What is our one major investment that we will have to endure no monetary return for a long time? 

Oh yes…. For parents, this investment is unquestionably on your child/children! 

It not only includes the money spent on them, it is the time and energy on them, and the undivided love and attention for them guiding them during their grow up years. 

SPENT MORE THAN 1 MILLION IN THE LAST DECADE 

Recently I told some friends that so far, me and my wife has definitely spent more than SGD 1 million of expenses directly or indirectly because of our four kids. 

It sounds unbelieving, but it is definitely not bragging. 

I have been recording my daily, monthly, and yearly expenses.  Recently I extracted and compiled all the proof of spent. To my astonishment, our expenditure for the last decade on kids easily surpassed the million-dollar mark. 

In the