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Anonymous
It happens immediately and i am lookng forward to my next pay check and just thinking what i can do with my salary to put into investments. I don't get to enjoy the present as a result. How can i cope with this insecurity?
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Kent Toh
9h ago
Consultant at Sprinklr
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Ngooi Zhi Cheng
21h ago
Student Ambassador 2020/21 at Seedly
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:
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.
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."
Based on my experience, here's what actually works:
a) Create Money Buckets
b) Set Clear Milestones
Instead of vague goals like "more savings," define specific targets:
c) Regular Reality Checks
Schedule monthly money dates to:
I teach my clients the "3-3-3 Rule":
Remember: Financial security isn't about endless accumulation – it's about building a sustainable relationship with money that enhances rather than constrains your life.
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.
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Your sense of insecurity could be mental rather than factual/reality.
Like the others already menti...
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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.
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.