2018 has been a good year for me, both financially and career-wise.

On the career front, the new company I joined in late 2017 treats me well and the team is pretty awesome. The work I do there have been meaningful and fulfilling. The monthly income derived from this work is more than sufficient for my monthly expenses and save a decent amount of money for retirement.

On the personal finance side of things, being a disciplined saver paid off for the year. After completing the purchase of my overseas property in Cambodia, I channeled the same amount that I used to save for the property into my investments through Autowealth’s robo-advisor platform and started building my diversified investment portfolio of international ETFs.

Achieving a net savings rate of 63.32%

Compared to last year’s net savings rate of 59.84%, this year’s net savings rate grew to 63.32%. It’s an improvement,