Talk money, one kopi at a time.
A working SG salaryman’s unfiltered account of building wealth from scratch — the salary story, the real budget, the net worth in black and white, and what comes next.
Where I am now
Net worth
$633K
Gap to $1M
$367K
Monthly salary
~$10K
FIRE target
$5M
Progress to $1M milestone
63% there · projected age 40
Working. Saving. Investing. Optimising. Hustling. Trying to figure out what comes next. Updated Jun 2026.
See the full net worth breakdown →
Explore by topic
💼
Earning
Career moves, salary story, and the push toward income that doesn’t depend on one employer
🧮
Spending
Real budget, actual costs, and where a $10K salary in Singapore actually goes
⚙️
Optimising
CPF, SRS, tax relief, credit cards — squeezing the most out of what’s already there
📈
Investing
What I invest in, why, and what I’ve learnt the hard way
🎯
Planning
FIRE milestones, net worth tracking, property decisions, the long game
🔨
Building
The side income journey — from thinking about it to actually doing something
Free tools
FIRE dashboard
Enter your salary and savings — see exactly when you hit $1M, $2.5M, and your FIRE target.
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Net worth calculator
Add up everything you own, subtract everything you owe. Download as a spreadsheet to keep.
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Tax calculator
See your actual tax bill, how much CPF and other reliefs save you, and your effective rate.
Try it →