Cash flow either lightens or adds to my burden .. Deep impact.
Here’s yet another high-level summary on annual basis:
- Phase 1 now till early 2018
- burn rate S$60k + U$20k including air tickets.
- (after tax) salary U$100k
- wife’s income? not sure
- USD surplus: realistic target U$50k
- SGD deficit: S$30k?
- Phase 2 after overseas properties starts yielding
- rental income U$20k
- USD 12K/Y in reality from BridgeRetail
- surplus: realistic target U$80-100k
- By Aug 2018, I generated around USD90k/Y surplus excluding the above rental
- rental income U$20k
- Phase 3 after family comes over
- burn rate U$100k
- salary income U$120k
- rental income U$40k including HDB
- surplus: realistically U$40-60k/year
- Phase 4 after settle-down (12-36M)
- burn rate U$80-90k
- salary income U$120k
- rental income U$40k
- surplus: realistically U$70k/year
- Phase 5 after buying home