--- title: Financial Freedom by 40 | An introspective journal about my personal investing journey description: An introspective journal about my personal investing journey as I work towards financial freedom before I reach 40 years of age. image: https://finfree.joceyng.com/hubfs/FinFree/finfree-full-transparent-40.png --- [![finfree-large-transparent-1](https://finfree.joceyng.com/hs-fs/hubfs/FinFree/finfree-large-transparent-1.png?width=198&name=finfree-large-transparent-1.png)](https://finfree.joceyng.com) [Let's Talk](https://finfree.joceyng.com/contact)[subscribe](https://finfree.joceyng.com/page/1#) ![finfree-full-transparent-40](https://finfree.joceyng.com/hs-fs/hubfs/FinFree/finfree-full-transparent-40.png?width=700&height=157&name=finfree-full-transparent-40.png) - [Recent Posts](https://finfree.joceyng.com) - [Book Reviews](https://finfree.joceyng.com/tag/book-reviews#topic) - [Finances](https://finfree.joceyng.com/tag/finances#topic) - [Milestones](https://finfree.joceyng.com/tag/milestones#topic) - [Portfolio](https://finfree.joceyng.com/tag/portfolio#topic) - [Referral codes](https://finfree.joceyng.com/tag/referral-codes#topic) - [Retirement Planning](https://finfree.joceyng.com/tag/retirement-planning#topic) ![How we kept our wedding expenses under $20k](https://finfree.joceyng.com/hubfs/2.%20FinFree/3EF9742D-A716-4333-9C38-AAF23A7A7E0F.jpeg) ![](https://finfree.joceyng.com/hubfs/4ABE1497-5CA2-43AC-A684-A2C19EED32FC.png) By [Joce](https://finfree.joceyng.com/author/joce) | Apr 14, 2022 ## [How we kept our wedding expenses under $20k](https://finfree.joceyng.com/how-we-kept-our-wedding-expenses-under-20k) I got married recently and we held a small-ish wedding lunch reception for around 90 guests! The actual day itself was definitely ... * read* Tags: [Finances](https://finfree.joceyng.com/tag/finances), [wedding](https://finfree.joceyng.com/tag/wedding) ![2021 in Review](https://finfree.joceyng.com/hubfs/Portfolio-Report%202021.png) ![](https://finfree.joceyng.com/hubfs/4ABE1497-5CA2-43AC-A684-A2C19EED32FC.png) By [Joce](https://finfree.joceyng.com/author/joce) | Dec 29, 2021 ## [2021 in Review](https://finfree.joceyng.com/2021-in-review) Hello again and happy holidays! * read* Tags: [Milestones](https://finfree.joceyng.com/tag/milestones), [Portfolio](https://finfree.joceyng.com/tag/portfolio) ![SaaS Evaluation - Cloudflare vs Fastly](https://finfree.joceyng.com/hubfs/Imported%20sitepage%20images/floating-cloud.jpg) ![](https://finfree.joceyng.com/hubfs/4ABE1497-5CA2-43AC-A684-A2C19EED32FC.png) By [Joce](https://finfree.joceyng.com/author/joce) | Aug 13, 2021 ## [SaaS Evaluation - Cloudflare vs Fastly](https://finfree.joceyng.com/saas-evaluation-cloudflare-vs-fastly) Someone shared Albion VC's SaaS evaluation framework with me recently a while back (as long as I've been procrastinating on this a... * read* Tags: [Investing](https://finfree.joceyng.com/tag/investing) ![](https://finfree.joceyng.com/hubfs/4ABE1497-5CA2-43AC-A684-A2C19EED32FC.png) By [Joce](https://finfree.joceyng.com/author/joce) | Jan 25, 2021 ## [Referrals and discounts!](https://finfree.joceyng.com/referrals-and-discounts) This is a listing of all the referral codes and discounts that I can provide to my readers :) Feel free to use any that suits your... * read* Tags: [Referral codes](https://finfree.joceyng.com/tag/referral-codes) ![Looking back on 2020](https://finfree.joceyng.com/hubfs/2.%20FinFree/Portfolio-Report%202020.png) ![](https://finfree.joceyng.com/hubfs/4ABE1497-5CA2-43AC-A684-A2C19EED32FC.png) By [Joce](https://finfree.joceyng.com/author/joce) | Dec 28, 2020 ## [Looking back on 2020](https://finfree.joceyng.com/looking-back-on-2020) 2020 will probably go down in memory as the year of upheavals and change. I count myself among the lucky ones to have been able t... * read* Tags: [Milestones](https://finfree.joceyng.com/tag/milestones), [Portfolio](https://finfree.joceyng.com/tag/portfolio) ![You will not be able to retire without considering this](https://finfree.joceyng.com/hubfs/Article-2-Retirement-Related-Google-Docs.png) By [Chengkok](https://finfree.joceyng.com/author/chengkok) | Oct 12, 2020 ## [You will not be able to retire without considering this](https://finfree.joceyng.com/you-will-not-be-able-to-retire-without-considering-this) Most of us who read about [wealth management](http://yourwealthdojo.com/wealth-management/) would be familiar with both the [CPF ](http://yourwealthdojo.com/5-mistakes-people-make-using-their-cpf/)and the [SRS](https://finfree.joceyng.com/my-retirement-plan-part-2-srs). Both accounts are great (with their o... * read* ![Eyeing Cloudflare (NET)](https://finfree.joceyng.com/hubfs/pexels-josh-sorenson-391522.jpg) ![](https://finfree.joceyng.com/hubfs/4ABE1497-5CA2-43AC-A684-A2C19EED32FC.png) By [Joce](https://finfree.joceyng.com/author/joce) | Aug 29, 2020 ## [Eyeing Cloudflare (NET)](https://finfree.joceyng.com/eyeing-cloudflare-net) I have not had time to update this blog as I've been busy setting up a side business in the past month! I run a small shop on inst... * read* Tags: [Investing](https://finfree.joceyng.com/tag/investing) ![How To Start Investing Today With Index Funds](https://finfree.joceyng.com/hubfs/2.%20FinFree/index%20investing%20header%20image.png) By [Financially Independent Pharmacist](https://finfree.joceyng.com/author/financially-independent-pharmacist) | Jul 25, 2020 ## [How To Start Investing Today With Index Funds](https://finfree.joceyng.com/how-to-start-investing-today-with-index-funds) Investing used to be a taboo word for me.  I’ve heard many stories of people losing their money in the stock market. This made me ... * read* Tags: [Investing](https://finfree.joceyng.com/tag/investing) ![Retirement planning for my parents](https://finfree.joceyng.com/hubfs/pension%20planning%20cartoon.jpg) ![](https://finfree.joceyng.com/hubfs/4ABE1497-5CA2-43AC-A684-A2C19EED32FC.png) By [Joce](https://finfree.joceyng.com/author/joce) | Jun 20, 2020 ## [Retirement planning for my parents](https://finfree.joceyng.com/retirement-planning-for-my-parents) One of the ways in which covid-19 has impacted my family is the growing concern that our household income may be affected as one o... * read* Tags: [Retirement Planning](https://finfree.joceyng.com/tag/retirement-planning) ![A quick look at Shareable Asset](https://www.shareableasset.com/images/main/SA-logo-color.png) ![](https://finfree.joceyng.com/hubfs/4ABE1497-5CA2-43AC-A684-A2C19EED32FC.png) By [Joce](https://finfree.joceyng.com/author/joce) | Jun 14, 2020 ## [A quick look at Shareable Asset](https://finfree.joceyng.com/a-quick-look-at-shareable-asset) Shareable Asset (SA) is an asset tokenization platform for real estate. Simply put, it allows investors to invest online in real e... * read* Tags: [Investing](https://finfree.joceyng.com/tag/investing) [VIEW MORE](https://finfree.joceyng.com/page/2) **RESOURCES** [Download the CPF retirement funds calculator](https://finfree.joceyng.com/my-retirement-plan-part-1-cpf#cta) [Download the Accrued Interest calculator](https://finfree.joceyng.com/accrued-interest-calculator) [Download the Retirement Income calculator](https://finfree.joceyng.com/retirement-planning-for-my-parents)  ### SUBSCRIBE HERE FOR UPDATES! ### Blogs I follow [A Path to Forever Financial Freedom](https://www.3foreverfinancialfreedom.com/) [Data Science Investor](https://www.datascienceinvestor.com/) [Financial Horse](http://www.financialhorse.com) [My Sweet Retirement](https://mysweetretirement.com/)  [The Moss Piglet](https://themosspiglets.com/) [SG Investment Bloggers](http://www.sginvestbloggers.com/)  [The Finance.sg](http://thefinance.sg)  [Financially Independent Pharmacist](https://fipharmacistsg.wordpress.com/)  - [****](mailto:joceisfinfreegmail.com) - © 2019 All Rights Reserved