Build Business, Wealth & Family. By Design.
On a Friday night in March 2018, my wife and I were in a cab heading home from IKEA — a date night, because that’s the kind of exciting couple we are kakakakaka — and the driver started talking business. Not small talk. Advice. Unprompted, structured, and delivered with the confidence of a man who … Read more
In December 2019 I wrote a post about happiness with one genuinely good idea buried in it. Here’s the passage, lightly cleaned up — it was the most alive thing I wrote that whole year: If you have a toothache. You can watch a movie, buy a phone, hang out with someone — whatever — … Read more
In December 2019, I published my money theory. Point three read: “Invest ruthlessly in very defensive, dividend paying stuff (I tend to avoid growth stuff).” That wasn’t a passing comment. It was core, central of the engine of the whole plan I was preaching: “Live off dividends and interests and passive income. All active income … Read more
In December 2019, I wrote a post and pinned it to the top of every page of my website. I just re-read it. Ugh. I’m going to show you parts of it, because it’s the most honest “before” picture I have — and because I wrote it, I can tell you exactly what I was … Read more
If a patient walks in with a fractured bone and you strap a plaster over it, the photo looks fine. The patient looks treated. Everyone in the room gets to tell themselves something was done. And the fracture goes right on being a fracture underneath — quietly getting worse — until the day it announces … Read more
My first salary as a physiotherapist at Changi General Hospital was $1,700 a month before CPF. After confirmation it went up to $2,050. If I had stayed on that path — salaried, public, dependable — I would not be earning more than $6,000 today, two decades in. I want to be careful how I say … Read more
A few months back, a friend put it out on Facebook: they needed proper outpatient therapy, the kind that doesn’t burn a hole in your pocket. I’ve been in this industry since 2005. So I reached out. Told them what we do, how we could help. And because I always want people to use insurance … Read more
When the business hit its usual seasonal trough, the people who’d acquired it lost their nerve. I didn’t. Not because I’m calm by temperament. Going through quieter sales / rougher times…is still rough on my soul lol. But it’s precisely because I’d seen this exact dip before, every year, and I knew what it was. … Read more
Most people try to acquire their way into becoming. Buy the car, wear the watch, and somewhere in there, become rich. It runs in that order in their head: have the stuff, and you’ll be the thing. It’s backwards, and it doesn’t just fail — structurally, it can’t work. You’re trying to install a result … Read more
People hear the numbers and assume the goal was to stop working. It wasn’t. I saved hard so I could build freely — and those are two completely different lives. Here are the numbers, plainly. From 2008 to 2017, my wife and I averaged around $10,000 a month combined. Over ten years, roughly $1.2 million … Read more