One man's FIRE journey by opening up passive income streams from side hustles
We’ve all absorbed invisible “rules” about money since childhood. These subconscious beliefs, called money scripts, shape how we earn, spend, save, and even feel about wealth. Coined by financial psychologist Dr. Brad Klontz, money scripts are often picked up from parents, religion, media, or culture without us realizing it. Many of these scripts paint money … Read more
Sapiens takes readers on a sweeping journey through the entire history of the human species, from the emergence of Homo sapiens in East Africa roughly 300,000 years ago to the biotechnological and artificial-intelligence revolutions unfolding today. Unfortunately, not everyone’s a historian buff, and may not pick up books specifically about History to read. But it … Read more
We all know we should read more. The average CEO reads 52 books a year. The average professional reads two. The difference isn’t intelligence, and it isn’t even dedication. It’s time. A standard non-fiction book runs about 300 pages and takes roughly 8 hours to read. If you value your time at $50 an hour, … Read more
Our en bloc journey has yet another twist in the tale before the final conclusion. It’s been a pretty crazy ride, one that lasted 3 attempts over 8 years, but there’s one last fight in this aging estate yet. Loyang Valley will relaunch for tender on 8 January 2026 at the same Reserve Price of … Read more
When people hear about Bitcoin, the first thoughts that often come to mind are wild price swings or speculative trading. But if you dig deeper, you’ll realise that Bitcoin is more than just an asset—it’s a response to long-standing problems in the financial system. Let’s break down four reasons why Bitcoin matters. 1. Study Fiat … Read more
Finally managed to take some time out to calculate my year-to-date trading results. I’ve presented them in table format by month. January January proved to be the best month thus far this year, and also the busiest, with 13 trades closed, 8 of which were Coinbase. As you can see from the stock names, the … Read more
If Covid taught us anything, it’s this: life is unpredictable. Jobs can be lost (I myself was severely impacted by the Covid situation and did not have a full time job for a year). Illnesses can strike. Unexpected emergencies can burn a hole in your pocket. That’s why building an emergency fund is never a … Read more
If you’re planning a family trip with children to Phuket, you’ve come to the right blog. We recently came back from a 5D4N trip to Phuket, and here, we share our chill itinerary. Our itinerary is filled with sand, sea and fun. But before we dive in proper, here are some tips. Packing Tips before … Read more
As Bitcoin continues to dominate headlines and start assimilating into portfolios globally, we in Singapore are asking a critical question: Is Bitcoin still a good investment in 2025? With its price soaring to a record US$111,000 in May 2025, fueled by global events like the U.S. presidential inauguration, national strategic treasuries and institutional adoption, Bitcoin … Read more
While both strategies have merits, lump sum investing is often superior to DCA (Dollar Cost Averaging) for maximizing long-term returns, especially in specific market conditions and for disciplined investors. Here’s why. 1. Time in the Market Beats Timing the Market The primary argument for lump sum investing is that markets, over the long term, tend … Read more
How much in emergency funds should you have? What are the different schools of thought, and how should one go about it? Well, the amount you should have in emergency funds depends on your financial situation, risk tolerance, and lifestyle, but there are several widely accepted schools of thought. Here’s a breakdown of the main … Read more
Financial Independence, Retire Early (FIRE) is all about building wealth fast enough to escape the 9-to-5 grind. But with traditional investments like index funds and real estate, reaching your FIRE number can take decades. Enter Bitcoin: the high-risk, high-reward asset that’s got everyone from tech bros to FIRE enthusiasts buzzing. Can Bitcoin really turbocharge your … Read more
As a kid growing up in 90s and 2000s, you would hear adults talking about one of the unique ways that Singaporeans could make their first bucket of fortune. The magic words? Collective Sale. More commonly known as En Bloc, this is where a condominium estate would come together, with the common goal of getting … Read more
Bitcoin just breached new all time highs, almost touching $112,000 before retreating back toward $110,000. But this time, retail is clueless and not even in the picture. Just look at the google trends chart below, search volume for bitcoin has been on the downtrend, despite these new highs. I truly believe Bitcoin will be trading … Read more
I’m back! I know it has been a while since I last wrote here. That’s because my old hosting platform has had a lot of issues, and my site was often infected with a redirect bug. After many frustrating conversations with support, and no solution in sight, I decided to change hosting provider altogether, but … Read more
As 2024 draws to a close, I wanted to recap 2023’s results, so that when I close off the trading books for 2024, I can easily and quickly have a YoY comparison. I restarted my trading journey in July 2023, with a funding deposit of $4,000. In those 6 months, I made a total of … Read more
Savings is not enough? We work hard for 9 hours a day, saving 10 to 20% of our income, and plan to work till we’re 65, and yet, in the back of our minds, we still question if it is enough (it’s not) and we still need to go out the risk curve and try … Read more
We took the kids to Perth and Margaret River over the September holidays a couple of weeks ago. The last time we were in Margaret River was in 2022, so after a 2 year break, it was nice to get back to this lovely destination. For those of you who like to drive around during … Read more
After over 2 years of production issues, Ledger finally started shipping their new product, the Ledger Stax, in 2024. All pre-orders were shipped out in 3 batches. Mine came in batch 3, and I received it in the mail sometime in July. In the meantime, my Ledger Nano S‘s screen had started dying, so it … Read more
Update: Read the updated Loyang Valley En Bloc 2025 post. Those of you following my blog will know that my estate has been trying to go on collective sale (or en bloc, as its popularly known), once in 2018, and again in 2021. Both times have failed to conclude, although we did get to an … Read more