I'm 46 years old today so that means its nine years before I get access to my CPF money! Before I talk about the upcoming year, I took a glimpse of what I said a year ago. As it turns out, having low expectations helps in case you wind in a pandemic. I was able to sustain most of my habits throughout the year. a) No Phd attempt, but what a big year for skills development! There was no Phd application even though it's something I am happy to KIV for the moment. This is a huge year. I picked up Python, which led to major developments in my course materials. Then I tried web development and even built a web-app for my students to crowdsource qualitative research. Now I am trying reinforcement and deep learning technologies on financial data-sets. With Datacamp, Coursera, and my own personal projects...