Lean FIRE vs Fat FIRE — And Why I Don’t Fit Neatly Into Either
If you’ve spent any time reading about financial independence, you’ve probably come across the labels — Lean FIRE, Fat FIRE, […]
How I Built My Investment Portfolio (Slowly, On Purpose)
People sometimes expect a portfolio story to come with a spreadsheet — every purchase, every year, laid out in sequence.
My First S$100k — And What It Actually Took to Get There
I hit my first S$100k in my late 20s. Not through investing — I didn’t touch the stock market until
Why Discipline Beat Motivation in My FIRE Journey
People sometimes ask what motivated me through 27 years of saving toward financial independence. The honest answer is a little
The Three Income Streams That Actually Fund My Financial Independence
People often ask what my “one” passive income source is, as if financial independence runs on a single pipe. It
The Moment I Realised Money Wasn’t the Goal — Options Were
I used to think the whole point of financial independence was the number. Hit the number, stop working, done. It
How I Worked Out What I Actually Needed for Financial Independence
For years, I assumed there was a formula everyone else already knew and I just hadn’t found yet. Multiply your
How I Decide When to Reinvest Dividends vs. Let Them Sit as Cash
For years, I assumed the answer was obvious: reinvest everything, always, as fast as possible. Compounding is the whole point,
Why “Enough” Is the Hardest Number to Define
I still remember the exact spreadsheet cell where the numbers finally lined up. Years of tracking, saving, investing — and
What I wish I’d automated before I left my job
I spent two decades building the financial side of FIRE. What I did not spend enough time on was learning