As the year comes to an end, I typically do an annual review of my finances to check how my progress has been, and where we currently stand. I examine my income growth, expenses, savings, insurance coverage, and investment performance - which helps me to better strategize for the new year. 2021 feels like it passed very quickly, as I spent the first half being pregnant and the second half breastfeeding my newborn. With two kids in tow, I've been running low on sleep, but I know that this is merely a season of my life and will come to pass as my children grow up. Before I go into this year's review, here's a quick recap of previous years:

• 2014: Saved $20,000
• 2015: Saved $30,000 and grew income
• 2016: Saved $40,000 and grew income, hit $100k in net worth at age 26 including CPF
• 2017: Saved $45,000 and doubled my net worth in a year
• 2018: Saved $50,000 
• 2019: Saved $35,000 (didn't realise I completely missed out on a round-up post, but here's our child-related expenses instead)

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