Reader: I chanced upon your blog half a year ago and been following your every entry since then. In my free time, i try to read up your entries to get a grasp of what we can do to improve our wealth and be financially independent. Articles such as contribution to CPF SA holds dearly to my heart as it means the earlier we transfer from OA (of course living a portion for hdb flat payment) to SA and cash top up (tax rebate) the more we can enjoy the compounding interest and what we will receive from our retirement in the future. I also benefited from your lucky 4 numbers and won a little fortune. Thank you. Your insight into shares also led me to buy shares which I wasn't aware of. I assume I am too lazy to read up on Financial news. Thanks for talking to yourself every now and then....