Junus Eu - Seedly
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Junus Eu

Joined Seedly in Mar 2019, but 10 years into my personal finance journey. Also, don't want to be a unicorn ;)

Junus Eu

About

Joined Seedly in Mar 2019, but 10 years into my personal finance journey. Also, don't want to be a unicorn ;)

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Junus Eu

  • Answers (721)
  • Questions (2)
  • Reviews (4)

Retirement

FIRE Movement

Junus Eu
Junus Eu
Level 9. God of Wisdom
Answered 4d ago
I have 25x of my annual expenditures, but I don't really feel its enough. It's not foolproof, and also involves other things like insurance come into play. Also, 25x is enough for me, but not for my family members as a unit (should they not be able to provide for themselves).
馃憤 0

Investments

Stocks Discussion

COVID-19

Junus Eu
Junus Eu
Level 9. God of Wisdom
Answered 4w ago
It's hard to tell, given that the level of public health readiness differs greatly by country. Layer that on with the fact that supposedly recovered patients could lapse into a serious condition again, which means they could re-enter society and still be contagious while being asymptomatic. That said, markets always go up in the long term!
馃憤 1

Lifestyle

PFF Panel 4

PFF Panel 1

Seedly PFF 2019

Junus Eu
Junus Eu
Level 9. God of Wisdom
Answered on 27 Feb 2020
Maybe work towards a goal like this 62-year old senpai here: 62-year-old former Marine sets Guinness World Record by holding plank for over 8 hours https://edition.cnn.com/2020/02/23/us/new-planking-world-record-trnd/index.html
馃憤 1

Stocks Discussion

Lifestyle

Investments

Personal Finance 101

Junus Eu
Junus Eu
Level 9. God of Wisdom
Updated on 27 Feb 2020
LOVE THIS QUESTION. I would say the biggest challenge is no discipline, as it just underlies the first two factors you mention. I liken achieving financial fitness goals to physical fitness goals, and here's why: 1. Both require time Just as you don't get physically fit and limber in just a day (or even a month), it's the same with your finances. Good things take time (as with compound interest). ;) 2. Both require self-discipline Just as how your abs don't just show up by sitting there, it also takes self-discipline to educate oneself, and also self-restraint to not be reckless with money. 3. Both require patience It takes patience and sticking to the course. Just as how it's probably not wise to pop a pill that promises you a greek god physique, it's also wise not to go for get-rich-quick schemes.
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Savings

Expenses Tracking

Expenses

Savings Accounts

Junus Eu
Junus Eu
Level 9. God of Wisdom
Answered on 25 Feb 2020
Yup, like Kenneth from Seedly, I have been doing to 16:8 protocol. Or if I can, 18:6. I also try to do fasted workouts, so sometimes effectively my first meal is at 1pm or 2pm. Another bonus is that if you are working in the CBD, you get to avoid lunch crowds. To take it further, I sometimes do OMAD. I have done it with a big plate of caifan for 6 bucks, which means my total food cost for that day is 6 bucks, because I usually don't spend on drinks as well.
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MileLion

SG Budget Babe

Debit Cards

Credit Cards

Junus Eu
Junus Eu
Level 9. God of Wisdom
Answered on 24 Feb 2020
YES - primarily when it becomes: 1. Too overwhelming to track 2. Under-utilised cards leading to fees at the end of the year It's important to be fully on top of your spending, whilst you max out the points/cashback/miles.
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Shopping

ShopBack GO

Lifestyle

Junus Eu
Junus Eu
Level 9. God of Wisdom
Answered on 23 Feb 2020
Same, and I think it seems to be the case for most. Sometimes, by the time I get the cashback, I actually don't recall the purchase already!
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AMEX Personal Card

MileLion

Miles

Credit Cards

Junus Eu
Junus Eu
Level 9. God of Wisdom
Answered on 23 Feb 2020
Because of the benefits of this card (which is meant to far outweigh the fees you pay), I doubt it!
馃憤 1

Investments

Savings

Bonds

Stocks Discussion

Junus Eu
Junus Eu
Level 9. God of Wisdom
Answered on 19 Feb 2020
IT IS CALLED EMERGENCY SAVING FOR A REASON, YOU KNOW :) It's really difficult to predict the future - ie. not having to need the money anytime soon in mthe foreseeable future is tough to foretell. High yield savings accounts at least give you the liquidity you would need should you need to withdraw it.
馃憤 3

YouTrip

Promo Codes

Junus Eu
Junus Eu
Level 9. God of Wisdom
Answered on 19 Feb 2020
JUNUS definitely works - for a free $5 in your account :)
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