When I first started blogging (cue the first blog post), I set myself a goal to save $100k by 28. $100k cash, excluding CPF. I achieved this at 25. I even thought my $100k would drop downwards after paying for flat, reno, kids. But who would have known that my chance to get a flat would only happen at 27, and my savings grew and grew? $200k at 28 At 28, I hit $200k cash savings. It took me 3 years to grow another $100k. If not for the fact that I've been topping up $14k annually to mum and my CPF RA/SA, spendings on wedding, house related stuff and frequent holidays, I would have much more cash on hand. But, that can't be real, that's not living - those money have to be spent. If not for the fact that I've pumped $80k over the past 7 years into stocks, of which the paper value is now only at $60k+, I'd been $80k "richer"....