Reader says... I just read about your post on ST engineering and how it funded your trips etc. See: Mystical art of wealth accumulation. The importance of delaying gratification When I tell people, sometimes they will say "But what if the investment turn out bad how?  "Might as well spend the money enjoy now?"  What will you say to them ah? It happens to me quite often cos I don go travelling and save the money top up CPF, buy reits etc Thank you as always. ???? AK says... Someone on my FB wall just said CPF is PONZI again. Let people say and do what they want. We do what we feel is right and they do what they feel is right. Time will tell and it certainly has been the case for me ......