Asked by Anonymous
Since you already have your emergency funds, it would be good to focus on building your portfolio.
Would suggest you set up another savings account for discretionary spending (your wants, travelling etc) and put the rest into investing for the future!
Good job having your emergency savings.
You'll need to calculate your expenditures for the house. Do you need any huge amount of money for it? If so, save your money for the huge expenditure first before investing.
I would suggest splitting up your money, putting some into stocks and some into REITs. Maybe do some research and find out what you'll putting your money into first! :)
Congratulation. Have you purchased any insurance? That's the only essential that I can spot missing from your list. You can consider an insurance cum savings policy (not sure if there are any good ones out there now, I bought mine eons ago).