Read? Don't Smoke. Don't Drink. Don't Drive. Don't Casino. Don't Gamble 4D. Don't Call Chicken??? Next ... How to reduce your expenses farther? Living one or two level below what you can afford then you can save enough investing capital as your war chest. Some examples on how Uncle8888 has more money to invest for his war chest by doing these. He could afford 5-room HDB flat; but he bought a 4-room. He could afford 4-room HDB flat in Toa Payoh but he rather live in ulu Hougang (previously known as Punggol Rd. It was later renamed to Hougang to sound not so ulu) He could afford a car but he took bus and taxi. In fact, in his office he is one of very few oldies who don't drive. A car as convenience is not an excuse to drive and not even having three kids. Taxi service is not that ......