• MOETF with firewall, 3Y BnF, 3min due diligence
• exp recon process improvement

No oth please.. I feel proud of my independent thinking and progress. I feel these items are remarkable and visible signs of progress. New and better ideas for the next 1~30Y.

I guess many of my U.S. and Singapore peers don’t have such a /progressive/, continuously refined financial plan.

Even though some of them (YW.Chen, Shuo, Ash.S,…) have multiple properties; some (Venkat?) more successful with U.S. equities, I feel most of them follow the bandwagon with fewer bold departures.

1. [aU] bold decision to stay rented on lease spread, without U.S. home ownership — lower cash flow burden than buying 700k. 700k is like Ivy League plan among the Chinese immigrants.
2. [AU] bold decision on college fund — discussed with grandpa, Kyle etc , and more convinced than ever to avoid the rat race to branded colleges … insider.
3. [AU] bold decision to accept average school districts and focus on conducive learning environment instead of test scores
4. [u] surprise discovery of current income /vis-a-vis/ windfall far out
   1. analyzed three ffree scenarios, based on my detailed burn rate record
5. deeper conviction and belief in U.S. equities, /vis-a-vis/ other regions
6. surprise discovery of SG elderly healthcare as more efficient and accessible than feared. No driving required as in U.S.
7. [a] incisive researched on U.S. burn rate and figured out it’s much higher than SG due to Melvin3
8. [u] more firm than ever before on my bold decision to work till my last day
9. bold decision to include 43R model in my default plan, rather than the conventional 2FH model
10. [AU] singled out Bayonne and South Edison as my bold yet viable choices

Above are progresses made since mid 2018. Below are Earlier progresses, roughly ranked by importance :

1. bold investment in a 3rd shop unit, despite the concentration risk and lower NRY guarantee than before.
2. bold decision to choose lower CPF-LIFE payout, since I don’t need the higher monthly payout or bequest.  This decision has implication on my savings rate now.
3. [u] tried out dividend stock investing on Robinhood
4. [au] bold idea of sending kids to Singapore universities, avoiding the mad rat race
5. bold idea on MYS retirement — need more evidence and research
6. [u] bold decision to stay as contractor
7. [u] tracked family burn rate for years
8. [a] passive income added up
9. [u] bold and unconventional decision to favor walkable locations, to reduce car dependency
10. new plan on HDB jumbo unit
11. [a/A=high leverage i.e. high impact at low effort, low distraction, low laser dispersion]
12. [u/U=unconventional among my Chinese peers. Back bone required]