As from April 2013 my Journey in Investing is to create Retirement Income for Life till 85 years old in 2041 for two persons over market cycles of Bull and Bear.

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This blog is authored by an old multi-bagger blue chips stock picker uncle from HDB heartland!

"The market is not your mother. It consists of tough men and women who look for ways to take money away from you instead of pouring milk into your mouth." - Dr. Alexander Elder

"For the things we have to learn before we can do them, we learn by doing them." - Aristotle

It is here where I share with you how I did it! FREE Education in stock market wisdom.

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Monday, 16 December 2019

My Replacement Income And Household Expenses Three Years After Retirement From Full-time Job

Three years have passed ...

Replacement income for the last three years since 2017

Monthly and annual household expenses

Projected impact of year-on-year inflation on household expenses didn't seen to happen. Somehow we will react to some price increase and make adjustment for alternatives.

Yearly Cash-In and Cash-Out

Spending below replacement income and manage to have some small savings over the last three years.


  1. Superly managed.


    U really got nothing much too worry except to leave something behind- a leagacy in my opinion.

    Except the secret of not running out of life before running out of money in retirement is to still trying to improve our nett worth even a winy, tiny, tiny bit annually.


  2. No matter how. Living below our means is a must!


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