Learning to Let Go of Money

[@masterfuture1]

Love that u are enjoying and do spend money! I hope that it will give you ideas to vlog your travels as well which will be very nice content as well and love to watch it! Hope you feel better for your spine and merry Christmas in advance!

[@deeconsumer]

Good breakdown once again 🫡

[@leshmirachindran2905]

Hi! The question is not related to your video. I just want to know more regarding the UOB One account. Will i be able to get the 0.05% interest if i only have 4k in my account? Or will I only be able to see the interest once it reaches a certain amount or if I fulfil the spending and salary credit criteria? For the $500 spending criteria, does it include paying for subscriptions on Google (eg. Disney+ or spotify), online shopping or bills via axs app?

[@mayastoriessg]

Hi. Mind sharing the place you went for hair treatment in JB ? Thanks

[@DemiZhuang]

SarangHair!

[@MaxGarmin]

HI Demi, happy to see that you are growing from strength to strength in your journey and wishing that it will continue for you in the years to come. BTW, have just stayed @ Capri by Fraser in JB and I must say, it is one of the best experience among the lot in JB. Thanks again for the recommendation and I am pretty sure that we have made it our preferred accommodation moving forth.

[@DemiZhuang]

Niceee ☺️ glad you guys enjoyed the place!

[@addmoremilk]

hey Demi! i'm a budding investor who is trying to optimize my asset allocation. For a moderate risk portfolio, what would you recommend to be the ideal % for different classes? also in SG, would you recommend SRS? considering that it will be locked till retirement, would you consider it an optimal option?

[@DemiZhuang]

Hello! Wow I think allocation % is really personal though. I'd only do SRS if my income is really high for the year like above $100K just to save on taxes because like you mentioned it's locked in.

[@addmoremilk]

@DemiZhuang thank you!

[@tanzhengnan5989]

Isit better to invest QQQ using moomoo vs IBKR? Thanks!

[@DemiZhuang]

If fees is your main concern, IBKR is cheaper!

[@mrvedejo]

Isn't QQQM the same as QQQ but with lower expense ratio? Why did you go with QQQ?

[@DemiZhuang]

QQQM can’t set up RSP 🥲

[@AjoraJade]

Any reasons why you setup CSPX and QQQ via different platforms?

[@DemiZhuang]

Consolidating temporarily together with my Singapore stocks on that platform. Once it hits a certain amount I’m gonna liquidate and buy a SG stock.

[@Lish-mk4jk]

how come you have both QQQ and CSPX? Aren't they the same?

[@DemiZhuang]

Overlaps but not the exact same!

[@WongHongJun]

Curious about how you can get such a cheap ssd.. what is the capacity and is it legit?

[@DemiZhuang]

Oh had some vouchers applied 😅 paid a total of $60+ net

[@Pauljrt]

Thanks for sharing Demi. Coming from a fellow Singaporean in New Zealand

[@DemiZhuang]

Thank you for watching! Living in NZ? :)

[@Pauljrt]

⁠@@DemiZhuang Yes. In Wellington. We have very different investment platforms here : )

[@DemiZhuang]

Thats really nice!! 😊 Hope to do that next time!

[@sgboon]

Try to get the Airasia $99 all in ticket to Bangkok, really save alot

[@DemiZhuang]

Haha will try it out next time.

[@sebasWwq]

Hi demi! Just wanted to ask if trust cashback cc is widely accepted in japan? If not, any alternatives to recommend? Thanks in advance!

[@dwh6455]

I have used Trust Debit card back in Jan this year when I was in Osaka and Kyoto. No issue in most places. But do have some cash on hand for those smaller / self own shops & eatery.

[@DemiZhuang]

Yup widely accepted but like what @dwh6455 said, prepare some cash too :)

[@sebasWwq]

Hi both. Thanks for the advice! Just checking if i were to withdraw jpy cash using youtrip or trust link card, are there any foc withdrawal atm in Osaka area?

[@DemiZhuang]

7-11 is free!

[@sebasWwq]

@@DemiZhuang thanks demi!

[@JJarJared]

Hi Demi, i see you used Atome and paired with DBS WWMC & earned miles. Is this eligible only for travel category in Atome or other category are also eligible to earn miles on Atome+DBS WWMC?

[@DemiZhuang]

Hello! I went to check my points, I was awarded the bonus points for the transactions so I guess it works? haha