Hi ,

Came across this article recently and thought it was quite interesting:

https://www.straitstimes.com/opinion/the-asset-rich-cash-poor-have-a-housing-dilemma

It talks about how many people in Singapore end up being “asset-rich but cash-poor” especially when a lot of wealth is tied up in property.

What I found interesting is that even though there are ways to unlock that value (like downsizing or schemes), many still prefer not to.

That is because most want to preserve the home.

This made me pause a bit, because I realise this doesn’t just apply to property.

In different ways, it can show up in how people structure their savings and investments as well.

No need to read fully if you’re busy...

I just thought to share. 🙂

Out of curiosity, have you ever thought about your own setup more from a “how easily this translates into usable cash flow” perspective?

Best Regards,

Zest Chia