I would have collected my pink IC in the morning when I published this article on 2 July 2021. No doubt, 2 years passed in a blink of an eye. It is time to move on to my next phase of life – University. I am excited to share with you in this article my finance report card on personal finance, investments and future plans as a NSF before I officially become a National Servicemen (NSmen) on 4 July 2021. Personal Finance Cash Flow Allocation There is no change in my cash flow allocation since I last disclosed in September last year. For every $1 inflow of cash, I will allocate $0.55 to investments, $0.21 to Savings and the remaining $0.24 to expenses. I will top up from savings if there is a shortfall in my expenses account and any remainder from the top up will be saved in expenses account for future usage....