Recently, my ASB Surrender Value money has been credited into my account. I used all of it and topped it up with a bit of my own money to pay part of the principal of my housing loan. Alhamdulilah, now my new asset-to-liability percentage is 81% to 19%. That’s a huge dip from the previous liability percentage of 34%.

Having been really focused on settling and reducing my debts for the past year, I realised that I don’t need a lot of things anyway. Not to the extent of becoming a minimalist, but more of being comfortable and enough. This puts me in a positive direction to carve my way towards an early retirement. With Allah’s will.