Well, sad to say, i did not turn into an instant millionaire following my previous post - 12-million Hong Bao draw. I did have a consolation 'prize', as my company announced the year end incentive award (or bonus). So with the windfall (well, being able to keep my job is already good enough for me!), any bonus award can really be considered a bonus. As with any windfall received, adequate planning is required, otherwise it will all be squandered away. Many stories on the net about people spending their inheritance within a month! So i took the opportunity to plan out what to do with the excess amount that i will receive, and came to the conclusion - money will never be enough. No matter how much i have, i will be able to find ways to fill it up. I will sock away 40% to my household account, ......