MTGS

Retiring by 40 sounds almost impossible in Singapore. With high housing costs, rising healthcare expenses, and one of the world's most expensive cities to live in, early retirement requires more than simply saving a little more each month. But it can be achievable for some people—especially if you approach it as a financial independence problem rather than simply a retirement problem. The goal is straightforward: build enough invested assets that your portfolio can support your lifestyle without requiring a salary. This guide explains how to work towards that goal in Singapore. 1. Define What "Retirement by 40" Means Before calculating how much you need, define retirement. For one person, retirement might mean spending $3,000 a month on a simple lifestyle, travelling occasionally and living in a fully paid-up HDB flat. For another, it might mean $7,000 a month, frequent overseas travel, private healthcare and a condominium lifestyle. These are completely different financi...

My contract is ending soon, so this Wednesday got a newcomer, I greeted him and shook his hand, felt that his hand kind of huge, then after a while I noticed that his hand is very swollen like a balloon, first time meeting him so I didn't want to be rude and ask about his hand. After getting to know more about him, he told me he has a gout flare-up, so his hand is swollen, leg also swollen, then I noticed that he has difficulty walking, like really limping quite badly. His hair is also messy and greasy, middle part like balding, only late 30s but look like late 60s, dress also like machiam homeless person, shoes also like kind of oversized or maybe his feet is huge, he's not that tall but he's got really big shoes, or maybe his feet is also swollen that's why wearing larger shoes, I don't know, overall give me that very unkempt impression. Technically I think he knows his stuff, I can easily pick out a bluffer so he's definitely not a bluffer. Problem is that I ...

https://marrythaigirlsingapore.blogspot.com/2025/10/sold-all-my-cro.html Sold all my CRO on 22 Sep 2025 at an average price of $0.21839, today the price dropped as low as $0.04586, lower than 2023! Wah kao, cannot imagine whoever is still holding on to this super duper mega shitcoin. Looks like the deals between Crypto.com and Trump Media is over: https://www.businesstimes.com.sg/international/trump-media-ends-token-prediction-market-deals-crypto-com Wonder what they are going to do with the 70 billion magic tokens that they printed out of thin air, but I for sure as hell am not going to touch this shitcoin again even with a 10000 foot pole, knn unless give me free I will immediately sell it for USDC hahaha.

This morning suddenly woke up with tightness on my left chest, after that didn't sleep well and felt giddy and didn't go to work. Good thing my home downstairs have a clinic, super convenient, went to see the doctor, did ECG and the doctor thought it is better to send me to A&E for further checks just in case it is heart attack. I think he is concerned because I am a smoker. Took direct bus to NUH A&E, did blood test, ECG and x-ray but didn't find anything unusual. The doctor suspected it could be muscle ache instead since I work out regularly, doctor also talked to me about my smoking habit, told her I am cutting down. Also told her I rarely drink alcohol. She also arranged a threadmill test 2 weeks later. Heng not heart attack, I thought I was going to be warded or something, been smoking too much maybe, one session 2 sticks, frequency increasing, probably should try not to chain smoke too much.

Informed my boss that I will not be renewing my contract, he called me and tried to apply the usual gaslighting tactics like "it's very normal to do multiple roles" haha yeah right, the more you know the more you do at the same pay, if one person can do everything, which boss will hire more people? Come on la, I not first time in the workforce so this trick don't work on me. And funniest part is he told me he promise a 5% increment, I almost laugh out loud, I think he doesn't know that my baseline is 25% lol. But it's ok, I just told him I want to take a long break and see how later on, also told him I will do a proper handover, in the end there's nothing he can do also, contract end, match my expected salary or bye bye, as simple as 123. Anyway I'm working out my expenses, now that my housing settled, no more loan, parents also settled, way better off than me, wife and daughter operations also settled, I think I can just find any job, doesn't need...

Now that my contract is ending in Sep, I have been thinking if I should try other field to see if I can gain a new perspective and ignite a new passion. I have been in IT for 20+ years, it all started with a passion to learn more about hardware, software, network, programming, solve technical problems, every difficult problem I solved, I always felt that I leveled up, I mean I still feel a sense of achievement these days but it kind of feels different, or maybe I got older. I tried various roles, various industries, various projects, different companies, but it's always the same old shit, like people shitting in toilet and don't bother to flush for months and years, and I always have to go in to clean the whole toilet, that whole few years of shit, and I'm just getting a single person's salary. Not sure if people understand this, but for a car to run smoothly, every part has to work well, same goes for any system, any project, some people keep the whole car clean and ni...

So she wanted to find out how come I asked for 15-20% increment, so I shared with her the current situation, people leaving, expanded job scope and etc and she also surprised that I'm the one and only engineer left and she asked if there will be new people coming in I told her got interview one guy but not confirm also because that guy is a foreigner so need to clear another security level even if we want to hire him so it's like 50-50, then also not sure if there will be another guy coming in since 2 engineers tendered. Then she told me it's impossible to get 15-20% increment so I told her I will not renew the contract and I will work until Sep, then she said even though she said impossible but let her check with the company, I also told her that 15-20% was when one guy tendered, now that another guy tendered and there's no certainty of hiring people, I am asking for 25% increment instead. Then she said don't close the chapter yet, let her check, haha, I told her s...

The guy who got an offer submitted his resignation today with 1 month notice, so officially only left me the one and only engineer and two useless managers. Now if I renew my contract it means I have to tank everything and also do the jobs of the two useless managers, so essentially I will be doing 5 person job, asking for only 15-20% sounds absolutely stupid right now. Time to update my resume, even if they pay me 100% more I also can't do so many things and do 24x7x365 standby duty, crazy, now it's not a matter of increment anymore, ship sank, time to get the hell out, heng my contract ending in Sep so no need to tender or anything, just let it lapse lol.

https://marrythaigirlsingapore.blogspot.com/2025/10/almost-1-month-into-new-job.html My one year contract with this company ends in Sep 2026, recently the HR reached out to me regarding contract renewal and I told her my current job scope is quite huge so I want a pay raise, she asked me how much, I told her I want 15%-20% more, she say she will let her manager know. I think I should have asked for 25%-30% more, the job scope is seriously ridiculous and the managers are completely useless, non-existent and delegate everything out, machiam like paralysed patient lying on bed waiting to be spoon-fed, no wonder people call this company a retirement home, a lot of jiak liao bee here. One guy already tendered another guy already got an offer and should be tendering soon, so whole team only left me the only engineer and these two useless managers, the fact that there's 2 managers and 3 engineers tells a lot. If they offer 15%, I will take it and renew another year, if not just move on, I...

https://marrythaigirlsingapore.blogspot.com/2026/03/coinbase-perpetual-futures.html It's been about 4 months or so since I started playing with perpetuals, been trading with BTC and ETH but mostly BTC since it is the most stable among all crypto. Made many mistakes but fortunately still managed to make a profit of US$16,689.68. It's all about capital, market direction, positioning and patience, a lot of patience, many people get wrecked because they open positions of 10x or even 25x, the higher you go, the easier it is to get liquidated, so I try to keep my leverage around 2x to slightly over 3x.