Dear friends, Please forgive me if I start seeing less of you for the next few months or years. Perhaps I'll be too busy at work, but I suspect the real reason is because I can't afford to eat at a fancy restaurant with you anymore. Or let me put it this way, we can still meet for hawker food, or dinner at coffee shop, but much less often from now on. Let me share with you my story, and you'll know why. I am a typical Singaporean living in the rat race, and I choose not to stay like this forever. In the rat race means, despite working my ass off, money is still never enough. Some might say, "Hey, you have a good job leh, earning so much, where got not enough?" To begin, I don't really earn much, and a very large portion of it is for paying off my liabilities. Every month, it comes down to the minimum last $500 in the bank account. And sometimes, I have to squeeze over the last few dollars before that minimum. No house, no car, you may ask, "What kinda lia...