“My wife and I earned a combined of $150,000 last year. We have $110,000 left to pay off on our 4-room HDB flat’s mortgage. We have combined $250,000 in our CPF and $200,000 in cash saved up. How well are we doing?” I would like to ask my readers: How often do your close friends ever confided this question to you? (let me know in the comments for this post below) As well as I can remember things, none of my friends ever told me this sensitive part of their family life. Our personal finances are a secretive part of our lives that our friends, relatives, and colleagues should never know of. But because of that, at the back of our mind, we have that same lingering question as the opening paragraph. For some, they believe they still have time to procrastinate and push this question to the depth of...