Here goes mine... 1) yes to automation, my mantra is as much as possible. I automate transfers of allowance, giro to all the key bills, setup future payment of my credit card bills, and even the savings (to set aside / accrue) into savings goals. So my pay comes in 23rd, between 25th to 28th the monthly transfers of allowances and savings goals are completed etc. Only difference I see against other folks is I don't transfer my savings, but rather only the allowance to my spending account. 2) this year I made a change, instead of a monthly allowance, I have weekly transfers of allowance to my spending account. In addition to addressing spending variances for long / short mths (5 weeks vs 4 weeks), it leaves a higher average balance in the 360 acct to earn interest. 3) I have a weird habit to never keep more than 2 dollars of coins. Partly coz it just doesn't make sense to buy a coin purse, or those clanking sound when you walk. Whenever I have more than 2 dollars of coins, they must be used first in the next purchase, coz it makes sense to have less coins and keep those 2 dollar bills to make your wallet lighter right? 4) my new initiative from 2019 is to set aside an amount for tax relief measures that is based off my incremental tax rate. Cause I realize 15k for SRS and 7k for cpf top-up is siong. But when I set it to be say 11.5% of my taxable salary, the amount makes more sense. So the more I earn, the more relief I do to reduce tax. Don't have to go for maximum. 5) regular savings / BCIP - In the past I would have just set aside the regular monthly amount. Since 2018, I came up with my DCA2 system - in addition to choosing the counter to BCIP into, I adjust the monthly contribution (try to at most twice per year, but this year is special) based on the forward dividend yield - so if the yield goes above 5%, the bcip amount would be like 1k monthly. If the yield is between 3.5 - 5%, then its about 800, if the yield is below 3%, then i set the bcip to 600. 6) SSBs as a way to enhance cash flow / hedge against mortgage loan - I now focus only on SSBs for the mths of Jan / Apr / Jul / Oct. Because few stocks / reits pay dividends in those mths. I have a cash flow drought - to minimize the difference in interest + dividends received monthly, SSBs into these four months will reduce variance in incoming monthly cashflow. The other thing I see is also apply a concept similar to DCA2 system to allot more funds for purchases of SSBs, so that I would end up with a higher average 10 year yield that plays differently to my mortgage which is on 3 mth SIBOR. 7) listen to central banks. Interest rates goes up means need to store more cash and buy higher rate bonds. Interest rates go down means economy no good, more spending required... So you use the cash stored to do purchase assets like bank stocks and reits, so your trade counterparty can utilize the cash proceeds from the sale of stocks / reits to boost consumer spending and stimulate the economy.