To all readers who celebrate Chinese New Year, here’s wishing you and your loved ones a healthy, prosperous and wonderful year of the ?.

This IPO blog was started on 7 July 2007 and that was the year of the Fire Pig. 2019 is the year of the Earth Pig. The blog has came to a full zodiac cycle of 12 years. (Amazing to think that I have been blogging for that long…)

As I looked back from 2007 till 2019, what can I share with you? If you are below 40, these may be a few principles to stick with.

Save and save more – when you are young, cultivate the habit of saving. I don’t earn much when I am younger but I save a lot. There is no short cut, you need to save!  • Buy your first property – A roof over your