Not that I don’t save at all. In fact, I think I am in a good position when it comes to the amount of money I set aside just for saving every month. After working for 4.5 years, I have amassed a decent amount of savings. But now, even then, I am feeling a tinge of regret. Lately I have been thinking about homes and the value of homes and kinds of homes I can afford given my salary I take home every month and the amount of money I would have saved 4 years down the road. I can’t help but think that it remains insufficient to get the dream home that I want. And I am not asking for much. Just a decent sized home for a single like me in a decent place, close to an MRT station. I can definitely afford a 3-room HDB but am I willing to pay that much on an apart with a short lease?

I should have saved more. I have to save more. Buying a home is a huge huge investment. I need to make this right. And for me to make the right decisions, I need to have lots of options. And for me to have lots of options I need to have enough money to be able to afford the homes that I really want.