Over the years in Singapore, we have tailored our life style choices to minimize t$ cost; meanwhile maximize comfort + convenience.

Before this happens, those _default_ choices were not efficient utilization of monthly t$ budget.

Need to go through the same customization in US or any new place.

* home very close to MRT
* easy access to exercise facilities
* low mortgage burden. A major recurring cost to many families
* bicycle
* library to borrow books and multimedia
* after-school care
* home (not center-based) tutor to reduce tcost
* low cost IDD
* free incoming mobile plans
* individual swimming lessons
* low-cost restaurant visits
* ping pong in office
* East coast park
* movies

* low cost laptops

* low cost plasma TV
* very few overseas vacations due to $t
* very few renovations – saved $70k
* avoid expensive pre-schools – not worth it at all