Many people [^2] advocate personal investment as an alternative source of income after we pass 40.

Q: At what age does this alternative source become important?

I think for all the people I know, it’s never a duty. Any investments come with a multitude of risks, uncertainties and unknowns, so much so that some people are simply uncomfortable and unqualified to manage their personal investment. They could hand their savings to professionals but again, it’s not a must.

But for most of us, there’s a time in our career when we feel a gentle turning point — from building career to building portfolio (specifically property portfolio because it’s more stable IMO and generates more consistent income). Exactly when that turning point occurs depends on your profession and also the property market you are in. For example, I think in a fast-growing market, at some point in your career, you may notice that salary is insignificant compared to a typical property investment gain. Instead of increasing your salary, why not focus on the “fast track” to financial freedom?

A: The turning point could be now for someone like me. The prospect of salary increase is small. On the other hand thanks to my low burn rate, I have saved up some spare cash.

Q: Even though I have set up a consistent rental income[^1] why the hell do I still feel the pressure to keep my skillset relevant?
A: Because I want to maintain this salary, which is still very significant compared to the property values!

[^1] much better than dividends
[^2] These people are not only salespeople. They include people I trust.