how much I have SAVED + INVESTED as a 23 year-old in Singapore (whole net worth) | honest adulting

[@lydiagan]

If you liked this video, check out this one: kzbin.info/www/bejne/rnPVf5dqZ7qqnc0 where I shared on the biggest-ticket items I've spent on so far :) Appreciate you being here!!!!

[@flowerfawn]

Really appreciate you being so open as it’s such a taboo topic even among friend groups. Most sg KZbinrs are often mid careers and it’s hard to find a fresh grad perspective on such topics 🥲❤

[@lydiagan]

Thank you for such a sweet comment :”) yes honestly I’m just out here making videos on things I wish people did cus I’m nosy myself HAHAH. If ur a fresh grad yourself too we got this ok!!! We’re doing ok 🥰

[@stephyschoice]

Its great that you are starting really early im 38 and have a networth of 1mil and this is after minusing my home ( balance of 400k to pay off) . I practice : 50% essentials 30% savings 10% leisure and 10% donation (most months)

[@anukritiverma9199]

Hi there! This video just popped up on my feed and I wanted to say that you’re doing amazing. I’m in my mid-20s now and also slowly transitioning into taking a more active role with my investments. Really appreciate you being transparent about your personal finances and I hope more people find this video :) wishing you the best!

[@lydiagan]

@@anukritiverma9199 hey!! Thanks for taking time to leave a comment, it’s nice to hear how someone else is in a similar situation & makes me feel less alone in the journey. Investing isn’t a walk in the park and I’m still learning a lot (when I can/am not procrastinating 😅). So glad that the content resonated with you. All the best for the future as well 🙌🏼

[@wonjontheaxolotl]

this video is SO GOODDDD, thanks so much for sharing and its really admirable to see your journey graduating from NUS and traversing working life, all the best!

[@lydiagan]

Thank you so much! I'm cheering you on too wherever you are 🥳

[@bryansonlimx]

love this video! popped up on my recommended so i hope the algo is pushing your video to more eyeballs. hope you're able to monetize KZbin channel too, you deserve it with how much knowledge you're imparting! all the best

[@lydiagan]

HAHAH I hope so! There's always pros and cons honestly. It still feels like a hobby right now without the burden of money making, but of course it'd be nice to have passive income from the work some day. Nonetheless really appreciate you clicking and taking something away from it. Have an awesome day :)

[@dsjc_]

appreciate the transparency! you’re on the right path! atb!

[@lydiagan]

thanks alot!

[@limleonard8503]

My entire net worth at 29 is -20k. Hope I decrease to -19k by age 30

[@waykee3]

How do you calculate your net worth? What do you determine your net worth on?

[@limleonard8503]

@@waykee3 total assets - total liabilities. You can try to find online for calculation

[@chrissycox7166]

@@waykee3net worth is calculated by assets minus liabilities. Assets are things such as house, cash, stock. Liabilities are things such as student loan debt, credit card debt, mortgage etc. Hope this helps!

[@waykee3]

@@chrissycox7166 I see. It’s a standard calculation, correct? Like when people say “net worth”, they are always referring to this standard calculation?

[@waykee3]

@@chrissycox7166 I see. It’s a standard calculation, correct? Like when people say “net worth”, they are always referring to this standard calculation? Actually I know the standard calculation for “net worth”. I ask only to confirm that when people say this term. There are always referring to this exact way of calculating and not some other definition that they have.

[@MKiurinuRigold]

^^ at age 32 I used to have like $20 000 however I made the wrong decision and ended up with $0 Then at age 35 years old I started saving again

[@lydiagan]

Good on you for being able to start over!

[@MH-rf8et]

Quite impressive for being 23 years old. Keep going! 🎉

[@lydiagan]

@@MH-rf8et thanks man :)

[@lily-tm6oy]

Love the transparency so much! Subscribed

[@lydiagan]

@@lily-tm6oy thank you so much Lily ☺️🤍

[@joeforthewin777]

Hi Lydia I think youre doing very well at 23! I had less than you at 23. Keep up this discipline and you will find yourself doing very well in no time. Invest in knowledge and be great at what you do. If you enjoy learning about investing then spend time and effort to compound your knowledge on it. I started reading Ben Graham’s Intelligent Investor and decided to spend my whole life focusing my career on the subject of successful investing.

[@lydiagan]

Thanks Joe!

[@MasterLeong888]

Master support u! Soon 10k subs huat ah!

[@TubeDeviant]

Sounds like you are doing well and are heading in a good direction..!! Now you have to make update videos on a regular basis.. hehe.

[@BoonTee]

Keep up the good content! Thank you for sharing!

[@lydiagan]

thank you!

[@cavankoh9580]

hi lydia! thanks so much for sharing ❤❤ love these styles of content. as a fresh grad do u think u cld share ur perspectives on starting pay and how u settled on ur first job ? whats considered competitive etc. thanks sm!!

[@lydiagan]

hey Cavan thanks so much for dropping by! :) For me I think I considered starting pay based on 3 points: (1) market rate, (2) personal ability, and (3) needs/wants. Obv for (1) it’s crucial to have a realistic sense of what your degree n course can pull in the regular industries that you go into and also this can really give you leverage when going into negotiations because you have scientific (! Lol) and data-backed evidence. (2) now knowing the market rate, how does your own experience match up to the average? Do you have more than average to offer or are u maybe just looking for a median salary to chill? How much can u add value uniquely? Kinda gives you an idea of how much you can deviate. (3) all of this backgrounded on what you personally want and need- if your personal goal is to take no less than 6k for eg then that’s simply a benchmark non negotiable u have that can filter out all jobs < than that. Do you have parents or a family to take care of or other burdens? I think those were the main points I personally took into consideration and some food for thought although I am definitely no expert… hope it helped a bit 😁😁

[@August-sk7oq]

Thanks for sharing!!! Maybe can you interview people or collate results from all over Singapore regarding how much is their savings/investment between 25 and 35 years old? I'm so dying to know!

[@lydiagan]

sorry friend I don't really do street interviews...my courage only stretches so far 😅 I doubt SG'reans would reveal this cos we're generally very private so this is me also going out on a huge limb for content HAHAH but who knows! maybe another local KZbinr will do one

[@dylanlee3317]

Just subbed 😊 keep up the content

[@lydiagan]

thanks brother

[@bhushanshelar3753]

inspiring!

[@lydiagan]

not quite deserved but thank you!!

[@bhushanshelar3753]

@@lydiaganfor me you deserve it.😅

[@octovanfoo968]

hiiii! just subscribed!

[@MKiurinuRigold]

Thank you

[@johnnytate69]

wow. that's so rich as a 23 year old.

[@lydiagan]

@@johnnytate69 I have a ton of privileges lots of other young adults don’t & am abundantly grateful for them. But working hard and saving hard hurts no one

[@johnnytate69]

@@lydiagan when I was your age, I had nothing but abuse. U go girl!

[@sek898]

You will make more $ if you do food content, most personal finance content creators have low views

[@lydiagan]

Haha making food content isn't really my thing. I love watching food videos though

[@cozygentlenight]

How old exactly is she?

[@victorvaldez760]

Noodle foid didn’t mention that her parents pay for everything .. this noodle foid needs some bwc

[@nicktan4530]

MOst men cannot take you seriously

[@lydiagan]

good

[@nicktan4530]

@@lydiagan Why good ? I cannot remember why I even made that comment.

[@iam-we6lj]

@@nicktan4530because she is an ambitious woman? Lol men like u wont get gals