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Category: Philosophy

A Tribute To AK
Philosophy

A Tribute To AK

Posted on March 5, 2026 by My 15 HWW

If you have been like me lurking around financial blogs for the past two decades, you would at the very least have stumbled across some…

Resisting The Siren Call Of CPF Top Ups
Assets

Resisting The Siren Call Of CPF Top Ups

Posted on January 6, 2026 by My 15 HWW

I do not know about you but there is a surprising lack of CPF posts during this transition from Year 2025 to Year 2026. Or…

The 15HWW Permanent Portfolio Update: October 2025
Assets

The 15HWW Permanent Portfolio Update: October 2025

Posted on October 28, 2025 by My 15 HWW

Genesis The 15HWW Permanent Portfolio was built during late 2016 with a capital of around $140,000 and I started tracking it from Jan 2017. The aim…

Why The 4% Withdrawal Rate Can Be Both Conservative And Risky
Assets

Why The 4% Withdrawal Rate Can Be Both Conservative And Risky

Posted on September 24, 2025 by My 15 HWW

I recently borrowed Bill Bengen’s new book A Richer Retirement: Supercharging the 4% Rule to Spend More and Enjoy More to better understand the nuances…

Some Thoughts On The $900k 3-Room Resale Flat In Biddadari
Assets

Some Thoughts On The $900k 3-Room Resale Flat In Biddadari

Posted on January 7, 2025 by My 15 HWW

In case you are wondering, nope, I am not the buyer. I still stay in ulu Punggol. 15 years ago when I graduated, if I…

Review of 2024 and Hopes For 2025
Goals and Plans

Review of 2024 and Hopes For 2025

Posted on January 1, 2025 by My 15 HWW

There were no updates a year ago in 2023 as I was probably in a funk, worrying about my child and his developmental delays. That…

Bigger Portfolio, Higher Returns?
Assets

Bigger Portfolio, Higher Returns?

Posted on December 21, 2024 by My 15 HWW

2024 is the return of the bull. The S&P 500 is up about 30% this year and even our local STI Index is up 25%…

LeanFIRE For A Family Of 3 In Year 2025
Expenses

LeanFIRE For A Family Of 3 In Year 2025

Posted on December 18, 2024October 8, 2025 by My 15 HWW

Did an earlier post on fatFIRE that was decently fast and fun. However, the below is probably closer to the reality for most early retirees…

FatFIRE For A Family Of 3 In Year 2025
Expenses

FatFIRE For A Family Of 3 In Year 2025

Posted on December 16, 2024December 16, 2024 by My 15 HWW

Had a interesting conversation with some friends over the rising cost of living so here is my attempt at tracking the monthly expenses of FatFIRE…

Susie Buffett’s $10 Million Gift To Each Child
Assets

Susie Buffett’s $10 Million Gift To Each Child

Posted on December 11, 2024 by My 15 HWW

A couple of weeks ago, Warren Buffett published a letter outlining his plans to give his billions away. It included information that his wife, Susie…

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