Why I Became a Financial Advisor, and What I've Learned in 8 Years
The honest story behind the practice, and the lessons that shaped how I advise: clarity first, products last.
// insights & notes
Notes from the studio.
Plain-English thinking on money, policies, CPF, property, and putting AI to work. Written the way I'd explain it across a kopi table: warm, direct, and occasionally opinionated.
// start here Complete · 7 parts 5 of 14 published
New here? Read in order.
Two finishable series that build on each other. Begin at Day 1 and you'll have a working money system by the end, then know your CPF cold.
Money Foundations
Seven evenings from "broke on a good salary" to a working cashflow system. Start here.
- Day 1 Gross vs Take-Home: The Only Salary Number Your Budget Should Use 6 min
- Day 2 Where It Actually Goes: A One-Evening Singapore Spending Audit 6 min
- Day 3 Why 50/30/20 Breaks in Singapore, and the Split That Actually Works 6 min
- Day 4 Your Emergency Fund: How Much, and Where to Park It in Singapore 7 min
- Day 5 Pay Yourself First: Automating Your Money the Singapore Way 6 min
- Day 6 How to Pay Off Debt in Singapore: Kill the Most Expensive First 7 min
- Day 7 The Monthly Money Date, and the Government Cash You're Already Owed 7 min
CPF, decoded
Read it, route it, and squeeze more retirement, housing and healthcare out of the money that’s already yours.
- Day 1 How to Read Your CPF Statement in 10 Minutes (2026) 6 min
- Day 2 Where Does My CPF Money Go? CPF Allocation Rates by Age (2026) 6 min
- Day 3 The 2026 CPF Changes That Affect Your Take-Home Pay 6 min
- Day 4 Earn an Extra 1-2% on Your CPF: The Tiers Most People Miss 6 min
- Day 5 The Year-End CPF Top-Up That Cuts Your Tax Bill 6 min
- Days 6–14 More publishing weekly
// stand-alone reads 
A few that stand on their own.
Bigger-picture pieces you can read in any order, the kind of thing I'd point you to first depending on where you are.
The Complete Guide to Auditing Your Financial Portfolio in Singapore
How to find out what you actually own (policies, CPF, investments and loans) and spot the gaps and overlaps quietly costing you money.
The Singapore Life & Money Roadmap: From Your 20s to Your 60s
A decade-by-decade map of the money moves that actually matter in Singapore: what to do in your 20s, 30s, 40s, 50s and beyond.
How to Use AI to Manage Your Personal and Business Finances in Singapore
A grounded look at where AI genuinely helps with money, and where it doesn't. Real workflows from my own advisory practice, not hype.