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Saturday, July 13, 2024


Everyone, every couple can make their choices about how they want to live and what makes them happy.


Your friend could have gotten married early, applied for BTO before their income increased above income ceiling, spent minimal on renovations/furnishings, spent minimal on their wedding & thats his choice.

Some people choose to have loads of savings in the bank and be debt free rather than going for the material things in life and that makes them happy.

As I sit here, I can’t help but look around and reflect upon my life choices. While most of my peers are out there buying the latest gadgets or luxury items, I’m content with having an abundance of savings and no debt. And I wouldn’t have it any other way.

Having an abundance of savings has given me a newfound sense of freedom, security, and control. I no longer have to worry about how I’m going to pay for the things I need or want. Instead, I have the power to make sound financial decisions without having to make sacrifices. It’s an incredible feeling, and one that I’m truly grateful for.


There is something to be said for having a healthy relationship with money. Having a healthy amount of savings means I can allocate my money towards what I deem important. Whether that’s investing in my retirement, taking a dream vacation, or even just splurging on something I’ve wanted for a long time, I can do it without feeling guilty.

In addition to the freedom and control that comes with having an abundance of savings, there’s also the security it provides. Having a cushion of money in the bank means that should any unexpected expenses come up, I can take care of them without having to worry about how I’m going to pay for them.

It also means that if I ever lose my job or experience any other kind of financial hardship, I’ll still have something to fall back on. That security has been invaluable to me, and it’s something I wouldn’t trade for the world.

Of course, there are some people who may think that I’m missing out by not going for the material things in life. But to me, having an abundance of savings is worth much more than having the latest and greatest technology. Sure, the gadgets and luxury items may be nice in the moment, but in the long run, having a strong financial foundation is much more rewarding.

It’s also taught me a lot about myself. I’ve come to realize that I’m not driven by material things, but rather, by experiences and moments. I’m much more likely to opt for a great experience over a new gadget, and that’s been incredibly liberating.


So, while some may think I’m crazy for not going for the material things in life, I’m quite content with my decision. Having an abundance of savings and being debt free has greatly improved my life and has given me a newfound sense of freedom and security. And, it’s taught me a lot about myself and what makes me truly happy.

The same goes, you can choose to have a nice wedding, get a nice bto location, have a nice reno on your dream home, but that also means living with debt probably for the next couple of years or more.

Whatever makes you happy works. No need to compare and make yourself upset over nothing.

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