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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Friday, 13 April 2018

Millionaire Mindset???

There are few classes of millionaires e.g. business owners, land owners, enbloc, lucky ToTo ot Big Sweep and lastly the employee or self-employed (No work. No money).

Employee class of millionaires in HDB heartland are more likely to be conservative in their spending and not into expensive materials show off.


  1. Median household income close to $120K per year.

    If save 60% and max into CPF and bei kambing endowment plans at average 3% per year ... can be millionaire household in 12 years.

    Who needs investing?? LOL!!

    This requires good paying jobs & thrifty habit ... especially in early working life & during early years of children ... which not many can achieve (the thrifty part).

  2. Hi Uncle CW,

    You left out another class of millionaires.
    Those with rich dad.

  3. Hopefully this class of millionaires are sustainable in their lifetime.


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