I'm in between books, so it is time for a personal update. a) Business The rule I apply to this current life is that I need one win out of every initiative I have every year. 2019 was a win on all fronts. 2020 was a bad year for investments but it was ok for my training business. This year my training workload has been cut by a third so training takes a back seat, but the market recovery has been really fierce so far so I should do ok in 2021. To ensure that things will not go as bad as 2020, I am farming my excess time into the Introducer collaboration with iFast. As in all things, there is a lot of work for very few rewards at first, but it's something that can potentially grow over the next 5-10 years. b) CPF and taxes I'm finding it hard to spend money...