How was your 2020?  Well, we hope it was good for you :-) It's been a year of changes and amidst all the ups and downs, we are glad that we achieved certain milestones together as a couple that will eventually lead us to our end-goal which is long term financial stability and a constant flow of passive income. First off, one of the biggest milestone of the year would be selecting our BTO flat and paying the first 5% downpayment. And now the waiting game begins. We have created a tab in our finances spreadsheet to track our costs and financing for our home. Apart from that, we have started a joint account consisting of our reno fund. We have also set up individual reno funds within our own respective bank accounts. So in all, our reno fund is spilt up into...