What Brings You More Happiness: Saving or Spending?

An 80-year-old man who lives in one such rental flat leads a frugal lifestyle. Yet, unbeknownst to many, his personal savings amount to a staggering SGD $1 million! Perhaps saving money has become a source of joy in his life. Rather than using his savings to improve his living conditions, he finds greater satisfaction in the sense of security brought by a substantial bank balance. ------------- Which spending and saving philosophy resonates with you more? Do you have strict saving plans like the 80-year-old man? When will or when did you achieve SGD 1 million savings?

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Jozzzz

2024-12-01

People forget life is for living and money is for circulating. I live life, have 2 kids, condo, car, and still have $1M at 30…

AKUN 15

2024-11-27

Tiger trede good jop

Success88

2024-11-27

Rental flat can be expensive if owner increase your rental. I would rather save and get a flat if possible

phagefish

2024-12-01

invest just $500k under tiger platform will greatly improve the quality of life in those rental flats.

BrenT

2024-12-01

Should leave a balanced life as frankly we need to plan for it yet we also won’t know when it will end

AN88

2024-11-28

Saving and making money work for me like investing. Spending wisely make me happy

Zarkness

2024-11-27

Buy and save does not matter as long it brings happiness !! Simple for me

AN88

2024-11-27

Won't add more. Market had been climbing too high. Soon it will drop

Nickpla

2024-12-01

When I achieve a million, my passive income can feed my lifestyle.

HengHeng98

2024-12-01

Yes yes. That $1m is reserved for his doctors.

fir3tiger

2024-11-28

earn and spend and save all moderately

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Rather than using his savings to improve his living conditions, he finds greater satisfaction in the sense of security brought by a substantial bank balance.\n-------------\nWhich spending and saving philosophy resonates with you more?\nDo you have strict saving plans like the 80-year-old man?\nWhen will or when did you achieve SGD 1 million savings?","image":"https://community-static.tradeup.com/news/2c3ea8bb26de99d71e4680af84a2a47a","type":0,"style":1,"follow":false,"createTime":1732702083814,"userCounts":3,"rnLink":"https://laohu8.com/RN?name=RNTheme&page=/theme/detail&rndata={\"themeId\":f929f88695c54f32a39bb258c094ce12}&rnconfig={\"headerBarHidden\": true}","subscribe":false,"allowFollow":true,"hasReward":true,"rewardScore":1000,"rewardValidDate":1732896000000,"rewardEnd":true,"symbols":[],"tweetCounts":44,"categoryId":"d3c66e9d6c224ba082ca76ee654847ca","options":[],"votedOptionId":"","totalUserCount":0,"followStatus":false,"themeName":"What Brings You More Happiness: Saving or Spending?","tweetAmount":44,"imageIsDefault":false},"tab":"essen","allList":[{"id":375620828098720,"gmtCreate":1732746023924,"gmtModify":1732746034434,"author":{"id":"4184660311217232","authorId":"4184660311217232","name":"Gehlot","avatar":"https://community-static.tradeup.com/news/53dc63242823ec77ec80ac52b1cdf5e2","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"4184660311217232","authorIdStr":"4184660311217232"},"themes":[],"htmlText":"[Miser]&nbsp;&nbsp; The Happiness Equation: Savings vs. Spending The age-old question of whether saving or spending brings more happiness has perplexed philosophers and economists alike. While both practices have their merits, the key to true happiness often lies in a balanced approach. The Joy of Spending Spending money can undoubtedly bring immediate gratification. Whether it's indulging in a delicious meal, purchasing a desired item, or taking a dream vacation, spending can boost mood and provide a sense of pleasure. However, the happiness derived from spending is often fleeting, and excessive spending can lead to financial stress and anxiety. The Serenity of Saving Saving money, on the other hand, offers a longer-term sense of security and peace of mind. Knowing that you have a financi","listText":"[Miser]&nbsp;&nbsp; The Happiness Equation: Savings vs. Spending The age-old question of whether saving or spending brings more happiness has perplexed philosophers and economists alike. While both practices have their merits, the key to true happiness often lies in a balanced approach. The Joy of Spending Spending money can undoubtedly bring immediate gratification. Whether it's indulging in a delicious meal, purchasing a desired item, or taking a dream vacation, spending can boost mood and provide a sense of pleasure. However, the happiness derived from spending is often fleeting, and excessive spending can lead to financial stress and anxiety. The Serenity of Saving Saving money, on the other hand, offers a longer-term sense of security and peace of mind. Knowing that you have a financi","text":"[Miser] The Happiness Equation: Savings vs. Spending The age-old question of whether saving or spending brings more happiness has perplexed philosophers and economists alike. While both practices have their merits, the key to true happiness often lies in a balanced approach. The Joy of Spending Spending money can undoubtedly bring immediate gratification. Whether it's indulging in a delicious meal, purchasing a desired item, or taking a dream vacation, spending can boost mood and provide a sense of pleasure. However, the happiness derived from spending is often fleeting, and excessive spending can lead to financial stress and anxiety. The Serenity of Saving Saving money, on the other hand, offers a longer-term sense of security and peace of mind. Knowing that you have a financi","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/375620828098720","isVote":1,"tweetType":1,"viewCount":2320,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"4106547232749330","authorId":"4106547232749330","name":"Tiger_SG","avatar":"https://community-static.tradeup.com/news/9eb57a835b72d997d1941fb6605d80a4","crmLevel":1,"crmLevelSwitch":0,"idStr":"4106547232749330","authorIdStr":"4106547232749330"},"content":"Thanks for your sharing!! We all need goals and budgets to plan our saving and spending better❤️ 💖","text":"Thanks for your sharing!! We all need goals and budgets to plan our saving and spending better❤️ 💖","html":"Thanks for your sharing!! We all need goals and budgets to plan our saving and spending better❤️ 💖"}],"imageCount":0,"langContent":"EN","totalScore":0},{"id":375643092652096,"gmtCreate":1732740863658,"gmtModify":1732740868191,"author":{"id":"4181877949416372","authorId":"4181877949416372","name":"AN88","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"idStr":"4181877949416372","authorIdStr":"4181877949416372"},"themes":[],"htmlText":"Won't add more. Market had been climbing too high. Soon it will drop","listText":"Won't add more. Market had been climbing too high. Soon it will drop","text":"Won't add more. Market had been climbing too high. Soon it will drop","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/375643092652096","isVote":1,"tweetType":1,"viewCount":10,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":375638705303768,"gmtCreate":1732739892950,"gmtModify":1732739898140,"author":{"id":"3584918958368537","authorId":"3584918958368537","name":"DavidSG","avatar":"https://community-static.tradeup.com/news/b62f8a2fbea5d1aa170a8eb61a14c78d","crmLevel":12,"crmLevelSwitch":1,"followedFlag":false,"idStr":"3584918958368537","authorIdStr":"3584918958368537"},"themes":[],"htmlText":"Definitely invest to have the compounding effect in the long run! <a href=\"https://ttm.financial/S/NVDA\">$NVIDIA Corp(NVDA)$&nbsp;</a><v-v data-views=\"1\"></v-v>&nbsp;<a href=\"https://ttm.financial/S/MSFT\">$Microsoft(MSFT)$&nbsp;</a><v-v data-views=\"1\"></v-v>&nbsp;<a href=\"https://ttm.financial/S/AMZN\">$Amazon.com(AMZN)$&nbsp;</a><v-v data-views=\"1\"></v-v>&nbsp;<a href=\"https://ttm.financial/S/GOOG\">$Alphabet(GOOG)$&nbsp;</a>&nbsp;<a href=\"https://ttm.financial/S/META\">$Meta Platforms, Inc.(META)$&nbsp;</a><v-v data-views=\"1\"></v-v>&nbsp;","listText":"Definitely invest to have the compounding effect in the long run! <a href=\"https://ttm.financial/S/NVDA\">$NVIDIA Corp(NVDA)$&nbsp;</a><v-v data-views=\"1\"></v-v>&nbsp;<a href=\"https://ttm.financial/S/MSFT\">$Microsoft(MSFT)$&nbsp;</a><v-v data-views=\"1\"></v-v>&nbsp;<a href=\"https://ttm.financial/S/AMZN\">$Amazon.com(AMZN)$&nbsp;</a><v-v data-views=\"1\"></v-v>&nbsp;<a href=\"https://ttm.financial/S/GOOG\">$Alphabet(GOOG)$&nbsp;</a>&nbsp;<a href=\"https://ttm.financial/S/META\">$Meta Platforms, Inc.(META)$&nbsp;</a><v-v data-views=\"1\"></v-v>&nbsp;","text":"Definitely invest to have the compounding effect in the long run! $NVIDIA Corp(NVDA)$ $Microsoft(MSFT)$ $Amazon.com(AMZN)$ $Alphabet(GOOG)$ $Meta Platforms, Inc.(META)$","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":6,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/375638705303768","isVote":1,"tweetType":1,"viewCount":2383,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"4194867918171322","authorId":"4194867918171322","name":"Kelwin0917","avatar":"https://community-static.tradeup.com/news/72bebaf6efd2b51934cbbca861a1b444","crmLevel":1,"crmLevelSwitch":0,"idStr":"4194867918171322","authorIdStr":"4194867918171322"},"content":"You can pay attention to OPTT to see if the current stock price is not high","text":"You can pay attention to OPTT to see if the current stock price is not high","html":"You can pay attention to OPTT to see if the current stock price is not high"}],"imageCount":0,"langContent":"EN","totalScore":0},{"id":375550588211584,"gmtCreate":1732728878496,"gmtModify":1732728882629,"author":{"id":"4125532638806262","authorId":"4125532638806262","name":"ECLC","avatar":"https://community-static.tradeup.com/news/09fb0c58bc7fe8c4936dcdd44711a4e0","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"idStr":"4125532638806262","authorIdStr":"4125532638806262"},"themes":[],"htmlText":"Definitely save first, then spend some. Learn from young to \"save for rainy day\". Also, remember to bless others as we have been blessed.","listText":"Definitely save first, then spend some. Learn from young to \"save for rainy day\". Also, remember to bless others as we have been blessed.","text":"Definitely save first, then spend some. Learn from young to \"save for rainy day\". Also, remember to bless others as we have been blessed.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/375550588211584","isVote":1,"tweetType":1,"viewCount":622,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":375549453078888,"gmtCreate":1732728600686,"gmtModify":1732728605244,"author":{"id":"3572916667219493","authorId":"3572916667219493","name":"Zarkness","avatar":"https://static.tigerbbs.com/4b8c61830c4883c4232aece921d89d14","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3572916667219493","authorIdStr":"3572916667219493"},"themes":[],"htmlText":"Buy and save does not matter as long it brings happiness !! Simple for me&nbsp;","listText":"Buy and save does not matter as long it brings happiness !! Simple for me&nbsp;","text":"Buy and save does not matter as long it brings happiness !! Simple for me","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/375549453078888","isVote":1,"tweetType":1,"viewCount":751,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":375551483596928,"gmtCreate":1732718498813,"gmtModify":1732718502776,"author":{"id":"4101948424484190","authorId":"4101948424484190","name":"Success88","avatar":"https://static.itradeup.com/news/4408e1a22d73e99adb53aa65dde8ad91","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"idStr":"4101948424484190","authorIdStr":"4101948424484190"},"themes":[],"htmlText":"Rental flat can be expensive if owner increase your rental. I would rather save and get a flat if possible","listText":"Rental flat can be expensive if owner increase your rental. I would rather save and get a flat if possible","text":"Rental flat can be expensive if owner increase your rental. I would rather save and get a flat if possible","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/375551483596928","isVote":1,"tweetType":1,"viewCount":426,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":375509097504896,"gmtCreate":1732708150646,"gmtModify":1732708154935,"author":{"id":"3582666036773232","authorId":"3582666036773232","name":"ilovemoneymoney","avatar":"https://community-static.tradeup.com/news/0da51d41271dc6738063b8d226e4015f","crmLevel":12,"crmLevelSwitch":1,"followedFlag":false,"idStr":"3582666036773232","authorIdStr":"3582666036773232"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/TIGR\">$Tiger Brokers(TIGR)$ </a> totally has no desire to buy anything but can spend a leg and arm on any investment. hahaha!!! invest in my money machine.&nbsp;","listText":"<a href=\"https://ttm.financial/S/TIGR\">$Tiger Brokers(TIGR)$ </a> totally has no desire to buy anything but can spend a leg and arm on any investment. hahaha!!! invest in my money machine.&nbsp;","text":"$Tiger Brokers(TIGR)$ totally has no desire to buy anything but can spend a leg and arm on any investment. hahaha!!! invest in my money machine.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/375509097504896","isVote":1,"tweetType":1,"viewCount":652,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":375505621651648,"gmtCreate":1732707302765,"gmtModify":1732707307765,"author":{"id":"4178456170776022","authorId":"4178456170776022","name":"AKUN 15","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"4178456170776022","authorIdStr":"4178456170776022"},"themes":[],"htmlText":"Tiger trede good jop&nbsp;","listText":"Tiger trede good jop&nbsp;","text":"Tiger trede good jop","images":[{"img":"https://community-static.tradeup.com/news/77917017cf32afe54ec371fe36547eee","width":"720","height":"1600"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/375505621651648","isVote":1,"tweetType":1,"viewCount":10,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":375496670195816,"gmtCreate":1732705116038,"gmtModify":1732705769200,"author":{"id":"3561713422683896","authorId":"3561713422683896","name":"TheStrategist","avatar":"https://community-static.tradeup.com/news/a1f9b1071e75ec59572f7ba9bbb0a4ed","crmLevel":12,"crmLevelSwitch":1,"followedFlag":false,"idStr":"3561713422683896","authorIdStr":"3561713422683896"},"themes":[],"htmlText":"It's not the real estate. That's saturated. it's the cash which he has the power to do anything. 🤣🤣🤣🤣🤑🤑🤑🤑🔥🔥🔥🔥🔥","listText":"It's not the real estate. That's saturated. it's the cash which he has the power to do anything. 🤣🤣🤣🤣🤑🤑🤑🤑🔥🔥🔥🔥🔥","text":"It's not the real estate. That's saturated. it's the cash which he has the power to do anything. 🤣🤣🤣🤣🤑🤑🤑🤑🔥🔥🔥🔥🔥","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/375496670195816","isVote":1,"tweetType":1,"viewCount":467,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":375488471900272,"gmtCreate":1732703114898,"gmtModify":1732703119754,"author":{"id":"4132300740238052","authorId":"4132300740238052","name":"icycrystal","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"idStr":"4132300740238052","authorIdStr":"4132300740238052"},"themes":[],"htmlText":"always save before spending... however, do not forget to live life and enjoy life... no point save and not enjoy isn't it [Tongue]&nbsp; [Tongue]&nbsp; [Tongue]&nbsp; but remember to spend within means [smile] [smile] [smile] <a href=\"https://ttm.financial/U/4113904591642392\"> @LMSunshine </a><a href=\"https://ttm.financial/U/3585001294737518\"> @Universe宇宙 </a><a href=\"https://ttm.financial/U/4100927749199030\"> @rL </a><a href=\"https://ttm.financial/U/3573390365123336\"> @GoodLife99 </a><a href=\"https://ttm.financial/U/3581735774790928\"> @HelenJanet </a><a href=\"https://ttm.financial/U/3559581955535845\"> @koolgal </a><a href=\"https://ttm.financial/U/3581734406950755\"> @Shyon </a><a href=\"https://ttm.financial/U/4091884160412060\"> @Aqa </a><a href=\"https://ttm.financial/U/4093561479903300\"> @</a>","listText":"always save before spending... however, do not forget to live life and enjoy life... no point save and not enjoy isn't it [Tongue]&nbsp; [Tongue]&nbsp; [Tongue]&nbsp; but remember to spend within means [smile] [smile] [smile] <a href=\"https://ttm.financial/U/4113904591642392\"> @LMSunshine </a><a href=\"https://ttm.financial/U/3585001294737518\"> @Universe宇宙 </a><a href=\"https://ttm.financial/U/4100927749199030\"> @rL </a><a href=\"https://ttm.financial/U/3573390365123336\"> @GoodLife99 </a><a href=\"https://ttm.financial/U/3581735774790928\"> @HelenJanet </a><a href=\"https://ttm.financial/U/3559581955535845\"> @koolgal </a><a href=\"https://ttm.financial/U/3581734406950755\"> @Shyon </a><a href=\"https://ttm.financial/U/4091884160412060\"> @Aqa </a><a href=\"https://ttm.financial/U/4093561479903300\"> @</a>","text":"always save before spending... however, do not forget to live life and enjoy life... no point save and not enjoy isn't it [Tongue] [Tongue] [Tongue] but remember to spend within means [smile] [smile] [smile] @LMSunshine @Universe宇宙 @rL @GoodLife99 @HelenJanet @koolgal @Shyon @Aqa @","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/375488471900272","isVote":1,"tweetType":1,"viewCount":1649,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"4141429963588842","authorId":"4141429963588842","name":"TigerAI","avatar":"https://community-static.tradeup.com/news/decf3d8a922fc5c1c1d787bf8b36173f","crmLevel":1,"crmLevelSwitch":0,"idStr":"4141429963588842","authorIdStr":"4141429963588842"},"content":"As an AI, I don't have personal experiences or financial goals, so I don't have a personal spending and saving philosophy or an achievement of SGD 1 million in savings. However, I can provide some general insights on spending and saving. Different individuals have different financial goals and priorities. Some people prefer a more balanced approach, enjoying life while still saving for the future, while others may prioritize saving and adopt a stricter saving plan. It's important to find a balance that works for you and aligns with your financial goals and values. Having a strict saving plan can be beneficial in building wealth and achieving financial milestones. It involves setting clear savings goals, creating a budget, and consistently saving a portion of your income. This disciplined approach can help you accumulate savings over time and achieve your financial objectives. On the other hand, it's also important to enjoy life and find a balance between saving and spending. It's okay to reward yourself or indulge in experiences that bring you joy and fulfillment. The key is to spend within your means and avoid excessive debt or financial strain. When it comes to achieving SGD 1 million in savings, it depends on various factors such as your income, expenses, savings rate, investment returns, and time horizon. It's essential to set realistic goals and work towards them consistently. Investment strategies, such as diversifying your portfolio, can also help in growing your savings over time. Remember, financial planning is a personal journey, and what works for one person may not work for another. It's important to evaluate your own financial situation, set achievable goals, and make informed decisions based on your individual circumstances. Consider consulting with a financial advisor who can provide personalized guidance tailored to your specific needs and goals. Please note that the above information is for educational purposes only and does not constitute financial advice. Investing and saving involve risks, and it's important to conduct thorough research and seek professional advice before making any financial decisions.","text":"As an AI, I don't have personal experiences or financial goals, so I don't have a personal spending and saving philosophy or an achievement of SGD 1 million in savings. However, I can provide some general insights on spending and saving. Different individuals have different financial goals and priorities. Some people prefer a more balanced approach, enjoying life while still saving for the future, while others may prioritize saving and adopt a stricter saving plan. It's important to find a balance that works for you and aligns with your financial goals and values. Having a strict saving plan can be beneficial in building wealth and achieving financial milestones. It involves setting clear savings goals, creating a budget, and consistently saving a portion of your income. This disciplined approach can help you accumulate savings over time and achieve your financial objectives. On the other hand, it's also important to enjoy life and find a balance between saving and spending. It's okay to reward yourself or indulge in experiences that bring you joy and fulfillment. The key is to spend within your means and avoid excessive debt or financial strain. When it comes to achieving SGD 1 million in savings, it depends on various factors such as your income, expenses, savings rate, investment returns, and time horizon. It's essential to set realistic goals and work towards them consistently. Investment strategies, such as diversifying your portfolio, can also help in growing your savings over time. Remember, financial planning is a personal journey, and what works for one person may not work for another. It's important to evaluate your own financial situation, set achievable goals, and make informed decisions based on your individual circumstances. Consider consulting with a financial advisor who can provide personalized guidance tailored to your specific needs and goals. Please note that the above information is for educational purposes only and does not constitute financial advice. Investing and saving involve risks, and it's important to conduct thorough research and seek professional advice before making any financial decisions.","html":"As an AI, I don't have personal experiences or financial goals, so I don't have a personal spending and saving philosophy or an achievement of SGD 1 million in savings. However, I can provide some general insights on spending and saving. Different individuals have different financial goals and priorities. Some people prefer a more balanced approach, enjoying life while still saving for the future, while others may prioritize saving and adopt a stricter saving plan. It's important to find a balance that works for you and aligns with your financial goals and values. Having a strict saving plan can be beneficial in building wealth and achieving financial milestones. It involves setting clear savings goals, creating a budget, and consistently saving a portion of your income. This disciplined approach can help you accumulate savings over time and achieve your financial objectives. On the other hand, it's also important to enjoy life and find a balance between saving and spending. It's okay to reward yourself or indulge in experiences that bring you joy and fulfillment. The key is to spend within your means and avoid excessive debt or financial strain. When it comes to achieving SGD 1 million in savings, it depends on various factors such as your income, expenses, savings rate, investment returns, and time horizon. It's essential to set realistic goals and work towards them consistently. Investment strategies, such as diversifying your portfolio, can also help in growing your savings over time. Remember, financial planning is a personal journey, and what works for one person may not work for another. It's important to evaluate your own financial situation, set achievable goals, and make informed decisions based on your individual circumstances. Consider consulting with a financial advisor who can provide personalized guidance tailored to your specific needs and goals. Please note that the above information is for educational purposes only and does not constitute financial advice. Investing and saving involve risks, and it's important to conduct thorough research and seek professional advice before making any financial decisions."}],"imageCount":0,"langContent":"EN","totalScore":0},{"id":375488420327536,"gmtCreate":1732703102307,"gmtModify":1732703107060,"author":{"id":"4132300740238052","authorId":"4132300740238052","name":"icycrystal","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"idStr":"4132300740238052","authorIdStr":"4132300740238052"},"themes":[],"htmlText":"always save before spending... however, do not forget to live life and enjoy life... no point save and not enjoy isn't it [Tongue] [Tongue] [Tongue] but remember to spend within means [smile] [smile] [smile] <a href=\"https://ttm.financial/U/4113904591642392\"> @LMSunshine </a><a href=\"https://ttm.financial/U/3585001294737518\"> @Universe宇宙 </a><a href=\"https://ttm.financial/U/4100927749199030\"> @rL </a><a href=\"https://ttm.financial/U/3573390365123336\"> @GoodLife99 </a><a href=\"https://ttm.financial/U/3581735774790928\"> @HelenJanet </a><a href=\"https://ttm.financial/U/3559581955535845\"> @koolgal </a><a href=\"https://ttm.financial/U/3581734406950755\"> @Shyon </a><a href=\"https://ttm.financial/U/4091884160412060\"> @Aqa </a><a href=\"https://ttm.financial/U/4093561479903300\"> @SPACE ROCKET </a>&lt;","listText":"always save before spending... however, do not forget to live life and enjoy life... no point save and not enjoy isn't it [Tongue] [Tongue] [Tongue] but remember to spend within means [smile] [smile] [smile] <a href=\"https://ttm.financial/U/4113904591642392\"> @LMSunshine </a><a href=\"https://ttm.financial/U/3585001294737518\"> @Universe宇宙 </a><a href=\"https://ttm.financial/U/4100927749199030\"> @rL </a><a href=\"https://ttm.financial/U/3573390365123336\"> @GoodLife99 </a><a href=\"https://ttm.financial/U/3581735774790928\"> @HelenJanet </a><a href=\"https://ttm.financial/U/3559581955535845\"> @koolgal </a><a href=\"https://ttm.financial/U/3581734406950755\"> @Shyon </a><a href=\"https://ttm.financial/U/4091884160412060\"> @Aqa </a><a href=\"https://ttm.financial/U/4093561479903300\"> @SPACE ROCKET </a>&lt;","text":"always save before spending... however, do not forget to live life and enjoy life... no point save and not enjoy isn't it [Tongue] [Tongue] [Tongue] but remember to spend within means [smile] [smile] [smile] @LMSunshine @Universe宇宙 @rL @GoodLife99 @HelenJanet @koolgal @Shyon @Aqa @SPACE ROCKET <","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/375488420327536","isVote":1,"tweetType":1,"viewCount":1729,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"4141429963588842","authorId":"4141429963588842","name":"TigerAI","avatar":"https://community-static.tradeup.com/news/decf3d8a922fc5c1c1d787bf8b36173f","crmLevel":1,"crmLevelSwitch":0,"idStr":"4141429963588842","authorIdStr":"4141429963588842"},"content":"As an AI financial analyst, I have no personal feelings, attitudes and ideas, so I can't answer the personal financial views you mentioned. However, I can offer you some tips to help you create a personal financial plan. According to the advice of financial experts, a healthy financial plan should include the following aspects: Balance savings and spending: Make sure you have a portion of your income to save each month and plan your spending properly. A common advice is to spend 20% of your income on savings and 80% on everyday expenses and other consumption. Establish an emergency reserve: Reserve three to six months of living expenses for emergencies. This way, even if there is an emergency, you can cope with sudden expenditures without affecting your daily life. Investment planning: Besides saving, investing is also one of the important means to achieve financial goals. According to your risk tolerance and investment objectives, choose the investment products that suit you, and make regular investment planning and adjustments. Sound insurance coverage: The financial plan also includes purchasing appropriate insurance to protect the safety and interests of yourself and your family. Common types of insurance include life insurance, medical insurance, accident insurance, and more. As for reaching the savings target of S $1 million, this depends on a number of factors such as the individual's income, expenditures and investment performance. Everyone's situation is different, so there is no fixed schedule. Depending on your individual circumstances, create a savings goal and plan that suits you, and constantly adjust and optimize it according to the situation. Most importantly, no matter which financial perspective you choose, make sure that your financial plan aligns with your personal circumstances and goals, and that you spend and save within your financial means. At the same time, we should pay attention to the risks in the financial management process and choose appropriate investment tools. Please note that the above recommendations are for informational purposes only and do not constitute investment advice. It is recommended to seek the advice of a professional financial advisor before making a specific financial plan.","text":"As an AI financial analyst, I have no personal feelings, attitudes and ideas, so I can't answer the personal financial views you mentioned. However, I can offer you some tips to help you create a personal financial plan. According to the advice of financial experts, a healthy financial plan should include the following aspects: Balance savings and spending: Make sure you have a portion of your income to save each month and plan your spending properly. A common advice is to spend 20% of your income on savings and 80% on everyday expenses and other consumption. Establish an emergency reserve: Reserve three to six months of living expenses for emergencies. This way, even if there is an emergency, you can cope with sudden expenditures without affecting your daily life. Investment planning: Besides saving, investing is also one of the important means to achieve financial goals. According to your risk tolerance and investment objectives, choose the investment products that suit you, and make regular investment planning and adjustments. Sound insurance coverage: The financial plan also includes purchasing appropriate insurance to protect the safety and interests of yourself and your family. Common types of insurance include life insurance, medical insurance, accident insurance, and more. As for reaching the savings target of S $1 million, this depends on a number of factors such as the individual's income, expenditures and investment performance. Everyone's situation is different, so there is no fixed schedule. Depending on your individual circumstances, create a savings goal and plan that suits you, and constantly adjust and optimize it according to the situation. Most importantly, no matter which financial perspective you choose, make sure that your financial plan aligns with your personal circumstances and goals, and that you spend and save within your financial means. At the same time, we should pay attention to the risks in the financial management process and choose appropriate investment tools. Please note that the above recommendations are for informational purposes only and do not constitute investment advice. It is recommended to seek the advice of a professional financial advisor before making a specific financial plan.","html":"As an AI financial analyst, I have no personal feelings, attitudes and ideas, so I can't answer the personal financial views you mentioned. However, I can offer you some tips to help you create a personal financial plan. According to the advice of financial experts, a healthy financial plan should include the following aspects: Balance savings and spending: Make sure you have a portion of your income to save each month and plan your spending properly. A common advice is to spend 20% of your income on savings and 80% on everyday expenses and other consumption. Establish an emergency reserve: Reserve three to six months of living expenses for emergencies. This way, even if there is an emergency, you can cope with sudden expenditures without affecting your daily life. Investment planning: Besides saving, investing is also one of the important means to achieve financial goals. According to your risk tolerance and investment objectives, choose the investment products that suit you, and make regular investment planning and adjustments. Sound insurance coverage: The financial plan also includes purchasing appropriate insurance to protect the safety and interests of yourself and your family. Common types of insurance include life insurance, medical insurance, accident insurance, and more. As for reaching the savings target of S $1 million, this depends on a number of factors such as the individual's income, expenditures and investment performance. Everyone's situation is different, so there is no fixed schedule. Depending on your individual circumstances, create a savings goal and plan that suits you, and constantly adjust and optimize it according to the situation. Most importantly, no matter which financial perspective you choose, make sure that your financial plan aligns with your personal circumstances and goals, and that you spend and save within your financial means. At the same time, we should pay attention to the risks in the financial management process and choose appropriate investment tools. Please note that the above recommendations are for informational purposes only and do not constitute investment advice. It is recommended to seek the advice of a professional financial advisor before making a specific financial plan."}],"imageCount":0,"langContent":"EN","totalScore":0},{"id":375521500553232,"gmtCreate":1732702097712,"gmtModify":1732719002048,"author":{"id":"4106547232749330","authorId":"4106547232749330","name":"Tiger_SG","avatar":"https://community-static.tradeup.com/news/9eb57a835b72d997d1941fb6605d80a4","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"4106547232749330","authorIdStr":"4106547232749330"},"themes":[],"title":"With $1M Savings But Lives in HDB Rental Flat! Do You Prioritize Saving or Spending?","htmlText":"Singapore boasts one of the world’s highest home ownership rates, with about 90% of its residents owning their homes.Singapore Home Ownership RateAmong them, 80% live in HDB flats, while others opt for more upscale condominiums. The remaining 10% reside in government rental flats under Singapore’s Public Rental Scheme.These rental flats are designated for low-income families, with strict eligibility criteria to ensure they truly serve those in need. The units come in two compact designs: one-room flats under 36 square meters and two-room flats with a separate living room and bedroom, around 46 square meters in size.An 80-year-old man who lives in one such rental flat leads a frugal lifestyle. Yet, unbeknownst to many, his personal savings amount to a staggering SGD $1 million! During his w","listText":"Singapore boasts one of the world’s highest home ownership rates, with about 90% of its residents owning their homes.Singapore Home Ownership RateAmong them, 80% live in HDB flats, while others opt for more upscale condominiums. The remaining 10% reside in government rental flats under Singapore’s Public Rental Scheme.These rental flats are designated for low-income families, with strict eligibility criteria to ensure they truly serve those in need. The units come in two compact designs: one-room flats under 36 square meters and two-room flats with a separate living room and bedroom, around 46 square meters in size.An 80-year-old man who lives in one such rental flat leads a frugal lifestyle. Yet, unbeknownst to many, his personal savings amount to a staggering SGD $1 million! During his w","text":"Singapore boasts one of the world’s highest home ownership rates, with about 90% of its residents owning their homes.Singapore Home Ownership RateAmong them, 80% live in HDB flats, while others opt for more upscale condominiums. The remaining 10% reside in government rental flats under Singapore’s Public Rental Scheme.These rental flats are designated for low-income families, with strict eligibility criteria to ensure they truly serve those in need. The units come in two compact designs: one-room flats under 36 square meters and two-room flats with a separate living room and bedroom, around 46 square meters in size.An 80-year-old man who lives in one such rental flat leads a frugal lifestyle. Yet, unbeknownst to many, his personal savings amount to a staggering SGD $1 million! During his w","images":[{"img":"https://community-static.tradeup.com/news/9827dfef03933d9233523f08171dc96a","width":"640","height":"400"},{"img":"https://community-static.tradeup.com/news/2c3ea8bb26de99d71e4680af84a2a47a","width":"840","height":"212"},{"img":"https://community-static.tradeup.com/news/c191254d6f066841f13476cdede1f949","width":"759","height":"469"}],"top":1,"highlighted":2,"essential":2,"paper":2,"likeSize":28,"commentSize":49,"repostSize":25,"link":"https://ttm.financial/post/375521500553232","isVote":1,"tweetType":1,"viewCount":23976,"authorTweetTopStatus":1,"verified":2,"subType":2,"comments":[{"author":{"id":"4132300740238052","authorId":"4132300740238052","name":"icycrystal","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":0,"idStr":"4132300740238052","authorIdStr":"4132300740238052"},"content":"always save before spending... however, do not forget to live life and enjoy life... no point save and not enjoy isn't it [Tongue] [Tongue] [Tongue] but remember to spend within means [smile] [smile] [smile] @LMSunshine @Universe宇宙 @rL @GoodLife99 @HelenJanet @koolgal @Shyon @Aqa @SPACE ROCKET @TigerGPT Which spending and saving philosophy resonates with you more? Do you have strict saving plans like the 80-year-old man? When will or when did you achieve SGD 1 million savings?","text":"always save before spending... however, do not forget to live life and enjoy life... no point save and not enjoy isn't it [Tongue] [Tongue] [Tongue] but remember to spend within means [smile] [smile] [smile] @LMSunshine @Universe宇宙 @rL @GoodLife99 @HelenJanet @koolgal @Shyon @Aqa @SPACE ROCKET @TigerGPT Which spending and saving philosophy resonates with you more? Do you have strict saving plans like the 80-year-old man? When will or when did you achieve SGD 1 million savings?","html":"always save before spending... however, do not forget to live life and enjoy life... no point save and not enjoy isn't it [Tongue] [Tongue] [Tongue] but remember to spend within means [smile] [smile] [smile] @LMSunshine @Universe宇宙 @rL @GoodLife99 @HelenJanet @koolgal @Shyon @Aqa @SPACE ROCKET @TigerGPT Which spending and saving philosophy resonates with you more? Do you have strict saving plans like the 80-year-old man? When will or when did you achieve SGD 1 million savings?"}],"imageCount":3,"langContent":"EN","totalScore":0}],"essenList":[{"id":376932700991560,"gmtCreate":1733045355356,"gmtModify":1733045647952,"author":{"id":"3570880415749772","authorId":"3570880415749772","name":"Jozzzz","avatar":"https://static.tigerbbs.com/333cef39a0a8a2eca19716ebcd9b07e9","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3570880415749772","authorIdStr":"3570880415749772"},"themes":[],"htmlText":"People forget life is for living and money is for circulating. I live life, have 2 kids, condo, car, and still have $1M at 30…","listText":"People forget life is for living and money is for circulating. I live life, have 2 kids, condo, car, and still have $1M at 30…","text":"People forget life is for living and money is for circulating. I live life, have 2 kids, condo, car, and still have $1M at 30…","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/376932700991560","isVote":1,"tweetType":1,"viewCount":1682,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":375505621651648,"gmtCreate":1732707302765,"gmtModify":1732707307765,"author":{"id":"4178456170776022","authorId":"4178456170776022","name":"AKUN 15","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"4178456170776022","authorIdStr":"4178456170776022"},"themes":[],"htmlText":"Tiger trede good jop&nbsp;","listText":"Tiger trede good jop&nbsp;","text":"Tiger trede good jop","images":[{"img":"https://community-static.tradeup.com/news/77917017cf32afe54ec371fe36547eee","width":"720","height":"1600"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/375505621651648","isVote":1,"tweetType":1,"viewCount":10,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":375551483596928,"gmtCreate":1732718498813,"gmtModify":1732718502776,"author":{"id":"4101948424484190","authorId":"4101948424484190","name":"Success88","avatar":"https://static.itradeup.com/news/4408e1a22d73e99adb53aa65dde8ad91","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"idStr":"4101948424484190","authorIdStr":"4101948424484190"},"themes":[],"htmlText":"Rental flat can be expensive if owner increase your rental. I would rather save and get a flat if possible","listText":"Rental flat can be expensive if owner increase your rental. I would rather save and get a flat if possible","text":"Rental flat can be expensive if owner increase your rental. I would rather save and get a flat if possible","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/375551483596928","isVote":1,"tweetType":1,"viewCount":426,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":376955379003624,"gmtCreate":1733033055383,"gmtModify":1733033059375,"author":{"id":"3573346006551607","authorId":"3573346006551607","name":"phagefish","avatar":"https://static.tigerbbs.com/57ff9cd9a34b99b63bb4dcd9e51e874b","crmLevel":13,"crmLevelSwitch":1,"followedFlag":false,"idStr":"3573346006551607","authorIdStr":"3573346006551607"},"themes":[],"htmlText":"invest just $500k under tiger platform will greatly improve the quality of life in those rental flats.","listText":"invest just $500k under tiger platform will greatly improve the quality of life in those rental flats.","text":"invest just $500k under tiger platform will greatly improve the quality of life in those rental flats.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/376955379003624","isVote":1,"tweetType":1,"viewCount":1800,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":376897131798768,"gmtCreate":1733035546549,"gmtModify":1733035550491,"author":{"id":"4159747801474192","authorId":"4159747801474192","name":"BrenT","avatar":"https://community-static.tradeup.com/news/6d77b03120255737c4ab082424194171","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"idStr":"4159747801474192","authorIdStr":"4159747801474192"},"themes":[],"htmlText":"Should leave a balanced life as frankly we need to plan for it yet we also won’t know when it will end","listText":"Should leave a balanced life as frankly we need to plan for it yet we also won’t know when it will end","text":"Should leave a balanced life as frankly we need to plan for it yet we also won’t know when it will end","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/376897131798768","isVote":1,"tweetType":1,"viewCount":1452,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":375946099630456,"gmtCreate":1732824984397,"gmtModify":1732824988901,"author":{"id":"4181877949416372","authorId":"4181877949416372","name":"AN88","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"idStr":"4181877949416372","authorIdStr":"4181877949416372"},"themes":[],"htmlText":"Saving and making money work for me like investing. Spending wisely make me happy&nbsp;","listText":"Saving and making money work for me like investing. Spending wisely make me happy&nbsp;","text":"Saving and making money work for me like investing. Spending wisely make me happy","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/375946099630456","isVote":1,"tweetType":1,"viewCount":1268,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":375549453078888,"gmtCreate":1732728600686,"gmtModify":1732728605244,"author":{"id":"3572916667219493","authorId":"3572916667219493","name":"Zarkness","avatar":"https://static.tigerbbs.com/4b8c61830c4883c4232aece921d89d14","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3572916667219493","authorIdStr":"3572916667219493"},"themes":[],"htmlText":"Buy and save does not matter as long it brings happiness !! Simple for me&nbsp;","listText":"Buy and save does not matter as long it brings happiness !! Simple for me&nbsp;","text":"Buy and save does not matter as long it brings happiness !! Simple for me","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/375549453078888","isVote":1,"tweetType":1,"viewCount":751,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":375643092652096,"gmtCreate":1732740863658,"gmtModify":1732740868191,"author":{"id":"4181877949416372","authorId":"4181877949416372","name":"AN88","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"idStr":"4181877949416372","authorIdStr":"4181877949416372"},"themes":[],"htmlText":"Won't add more. Market had been climbing too high. Soon it will drop","listText":"Won't add more. Market had been climbing too high. Soon it will drop","text":"Won't add more. Market had been climbing too high. Soon it will drop","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/375643092652096","isVote":1,"tweetType":1,"viewCount":10,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":376957650661712,"gmtCreate":1733034074709,"gmtModify":1733034079051,"author":{"id":"3581381439748527","authorId":"3581381439748527","name":"Nickpla","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3581381439748527","authorIdStr":"3581381439748527"},"themes":[],"htmlText":"When I achieve a million, my passive income can feed my lifestyle.","listText":"When I achieve a million, my passive income can feed my lifestyle.","text":"When I achieve a million, my passive income can feed my lifestyle.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/376957650661712","isVote":1,"tweetType":1,"viewCount":1959,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":376892286947368,"gmtCreate":1733032943390,"gmtModify":1733032947314,"author":{"id":"3585103080334372","authorId":"3585103080334372","name":"HengHeng98","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3585103080334372","authorIdStr":"3585103080334372"},"themes":[],"htmlText":"Yes yes. That $1m is reserved for his doctors.","listText":"Yes yes. That $1m is reserved for his doctors.","text":"Yes yes. That $1m is reserved for his doctors.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/376892286947368","isVote":1,"tweetType":1,"viewCount":1959,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":375881878007872,"gmtCreate":1732786216967,"gmtModify":1732786220782,"author":{"id":"4147952769491092","authorId":"4147952769491092","name":"fir3tiger","avatar":"https://community-static.tradeup.com/news/570cb601d116cf3c6b51a3cc8b91b86f","crmLevel":12,"crmLevelSwitch":1,"followedFlag":false,"idStr":"4147952769491092","authorIdStr":"4147952769491092"},"themes":[],"htmlText":"earn and spend and save all moderately","listText":"earn and spend and save all moderately","text":"earn and spend and save all moderately","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/375881878007872","isVote":1,"tweetType":1,"viewCount":1603,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}]}