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
My Story
The personal documentary — real salary numbers, net worth year by year, goals, and honest reflections on 12 years of trying to build wealth.
→ Why I started this site
→ 12 years, 6 jobs, $3,200 to $10,000
→ My net worth: 2020 to 2026
+ more posts →
My Decisions
Specific financial decisions — CPF, investments, property, insurance, credit cards — with the real reasoning and numbers behind each one.
→ How I actually manage my CPF
→ Why I chose Syfe over DIY ETFs
→ Can $200K afford a $2M condo?
+ more posts →
Free tools
FIRE dashboard
Enter your salary and savings — see exactly when you hit your milestones.
Try it →
Tax calculator
See your actual tax bill and how CPF and other reliefs reduce it.
Try it →
Net worth calculator
Add up everything you own, subtract everything you owe. Download as a spreadsheet.
Try it →
Free tools
FIRE dashboard
Enter your salary and savings — see exactly when you hit $1M, $2.5M, and your FIRE target.
Try it →
Net worth calculator
Add up everything you own, subtract everything you owe. Download as a spreadsheet to keep.
Try it →
Tax calculator
See your actual tax bill, how much CPF and other reliefs save you, and your effective rate.
Try it →