Hello July~

Half a year has passed, have you done what you wanted to?
Usually at this time i would be counting $$ and thinking what i wanna do..

After i got my bonus, i drop a big amt (big to me) to my parents and left with peanuts to continue.

This time is great. Coz i no longer have to save for wedding or house. Thus my pondering started

1. Is CPF really enough for retirement?
Consider that i bought a flat at age 23, i would need to pay till 53yo. And at 53yo, i'm like 12 years away from the retirement. Retirement nest will be like so small and how am i suppose to survive? Therefore i dig out the retirememt plan that when i was 22yo. Oh shit, i need 1.2m to retire lor.. so now i'm like gg 27 thus 65 - 27 = 38 years to save. Using a linear algorithm, i will need to save abt 31.5k per year. This seems damn tough, so i change to a non-linear curve instead.. also need abt 20++ k.. =(
Nevertheless, this amount is important. Whether i need it or not considering about the Special Account in CPF, i still need some savings.. so gotta jiayou on saving without compromising the life i wanna live. And this means a pathetic result. I gotta find a high-pay-job. I'm looking for a job with minimum annual pay at 80k. Please reco if any (i'm not joking about the 80k)

2. Car or no car.
I really wanted one even though i cannot drive. Afterall driving is tiring that's why i hate to do so. But my hubby can drive, so he can drive me around while i enjoy KOI and music in the passenger seat. I'm looking at the list of 2nd-hand car but provide the hubby is working well. He is looking at a change of job and he is really working hard on it. But i can somewhat feel that the response of that job is bad.. shall i apply for that instead? If hubby fails to get the job, shall i go for it? But the idea of working at TUAS and 7am - 4pm with alt sat makes me wanna cry sia~ =( However if i get this job, i may consider 1)buy car, 2)learn to drive.

3. What is the next target in life?
I suppose to go for japanese lesson placement test last month. Coz the japanese lesson will start this month. Up till now, i have not went for it, and i'm utterly disappointed at myself. Haiz.. should make a phone call soon.

I start to wonder if i can live like the way my hubby & his siblings does. Have a simple life and ask for nothing much. In fact, the way i'm brought is not so simple. We were taught to look at higher points and move upwards whenever we can.. so it is going to be very tough when i have someone who is not moving with me.