It is really unbelievable how time flies! Looks like we’re nearing the end of 2021 already! Once again, it is fast approaching the time of the year when we’d soon see fresh bloggers entering the scene, keen to start documenting their journey in personal finance. As always, I find it fascinating and encouraging to read about the experience of others, and to learn from their expertise. Even after nine years of blogging, this is still the case. Personal finance can be such a divisive topic sometimes. I don’t have to like or agree with what others are saying, and likewise, there would be people who feel the same way about me. And that’s totally OK. Regardless, I still maintain my position – and that is there’s always something I can learn from everyone. Because the more I know, the more I realize how little I actually know. It is an open secret that probably...