There are many savvy investors in Singapore and the majority of them are not in the public eye. They could be our neighbours, our colleagues or even our relatives and we might not even know that they are actually millionaires from their investment efforts. Recently, a reader, STE, contacted me to share his story to show how common working people could become millionaires without being entrepreneurs. His story shows how hard work, frugality, investment savvy, patience and luck are the ingredients to financial freedom. He sent me a lot of information and I am thankful for his trust in me. However, I have exercised much discretion as to what is to be published. I think it will be more than enough to inspire. Don't ever say that common people cannot achieve financial freedom. It is simply not true. ------------------------------------- My wife and I came from Malaysia. My family is quite big and I have 7 siblings. I ......