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the life i am building,
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Tuesday, 14 April 2026
Good morning, Celine
My city · --:--
Overdue
—
Habits today
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Next pilates 🪷
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Budget
—
Read today 📚
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To-do

today + this week

Q2 2026 — April · May · June

Bar prep. Sleep. Movement. Quiet weeks, long study blocks. One steady step at a time.

Habits

♡ Anniversary

—
days together

Net worth

RM 38,328
▲ 4.2%

Pupillage

—
days to go · 7 Oct 2026

Workouts this month

0
April
Log your first session ♡
Kyoto willow pond

2026 Goals

Window vase
Yellow dress street

Workout sessions

April

Upcoming workouts

Currently reading

Financial Overview
RM —
— Pots + unrealised P/L · Live
LIVE · --:--
MARKET
KLCI 1,691 +0.30% — FBM KLCI nears 1,700
S&P 500 6,617 +0.08% — US markets close at record
Gold $4,799 +2.45% — Gold surges to new ATH
BTC $71,217 +3.27% — Bitcoin rallies past $71K
Maybank RM11.32 +0.9% — Blue chips lead gains
BNM holds OPR at 2.75%
KLCI 1,691 +0.30% — FBM KLCI nears 1,700
S&P 500 6,617 +0.08% — US markets close at record
Gold $4,799 +2.45% — Gold surges to new ATH
BTC $71,217 +3.27% — Bitcoin rallies past $71K
Maybank RM11.32 +0.9% — Blue chips lead gains
BNM holds OPR at 2.75%
Savings
RM 38,328
7 pots · 70.7% to 60K
Portfolio
—
— holdings
FIRE '44
0.78%
of RM 10M · age 40
Cash / Equity
— / —
savings vs stocks
Savings Rate
—
this month · target 60%
Net worth trajectory
500K 375K 250K 125K
2026
Net worth FIRE
2036
RM 200K
2029
RM 1M
2033
RM 5M
2040
FIRE age
40
Cashflow · Apr
—
IncomeBillsSpendSaved
IncomeRM 2,500
BillsRM 776
SpendRM 0
SavedRM 2,000
Financial health
2026 savings goal67%
Emergency fund13.7%
Car loan~53 mo
FIRE trajectoryAge 40
Savings rate80%
Dividend summary
0 records
Total received
RM 0
Last 12 months
RM 0
Add dividend records in Abundance to see your payout rhythm here.
FIRE progress
0.78% of RM 10M
Age 40
Year 2044

Assets

Debts

Monthly Tracker

Income · bills · expenses · savings

Bank Accounts

Auto-calculated from pots + monthly tracker
Read only

Total Savings

RM 0
pots · transferred this month

Income

RM 0

Bills

RM 0

Expenses

RM 0

Savings

RM 0

Net remaining

RM 0

Savings — transfers

Cumulative total across months
DestinationThis month (RM)Cumulative
total RM 0 RM 0

Subscriptions

Insurance Policies

Credit Cards

Track spend, benefits, and outstanding balance

Abundance

Savings · Stocks · Dividends
FIRE & Goals
Financial independence by 40
Progress
0.78%
FIRE Target
RM 10M
Net worth now
RM 38,328
Years left
18
Monthly needed
RM 5,200
Key Assumptions
Annual spend (FIRE)RM 120K
Safe withdrawal rate4%
FIRE number (25× spend)RM 3M
Expected return7%/yr
Save rate (current)69%
Milestones
RM 100K net worth2027
RM 200K saved2028
First investment property2030
RM 1M net worth2033
FIRE (RM 3M)2040
Stretch (RM 10M)2044
Focus this quarter
Hit RM 85K net worth by end of Q2. Stretch: front-load RM 2K into Emergency Fund before bar exam month.
Run rate · current pace
Age 43
At RM 1,724/mo save + 7%/yr, you hit RM 3M by 2047. Bump savings to RM 5,200/mo to hit 40.
Coast FIRE number
RM 229K
Save this much by 30 and you can stop contributing — compounding alone gets you to RM 3M by 60. RM 150K to go.
Portfolio breakdown
RM 38,328 · 7 pots
Bonds
44%
RM 18,606
Stocks
20%
RM 8,500
Gold
20%
RM 8,531
Cash
16%
RM 6,796
Total Allocation
RM 0
Avg monthly save
RM 0
Largest pot
—
No. of pots
0
Goal progress
0%
✦
AI Priorities · Age 22 · Pupillage → Junior Lawyer
1 Emergency fund → 6 months expenses
Pupillage pay is low and unpredictable. Before optimising returns, lock in RM 15K (6 mo × RM 2.5K) in your Emergency Fund. You're at RM 3.3K — RM 11.7K gap. This is survival money, not investment.
2 Max out EPF voluntary contribution
Once you're a junior lawyer with stable income, contribute RM 250/mo extra to EPF i-Saraan. At 22, the tax relief + compounding over 38 years is the single highest-ROI move you can make. Free money from gov matching.
3 Shift gold overweight → index funds
Gold at 20% is defensive — great for 50-year-olds, but at 22 with a 38-year horizon, you want growth. Trim gold to 10% and redirect RM 4K into VOO/QQQ. Your age is your edge — use it.
4 Build a "Career Capital" fund
Junior lawyers earn RM 2.5–4K starting but jump to RM 8–15K by year 3–5. Set aside RM 200/mo for CLP prep, bar memberships, and networking. Income growth > savings rate at this stage — invest in yourself.
5 FIRE timeline: ramp savings with income
Your current 69% save rate is excellent but unsustainable on pupillage pay. Plan to save 50% of net income once you're earning RM 5K+. If you invest RM 2.5K/mo at 8% from age 24, you hit Coast FIRE (RM 229K) by age 30 and full FIRE by 42. Start strong, compound forever.

All Savings Pots

Goal Buckets

Saving with purpose · each pot linked to a real goal
Total buckets
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Total saved
—
Total target
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On track
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Wishlist
Items you're saving towards · linked to goal buckets

Bill & Renewal Calendar

30-day cashflow · insurance · subscriptions · upcoming dues
Expected income
RM 2,500
this month
Bills due
—
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Planned savings
RM 2,000
target transfer
Subs renewing soon
Next 30 days · payment timeline
Due this month
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Due next 30 days
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Next up
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All upcoming bills
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