If you been in this finance space for a while, you would realize one question that you may see often is something like this:

I have $250,000 in X, $50,000 in Y, a further $300,000 in my CPF. I would like to know whether I can retire at age K. I also wish to buy L and M at some point in my life.

Do I have enough? Am I allocating my money correctly?

How much more do I need to accumulate?

Whether you are older, or younger, you are concern mainly about whether you are making the most efficient allocation of your monetary resources. And also if you have enough for what you want to achieve. A large part of financial planning is… figuring out how to allocate your financial resources to fulfill your goals. I think many are trying to figure this out on their own. So I decide...