I have been without financial goals for most of my life up until 7 months ago. I began tracking my expenses on Excel and keeping a record. I also made it a point to read posts from bloggers and the Invest section of the Sunday Times regularly.

The idea of indexing and passive income was something new and I am glad it came into my life now. All this reading have helped me along the way to better understand the need to save and set financial goals for myself.
So what will be my financial goals be for the short to long term haul?

Emergency Chest (Long-term)

The SAF is a good employer, providing an iron rice bowl for at least my 2 years of National Service. So during this period where I am serving, I aim to save as much as possible. I am fortunate because …