Joel Income Journal
A Singapore civil servant's monthly ledger on the road to S$8,000 a month by 2029
| Platform |  | Pricing | Freemium | Publishes | Daily |
|---|---|---|---|---|---|
| Issues | 115 | Founded | a year ago | Last Issue | 12 days ago |
| Active | |||||
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joelsalgojournal.substack.comLatest Issues
I'm Not Living Off Dividends Yet. Here's My Gap to S$8,000 a Month.
Someone on X asked this week: do people actually live 100% off dividends?
It’s a fair question. And I’ll answer it for myself first.
No. Not yet.
I still go to work every morning. I’m a civil servant. My salary still pays the bills.
But...
Founding offer ends tonight, 11:59pm SGT
Hi,
A short one. The founding offer for The Monthly Ledger ends tonight, Thursday 22 Oct, at 11:59pm Singapore time.
What it is: 30% off the first year of the annual plan. US$59.50 instead of US$85, renewing at US$85 a year. It’s limited...
What's inside the Ledger (and what you won't get)
Hi,
On Thursday I opened The Monthly Ledger. Before you decide, here’s what’s actually inside, using September’s layout. These are September’s summary numbers, across both my accounts. The paid post has every line behind them.
This Substa...
The Monthly Ledger: what my portfolio actually paid
Hi,
For a while now my paid tier has been a bit of everything. Holdings, trade notes, a watchlist. That was too blurry, and a watchlist isn’t something I want to be selling. So I’ve cut it down to one clear thing.
It’s called The Monthly...
The Monthly Ledger: September 2026, after the tax drag
What my two brokerage accounts actually paid in September, what tax took, what options gave back, and how far that leaves me from S$8,000 a month.
September is closed. This is the first Monthly Ledger: what came in, what went out, and what...
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| Subscribers | Engagement | 74 | Monthly Web Visits | ||
|---|---|---|---|---|---|
| Accepts Sponsors | Estimated Cost per Ad | ||||
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A Singapore civil servant's monthly ledger on the road to S$8,000 a month by 2029.
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