Author: Early Retirement SG

Do the rich not want you to become rich?

If you read many of Robert Kiyosaki’s books, the “Rich Dad Poor Dad” range of books, he talks a lot about things like, “What the rich don’t want you to know” or stuff like the rich people tell him “Not to teach the common folk how to get rich”… Not the exact words, but the idea that the rich don’t want to teach or don’t want more folks to get rich. Maybe it’s just marketing, but I know that there are people who think that the rich don’t want the common folk to get rich… Firstly, Robert Kiyosaki… Ok...

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Expense Update 30 Sep 2019 (Paris)

This month’s expense update is pretty boring. We really didn’t spend on anything. I went to a Korean grocery store to buy some kimchi and chilli paste so thats the €14.45 worth of food.  Then we had our 7 day trip. I wrote about that here. That’s the bulk of our expense for this month. €775.47This includes our eating out for the month, I put this as a “want” cos… IF we didn’t go on the trip this whole bunch of expenses would have disappeared, cos IF we stayed in Paris, the expense for food would be significantly lower. Since the...

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Climate Change and Retirement Planning

Ok so what relationship is there between climate change and retirement planning? Well… There really is a lot in common. Firstly, some people care about it, some people don’t. Even within the people who know they have to do something about it, a lot of people also don’t do anything about it. The thing is, retirement planning and climate change doesn’t happen overnight. It takes years and years of planning to achieve the desired outcome. And 30 years down the line, when the climate is too hot for humans to live comfortably… well… same as retirement planning, 30 years...

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The Easy Economics Lesson

I’m sure you all can see, I’m spending a lot of time on Youtube. It gives me inspiration and new ideas, I learn more about things, or get a better understanding of things. Youtube, if used for educational purposes, is a wealth of knowledge. If just purely for entertainment and just about online influencers and watching other peoples’ lives, then it just increases entertainment and consumption. Anyway, here’s a 30 minute clip on how the economics machine works, debt, money, lending and cycles. It’s pretty good. I usually don’t like long clips but, well… this guy is Ray Dalio,...

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The Art of Doing NOTHING

You see, I tend to do … Nothing, but it’s really not doing nothing…Cos when I do nothing, it pretty much answers to what society means when they deem me to be doing nothing. Yes I pretty much don’t do real “productive” things that society feels everyone should be doing.  But I tend to reflect a lot on my life, and I think, what I would say is… I’ve probably streamlined my life to take out a lot of clutter and white noise. I tend to like to do simple things that make me happy, avoid people who annoy me,...

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Expense update Aug 2019 (Paris)

Ok I’m not going to run thru all the expenses line by line. Cos it’s more or less the same thing. I’ll just talk a bit about what’s happening. Expense increased around €800.We booked a 1 week tour to Switzerland, Italy, and some rural parts of Paris. It’s a guided tour, mostly inside a bus and we will be travelling many hours in a bus, we thought it would be an easy way to go get a flavour of the area around us, and if we like it, we can do a dedicated trip there on our own another time.So...

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Scarcity Mindset, Financial Security, etc… (Part 2)

Here is part 1 So I wrote previously about how my “work” is similar to normal work. And even though I have enough, I keep trying to get more so that I have excess and have more “security”. And so, I’d like to build upon what happened to me recently. So I managed to find a place where I can get quite good stuff… meat, prepacked food, cheeses, yogurts, etc. WOW… so much better than the fresh fruits and vegetables that I’ve been eating. For almost 2 months, I have been eating 90% fruits and vegetables. Which is really...

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Taking Care of Mental Health

I got a comment by “temperament” on my last post. I think it’s a worthy question which deserves a post on it’s own. Cos I have a number of friends who are struggling with mental issues, or have overcome it. I’ve never really had much mental issues. I think also due to my attitude in life. For me, I feel the problem and answer is very simple. Many people have desires, wants, aspirations, feelings, loneliness, security, recognition, etc etc. It’s part of life. People strive hard to attain these, but when they go unfulfilled, people get stressed and it...

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Lifestyle Inflation

I think a lot of people are familiar with this… Pretty everyone want’s to upgrade… or at least remain the same. That’s pretty much what life is about right? If you have a 4 room HDB, you probably want to move to a condo, or at least remain the same in the 4 room HDB. Most people won’t want to move to a 3 room HDB. If you eat rice and some meat and vegetables today, you would probably want something similar tomorrow or better. You probably won’t want to just eat plain rice. And ever since young… we...

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Am ERSG an Environmentalist?

I’ve been talking about climate change and carbon footprint and consumerism and such… ​So the question is… Is ERSG an environmentalist? Someone who really cares about climate change? Carbon footprint? Etc? I think for me, the real answer isn’t so simple as a yes or no… In truth, I don’t think so much about climate change or carbon footprint. I think about this from 2 points of view. 1) Saving money. 2) Wastage of resources. But somehow it results in a situation where it appears or sounds that I am very interested in climate change. The actual end goal...

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Scarcity Mindset, Financial Security, etc…

I’ve been getting free food in Paris… I think I’ve written about it before. Sometimes I get more, sometimes I get less within a 1 hour period. I don’t go and collect food for the whole day. After I get food, I clean it up, cook, preserve, freeze, etc… Then I realized… how “similar” my life is to everyone else…You see, when I was working, or when most people work, they are somewhat financially insecure. People work for more years, save more, cos… they don’t know how much they need in the future. They keep on working and saving more....

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Expense Update July 2019 (Paris)

Okay this is my first full month in Paris. Expense has risen mainly cos we have been taking trips out of central Paris to go see some sights. Food expense has dropped. €57.80 Basically, we ate out a lot less and bought less groceries. Toiletries is at €19.79.  Which is no real difference from our first month. Basically, topping up our shampoo and washing liquids. Transport €27.05. Transport expense is pretty tricky to determine, cos it’s like a top-up card. So I topped up my card to use my UOB credit card to clock more of my S$500 spend....

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Is Value ALWAYS Valuable?

This is a strange idea… Most of us like discounts. Especially for things that we use. Like if we buy 2 chicken for the price of 1. That’s a good deal right? We can eat one chicken today and eat another chicken tomorrow. But… is this always true? ​When I was fixing my laptop… I was offered this deal. 1 TB Hard disk + repair = $120 500 GB + repair = $110 Just for $10 more, I could get 500GB more of storage space in my laptop… But yet I chose to only spend $110… Cos… even though...

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Doing more with less

Doing more with less, or rather, making the best of what you have. I didn’t realize this, or rather, I didn’t think much about it. The thing about freegan living is that… well, I don’t get exactly what I want, and I don’t get spices and a lot of other condiments and stuff. So yes, I do have so buy some. I try not to buy too much variety cos most of the time, people buy different types of condiments but end up not using them. They use it for one recipe then they keep it in the cupboard...

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Paris Expense Update 14 – 30 June 2019

Okay! I’ve started tracking expenses again cos I’m in Paris and it’s going to be interesting to see how much I spend when I’m here. Note that this month’s expenses will be quite messed up cos I’ve been here for only half a month but some of the expenses here are also from my fixed expenses in SG. I’ve stopped tracking my SG discretionary expenses so I don’t have those numbers. So the expenses this month will be just a feel/estimate of what my expenses will be like the next few months.  So let’s just look at the Paris expense for this...

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