BTW how you guys track your financial reoirting? By jotting on excel file? Me poor man need advice from rich sifu here.

This thread has been especially interesting,... educational too.

For myself, I don't have much regrets except for one parental issue that is not comfy for me to talk abt here.

Worked hard when young, had fun but did not get into too much trouble nor caught serious sickness, made my money, bought the usual cars and properties in life, married 'a few times', setup own practice, made more money, mostly taxfree legally from overseas investments, looked after wives, brought-up children and are all professionals now overseas,...

Been to many places and am only keen on adventure travels now,... most notable recently was driving to The North Pole and brought the wife and kids along...... great memories there tho' it was freezing cold and we got caught in the snow at Dawson City.

I regret for not refinance my mortage with high interest much earlier. Paid buta-buta for 7 years baru refinance.

Kedekut didn't want to spend for vasectomy

At the end, pay more for children