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You can earmark a $50 extra per month for air conditioning. Even if I go McDonald's I have to spend at least $2 per day to enjoy the aircon for just 2 hours. End of the month I end up paying $60 more for some kopi I don't really need.
Life is short. You don't know when you will be picked by the Creator to go next. Don't worry about too long term. Don't gamble, smoke and waste on luxury can liao. Aircon is now a necessity in PAP highly built up Singapore. Fuck PAP