I feel you. this is a result of societal pressure. a combination of financial insecurity and possibly having a scarcity mindset, where you might have a persistent belief that “not enough” is available, regardless of actual circumstances. This can lead to an intense focus on building financial security, sometimes at the expense of present enjoyment and peace of mind.

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Its a mindset shift. Don't try to compare with others. And set aside "Fun" money, so you deliberately get to enjoy, and knowing that you have indeed already try to save money.

As a financial consultant working with young professionals in Singapore, I often hear a familiar story. Just recently, a client of mine – a 32-year-old software engineer earning $12,000 monthly – shared these exact concerns. Despite ticking all the right boxes (maxed CPF, 40% investment rate, healthy emergency fund), he still felt like he was falling behind.

This isn't just about money – it's about our relationship with achievement and security in Singapore's fast-paced environment.

Here's what I've learned from helping professionals navigate this challenge:

1. The "Moving Goalpost" Trap

Many of us fall into thinking "I'll feel secure when I have X dollars." Yet once we reach X, our mind immediately shifts to Y. This isn't greed – it's what happens when we haven't defined what "enough" truly means for our lives.

2. The Missing Piece: Lifestyle-First Planning

Here's where most get it wrong – they start with numbers instead of life goals. In my practice, we begin by mapping out your ideal life in concrete terms: How many family holidays matter to you? What kind of home do you want? Which activities bring you joy? This creates a tangible framework for "enough."

3. Breaking Free from Anxiety

Based on my experience, here's what actually works:

a) Create Money Buckets

• Necessity Fund (50%): Basic needs, bills, insurance
• Growth Fund (30%): Investments, skills development
• Joy Fund (20%): Activities that make life worth living

b) Set Clear Milestones
Instead of vague goals like "more savings," define specific targets:

• Emergency fund = 6 months of expenses
• Investment portfolio = Annual salary by 35
• Retirement fund = 15x annual expenses by 55

c) Regular Reality Checks
Schedule monthly money dates to:

• Review your progress
• Adjust your targets
• Celebrate your wins

4. The Contentment Formula

I teach my clients the "3-3-3 Rule":

• List 3 things you're financially grateful for
• Identify 3 financial goals you've already achieved
• Plan 3 enjoyable activities within your current budget

Remember: Financial security isn't about endless accumulation – it's about building a sustainable relationship with money that enhances rather than constrains your life.

5. Finding Balance

During my years at NTU and throughout my career helping professionals, I've noticed something interesting: those who find true financial peace aren't necessarily the highest earners. They're the ones who've mastered balancing present joy with future security.

Here's the key insight: not every dollar saved translates to increased happiness. There's a sweet spot, and finding it is crucial for your wellbeing.

Financial anxiety often comes from a good place – you're thinking about the future, which is wise. But when it stops you from living in the present, it's time to adjust your approach.

Want to learn more about building a healthy relationship with money while achieving your goals? Follow me on Instagram (@ngooooied) for daily insights and strategies tailored to Singapore's unique environment. I host weekly live sessions where we dive deeper into topics like this and answer your specific questions.

Remember: The goal isn't to accumulate the most wealth – it's to create a life where money serves as a tool for your happiness, not a source of constant worry.