Family Expense is something hard to control personally. There is so much to use or buy for our kids constantly. As they grow up, when one specific item is no longer needed, two new expense item appears. It's kind of losing battle. The need to constantly review our expenses is critical before it get out-of-hand. This is especially so as I have entered retirement phase. I need to make sure investment returns can cover increasing expenses or conduct planned drawdown as a mitigation plan. As such, there are two levers on managing my portfolio. The dividend portion and the growth part. The hope is that there will not be draw down of the equity portfolio within 10 years as I will hit age 65 by then. This period like CPF, will allow the portfolio to compound....