A friend of mine was saying I should have part 2 of this topic. It is good to have closure when possible. As we know earlier in part 1, this colleague of mine is a "happy-go-lucky" person. I actually quite like her light-heartedness in dealing with personal finance. Maybe it is because we tend to be attracted by "new" perspective. Having said that, I personally felt she don't really enjoy working. However, she is a nice person in nature and people like her. I am not going personal with this colleague of mine. I merely want to explore "a foreign world", where people not knowing what is happening in their financial life. For information, there is no such thing as knowing too much, unless it : 1) involved secrets that will threaten your life; or 2) is not your priority I doubt most of us in Singapore have such ......