How Uncle’s financials behave during 1.5yrs of early retirement

 

Been a roller coaster...

Due to changes in USD vs SGD strengths

Due to volatile NASDAQ stocks

Due to SG stock market movements (but this one is mostly up, and on a bull!)

Hopefully 2026 brings peace and some prosperity

The above included about $150k of dividends collected

Of course the above is nett after Uncle's expenses lah. No need to makan meh? lol

The above doesn't include equity in Uncle's home. That is likely around $1.8-$2M SGD

Uncle's lao pok car? that's neutral now (resale value covers outstanding loan)

How much useful output is AI generating

 We have at our disposal today many free to use AI 

Most allow you to create images and even videos everyday up to a limit before you have to get a paid account

Multiple this by millions of users…

How much energy are we using for these? 

What is the output used for?

ATM, I feel the outputs are just entertainment and exploration. 

Hopefully this phase ends soon and people get bored and the real useful use cases are pursued next

Else it’s extremely wasteful 

Fuckery and affairs

 The SG Internet and Reddit and hwz and sammyboys are awake with lots of activities since last night.

A internet famous property agency founder and his subordinate lady was filmed apparently after a tryst in an office. The reason it went viral isn’t his because it was filmed and they are very visible on social media due to their work. 

It’s because he’s a successful businessman, built a successful property agency from scratch and is probably a role model for many aspiring people in this line and in general as how to make it in Singapore. He is married and has kids. And his subordinate lady, easily 10-15 years his junior and recently married too. What a fuckery thing this is.

But I guess they are all adults and they know it’s fire and they know the consequences if it burns them. Fuckery happens everywhere, behind closed doors, among apparently decent people. Same sex, group sex, all weird shit. So who am I to judge? Maybe one day I’ll go mad and do the same. 

And people will be hurt. Innocent ones. And then it leaves a mark so deep in them that they themselves give up and go haywire in their own life too. The blast radius is definitely huge. 

While the public goes crazy over the leaked videos and treat it almost like entertainment, it’s going to be horrible for the people involved and their closed ones. 

CNY is just around the corner. Perhaps, living a stupid and simple life is still better than chasing $ and fuckers. 

But who am I to judge. I also human, I also have flaws, I also can lose control and do stupid things. 

Is there real love and respect between husband and wife? Or it just a way to survive?

So just go fuck around or you will get trampled all over without knowing it until it explodes like shit in your stupid Mr nice person face. 

Stay humble and stay low

 Don’t brag. Don’t tell unless asked

Just keep low profile while working privately on your own goals. 

No pressure, no external influences or unsolicited advice. 

Just be true to your values and get it done 

Then hold your head high when you made it. 

Still, remain humble, because you don’t control everything so you definitely had luck to some extent to thank for 

Managing your own life

 As a full grown adult, most of us manages our own life. But in reality, most of us cannot control bulk of our life.

The control comes back when you have resources: financials, mental and physical. All must be present

Then you truly become the CEO of your life. Plan, manage and allocate resources, and set targets and self assessment 

Don’t live a life of wanton consumption or leisure. That’s a choice but not a very good one of a single shot living experience here on earth 

Retire happy

 This must be the aim and starting point

It cannot be “run away from issues”, “need to fix family issues” etc

News of this guy

 https://worldofbuzz.com/man-falls-from-johor-bridge-after-leaving-apology-note-body-allegedly-found-in-indonesian-waters/?fbclid=IwdGRjcAPG89pleHRuA2FlbQIxMQBzcnRjBmFwcF9pZAo2NjI4NTY4Mzc5AAEevTLWhtvvbJxy13FutJs1dqqCpkqMxwbwYgv_gTHLFsSaTne_bC-TOHOFu7M_aem_rGjymfMA8-aOFGMe88iU1A

RIP bro from MY

Too young and too many kids to leave behind at tender age. I am in no position to judge but life is cruel 

The bothered mind is a strong force to be reckoned with. I feel such emotions too. Such is the power of our brain.

Hope you rest well and hope your wife and kids live well. 

Sigh, still sad but a good reminder to myself that no matter what, grind it out and don’t let waste my own life. Grind it out doesn’t mean grinding at work, but grinding at finding a way out of situations, a way that works for ourselves. We own our fate. Job cannot? Change it. It’s not end of world. But it’s harsh world out there. Not easy but doable I think.

Be strong as possible 

load off my chest (trial)

 I started to imagine the decision had been made and the task executed. 

Damn, I feel so light and happy.

But am I just running away from problems?

Am I weak?

I don't know

leap of faith or not

 Is it a real leap of faith or a leap based on data?

Continuing to crunch my numbers today, I think it's doable. And I should have sufficient buffer to unexpected things along the way. 

One downside is if Aunty wants to stop work also within next 4 years, we will run tight, but even that is manageable, just that our buffer could be smaller unless we do a major right sizing of property to unlock funds from it. We should have more than enough to cover major expenses expected (e.g. grad school fees)

The leap is very tempting. 

Why?

Why give up taking money off the table for another year?

Well, after tasting freedom for over 12 months, I really missed it. Guess I am just human, and a very lazy one too lol.

Seriously, its not a big issue, and its a happy problem to have, but its still a problem that requires thinking and decision and choices and consequences bearing. 

My plan is not to simply idle my life away. I want to be fit and strong to enjoy life. I also want to do some side projects after careful consideration, as to leverage on my experiences in the line. This could still keep me connected and employable as a last resort. But more importantly it's to keep my mind sharp. Use it or lose it.

This leap will be different from the trial run. That was a trail, and was a break from a mind breaking career that spanned over 20years. This leap is not for that, as I already had my break and reset. This leap is final if all works out. So I will be intentional in what I will do. It must be that way. Else I will waste life and time. I will be super focused on what to do, while living a free and happy life.

Why leap?

Well, I am in a position with choices. It's a good place to be in. And I wonder by continuing to grind for some more money, I am short changing my own life span. Some people will say "Money no enough no matter what", that makes it simple for them, but I am pretty sure no one will enjoy their last breath of life thanking themselves or patting their own backs that they managed to earn more and slave more to work. It will be 100% sure a regret. A regret of not living while you can and have the means, and being greedy and exchanging that freedom for more money and material things. There's no limit to such greed. If you get another $200k this year, you will want another $300k next, and so on. When will it stop? You may say, I'll be enough when I have $4m in my bank account. But when you have $4m, you will think of hitting $10m. It's scary and it's a big trap of capitalism, to keep you grinding your life away for the landlords, for the business owners. They for sure are going to live their good life, no stress, tons of resources and so on, and you want to contribute to that while wasting your life away? Better not