Blogging

As my blog becomes a deserted island, I wonder why did I, again and again want to blog.

It always start with an urge to communicate my thoughts through words on any topic that interested me. Most topics are linked to finance anyway, from the money that flows through each and every one of us, investing that allows many people an alternative to life other than working till death do us apart. To the working culture, the politics around the world, to our everyday purchases, the house that we live in, the future of our ourselves, our children, our family, its linked to finance, it always has.

I take a long time for one post, often deleting and typing, deleting and typing, doing some research online for figures and references. And time is something that i can never have enough of, with 3 kids in the family. I have cut back on my career and income, to manage the kids schedule, and i prefer not to have a helper, i have always been a diy person, but big thanks to my in law, the children’s grandma, who played a big part in helping us to mange during the weekdays. It is what i called the divisive tactics, so there wont be middle child syndrome, or any other bad childhood upbringing associated with big family, but as the years passed, the health and energy level takes a big drain, often hitting new lows, and never recovering to the previous highs.

As a self-employed, i am blessed with the flexibility to cut down on work, while for employees, it is not as simple as changing from full time to part time, all I have to accept is the lower income range, i mean really low, lower than what I am earning from investments.

So i am extremely thankful to the younger me, for having a passion in investing, for willing to read a lot of books, for my career i self learned after NS, for investing i self learned from the library. Post tertiary education has not really played a big part in my career or in my life, late bloomer it must be.

I am more of a logical person, that’s why i chose value investing, there must be a value that i can count on, be it NCAV, NAV or PE, PSR.

To a logical person, it’s hard to see directly at the current state of world with eyes wide open.

You see leaders of the world that people used to look up to, bickering worse than children, bullying tactics, killing under the pretense for the greater good of mankind . If someone of the lowest integrity can become the great leaders of the world, it’s hard to teach your children to be kind, to be nice, to be good citizen and good people. When they are going to be working under the people whom you have worked hard your whole life to teach your children not to be. But yet we all persevere to teach our children to be kind, to do the right things, while it is always the innocent that get hurts, the world still need the majority to be kind, even if it is the silent majority.

No matter how many times i go round and round all these problems, the answer is always to be in charge of your life, to have enough money, so you can have more options in life, you can choose to walk away from deals that require you to kowtow, from jobs that go against what you stand for, and all the problems that can be solved by money.

As you can see from what I mentioned about my career and income, i am in the journey of “Coast FIRE”, with 3 young kids, it can be quite unimaginable for most of you. But i need very little, and i spend very little, and i always plan ahead.

Achieving FIRE too young, does not lead to happiness, it create a void in your life, then you start asking what is the meaning of life? Why am I still not happy despite living the dream life that most wanted? In life, you need to have a purpose, it can be love, it can be doing something for the greater good. It is ok if the purpose is temporary and you switch from one to the other, as one day you will realise that there is no purpose that is so strong that can last you a lifetime everyday 24/7, not even marriage or children. You can try to con yourself if it helps.

Right now the family portfolio is getting bigger, which is a good sign, we are able to draw out more to cover more of everyday expenditure if we want, but we are still quite young and able, so every year we take out money to cover the big items, while the bills, loan, etc are from our income, and if we have extra savings for the year, we will put it in too. We are on track for early retirement if possible, or FIRE, or (just do not want to work) whatever you call it. Positive cashflow, savings and investing has given us a good chance in life to pursue a different path from our parents and people who are in the rat race.

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