If you’re new to the My 15HWW site, this page is a good reference to start from the very beginning of my blogging journey (still pretty short thus far) or to read specific articles that are of interest to you.
Posts are listed with the newest at the top, and you go back in time as you scroll down. Enjoy!
April 2023
Some Quick Thoughts On The Dividend Income Retirement Model
Understanding The Value Of A Blog A Little Bit Better
March 2023
Silicon Valley Bank Collapse: Implications And Steps I Am Taking In Singapore
February 2023
Buying A Modest Home Has Been Poor Wealth Building Advice For The Past 10 Years
Some Quick Thoughts On Deploying CPF OA Funds For Higher Yields
Respawn Point 0: Calculating Our No-Frills Expenses And How To Fund It
January 2023
Navigating The Next Crypto Scam Cycle In 2023
The 15HWW Permanent Portfolio Update: January 2023
My CPF Interest Is Only $3534 And I Am Ok About It
Review Of 2022 and Hopes For 2023
December 2022
With T-Bills Yielding Above 4%, Why Are People Still Topping Up Their CPF Accounts
Save More And Earn More With POSB To Fight Inflation
Virgin Driving Experience To Malaysia And More To Come!
3 Defensive ETFs That Mrs 15HWW Is Considering
Get 5% Interest On $100,000 With The UOB One Account
November 2022
Do We Need FIRE Or Do We Just Need A Break And Career Change?
How We Choose Which SSBs To Redeem
A Household With $350K Annual Income Can Still Be Struggling?
The 15HWW SRS Portfolio Update: November 2022
5 Currencies That Appreciated Against The SGD In 2022
FTX: The Straw That Broke The Camel’s Back
6 Reasons Why I Am Considering Fullerton SGD Cash Fund
6 Lessons I Learnt After 15 Years Of Reading Investment Moats
3 Steps To Enjoying 10% Cashback With Trust Credit Card
October 2022
Latest T-Bill Yields 4.19% – Buy Or Wait?
A Candid Review: Is Moomoo SG Trying Too Hard?
The 15HWW Permanent Portfolio Update: October 2022
7 Things You Need To Know Before Investing Your CPF Savings In T-Bills Or SGS Bonds
Are We Approaching The Light At The End Of The Tunnel For The HK and Crypto Market
I Was Wrong About The SG Property Market
September 2022
Subscribing For This Month’s Singapore Savings Bond (SSB)
$42 Freebies And Attractive Cashback From Trust Bank
July 2022
June 2022
Down Bad…… And Feeling Poor Again
Update On Hodlnaut: Probably Not Worth It Anymore
May 2022
April 2022
February 2022
Celebrating Others’ Success: Turtle Investor
Getting Rekt From Crypto But In It For The Change
January 2022
Portfolio Update: January 2022
December 2021
Some Thoughts On The Latest Property Cooling Measures
November 2021
How Crypto Has Changed My Everyday Habits
Headline Inflation Numbers And My Personal Inflation Rate
A Comprehensive Crypto Beginner Guide To …… The 2020 Version Of Mr 15HWW
Oh No, The Washing Machine Is Spoilt!
Portfolio Update: October 2021
October 2021
3 Basic Crypto Strategies If You Are FOMO Now
How Mrs 15HWW Bought Futu Shares Via moomoo
September 2021
Dissecting The Middle Class Lifestyle
7 Crypto Tips For Beginners Like Me
moomoo Powered By FUTU Is Back With Free Apple Share And 15HWW’s moomoo Portfolio Update
August 2021
How I Would Invest $100k In My Twenties In 2021
Why I Bought iShares Hang Seng Tech ETF
Quick Hodlnaut Update: Earn Up To 14% Interest With Stablecoins
July 2021
July 2021 Portfolio Update: Bad Vibes
5 Revelations After 2 Years Of Car Ownership
June 2021
Comparing CPF, Stocks and Crypto Returns
Choosing OCBC GreatHome To Protect Our Home
A Response To “Do Younger Singaporeans Have Lower Confidence In CPF?”
Hodnaut Review: How To Earn 11.5% Returns With Stablecoins
Grow Your Income With A Side Hustle
May 2021
Efficient Credit Card Strategy With UOB One and UOB Absolute Cashback
April 2021
Birthday Post: 35 Things I Am Grateful For
An Unhappy Experience With Tiger Brokers
Investment Portfolio Update: April 2021
The Six Steps Of The Wealth Ladder
Addicted To Finance And Investments
March 2021
One Year On: Assessing The 14 Trades Made During The Market Bottom
4 Investing Strategies For Beginners in 2021
Why I Will Not Buy A Chanel Bag For The Mrs
9 Reasons To Sign Up For A Moomoo (by Futu) Trading Platform
Meet Azrael: The Blogger Who Saved $500,000 At Age 32
Why Saving $100,000 Before 30 Matters
February 2021
Reflections on A-Level Results 2021
3 Quick Wins For Financially Non-Savvy Folks
Funded SRS With $1,000 To Open Endowus Account
Gamechangers In The Singapore Finance Universe
January 2021
Singlife Account: The Quickie That Left A Bad Taste In The Mouth
Investment Portfolio Update: January 2021
Would Investing In Tesla Have Changed Your Life?
Should You Concentrate Or Diversify Your Investments?
December 2020
2020 Review: The Good, The Bad And The Ugly
March 2020
Reflections And Lessons From This Bear Market
October 2019
My New iPhone 11 & Some Implications On Business And Geopolitics
Hello World…… And Some Brief Updates
January 2019
October 2018
Financial Decisions For First-Time Parents
Observations From My MIL’s Recent Hospitalisation
September 2018
The Monk, The Warrior And The Farmers
Portfolio Update: September 2018
On Income, Expenses And Quality Of LIfe
August 2018
Housing Repercussions From National Day Rally 2018
Why I Will Support The Raising Of Retirement Age In Singapore
Ask Me Anything Session on 28 Aug
4 Insights For Potential Car Buyers In Singapore
July 2018
The “How Much Does A Car Cost Guide” For…… Ourselves
Coping Mechanisms In This Falling Stock Market
5 Years On… Is The 15HWW Still Relevant?
June 2018
Four Integrated Services By NTUC To Reduce Cost Of Living
The Art Of The Good Life #7: The Ovarian Lottery
5 Reasons Why You Should Get A Seat For Investors Exchange Today!
May 2018
The Art Of The Good Life #6: The Negative Art Of The Good Life
The Art Of The Good Life #5: Counterproductivity
April 2018
The Art Of The Good Life #4: Black Box Thinking
The Art Of The Good Life #3: The Pledge
The Art Of The Good Life #2: The Fine Art Of Correction
The Art Of The Good Life #1: Mental Accounting
The Art Of The Good Life: Overview
March 2018
2017 Expenses: Summary And Reflections
Thoughts On The Elimination Of Full Riders For Health Insurance
Expenses Update: February 2018
February 2018
Portfolio Update: February 2018
January 2018
Profit From Macroeconomic Trends
Portfolio Update: January 2018
Learning Through e2i’s ULeap App
Why I Have Never Topped Up My CPF (Yet)
How I could Benefit From The Booming Electronics Sector
Overcoming Some Of The Downsides Of Freelancing
Expenses Update: December 2017
December 2017
Thoughts On Cryptocurrency And Freeganism
A Review Of My Choices In 2017
Portfolio Update: December 2017
Expenses Update: November 2017
Why I Spent Some Time Researching On Nursing Homes
November 2017
Is $1 Million Enough For A Retirement In Singapore in 2017?
Portfolio Update: November 2017
Our Recent Vacation: The Hedonic Treadmill In Full Gear?
Net Worth Update: 2017 Edition
The New DBS Multiplier Account: The Best Savings Account For Frugal Millennials
October 2017
What If I Had Invested In Berkshire B For The Past 7 Years?
What If I Had Invested In The STI ETF For The Past 7 Years?
My Results After 7 Years In The Market
Portfolio Update: October 2017
3 New Local Early Retirement Blogs I Am Following
Expenses Update: September 2017
September 2017
Useful Thought Experiment: Spending $15,000 In A Month
Portfolio Update: September 2017
A Thoughtful Teachers’ Day Gift
August 2017
Reflections On Optimisation And Benchmarking
Why I Would Refinance From HDB Concessionary Loan To POSB Home Loan
July 2017
Debunking 7 Myths Of Bank Home Loans
Ditching OCBC 360… And Moving On To UOB One?
June 2017
Most Achievements Are Simple, But Not Easy
Investors Exchange 2017 (29 July)
The Plight Of Low Income Singles Without A Home
May 2017
The Big Three: Food, Housing And Transport Costs
Portfolio Goals For The Next Decade
April 2017
Freeing Up More Time And A Slower Accumulation Rate
Useful Thought Experiment: What If You Were To Die Exactly 10 Years Later?
Can You Afford To Pay For Private Hospitalisation Plans In Your Old Age?
March 2017
15HWW Origins: Illness And The Passing Of My Mum
Expenses Update: February 2017
Thoughts On The Blueprint For Singapore’s Future
Why I Am Staying With OCBC 360… For Now
February 2017
Pursuing Financial Independence Is A Privilege
Portfolio Update: February 2017
Get Rich With… The Escape Artist
January 2017
15HWW Annual Investment Performance Update: 2016
Portfolio Update: January 2017
The 15HWW Permanent Portfolio Is Live!
Hedging With 3 Different Investing Strategies
By The Time You “Realise” You Can Or Cannot Beat The Market, It’s Too Late?
Expenses Update: December 2016
My First Talk On 12 Jan 2017: Do Show Your Support!
Our First Budget In Years: $42,000 in 2017
December 2016
A Review Of My Choices In 2016
Christmas Gifts And Exchanges: A Love-Hate Relationship
A Meet-Up With EarlyRetirementSG
15HWW Origins: The Inability To Conform In School
Merry Christmas And A New Approach On This Blog In 2017
Portfolio Update: December 2016
Reviewing Workers’ Party Retrenchment Insurance Proposal
Expenses Update: November 2016
November 2016
Do I Have Enough Work For 2017? Fret Or Fret Not?
Portfolio Update: November 2016
October 2016
My Mistake On POSB Cashback Bonus
POSB Cashback Bonus: Not Falling For It
Portfolio Update: October 2016
Expenses Update: September 2016
September 2016
Portfolio Update: September 2016
Job Analysis in Singapore: Security Officer
August 2016
All The Basics About Gold And Silver
Why I Am Only Purchasing Term For Our Insurance Needs
How To Take A Career Break Without Worrying About Money
Is Buying A More Expensive Home Always A Bad Financial Decision?
Affordable Hawker Fare At Bukit Panjang!
July 2016
Getting Rich: From Zero To Hero In One Blog Post
June 2016
The Rationale Behind Mrs 15HWW’s New Career Path
Know The Difference Between Financial Survival, Financial Security & Financial Independence
7 Money Lessons From Tony Robbins
May 2016
Make Financial Security Your First Long-Term Financial Goal
What’s Best For Me? Employee, Self-Employed, Entrepreneur or Retirement
Is Crowdfunding Worth A Closer Look?
April 2016
4 Simple Steps To Financial Freedom Before 45
March 2016
Why Singaporeans Need To Be Given First Consideration For Jobs
Expenses Update: February 2016
February 2016
Insights From Mr Money Mustache
I Don’t Hate Working; I Just Hate The Office!
Portfolio Update: January 2016
The Mindset Change Needed To Beat Poverty
15HWW New Investment Strategy: Part II – My First 3 Guiding Principles
15HWW New Investment Strategy: Part I – Why I Am Not Picking Individual Stocks Anymore
Expenditure Update: January 2016
January 2016
Investors Make The Best LOSERS!
Health Or Wealth? How About Both?
15HWW Annual Investment Performance Update: 2015
Everything You Need To Know About The (Lack Of) Poverty Line!
Passive Income Update: December 2015
Expenses Update: December 2015
December 2015
A Review Of My Choices In 2015
Saving Money With The Big Value Bag!
Passive Income Update: November 2015
Am I Blogging For the Right Reasons?
Should I Become An Uber Driver Or A Taxi Driver?
Expenditure Update: November 2015
November 2015
3 Hacks You Need To Know To Own A Brand New BTO
Passive Income Update: October 2015
How We Saved $250,000 At Age 28
October 2015
Reflections: 9 Completed Trades, $35,000 Profits
5 Observations I Made From PM Lee’s Speech On Tripartism At NDC
How I Buy Physical Gold In Singapore
Passive Income Update: September 2015
Why I Haven’t Bought Books Or DVDs In A Year
Expenditure Update: September 2015
September 2015
Some Thoughts On The First Issue Of SSB
Luxury Items: It’s Not Just About The Sticker Price
Passive Income Update: August 2015
3 Investing Lessons I Learnt From The Recent Haze
Why I Am Relieved At The Landslide Victory For PAP
Why CPF Should Not Be Returned At Age 55?
Weekend Reading: 29 August – 4 September 2015
Singapore Savings Bonds: Get Ready To Pump Your Emergency Funds!
August 2015
Experiment: Wasting $1,000 in Singapore Instead Of Travelling
Weekend Reading: 22 – 28 August 2015
3 Reasons Why I Do Not Want The Stock Market To Crash
What’s Our Real Cashback % From The OCBC 365 Credit Card
Weekend Reading: 15-21 August 2015
Getting To Know Chan Chun Sing
Passive Income Update: July 2015
Weekend Reading: 8-14 August 2015
The 15HWW Definition of “Work”
Lee Kuan Yew & Warren Buffett: 5 Glaring Similarities Behind Their Success
A Controversial Take On Income From Blogging
July 2015
Happy 2nd Anniversary to My15HWW!
How Financial Assistance Might Be The Most Important Investment In My Life
Passive Income Update: June 2015
Hindsight Insights Into the STI
June 2015
Comprehending The Ambition Monster
Rising Interest Rates…Any Regrets?
May 2015
Yearly Investment Performance Update: 2014
Passive Income Update: April 15
OCBC 360 Account: A Heavy-Hearted Update
April 2015
Passive Income Update: March 15
Thanks For The Easy $200, SAF!
March 2015
Singapore Savings Bonds: A.K.A LKY Bonds
My Life Under Lee Kuan Yew’s Singapore
Where Did $59,000 Go To In 2014?
Should You Build A Singapore Permanent Portfolio?
Passive Income Update: February 15
Expenditure Update: February 15
February 2015
Passive Income Update: January 14
Expenditure Update: January 14
January 2015
Passive Income Update: December 14
Stocks VS Properties: Painting An Equivalent Scenario
Expenditure Update: December 14
December 2014
Passive Income Update: November 14
Why It’s Possible For Me To Take A 6-Month Sabbatical
Presenting The Case For Buying “A Little” Bullion
Expenditure Update: November 14
November 2014
Passive Income Update: October 14
Weekend Reading For Novice Investors
Expenditure Update: October 14
October 2014
Asset Enhancement & Its Negative Consequences
Exit From Phillip Capital ShareBuilder Plan
Passive Income Update: September 14
Block Your Calendar On 17 Jan 2015 (Sat)!
Asset Allocation And My Strategy
It’s Never Too Early To Start Investing
What Do Young Singaporeans Want For Our Future?
Expenditure Update: September 14
September 2014
Reflections After 3 Months Of Semi-Retirement: Part 2 – The Bad
Passive Income Update: August 14
Reflections After 3 Months Of Semi-Retirement: Part 1 – The Good
Why I Am In Favour Of A Minimum Wage For Cleaners
August 2014
What’s Going To Happen In The Next 100 Years?!
The Lease Buyback Scheme: Worthwhile Or Not?
Our Net Worth: $0 or $500,000?
The National Day Rally And Our Retirement Adequacy
Passive Income Update: July 14
July 2014
5 Reasons Why It Might Be Easier To Retire Early In Singapore
MediShield Life And Its Likely Impact On Us – Part 1
Passive Income Update: June 14
Lessons From Madam Goh Kah Keow
June 2014
Mrs 15HWW’s Take On Early Semi-Retirement
Value Investing Mastery Course With BigFatPurse
Tribute To Local Personal Finance Bloggers
OCBC 365 Credit Card: Annihilating The Competition?
May 2014
Lessons From My Brushes With Authority
Passive Income Update: April 14
April 2014
Money Mistake@19: AIA Achiever Plan
Passive Income Update: March 14
Why It’s So Hard To Quit A Job
OCBC 360 Account: An Amazing Product?!
March 2014
Curbing The Urge To Compare & Compete
Passive Income Update: February 14
Expenditure Update: February 14
February 2014
Passive Income Update: January 14
My Generation’s Aspirations And Concerns
Expenditure Update: January 14
January 2014
Why I Prefer Not To Feast During This Chinese New Year
My Investment (Out)Performance: 2010 to 2013
Growing “My” Tree Of Prosperity
Passive Income Update: December 13
STI ETF: What Exactly Am I Buying?
“Finances, My Wife and I” – Earlyretirementsg
Introducing… Earlyretirementsg!
Understanding Your Electricity Bills
Expenditure Update: December 13
December 2013
What Should Be The Appropriate Returns For My Siblings?
Don’t Let Frugality Descend Into Cheapness!!!
Passive Income Update: November 13
Frugality: It’s Not Just About Saving Money!
Why Most Singaporeans Don’t Hold Government Bonds
More Government Help For Elderly Landed Property Owners?
Expenditure Update: November 13
November 2013
What Does It Take To Be A Millionaire Next Door?
Get Rich With…Geographical Arbitrage in Johor Bahru
Observations of Year End Bonus For Civil Servants
International Blogs I HIGHLY Recommend
Why I Am Not Too Keen On The Supplementary Retirement Scheme
Passive Income Update: October 13
Why Early Retirement Is Not Possible For Most
Why I Don’t Really Enjoy Typical Vacations
Expenditure Update: October 13
October 2013
Stoicism And Its Positive Influence On My Life
Is There An Optimal Amount Of Emergency Funds To Keep?
Clarifications On My (Or Lack Of) Emergency Fund Situation
Know Your History To Predict Better
Why We Don’t Keep A Separate Emergency Fund
Passive Income Update: September 13
Book Review: The Secret Of Shelter Island
Aviva’s Term Insurance Promotion
How We Keep Our Insurance Expenses Low
Understanding The Basics Of Insurance
Expenditure Update: September 13
September 2013
What If I Need The Money 3 Years Later?!
Counter-productive For Performing Students To Have Tuition?
Financial Behaviour That Just Doesn’t Make Sense
3 Reasons Not To Pay Off Your Mortgage Early
Mr Fredricksen Should Have Saved More For His Trip!
Aladdin’s Choice: Superior Saving Rate Or Superior Investment Return
Passive Income Update: August 13
August 2013
Take Advantage Of The Volatile Market Through Dollar Cost Averaging
POSB: Our Friendly Banker Next Door
National Day Rally: Medishield Life & PSLE Changes
You Won’t Want To Be Mr Average!
Holding Cash: Key To Sleeping Well At Night
Boglehead Or Buffettology? Do Both!
Reduce The Cost Of Owning A Phone
What’s Wrong With My 40 Hour Work Week
Why You Should Always Buy A BTO Flat – Part 2
July 2013
Why You Should Always Buy A BTO Flat – Part 1
Hi MR15HWW,
I am new here, just read about it and the fact you got a few ten thousand in your early twenties is amazing. I am just wondering where and how can I start? Whats your degree discipline? Curious