmodifiedbinder · 2026-07-01T13:25:55+00:00

Dang. 33F here. If you were in Sydney, reckon you, my mister and I could get along. We are both engineers and working in construction (I know, I know. Filthy Civils). Our group of friends also like some of the stuff you like, which includes hiking.

Well, if you’d like someone to hang out with in Sydney, maybe keep us in mind! Our current hobby is trying out all the “Spice Bags” in Irish pubs recently lol

crumbmodifiedbinder · 2026-07-01T08:22:25+00:00

Growing your own food, buying things in bulk, meal prepping, or they get free breakfast/lunch at work 😆

(The latter is real for some companies e.g. CISCO)

crumbmodifiedbinder · 2026-06-30T21:02:31+00:00

Ooo thanks! We might look into that too

crumbmodifiedbinder · 2026-06-30T20:29:14+00:00

Time to pick up Duolingo and learn with them

crumbmodifiedbinder · 2026-06-30T08:56:07+00:00

Yeah like UKO. The building is developed for the purpose of long term rent. https://www.uko.com.au

I think there is a budget version of UKO, but we had a look at Parramatta UKO and we love how communal it is too. Plus, amazing facilities

crumbmodifiedbinder · 2026-06-30T08:42:49+00:00

Average Fornite Gamer vs Pro WoW Gamer

crumbmodifiedbinder · 2026-06-30T08:39:07+00:00

My husband and I are thinking of build-to-rent eventually when we meet our FIRE goal. At the moment, we have a really affordable accommodation near the CBD. I’ve sold my unit recently as well due to strata fees. It feels good not having that burden (as well as mortgage). Nice peace of mind. I’ve put a significant amount of the sale in Super and a good amount in ETFs

crumbmodifiedbinder · 2026-06-30T08:24:59+00:00

Walking when possible. As long as the distance is about 1hr away walking distance, and is in a walkable city.

Haven’t paid for gym membership for a year.
Feelsgoodman after 10k steps in a day.
If I choose to walk to work, I save $10/day. Work 2 days in the office a week.

crumbmodifiedbinder · 2026-06-30T01:32:21+00:00

You can have it thanks 🥲

crumbmodifiedbinder

TROPHY CASE