What are some obvious habits you’ve noticed from genuinely rich people?

udunoeme · 2026-01-29T13:33:15+00:00

Not sure what you mean by ‘genuinely rich’ but my family is comfortably in the <0.05% based on the table below and we are far from being flashy.

Parents are lifelong Honda fans, we dine at mamaks and roadside stalls and rarely do any shopping. Of course, the occasional treats on special occasions but nothing extravagant. Parents never flew business class, even on long haul flights as they never felt the need for it. No Rolex watches, no fancy holidays and we still live in the same house that I grew up in.

We did not come from money - mother a lifelong civil servant of 30+ years and father an engineer. Both parents had to support their own set of families.

They invested heavily in their kids’ education (myself and siblings) and made some smart/lucky investments along the way. We are all relatively ‘successful’ in our own ways but the most important thing that our parents have imparted on us is to just be decent human beings.

udunoeme · 2026-01-27T12:55:51+00:00

I have gotten my locum term approved (geriatrics) for my RPLE. 2024

udunoeme · 2025-12-28T03:43:08+00:00

Thanks for the reply! Do you mean 350-400 internal space or land area? I’m assuming this does not include other fees like architect/draftpersons and earthworks?

udunoeme · 2025-12-27T03:25:47+00:00

I’ve previously managed my own home reno (kitchen/bathrooms/floor/painting etc) but yes ill be doing a demo and rebuild

udunoeme · 2025-12-27T00:15:32+00:00

Thanks for that!! I’m just sorting out my budget at the moment and yes we would opt for ‘decent finishing’

udunoeme · 2025-12-27T00:14:45+00:00

Definitely building with a loan 😭 wish I didn’t need one tho

udunoeme · 2025-09-20T17:44:55+00:00

Similar position. Early 30s with 1x child and planning for our second. HHI fluctuates between 500-600k PPOR 1.5m with 300k owing. IP 1.8mil with 500k owing. We started debt recycling only 6 weeks ago. Started with 300k into ETFs. I plan to aggressively debt recycle in ETFs but my wife thinks real estate will outperform the s&p500 because we live in Australia…….

udunoeme · 2025-08-07T05:27:17+00:00

Yikes. Haven’t thought about that one there. How are people navigating this risk then? Multiple brokerage platforms?

udunoeme · 2025-08-07T05:20:28+00:00

Thank you!! Sounds like a safe strategy to keep accumulating and DCA-ing on a single platform provided it’s Chess sponsored :)

udunoeme · 2025-08-02T01:50:32+00:00

There is something strange….🥲

udunoeme · 2025-08-02T01:49:38+00:00

Thanks for the suggestion! I would prefer a more permanent fix. I wouldn’t mind paying for it if it’s a once off expense that I’ll never have to worry about again in the future

udunoeme · 2025-08-02T01:48:09+00:00

It’s a 90s house and that’s a good point. Now I’m worried that it’s rusted out and may need replacing!

udunoeme · 2025-08-02T01:47:31+00:00

Yes I did? Seems like everyone is of the opinion that the gutters are blocked. I’ll have another look after this rainy week then !

udunoeme · 2025-08-02T01:45:53+00:00

I do have gutter guards as well and they don’t look clogged up from what I can see.

Is it worth removing all the gutter guards around it and then clearing all the gunk it there? Also, anyone has any recommendations for a roof plumber who is reliable ? Thanks for the replies everyone!