Importance of exercise and breakfast

Recently, I have started to make an effort to eat well for breakfast. Here's what I do:

a glass of milk + banana at 620am before doing school run

Back home around 750am, I'll have 2 hard boiled eggs, a cup of black coffee, and some bread with jam, and maybe another banana

This keeps me full until 12pm, and I don't have to eat a large portion for lunch that way.

I also feel more energetic

Also, I'll do some light exercises if its not my routine gym run/chin up day

Before I quite my job in Q3 2024, I never really take care of my meals. I was just on autopilot

And my exercise routine was non-existent, only going for some threadmill run when I am free from work.

It took a toll on my physical and mental health. I was constantly dozing off daily around 3-4pm, needing to take a 1-2 hour nap in order to make it through the day

Now, I seldom feel the sleepiness anymore, but it isn't completely eradicated, especially if I don't get enough sleep at night.

I'll try to fall asleep by 1130pm each day, giving me 6.5 hours of rest. I think anything less than that, I'll run the risk of insufficient rest.

Here's to a healthy 2025, both physically and mentally.

Taking care of myself is my priority now. If I am not well, I can't enjoy life, I can't take care of my loved ones.

Comments

CPF balances 24 July 2024

I think for SA, my balance is considered "self-sustaining" as the 4% pa for SA could ensure my balance will continue to meet the FRS requirement every year until I reach 55. from CPF website, my SA balance already exceeds FRS for 2024. Every year, the FRS increases a little for inflation. E.g. the FRS for 2025 is 3.4% increase compared to 2024. But SA interest rate is 4%, so as long as you already reach FRS amount for current year, you will be fine I think, even if you stopped working (i.e. SA stops having contribution)

Income tax for YA2024

Lesser than previous years due to lower stock prices during vest date. Got lucky. Interest-free instalment for paying income tax spread over 12 months...about $5k per month. Quite a lot of cash outflow per month just to pay tax, but I think this is already low compared to most other countries

Getting comfortable without a salary from working

Not sure if I am there yet. Basically I am effectively drawing down my cash each month, primarily due to 2 things : mortgage and income tax mortgage (after CPF) is about $9k per month income tax is about $5k per month My investment cashflow covers all my other expenses, including utilities, groceries, handphone/internet bills, insurance, property taxes, condo maintenance fees, personal spending. With some input from wife who is still working, I am still out of pocket by almost $11k per month. She will continue to be able to save a decent sum per month and I'll let her grow that and managed it for her via safe investments. Am I comfortable? Not really. I will if I am not out of pocket per month. If I really stop working for good, the income tax amount will go to $0 after 2025. So only mortgage left We can pay off the mortgage but I think I said before, it doesn't make sense since it's our home and we will be locking the money up with little leeway to do other things. So I ...

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