Breakdown of our investment portfolio from 2017 - 2021
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As a follow up on this post from 2018, it's time to revisit how our retirement savings strategy is going and review the breakdown of our investment portfolio. We're still in the accumulation phase and our savings/investments are pretty much on auto-pilot mode, with focus on maximizing all tax-advantaged accounts first. While we're nowhere near the withdrawal phase yet, it's important to do a periodic check to make sure our investment portfolio is 'well-balanced' for future withdrawals.

Original post: 5/20/2018
Updated: 12/20/2019

For someone who enjoys traveling, the lucrative credit card sign-up bonuses in the US are amazing, especially when all you get for opening a credit card in Malaysia is a luggage bag. I was hoping to start building our credit card portfolio as soon as I moved to the US, however, I realized very quickly (when my Chase Freedom application was declined) that I wasn't gonna get approved for any credit cards without credit history. 
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When I first relocated to the US with my job 3 years ago, I remember being provided with a 47-page new hire benefits book during the orientation, and was immediately overwhelmed by all the new information I had to digest within a short period of time. The benefits book included information about all different types of insurance plans, savings plans, and a bunch of other benefits. It was also filled with jargon like High Deductible, HSA, FSA, 401(k), Short-term disability, etc. 

We are celebrating our 5th wedding anniversary this year. To celebrate this milestone, I decided to put together this unromantic and nerdy post of how much we spent on our wedding. =P Feel free to guess the total amount based on the following details:

• Location: Penang, Malaysia
• Ceremony style: Malaysian (Chinese)
• Reception venue: Restaurant
• No. of guests: 300 pax

Hint: Expensive enough to buy a 5-year old used car (maybe). Scroll on to see what we splurged on:

Well, $413 to be exact. Of course, the answer is...it depends. ​Just like how some people think traveling is expensive, and wonder how we could afford traveling the world (while still being financially savvy).

Here are two separate round-trip flight tickets I booked recently, costing approximately $400 each.