Middle Age Crisis - do I have a plan ?

[TTTI]

My needs are simple, any HDB flat will do, so long as it is peaceful. I dont need a car, a good bicycle/public transport/etc will do. Hawker and home cooked food will do just fine. I wear my company shirt almost all the time even off days because it is comfortable(dri fit).Totally hated suit and tie, it's ridiculous to wear them in our weather. My personal expenses are extremely low. So this allowed me the freedom to choose what I want to do instead of letting money(salary/profession/etc) decide what I do. Very much happier now with less fixed income.

In summary, the best plan to live is to do what you enjoy(or at least dont hate) and live simple.
A lot of material goods does not make one happier, while a bigger house and car makes one more comfortable, it adds a lot more financial stress if a loan is needed to finance those luxuries.

I like your life style. I am another Company shirt-Public Transport-HDB man. The thrill of traveling, one of my few indulgence is also beginning to disappear compared to when I was much younger. Many of my colleagues make fun of me for my frugal lifestyle. I wear it as a badge of pride.

What is your view on medical care? Do you go for subsidized (i.e. Class B2/C) or something better. I have been thinking about this and I am not really convinced about the advantages of higher class of medical care. I do not need air-con and I am still wondering what is the big deal of choosing your own specialist. Unless you see the doctor every month, can he really remember all the details? He will still rely on notes.

Its not just about choosing your own doctor, its about having the same doctor see you each time.
If you are not in the higher class, you are in a general pool whereby any doctor who is available will see you. And naturally, they wont feel a sense of responsibility, but rather treat you as an ad hoc basis, because afterall, chances are the next time you are here you will end up seeing someone else.
Also, the doctors managing this "public pool" are always registrars or junior doctors who are undergoing specialty training.
Or just serving out their government bond.
So aside from the facilities, there are some advantages to a higher class

[brattzz]

you get what you pay, even though sg gov trying to provide a good standard of critical healthcare at affordable rates.


think PTE H&S insurance can be helpful here.

*NOT insurance agent!!*

[touzi]

Thanks everyone for your input. I remember reading somewhere recently that most Singaporeans actually did make full use of what their private insurance, instead they chose a lower class when admitted to hospital. My guess is that the post hospitalization follow up cost could be one reason.