Is Based On Growth And Personal Development

To me at least, it’s based on the following important “big matters”

  1. God, Jesus & Holy Spirit – Jesus saved us by His grace through faith AND They’re interested in our character and growth. We’re not called to be doormat Christians, but Christians who grows and adds value to the world and changes the world for God’s glory.
  2. Self Growth & Development – with the talents, skills, faculties (physical, mental, emotional, spiritual) that has been given to us, we are to take care of ourselves, our bodies, hone our skills and faculties as well as to take care of our loved ones, families, friends, colleagues, causes etc.

However, from a practical standpoint, if one isn’t financially secure ie having multiple streams of passive income and/or having a surplus of savings or income, it’s really hard to pursue what is important and good to us.

The evil is being broke, being enslaved by long hours of meaningless work, being apart from things, people and causes that truly matter.

That is why many die with regrets on their death beds – look, I’m not gonna mince my words, but at the end of the day and end of our lives, we don’t typically think of “hey I wish I was at work…” but:

Most of the regret of the dying, as shared by a Bronnie Ware, a palliative nurse’s perspective (in her book: The Top Five Regrets of the Dying):

1. I wish I’d had the courage to live a life true to myself, not the life others expected of me.

“This was the most common regret of all. When people realise that their life is almost over and look back clearly on it, it is easy to see how many dreams have gone unfulfilled. Most people had not honoured even a half of their dreams and had to die knowing that it was due to choices they had made, or not made. Health brings a freedom very few realise, until they no longer have it.”

2. I wish I hadn’t worked so hard.

“This came from every male patient that I nursed. They missed their children’s youth and their partner’s companionship. Women also spoke of this regret, but as most were from an older generation, many of the female patients had not been breadwinners. All of the men I nursed deeply regretted spending so much of their lives on the treadmill of a work existence.”

3. I wish I’d had the courage to express my feelings.

“Many people suppressed their feelings in order to keep peace with others. As a result, they settled for a mediocre existence and never became who they were truly capable of becoming. Many developed illnesses relating to the bitterness and resentment they carried as a result.”

4. I wish I had stayed in touch with my friends.

“Often they would not truly realise the full benefits of old friends until their dying weeks and it was not always possible to track them down. Many had become so caught up in their own lives that they had let golden friendships slip by over the years. There were many deep regrets about not giving friendships the time and effort that they deserved. Everyone misses their friends when they are dying.”

5. I wish that I had let myself be happier.

“This is a surprisingly common one. Many did not realise until the end that happiness is a choice. They had stayed stuck in old patterns and habits. The so-called ‘comfort’ of familiarity overflowed into their emotions, as well as their physical lives. Fear of change had them pretending to others, and to their selves, that they were content, when deep within, they longed to laugh properly and have silliness in their life again.”

And this is part of the reason why I have increased my joy and happiness by at least a good 10x after leaving my previous company that was founded by myself and my wife, EVEN when, in their bid to retain me, offered me to draw as much salary as I wanted from the company but I have a different calling.

A higher calling.

Of course, equally as important, is that I have finite time and energy – I want to spend time doing what I enjoy doing with who I want to work, grow and have fun with. It’s my choice. And I want to stay true to myself, and choosing happiness and freedom for myself and my loved ones.

It was scary and fearful, but looking back during that time, I will do it again in a heartbeat – I don’t miss them at all. I do miss the therapists whom I love and care for dearly, and have so much feelings for, but after seeing how less than 1% of them reached out to me…it’s data for me to recalibrate (though this doesn’t take away my care and love for them.)

(Although to add, after living for 3 years with very low salary, it taught me to live with less, so enticing me with money didn’t quite work, and neither did their loud noises work so…oh well).

So, let’s start with first, with helping my readers, clients and myself to first and foremost to earn more money and then transition to build multiple streams of passive income, as well as a dedicated personal development, mindset, success habits section.

Share more details in the next article.

Heck It, I’m Gonna Write BOTH

Both refers to:

  1. Passive Income Freedom Lifestyle Entrepreneurship
  2. Growth+Mastery Mindset & Habits

Passive Income Freedom Lifestyle Entrepreneurship

I added the word “Freedom” in, which to me, refers moreso to the flexibility, freedom and options associated with surplus of passive income, and it’s one of the core focus I have, which is to build a lifestyle that has flexibility and freedom, funded by passive income entrepreneurship. Of course, by providing solid value to clients.

Entrepreneurship, both physical (offline, real world) and online/internet businesses is to me, the #1 approach to build more income that can and will help me build a passive income freedom.

Here in this topic I will write and cover all about offline and online business, including:

  • Freelancing
    • How to start a side business of freelancing and earn extra income immediately
    • How to get more quality and high-value clients
    • And how to progress to physical business but I recommend moreso to…
  • Build online businesses that we care about that delivers good value to clients and get paid well. This will cover
    • Affiliate marketing and kindle ebook publishing
  • A small section will be dedicated to passive income investing, where one can invest into different passive income vehicles and instruments including income stocks and index funds; as well as “retiring early but sort off”

The other section, is the Growth+Mastery Mindset & Habits, is the other side of the coin.

There is no way anyone can become successful, build passive income lifestyle freedom, be productive, be happy – whatever it is, without a sound working framework of Growth+Mastery Mindset & Habits, there will be no success or passive income. The reason for this is that success isn’t sudden avalanche or luck – it’s built on layers and layers on small success on things that matter.

It’s the growth, mindset, tenacity, persistence, personal development and habits that embodies them that allows us to achieve all the dreams we have about our best life or best business or best spouse or best family – whatever we can think of.

If you can dream it, you can do it – Walt Disney

I took a walk back to memory lane to reminisce, recall and remember where I came from:

  • Remembering that 12 years ago today (2008), I pulled the plug and quit my job to start my freelancing journey as a locum occupational therapist, leading me to instantly increase my total take home from $2000 a month to $4800, and at the same time, I actually work less (from 50+ hours a week to 40-44 hours a week) due to less admin and I was instantly happier due to less politics and more straightforward approach to work
  • Realizing that I had spent tens of thousands of dollars to learn and improve and optimize my understanding and game of freelancing, therapy business, and then onto online business, kindle publishing, their tools, books and passive income streams (the passive income lifestyle)
  • Remembering that one of my biggest pain points is that I HAVE to be away from my kids for a good 8-10 hours for 6 days a week. This one typically hurts me the most. And worse is that I am actually perpetuating this problem because the more I do this, the more my kids will believe and think that that is entirely normal. And I don’t want that

So that’s why based on the culmination of my experiences, past, looking at where I am today, and where I want to go and be in the future, I choose:

  1. Passive Income Freedom Lifestyle Entrepreneurship
  2. Growth+Mastery Mindset & Habits

Freelance First

I still believe in the world of offline business and freelancing, which is where I started my entire business journey, and from there, I kept leveling up to start a physical business location, failing for 3x until my fourth physiotherapy and hand clinic started to make good sustainable profits – that’s why I believe for anyone who is struggling with money and their life right now, they need to first earn more, by freelancing.

Then with the income and savings from freelancing, you will have more options, which is either to quit your job / fire your boss to freelance more or to start an offline physical business location but I prefer for you to have a stable job + side income AND then take the side income to pay off whatever you need to pay off, and take some money to learn how to build an online business (the direction I’m headed and taking).

You see, I believe in online businesses and the internet, because

Online and internet businesses are the way of the future.

Look at companies like:

  • Amazon – purely online
  • Uber / Lyft / Grab – purely online (Grab’s moving offline too)
  • Facebook
  • Google
  • Shoppee
  • Lazada

…and a whole slew of them. It’s the way of the future. Even if it’s not, I want it to be MY and YOUR way of the future. Other benefits including and most importantly to me, is that I can spend time with people, projects and causes that I care about.

Which of course, will include my beloved wife and kiddos and projects such as Phoenix Rehab, family etc.

That’s one of my strongests “whys” ie my personal reasons to do well and have more time with them (and to have them in the first place, as it’s kinda tough to have families and kids when one has little to no money).

I don’t know bout you, but I do think we may have similar interests, and if you want to free yourself and your time more, then you will also have to consider to start an online business to supplement your income and ideally, free up yourself from vicious politics and 10-14 hours grueling work days, away from stuff and loved ones that truly matter.

I’m happy to introduce Wealthy Affiliate to you, which you can try for free (there is a forever-free membership version) and you can opt to upgrade to a premium member of USD 359 per year. I think you can try the free version first, and have a feel of it.

It sounds sexy and easy, but it’s work. It’s building an actual business that provides value for customers, and there is a learning curve. Most of the time, it takes about 6 months to 18 months to earn your first dollar, but done well, it can replace your income, your boss and give you options and flexibility. It just takes a lot of work at least in the beginning.

I recently ported all my domains and online sites to them because

  • sites with them are very fast
  • it’s easier to have everything in one platform
  • they have very fast and good support
  • they have very supportive like-minded network/peers (important for mastermind and growth)
  • and most important, they have a strong university/teaching to help you earn your first $1000 online.

Learn How To Make Your 1st Online Business And First $1000 Online Using WordPress

Wealthy Affiliate has been around since 2005, and I’ve been a member since 2015 – I have had a roller-coaster experience in the earlier stage and especially with comparing with Solo Build It (below, and see the comparison), but I’ve since come to the conclusion that:

Best of all, there is a free-for-life basic membership option, sign up for free here, no credit card required – see you on the inside. My profile on Wealthy Affiliate is nigelchua (my name of course haha)

Mental Exercise: If I Have $10 Million In The Bank, What Would I Do?

This exercise is an extension of my earlier exercises on finding my purpose, and the earlier guiding questions was

  • Envisioning My Ideal Life
  • What Makes Me Happy
  • Do What I’m Good At

Today’s question:

If I Have $10 Million In The Bank, What Would I Do?

Hmm – if I have $10 million in the bank, what I would do…I believe generally I’ll put them into very safe income investment vehicles that will pay me income, interest and dividends like clockwork every month or every week. Maybe it’d be 2-3% per annum, and that’s $200K – $300K, divided by 12 months.

More than enough to live and thrive.

On then, onto the more important question, what would I do then? From the interests/dividends only:

  • Take yearly prolonged vacation, say 1-3 months in different parts of the world with my immediate family. And then do it again with the extended family (one of my dreams to take our families some place once per year)
  • Hire a personal trainer and chef to help me lose weight, get in shape and get nice and fit.
  • Workout daily.
  • Go back to the usual work and continue to build Phoenix Rehab and serve the patients and therapists to build flexible and financially rewarding professional lives.
  • Write/publish articles and books, but minus the financial stresses and worries, AND cut back on work to say 6 hours max per day. Diving deeper, on “what books would I publish?” – not just passive income, but really books and courses that helps people to
    • build and live better, more meaningful lives (which will include passive income, but passive income is but a sliver and beginning part of it)
    • be a better human, parent, husband
    • be kinder to themselves
  • I’ll send and pickup my kids from school every time they have school. And stay in with them when they’re unwell. (and be able to do the same for our loved ones).
  • Read, meditate, pray more

These exercises to me are quite fund, because it’s contemplative, and clarifying and clarity bringing. I know I want a simple life and no need for fame or excess – just freedom is what I want. And as I dive deeper, I begin to see that things are “linked together”, eg

  • To become “freer”, one must free oneself of shackles such as working 8-15+ hours per day and at the same time, one must work what pays one best to invest in systems that make one freer, without losing one’s health and relationships – it becomes like a precarious catch-22, because with stress and more than one individual involved can make things more dynamic and stressful.
  • Money and passive income is indeed important to become free, and that’s good, but it’s linked but not entirely co-related with happiness, which is also another thing that’s important to me.
  • But does leaving everything behind and become “happily poor” the solution? Nah, it’d suck when I need to pay medical bills or stuff.

Hence the need to have our cake AND eat it too.

person eating cake

So what I’m sensing is that personal growth is important.

  • So is passive income.
  • So is happiness.
  • So is health.
  • So is relationships.
  • So is productivity.
  • So is purpose and meaning and passion.

Hence the truth remains that:

  1. There is more to life than money and passive income, but we need passive income and money to unlock this “more life” part.
  2. Happiness, health, relationships, productivity, purpose is also part of more life.

More thoughts to this soon.

My Publishing Coach Replied My Email On Pen Name Versus Real Name (and lots more)

He told me…

  • Go with pen name or real name, doesn’t really matter that much (though it matters a little)
  • Go through his notes again first
  • Go get published and getting paid rather than overthinking (which is fair and true)

printing machine

With this…it may seem that I may publish under different pen names, and with that, MAY be about passive income lifestyle after all.

It may be inline with my ideal of:

  • living off my publications/publishings BUT without fame/being on the forefront ie
  • living simply and comfortably

But…I cannot imagine just writing about money, saving more, earning more online and investing more. I mean, once you set the system, just let it flow and dont change it if you dont have to.

I’d rather not, I’d rather write about

  • doing less to do more
  • stopping to smell the flowers
  • how to stop to smile
  • etc

Those sort of stuff.

Maybe I’m mixing up being an author versus being a publisher – different entirely. Publishers just publish what sells. As an author, I want to know the stuff I write impacts lives, makes differences and sells. That’s the key difference to me. That it makes a positive impact, rather than just selling cos people are buying.

That will/may mean swimming against the tide, because:

  • writing about passive income and making money online is always sexy
  • same like writing about weight loss and having more sex is always sexy
  • and how to get and keep relationships too

ARGH my brain and heart is tough

Life Purpose & Focus Exercise

It’s been bugging me that I daren’t or just can’t pinpoint a focus and purpose here in

Perhaps because the domain name IS my own name, and it’s making me nervous that “I gotta get it right”. Maybe. But I’m just annoying myself, so I’m taking the time and space to allow myself to be anxious, nervous, uncertain as I do this exercise of finding my life purpose and focus.

I believe I’m brought here to this world with a unique talent, purpose and function.

That is to make this world we live in a better place, the way only I can.

Just two simple questions for now:

  • What if I will never fail, what would I do?
  • What if I have all the money in the world (or money is no longer a problem), what would I do?

To answer these 2 basic questions, Jack Canfield went a little deeper to define these 2 questions, he asked:

  1. Envisioning My Ideal Life
  2. What Makes Me Happy
  3. Do What I’m Good At

What I know is that:

  • I’ve always believed that God is so wonderful, that He made us in love, for fellowship. It’s truly amazing that He sent His Son Jesus to die for us on the cross, and I truly can’t imagine and wait to see them in person later in heaven.
  • I’ve always wanted to live off my writings, be it my books or publications
  • I’ve always believed that I need to also invest as much as possible into different income investment vehicles, such as dividend/income stocks etc, and instead of having 1 “core” source of money, to have at least 3-5 or 10+ different strong passive income sources
  • I’ve always believed that we need to follow God’s words, be faithful, do good, believe, forgive, love and grow.
  • I have a big heart, and I know God made me that way. I love people. I get people. Even when they go out of their way to make my life difficult, or cheat or scam or defraud me, or spread rumors about me. That sucks. (What sucks more is people just believe superficial scandals, lies and rumours!). But when people send love, warmth, and true friendship, I melt and tear and cry. I’ve a heart for people.
  • I’m not good with deep details. I just love to be with people, and I go very broad-based and high-level eg
    • I know that we need to build and acquire Passive Income Machines that provide us passive income that is more than our expenses, so that we can be free to spend time with people we love, such as our parents, children, causes.
    • I know that people can swing from evil to good to evil, but God made every one of them, and Jesus died for every one of them.
    • I know that even if we treat people well and love them, they may still betray and hurt us, but we still choose love anyway. And most of the time, when we first extend love and kindness, it will be reciprocated.
    • (this also means I will struggle with teaching people things, as I’m not detailed – I’m more “flow”, “sense” and “fundamental good success values”.)
  • I love people, but I also love my own quiet space. I have no need or want of fame. I don’t need that large mansion or that large corner office. I just need enough to survive and be comfortable. I don’t need foie gras nor that airflown beef. I know I will be quite blissfully happy, minding my own businesses and money without interacting much with people or having to teach. At this point in time, I’m quite happy just having passive income that’s more than my living expenses, and then being less stressed about money and just be with my wife, children, friends and businesses with a more relaxed approach. In fact, I’d be happy to live rich with little to no expenses with a fat fat wallet and ongoing streams of passive income haha.
  • I will not lie for convenience, nor cheat “just because I can get away with it” – I have my own set of values that’s largely taken from the Bible. Even if “no one knows”, God and me will know, and that’s enough for me.
  • Life has priorities, and when we can attend and choose the right priorities in the right sequence in love, we have good success, and typically they include in this particular order:
    1. God
    2. Self: Health, Talents/Skills/Consistency at Work, Money, Relationship & Health
    3. Spouse
    4. Children
    5. Family
    6. Career, Business & Money
  • In my previous business that was sold and this busines (Phoenix Rehab) that my wife invited me into, it seems that I’m good with
    1. Communicating, leading a team of people, guiding and communicating them
    2. Build systems to delegate myself so that it’d be an automatic system (so that it doesn’t rely on me)
    3. “Seeing” the core of what’s important, and deciding to go for it eg leaving bad businesses/individuals, seeing what’s important for business turnaround/growth and doing it
  • What makes me happy?
    1. Praying and connecting, hearing and communicating with God
    2. Followed by being able to spend unrushed time with people I care about (wife, kids, family, colleages)
    3. When I can be kind to someone. When I see kindness. When I see personal growth and transformation.
    4. When I think of a hypothesis, and test it and it works! Haha.
    5. Passive income – it still makes me smile till today.
    6. Early retirement – I hadn’t achieved this yet, and I believe this will be the next milestone for my life
  • What I wont want to do?
    1. I wont want to do events, seminars, talks

Also frankly, inasmuch as I LOOOOOOOOVE passive income and The Passive Income Lifestyle, I, for the life of me, cannot imagine JUST ONLY WRITING ABOUT PASSIVE INCOME. Yeah.

I don’t know, I do have quite a number of recurring passive income from my online businesses and income stocks, and it’s so easy to just write about them and post about them each week or month – it’s simple. But oh gosh, maybe I like pain and want to do more complex and painful things (like writing about good success, important things etc). This is why it’s scary to me – it’s EASIER to write about passive income because I already have sources of passive income, I have recurring topics and examples to show, and I can do it easily every month, why do I have to do pick the harder, scarier and more uncertain things to do?

We do the hard things not because it’s easy, but precisely because it’s hard and important.

I love passive income, but right now, at this moment, maybe not under brand? Maybe write about passive income under another brand ba. But under’s brand, is equivalent to my personal brand, my mission statement, the things and values I embody and carry with me.

And I know I speak a lot about passive income, but I also talk a alot about the important things that are non money, such as:

  1. How to stop complaining (Growth)
  2. Striving for happiness (Growth)
  3. I will not tell my kids we have money (Money / Passive Income)
  4. How to wake up early (Growth)
  5. How to be a real man (Growth)
  6. Principles and patterns of success (Growth)
  7. Living by your code (Growth)
  8. Stop watching TV (Growth)
  9. Do what is right and good (Growth)
  10. Growth takes courage (Growth)
  11. Overcoming overwhelming disappointments (Growth)
  12. Start where you are (Growth)
  13. The courage to live consciously (Growth)
  14. Are you sleeping still? (Growth)
  15. How to keep on keeping on (Growth)
  16. You dont have to be adequate, just start (Growth)
  17. Searching for your sacred place (Growth)
  18. Being incomplete (Growth)
  19. How do you love? (Growth)
  20. Yes you can (Growth)
  21. Love involves letting go (Growth)
  22. Passive income walkthrough (Money / Passive Income)
  23. Passive income series (Money / Passive Income)
  24. Invisible chains: what binds us that eyes cant see (Growth)
  25. And the prince lived happily ever after (Growth)
  26. Is it okay to fail? (Growth)

And much more (750+ articles at this point in time). Looking at the list above, can see that I write a lot more about:

  • awareness
  • personal development and growth
  • courage
  • failing

I am scared of failing. I am scared that I’ll waste my time. I’m definitely scared to firmly take the path of “personal development, growth and good success” track.


From the writings above, it seems like I’m geared towards personal development, growth and good success. I will have to write about passive income and early retirement as well, because achieving that sustainable is also a part of good success and personal development (under money and financial freedom).

I already have an idea about how the books I’ll write will be, which will typically be

  1. good success “doing” books, where they are dedicated and how-to do/achieve x (purely behavioral and actionable)
  2. good success “being/becoming” books, where they are dedicated to mindset, psychology, behavioral

Both are required, and if you ask me, they’re perfectly balanced half-half: a person who just does and doesn’t think, whilst successful, may not understand but they can certainly be happy simple. The one who keep thinking but don’t do, will not achieve success – we need both mindset and action to keep growing.

Come on Nigel – and to whoever is reading – yeah have a think, but then take action. You WILL get valuable data, which you can then use to fine tune and improve. Rome wasn’t built in a day, and of course we won’t be perfect from day 1. But to grow and achieve more good success, we will need to take directed action in the direction of where we want to go/be. Let’s do it!

I Wonder What I’m So Afraid Of For

I recently posted an article on “Directions and Focus 2020” for Directions and Focus 2020

And it’s annoying and fascinating how I keep holding myself back from exploring and documenting what I wanna do. Maybe it’s a perfectionist thing, where I’m afraid of making mistakes. That it’d be “a waste of time”.

A waste of my time.

So why not I take stock, and go based on what I’m doing now. Like, this season.

  • Immediate:
    • working on Phoenix Rehab, a specialist physiotherapy and hand therapy group
    • Pain Relief Physios, a site dedicated to helping patients find pain relief solutions to their physical pains
    •, a site dedicated to helping people to live and achieve good success?
  • Mid-long term: saving as much as I can to invest into
    • dividend stocks
    • online business

With the aim of dividends more than living expenses, and online business profits also more than living expenses, at this rate, we’re just looking at SGD 8000/month nett (once kids graduate from school, this amount drops a lot more) =)

Haha I think I’m a victim of my own thinking (herein, overthinking) because I tend to be a very broad-based and high-level thinker, looking at the most important things in life. Like how I described what I’m thinking, feeling, visualizing and projecting forward.

  1. I want to write about Christ and salvation, because that’s the 1st hurdle to a true salvation, dream, purpose, meaning and more.
  2. I want to write about the Passive Income Lifestyle, because that’s the 2nd hurdle to unlock and free ourselves to achieving our goal in #1 above. An example, if our dream is to be with our family, spending time with them, then being “stuck” in a work for 10-16 hours a day, and only spending a margin of a time with our loved ones…what’s the point in that?

But sometimes #1 is so big. Living a good successful life, is such a big idea, but it is so so broad.

That being said, life IS broad, open-ended, and can be quite scary.

It’s so much easier for me to “just” focus and write about Passive Income and The Passive Income Lifestyle, where I can write about:

  • Earning more via online business (such as Affiliate Marketing, Kindle Publishing etc)
  • Saving more without compromising too much comfort
  • Investing as much as possible income Income Investments


I’ll just keep writing first.

I am pretty sure as I write more, I’ll discover more and find my focus and voice. Maybe I’ll do that exercise:

  • what if I will never fail, what would I do?
  • what if I have all the money in the world (or money is no longer a problem), what would I do?

Sombre Season With Outbreaks And Deaths Globally

It is saddening and disheartening to see and read about the recent world events, such as

Death of Kobe Bryant and his daughter in a helicopter crash on 26th January 2020

white and yellow UNK jersey

There is a lot of outpouring of love towards this giant of a man on the basketball courts, as a father, husband, believer of Christ and more, and his daughter too. My heart goes to them.

Global outbreak of novel coronavirus which started in Wuhan, Hubei, China

man in black leather jacket and white helmet standing near green water dispenser

This one has me a little worried. The numbers have jumped a lot more by today, and as time goes by, more will be infected and more dead. There is a shortage of

  • surgical masks
  • hand sanitizers
  • and related products

And there has been some pockets of panic buying of groceries here and there – we have got to pray that this global outbreak will be contained with a very hard stop very soon.

I am certain that God is watching over us, He is faithful, and let’s keep praying. Directions and Focus 2020

person holding black and green compass pointing to west

Deciding a direction for myself in has always been hard for me. Hard in the sense, especially because I am a “big concept” person, focusing on the biggest things, how they relate/connect to each other, the 80/20 rules that apply.

It’s oftentimes hard for me to “just focus on one particular niche”, because I feel that life isn’t that simple. Life is not a single music track, nor a single page of a book. Our lives can be quite complex, and that’s one of the reasons why I sort of have been idealistic/perfectionistic in a way, that I want to “know the full scope” before I start writing/focusing.

So like for example, how I view life, God, “things”, in the fullest and broadest, widest perspective, in how we need to prioritize and focus is in:

  1. Finding And Receiving God. God is the central to love, life, light, salvation, everything. Without Him, everything’s useless and futile. Then finding a good bible-centric church.
  2. Creating Freedom/Freeing Ourselves from the common life’s shackles, which is usually locked in due to debt, poor money management, and us burrowing deeper and deeper into jobs that takes most of our time and lives away from what matters most. What matters most differs from people to people, to some it’s God. Maybe religion. Maybe love. Maybe to care for loved one. Maybe to find or to fulfill meaning.
  3. Taking Care Of Ourselves, Our People And Our Purposes in our health (mental, physical, emotional, spiritual), in the people who are placed in our lives (personal, work), the work/businesses and talents we have given and honed.
  4. Other Interests such as Philosophy (meaning, thinking), Reading, Leadership

Generally it’s these 4 broad broad groups that we should be focusing our time on. It’s likely that these 4 topics are so broad, that it becomes tough to focus. If I have to pick, it’s quite straightforward, because I know I love God, and He loves me, so #1 is already given, and I dont think I want to write about spiritual matters?

#2 is the next big topic to focus on, which is on Wealth, Money, Investing and Passive Income. I write a lot about passive income, how to invest for passive income, how to build passive income machines because I sincerely believe that with regular passive income that equates to our spending expenses, we become financially secure, not having to worry about money any more.

This is important because it is the catalyst and anchor benchmark where we can stop compromising and losing/using/trading our limit human hours and life for dollars. This in turn, is important because we have finite time on earth and therefore we cannot waste time on things that are

  • against our morals/values eg staying at a business/work where the leaders are unscrupulous and lying BUT you have to feed your family and put roof over your head
  • waste of time
  • takes us away from things, people, causes and purposes that are more important such as Christ, mission works, children, parents, causes
  • etc

#3 is a close-call to #2, because #3 focuses on things and matters such as:

  • Personal health: mental health, emotional health, physical health, spiritual health, sexual health
  • Relationships with spouse, parents, children, colleagues, fans etc
  • Businesses or careers we are in
  • Talents and skills we have

I call it a “close-call” because without health, one cannot earn money or spend quality time with people/things/causes we care about, and conversely, without money, one typically also cannot spend quality time with people/things/causes we care about, because we just have to work to get money first.

That being said, it doesn’t make sense to sacrifice health, relationships or whatever just for money sake, because, money isn’t really more important than health or relationships – there is no meaning in money as it is, money to me at least, is a medium to take care of myself and my loved ones so that we’re comfortable.

That’s the reason why despite me being capitalistic, I will walk away from dirty money, or earning money with/from dirty people, because I’ve purposely created some safeguards such as having paid off my HDB and a little savings to tide me over.

I will not compromise my love for God and God’s teachings for dirty money – it’s just not worth it to me.

So that’s my dilemma of my writing and focus here at – passive income and positive cash flow is the basic premise to live, and there is also an equally important thing beyond money, which includes Christ, health, relationships and purpose.

#4 I dont know where to place interests such as Leadership and Reading haha, but I do think overall/broadly, I am interested in Freedom, Personal Development and Leadership, with alignment to God/Christ (hence the “Good Success” and Jesus is the Good Leader/Master).

I am still wrapping my head and connecting the dots between my heart and my head though, and this is impacting my passive income actions/investments for my book writing (see my earlier post on Real Name vs Pen Name). My struggle is that: I’ve finite time, so I don’t wanna fluff around.

  • Shouldnt I publish under my own name? I thought/think it’d be easier to market my own books that’s under my own name rather than some fictitious unknown?
  • Money and passive income is extremely important, but should I only write about that? What about other stuff like health and relationships? Meaning. These are very important too.

I’m thinking aloud here, and it seems that these factors are important to me

  • the 4 things that are important to me is God, passive income (wealth), health, relationships and purposes
  • being “Good”-aligned – I will not tolerate or compromise with products/people that are dirty/negative/short termed

Edited to add:

I sat on this post for a couple of days, walking away and then coming back to it to reread, touch up, and considered and deliberated further and had some interesting insights and revelations.

I…seem to think, ponder, write more about passive income and passive income experiments/endeavours more than anything else. Eg I dont really speak or write much about say, health. Or relationships. I mean I write about being well balanced in health, relationships, rest etc and God/good-aligned, but I don’t write much about that.

Looking at my articles, I seem to write a lot about:

  • pondering good and bad, and being mindful of ourselves, our emotions and God in all we do
  • constant effort to acquire and build up meaningful passive income machines / assets that put money in our bank account by providing good value to consumers/users
  • freedom and breaking free from shackles

Even my projects that I’m interested in be in Phoenix Rehab, Nigel Chua (this site), Pain Relief Physios and Kindle Publishing projects, I am involved because it’s fun and rewarding, and has potential for more passive income that will last for months and years.

In fact, I just paid USD 650 to hire a writer to write articles for Pain Relief Physios that will be keyword research and get passive income affiliate sales. And have continuously pumped money into buying more dividend stocks to get more regular dividends.

(Of course, I spend hundreds of dollars every month also on Xtend Life health supplements as well as online marketing tools such as Wealthy Affiliate and Solo Build It and others such as Google Suite and more)


boy wearing gray vest and pink dress shirt holding book

Right now, as I add to the edit of this article, I’m both shocked…and relieved to a certain extent.

Shocked because data don’t lie, and where I spend my money investing and hiring articles for passive income dividends and affiliate commissions.

Relieved…because…it’s liberating. Well sort of. Maybe I’ll spend 80% of time writing on passive income machine acquisition and building, and 20% of stuff that’s important too but not that important.

…or maybe not.

That being said, this doesn’t mean I cannot start on a new course or trajectory la.

Because things like being conscious, God, goodness and Good Success is also important. I believe Passive Income is a very, very vital and crucial thing to achieve, upon which, will unlock and allow us to focus on more important things in life. Passive income that is equal or more than living expenses will be the 1st milestone to unlock the 3rd life that we can get.

(2nd Life being born-again and a true follower and believer of Christ).

3rd Life is being unshackled and free from having to work and be locked to a job that confines us to a cubicle, workspace, area for 10-16 hours 5-7 days a week.

I am definitely gonna take more time to think about this seriously, because I really dont write much about the 20% I keep thinking about (or do I?).

Singaporeans Show Low Level Of Enthusiasm At Work

There was this article that I chanced across at: which shared that:

The city fell behind India, Thailand and Hong Kong in terms of employee engagement.

Singapore falls behind globally in terms of employee engagement or their level of enthusiasm with their jobs, scoring only 47% or below the worldwide average of 53%, according to a study by experience management firm Qualtrics.

The city lagged behind India (79%), Thailand (72%) and Hong Kong (63%). However, it outpaced Japan (35%) and South Korea (40%), which registered the lowest scores.

Singapore businesses that provide feedback programmes achieved an engagement score of 55%, compared to only 33% for those without it.

Compared to the global average, overall employee engagement is 67% when feedback is collected and acted on, whilst the figure drops to 50% when the frequency is only once or twice a year.

When it comes to changing employers, about 18% of Singaporean workers intend to only stay for less than a year, in line with the global average. The percentage more than doubles (38%) for those who are planning to stay for two years at most.

And I was both surprised and yet, not surprised, that they are engaged “only averaged” 33-47% of the time, below worldwide average of 53% – these are interesting markers. Relooking at the information, I think this is key:

Singapore businesses that provide feedback programmes achieved an engagement score of 55%, compared to only 33% for those without it.

And the truth of the matter is, from what I observed, there is a lot more ground to cover and growth in leadership which is highly lacking, seeing that many of the so called leaders are leaders are not often leaders who lead with love, grace, example and teaching, but often are just “there a little longer”, “take others credit”, “don’t stand up for their people”, “entitled”, “enjoy/love being smoked by others”, backstabbing and throwing others under the bus” and a whole slew of negative leadership.

brown snake

Too many snake and smoke “leaders” around

This is one of the primary reasons why I prefer entrepreneurship.

Entrepreneurship is a lot tougher, and is not for everyone, but it is good honest work. I don’t have to see people sucking up to the superiors and bosses only when the bosses are around, and then getting all the credit, increments and promotions that aren’t due to them – kinda sucky, but I realized that there is a political game in organizations that I just don’t like or participate in.

In my own businesses, I get to choose and create the open, loving, trustworthy and gracious culture that I believe is the right way. We don’t undercut or cheat or lie, and deal with things openly without having to be scandalous or spread lies and rumours. I sleep much better too this way.

What I take from this is that people crave/want feedback, teaching, learning and leadership, and I will do that more often.

Publish Using Real Name Or Pen Name?

blue and red pens

I went for a publishing course in December 2018, under the tutelage of Dominic Tay. It was a 2 full day course, and I learnt a lot from him. Subsequently, I signed up for other publishing courses and have a few publishing tools at my reach and disposal.

This means that I AM READY to publish.

I have a current challenge, which is basically contemplating between publishing under my own personal name (Nigel Chua) or under a pen name. I know I’m interested in personal development, growth, good success, and some ideas of books that I will publish will likely go in the line of:

  • How to stop procrastination
  • How to stop watching TV
  • How to wake up early
  • How to forgive
  • etc etc

Likely down the “success habits line” eg 20 habits to beat procrastination, habit-linking for success, 10-minute decluttering, mindfulness, relationship etc. Maybe I’m going in the direction of personal branding, but to add to that, as I grow older, I feel/think I want to write things that are BOTH popular AND important to me (a bit greedy I know haha).

Now that Phoenix Rehab is slowly stabilizing and growing, I can dedicate a couple of hours a week to publishing books that I care about =)

I dropped an email to my shifu Dominic, awaiting for his input and advice.