We talk about adulting life such as finance, growth, and realising happiness. We tend to make uncommon choices, question the norms and try to do things differently to live our lives on our own terms.
This space is where we can share insights and learnings from our journey so that you can learn what works and avoid making the same mistakes as us.
Come along on our realisation journey as we share our pursuit towards happiness and growth!
Very informative video! Did you consider the whole life policy that can be tagged onto the maternity insurance to provide coverage without any exclusions?
Stay far away from StashAway. The Singapore government locks up their accounts all the time, and your money will be lost as my SG attorney say "indefinitely"
Hi there, thanks for the sharing. Would like to ask, as someone who is into Financial Independence and that sort of stuff, how did u decide to have a child despite knowing that it will set u back by ur desired age to FI. Am currently at this crossroad and would love to hear ur thought process in arriving at this decision.
Hello! Thanks for your comment! I wish that I could tell you that i put in deep thought and reasoning why we eventually decide to have a child. Honestly, I didn’t want a child but I changed my mind after i watched a video series by ( @Taylor R - ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-_-moBXtdkU8.html) on her fertility journey. I know that it something that I did not want to go through when I’m older. Furthermore, I had many friends who are trying to have children but couldn’t. So i guess it’s - peer pressure. 😅 LOL. Very simple reason.. Having a child is a decision that only can be made before a woman turns 40. After 40, it’s not easy to have children due to health reasons. For money, it’s not bound to any time period. So the regret of not having a child would be greater than regret of not achieving FI at a certain age. I could still achieve FI at a later stage in life. But having a child, i could never have it after a certain age. (not sure if this make sense..but i’m trying to figure out how to explain this..lol.) It’s mainly on hindsight after meeting our son for the first time, we realised that we enjoy being parents. I know that If I considered and think deeply about the reasons Why i shouldn't have a child, i would easily find many and not have a child. So basically I stop rationalising and just go with my feelings. We never knew that we could love someone so much. Having children brought lots of joy to us and our extended family. Maybe also because just before my son was born, our families were grieving with our grandparents death. In a way, our son is a legacy and a part of our loved ones that lives on. Having a child gives me hope that even if life is challenging and tough, I know that we (as a family) will make everything would work. He’s someone we would fight for and become a better person because we want a better world for him. As you can tell, it was a transformative experience for Jingles and I. We really enjoying waking up to see him, seeing him grow and experience the world with us. At the end it’s a personal choice for you and your significant other, It has to be a decision that you both are happy with. I would love to hear about your thoughts and struggle too! Perhaps we can connect via email/Instagram? 😃
Hey Yingying, how are you coping now? Im a new mum, deeply resonate w your video, thanks for making it, it def makes me feel less alone. id love to be with my baby too and agree that mums are irreplaceable, so ive been considering too. Sending hugs, hang in there fellow mummy! ❤
Thank you for the lovely message! I was feeling a bit down these couple of days and this really cheered me up! 🥺🥺 I’m still trying to cope with work and baby. So I have not make any decision yet. Doesn’t help when my company is shorthanded and I want to make sure that I leave on a good note. 😰 Sending hugs and encouragement to you too!!! ♥️♥️
You have a helper to take care of your child and able to work from home, yet still sound so struggling and depressing? Mine got no helper, rush to fetch child from childcare daily after working IN OFFICE, cook for the child, wash up, do laundry, continue work from home even on weekend also didn't sound so depressing..... gosh!
Do u help w part of the housework load? I guess you can be more appreciative of your wife being a super mom since not everyone can be like this! Sounds really sad that you guys don’t have time to spend with your kid since you are so focused on work during weekdays and weekends…I hope your kid still have some happy times with you guys.
Thanks for the informative video. You mentioned can use integrated shield plan to claim for pregnancy related? Is that only applicable for complications during the pregnancy or even for a normal pregnancy/ delivery process? Thanks
Hi Calvin, apologies for not being clear! Integrated shield plan is more for complications. While normal pregnancy would fall under the maternity package under Medisave (so basically you deduct from your own MA account). For complications, it depends on what pregnancy related conditions. What i understand is that Medishield life also covers a list of pregnancy complications (www.moh.gov.sg/home/our-healthcare-system/medishield-life/what-is-medishield-life/what-medishield-life-benefits/serious-pregnancy-complications) so that's why we decided not to get any maternity insurance. I've also found out more information via this website - plannerbee.co/best-maternity-insurance-policies/ and I recommend to check in with a financial advisor to review what are the existing policies that you might have and get what you need. Hope this helps!
I've been investing in SA since 2020. For the pass 3 year the performance was devastating. But recently I saw there was a shift in the market. I believe it has to do with the global endamic. The market is opening and my portfolio has shifted positively. The best performance in my SA portfolio was invest powered by blackrock. SA has gained my trust again. I hope you guys do too.
Thanks for letting me know im not alone! Been with SA since Jul 2020, they had positive return for a year and the rest become history ): still struggling to cut lose or hang on till the 3rd year.
but how are you almost at 500k? SUPER AMAZING since your journey is similar to mine... my salary since starting my first job wouldn't amount to even 500k so how did you grow till so much?
Just like you, I also stopped investing in SA and just let it be. But it’s getting bad to worse and I think it’s time to slowly withdraw as some here are doing and invest elsewhere.
Attention all GUYS Firstly , I just got divorced. Sadly I was not given any monies for the matrimonial flat. Reason because I trusted my ex wife by asking her to pay the mortgages and she was a foreigner. Whether she is a foreigner or not. My advice to all the GUYS IN SINGAPORE DON LET YOUR WIFE HANDLE THE PAYMENT OF YOUR MATRIMONIAL PROPERTY CAUSE IF YOU DIVORCE MOST LIKELY THE COURT WILL GIVE TO HER. DON LISTEN AND YOU WILL REGRET
This couple very sad now. Buy crypto, nft, invest in us mkt, trsf OA to SA which means they cant use OA money to help to pay their hdb mortgage. She said she aim for $500k right? Its closer to $200k 🤣🤣🤣
China stk dropped to 52 wk low, US stocks following soon, nft and cryptos are scams.. she literally got screwed hard. 😂😂😂 ; and OA money can be used to help buy hse but transfer to SA… GG. Whats left of her $500k target? 😂😂
See! I told u guys a home is needed. But dont listen. Go trsf SA to OA. Ur current hse so small. What if u have 1 or 2 kids by choice or accident? Need more space, how? Spore is best ctry to invest in ppty but younger pple rather FIRE or crypto or NFTs. My 2nd ppty i bough in 2018 already have gain of $400k excluding rental income. Hope u learn ur lesson
@@sek898 good. Look at them. Sleep at shop house previously?! OMG. Why short change urself. Marry a guy who cannot give his wife a proper home? Or buy virtual home for wife to give birth and bring up kids? 😂😂😂 As a guy, hes a loser.
Because Stashaway are using Robo + DCA approach. To fully maximise these investment strategy, a lump sump investment is a bad idea. A weekly/monthly consistent investment is where you can see the system shine
Me too have been with Stashaway for almost three years. At first saw 10% return after a year and then it started its downward spiral. They violated basic trading strategy of keeping KWEB during its long downtrend, and eventually sold KWEB due to panic? I haven't taken out my money yet but I haven't added more with them for the past year.
