Last Updated: 28 February 2021
Decided to create this page out of whim and make it a little interesting way to track my journey, and also as a source of motivation for myself to achieve my next “goals”, doing it the gamer-style!
Even when playing games, I loved the idea of “unlocking” or “collecting” those little achievement points. It just has the feel-good element in it.
I guess because it aligns with my motto of celebrating every small successes along the journey through conscious efforts, whilst looking forward to the next one!
There will be 3 sections in this page, where the achievements will be split into:
- Lifestyle (aka Misc.): All kind of weird achievements throughout my life’s journey – finance or not.
- Net Worth: Entirely based on my net worth – maybe except my primary residence
- Portfolio: The “Ringgit Freedom” portfolio which I’ve funded and managed myself (not including EPF-related investments) amongst my learning journey.
All kind of “unlocks” throughout my life’s journey, both good or bad.
Live dangerously without a budget for more than 12 months!
Moving in to my first family home, with my own sweet-master-room!
Live dangerously without emergency funds for more than 12 months!
Getting only one Angpao throughout Lunar New Year
I Need A Budget – for sure!
Sticking to my budget for a year straight!
Sticking to my budget for 2 years straight!
Sticking to my budget for 3 years straight!
My personal net worth formula will be EXCLUDING my primary residence that I’m staying in, in the essence that it generates all the expenses/liabilities with no ability to generate income – concept popularised from Rich Dad, Poor Dad by Robert Kiyosaki.
When it comes to tracking my investments (personal / EPF), with the market fluctuations everyday – it is almost impossible to track my net worth in an efficient manner.
Hence for my monthly monitoring I solely rely on my YNAB budget data which captures only the invested amount AND realised gain/loss. In short, my net worth ignores market fluctuation until I actually realised the gain/loss OR during my annual review exercise (where I review my financial health in a more comprehensive manner).
I know it may not be in line with accounting standards – but I’m just more comfortable with this net worth formula as it does not feel inflated and also less work for me to “update” my budget.
-RM???: Having more debts than my worth 🙁
RM0: Officially “ZERO” worth… probably one of the rare ZERO’s that we actually celebrate in life.
RM250K: I need a “X4” button to click and directly skip into the millionaire’s club 😂
RM1MIL: Officially “The Millionaire Next Door”. YASSSSS!!!!!!!!
RM2MIL+: Who said we was stopping at RM1mil !?!?
Tracking my portfolio investment journey since my first time exploring beyond Fixed Deposits.
Asset Under Management
My personal “Ringgit Freedom” portfolio which I fund and manages it myself (not including EPF-related investments) as I start my snowball journey.
RM1K: First step into the world of investments are scary indeed.
RM10K: Whew! My fragile heart survived the market.
RM100K: The next milestone seemed far-reached… but we shall not STOP!
RM500K: Halfway there towards the million portfolio!
RM1MIL: Who knew that we, too, can hit RM1mil !?!?
RM2MIL: Into the next million, and the next, and the next……
On areas that I have begun my exploration as a beginner! At least to “know” about the topic with enough basic understanding.
At one point I believed Fixed Deposits were the only place to ‘invest’ money
The corporate/government version of the fixed deposits!
My first baby-step into the world of bond & equities, beautifully wrapped in a basket.
That sweet, sweet tax rebates.
Hedging against risks, at a price.
Going beyond Malaysia onto the world of international investing,
At one point I was fearing it as “big risk, big rewards, kids stay out!” zone
Investing without me doing anything? Perfect for a lazy sloth like me!
We are all Ah-longs now! Legally.
My first baby-step into the world of equities, without the expensive basket.
Like the roller-coasters in theme park – getting nausea by just looking at it.
I will gradually update this page with more achievements as the idea bulb comes by! In a way – this helps me to stay focused on some of my big-picture visions whilst staying motivated to work towards the next immediate target.