One of the many reasons that I started late on the financial journey was because when I was a late teen, my parents got divorced with neither job nor money! Not only that, my younger sister had an unplanned pregnancy, while the youngest sister (I’m the oldest sister) was just starting primary school! So all my part-time salary went to feeding the a family of 5! It was a very stressful time for me and I still carry that emotional baggage up to this day. Anyway, here is the breakdown of my current financial obligations:

Current: 34% of take home salary
Goal: 30% of take home salary

The chart excludes my monthly investments for DCA, and also that majority of my CPF goes into paying the housing loan that I have with my mom.

Updated as of 9 May 2020.