My income comes from 3 sources:

• Interest income from T bills,

• Interest income from bonds (which includes Singapore Saving bonds and other retail bonds), and
• Dividends (mainly from STI ETFs, with some other stocks).

This year was an improvement from last year's income (read here), not because of what I've done this year, but from what I've  done last year - delayed gratification. Even more delayed gratification, was from the saving I accumulated since I started working.  Grateful to myself for having few material desires. If $2000 is the minimum survival sum, I probably survived 62.5% of the time. If I average out the 8 months, I met the minimum survival sum on a monthly basis. My goal for this year is to hit $24,000 passive income, and with 66.7% of the year passed, I'm 70% there. June has been the best month to date, and as you can see, it's contributed mainly through interest income from bond...