Just celebrated our wedding anniversary last weekend. We went out for a Japanese omakase lunch and I brought my wife to go jewellery shopping for her wedding anniversary and Christmas gifts. The last big celebration I had with my wife was for her birthday in the first half of the year. This is a good time for another big celebration in the second half of the year as we wind down and prepare for the new year.

It’s our 4th year back here living and working in Singapore as a couple. I was just thinking about our first 4 years living and working in Australia (Melbourne and Sydney). How time flies and how much our circumstances have changed. From clueless entry-level graduates with little assets and liabilities to more experienced corporate workers with a decent level of savings & investments and a big mortgage.

I also find myself comparing how different we have become from our time in …