I received a great question from a Patron recently:

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Hi FH, So I’ve lucked out after working a few years in tech and got a job at one of the FAANGs. My salary increased exponentially as a result, I am looking at 16k/month (this is before including the stock components). I’m also awarded an additional $100k USD of stocks that will be vested across 4 years. I’m 30 yo. No debt, no property. I plan to get married in 1-2 years time, so I need to keep in mind the big home purchase that will be coming up. I was invested in equities last year but have gone full cash since. I have 100k in CPF and 100k split as follows:

• 75k cash (previously in stocks, currently in money market funds)
• 25k income (bonds + REITS)

I’m currently spending about $2k a month. This means if my lifestyle doesn’t inflate, I’ll soon be sitting on quite a bit of cash from my income...