I checked my wife’s Central Provident Fund (CPF) balances today and found out that her contributions from last month’s annual performance bonus and this month’s salary have been credited. It’s a pleasant surprise because I was expecting the crediting to only happen next week. As I load the net worth Google Sheet on my phone to key in the updated figures, I know this is an important moment.

For the first time in our lives, the total assets (cash, investments and retirement funds) sum to more than S$1 million. I don’t count us as having joined the double comma club because our net worth (after subtracting for the entire mortgage, tax and credit card liabilities) is way below that. I don’t include the value of our owner-occupied apartment in the net worth calculation because it will only inflate the number unnecessarily. Does nothing other than make me feel better about my self…