It seems the island nation of Singapore is now experiencing the Surprise Millionaire phenomenon.  Loh Kum Mow, a local sub-accountant (i.e. junior accountant) passed away in 2016 at the age of 89. Coming from humble beginnings, this gentleman made his way in the world grasping every opportunity that came his way. By combining those opportunities with some super saving and investing, not to mention frugality, Mr. Loh managed to accumulate quite a nest egg throughout his life. So much so that his friends and loved ones were shocked to learn that this quiet, unassuming man had amassed a $20 million estate! However, Mr. Loh’s wealth accumulation skills could not outshine his giving. In addition to assisting family members throughout his life, Mr. Loh also left millions to charity. What a great tribute to a hard-working gentleman who lived an exemplary life!