uncle lim kopi

 It’s a unique and probably privileged stage to be in. Having tested retirement with financials working out and now back to a job that pays well and having a target end date in my mind.  My views and outlook are totally different from anyone else in the team.  It’s a little confusing as well but exciting at the same time

 Heartache is a deep deep type of pain. It’s not physical pain, but you’ll wish it was. Such heartache pain seem bottomless and just come back again and again. How? How?

 Having a cuppa while hanging out with my boy. These days everyone just are absorbed into their little world via the tiny phone screen. It’s the same for us. But having him next to me and chilling is more than enough happiness for me. And the nice long black is a bonus

 At age 50, I am definitely past the mid point of my lifespan.  It means I have lived more days than I what I have left. It’s morbid to think about it and I believe most people won’t think about it.  But at some point, we must think about it. Why? It gives us new perspective on life.  Someone in their 20s will have a completely different life outlook than me in my 50s. They have additional 30yrs of time compared to what I have left.  At 50, I must spend my remaining time in this Earth intentionally. And not use it to live someone else’s expectations. Supposedly I can be lucky to life a healthy life until I am 80. That means I have 30yrs left. That’s 10,950 days. It’s not a lot isn’t it? One third of that time will be spent sleeping lol. Some may think 30yrs is a long time! Really? Let’s put this into a mental model… Assume you have a savings account with $10,950 balance. And this terrible account doesn’t pay out interest at all. And you must withdraw $1 everyday...

  It's crazy to see STI hitting new highs in past year. I wonder how long this climb will continue This is a stark departure from old days when STI is mostly flat and then have sharp dips due to global black swans.  May the good days continue until I am ready to retire and cash out  Total value now SGD$ 1,395,479.718

 doing an experiment now. From now until end of 2025, I don’t intend to save money. I’ll spend freely as long as my income can cover it. This will be income from employment, not investment dividends/interest payouts. TBH, given the big holiday expense in Dec, the “freely” is a little over the top lol.  But still, given that my dividends can pay mortgage and car loans and basic utilities, I’ll have a ball of time for rest of year! This isn’t about spending on extremely expensive luxury goods or high end dining. It’s about spending freely on things that I need and want, without worrying about not being able to save some money from my income. I feel this is like a treat to myself as well as my family. For e.g., saw that nice pair of running shoes even though I already have a pair of another brand at home? Go for it!  That delicious looking food in a fancy place (not fine dining)? Go for it! That nice adidas tee shirt that costs $70? Go for it! That new PS5 game? Buy! That ni...

 Alongside this is an old nursery home compound with rather traditional architecture Good to take in fresh air early morning  

 Nothing beats having nice coffee and a moist banana cake to start the weekend. Work has been manageable I think but who knows lol.  As usual, must keep reminding myself it’s all about taking “baby steps”. Steps that look deceptively easy but yet requires a lot of courage and effort to have chance of success. Keep at it. Regardless, I am playing a different game this time than all other gigs before this. There is an end point, there is an option, and there is fallback. And most importantly, it’s my terms and my choice. POV of others is totally different now I think. But I must stay humble and still open my mind to learn What’s concerning is I felt really tired suddenly last Thursday. Not sure why.  I suspect the new routine is working its way into my system. I might had slept too little. Need to adjust to ensure I get sufficient sleep besides just eating well. I also didn’t managed to run or walk during the weekdays. Need to find a slot to do it next week! Life is still v...