Build Business, Wealth & Family. By Design.
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
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