Net Worth Update (February 2019) – S$168,190

February 2019 Net Worth

Written by Liz

Just your regular 27-year-old, queer, super-introverted, FIRE-chasing, frugal Singaporean, who lives a pretty good life while earning only a modest salary, but still plans to retire at age 40 with $1,000,000. Click here to read more

March 31, 2019

So, after years of being ashamed and hiding my net worth from everyone else (except my girlfriend), I’ve decided to take a baby step forward.

I’ve decided to share my net worth on this blog.

As of late, I’ve found it incredibly inspirational to follow the net worth journeys of other financial bloggers. It is my hope that others may find it motivating to follow mine as well.

The plan going forward is this – Every month, for better or for worse, I’ll share a net worth update.

I’m hoping that in months or years to come, I’ll look back at all my progress and it’ll put a smile on my face 🙂

Without further ado, let’s dig into my first-ever net worth update.

February 2019 edition.



Note that most values below have been listed in Singapore Dollars (SG$), since I’m from, well, Singapore. But in parentheses, I’ve done a simple conversion to United States Dollars as well, since that’s the currency most people are familiar with.

Let’s start off with an overview of my entire net worth.

Want to know the details of each segment? Read on to find out 🙂


Brokerage Account

Singapore Portfolio





United States Portfolio

I know, this looks incredibly pathetic. But I started investing aggressively only in 2018. In a few more years, I hope to grow the US portfolio to something a little bit more impressive.



Retirement Account

In Singapore, it’s mandatory to contribute 20% of all earned income (if you’re working for an employer) into your retirement account.


And that’s it!

I hope to improve on these net worth updates over the months, in content and in form. Hope you stick around for that 🙂

Thanks for reading!


Become a Millionaire and Retire Early on a Modest Salary Book Cover

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  1. Rob

    Keep up the good work Liz! I’m curious now about Singapore retirement accounts, especially since Singapore has different tax treatment for earnings than US. I bet a lot of US folks might be interested in moving to Singapore and would love to hear more about how they could do so and what options might be available for expats to work and save/invest in Singapore. (post idea hint hint lol!)

    • Liz @ Splurging on Freedom

      Thanks so much for your kind words, Rob! 🙂 And thank you for the post idea, that definitely sounds like something I should touch on in the future. To be honest, I’m not very familiar with my own Singapore retirement accounts, apart from the fact that I can’t touch any of the money for the next few decades. Writing that post would definitely be beneficial! Adding that to my to do list! 🙂