There's one line that my mom shared with me that I will always remember, "You earn money to spend it, when you spend you will be motivated to earn more." She taught me that the mindset shouldn't be "save more" but to "earn more". Maybe it's to justify her handbag buying habits but she's an incredible risk taker and entrepreneur. She took a leap of faith and came to Singapore with my father 23 years back with nothing in her bank account. We lived in a rented room in commonwealth at the start, which took up half of my parents' paycheck. But they worked hard (and smart), my mom eventually opened up her own fashion business and was earning even more than my dad. There were many more smart financial moves that my mom made but her mentality was always to take the risk and not be afraid to spend. (My mom got mad at me once in Paris cause she said I was being very controlling with the things she wanted to buy haha) So here's to this wonderful capable lady, who taught me to spend instead of scrimp!