Build Business, Wealth & Family. By Design.
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
Nobody ever sat me down and taught me money. I had front row sits since I was 8 years old, money fights after money fights, and it broke my heart how two loving people who werent equipped with decent regulatory functions combined with financial illiteracy kept fighting each other, not realizing it’s TWO of them … Read more
A cafe near my kids’ previous pre-school used to be our weekday breakfast spot — $8 to $10 every morning, then we’d drop the kids off next door in school. One Monday I peeled a chicken wing for my kid and realised it was Friday’s. Re-fried, dried out, sitting in oil that had been recycled … Read more
Rich Dad Poor Dad changed my life, and the line that stuck wasn’t about money. It was Kiyosaki being honest about what he wasn’t. I ran the same audit on myself, early. Here’s what it returned: Most people read that as bad news…but me? I read it as an indicator of sorts, on a rough … Read more
I woke up in the middle of the night fighting for my life…in my dream of course kakaka. In the dream I was surrounded — a slow, relentless horde closing in, and a group of us beating them back with whatever we had in our hands. They didn’t tire. They just kept coming. I remember … Read more
When I was selling MLM products years ago, I made sales. Real ones. Money changed hands. My uncles bought. My aunties bought. Friends bought. And every sale felt like proof. Years later I understood what had actually happened, and it’s one of the more uncomfortable things I’ve had to sit with: they didn’t buy because … Read more