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

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Sunday, 11 September 2016

When is money is enough??? (3)

Read? When is money is enough??? (2)

Talk is easy but in real life facing real discretionary expenditure is not that simple and easy!

Since Uncle8888 is a retiree soon with no earned income; Auntie8888 was thinking not to renew her annual subscription at $1.2K with Amore Fitness at Kovan in Nov 16 to help to reduce household living expenses.

Uncle8888 laughed it off and told her to go ahead and renew.

Nothing will change this fast!

It is quite clear even Auntie8888 is quietly getting worry over future cash flow without an earned income and not easy to trust cash flow from financial assets to be sustainable for the rest of the lifetime.


  1. I Guess financial assets are not consider as stable a cash flow as earned income. Because you will be subjected to the market volatility which you cannot control. You can only control the 3M.

    1. Conventional wisdom of passive income > expenses is financial independence without any reference to sustainability of passive income over market cycles. How wise?

    2. Perkenalkan nama saya zull fikar. Dan saya ingin mengucapkan banyak terimah kasih kepada MBAH JONOSEUH atas bantuannya selama ini dan saya tidak menyanka kalau saya sudah bisa sukses dan ini semua berkat bantuan MBAH JONOSEUH,selama ini, saya yang dulunya bukan siapa-siapa bahkan saya juga selalu dihina orang2 dan alhamdulillah kini sekaran saya sudah punya usaha Restoran sendiri,itu semua atas bantuan beliau.Saya sangat berterimakasih banyak kepada MBAH JONOSEUH atas bantuan nomor togel dan dana ghaibnya, dan saya yang dulunya pakum karna masalah faktor ekonomi dan kini kami sekeluarga sudah sangat serba berkecukupan dan tidak pernah lagi hutang sana sini,,bagi anda yang punya masalah keuangan jadi jangan ragu-ragu untuk menghubungi MBAH JONOSEUH karna beliau akan membantu semua masalah anda dan baru kali ini juga saya mendaptkan para normal yang sangat hebat dan benar-benar terbukti nyata,ini bukan hanya sekedar cerita atau rekayasa tapi inilah kisah nyata yang benar-benar nyata dari saya dan bagi anda yg ingin seperti saya silahkan hubungi MBAH JONOSEU di 0823 4444 5588 dan ingat kesempatan tidak akan datang untuk yang ke 2 kalinya terimah kasih..

  2. So how to ensure sustainability of passive income over market cycle? Have a bigger margin of safety for the passive income over expenses?

  3. Hi CW8888,

    Agree with you fully. It is impossible to predict how passive income sources (e.g. dividend paying stocks, rental properties) will turn in the future....

  4. CW8888,

    Same same for my wife. She is very worry when I told her my plan to retire early. "Money NOT enough" seems to be the worry of most people when approaching retirement age. Sigh!


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