I had a difficult night sleeping last night because of the heat and also because of a late cup of coffee consumed during dinnertime. I woke up tired and sweating but felt compelled to write this down at the earliest opportunity. I reached a certain point in my life that is near to mid life (41 years) assuming my lifespan is in line with longevity statistics in Singapore and made some observations related to happiness and financial freedom in my own life. 1. Don’t  Wait for to be Financially Free to be Happy Happiness is a state of mind. For many years of my life, it is a state of mind that I thought only existed if I had achieved X or become Y. The older I get, and the more milestones I have achieved, the more I realise the happiness from achievements fade away pretty fast and you need ... Read the full article →