Why Financial Independence Isn’t About Retirement, But Options
Most people think financial independence means retiring early. But the real power of FI is having options – career freedom, time flexibility, and the ability to live life on your terms.
Category: Business
The 4% Rule in 2025: Is It Still Safe?
The 4% rule has long guided retirees on how much they can safely withdraw from their portfolio. But in 2025, with inflation, volatility, and longer lifespans, does it still work? Here’s my take – and why I prefer dividend growth investing combined with provident fund stability.
Stealth Wealth: Living Rich Without Looking Rich
Stealth wealth is about enjoying financial independence quietly – living simply, spending wisely, and focusing on freedom instead of status symbols.
Geographic Arbitrage: Living Better Abroad With Less Money
Geographic arbitrage is one of the most powerful, but often overlooked, strategies for financial independence. By earning in a strong currency and spending in a lower-cost country, you can fast-track your FI journey, enjoy a higher standard of living, and reduce the amount you actually need to retire. Here’s how it works, the benefits, and what to consider before making the move.
The 5 Wealth Classes in America And What They Mean for Your Financial Independence Journey
America’s five wealth classes range from households with less than $29,300 to those worth over $2.1 million. But wealth on paper doesn’t always equal freedom. Here’s what each class means and how you can climb the ladder toward financial independence.
Financial Independence by 50: A Guide for Young Adults Starting Out
If you’re in your 20s, financial independence by 50 is within reach. With strong skills, disciplined saving, and dividend investing, you can build a portfolio that covers your expenses without selling shares. Here’s a practical roadmap to create freedom and live life on your terms.
Why 60% of Singaporeans Are Living Paycheck to Paycheck – And How to Break Free
60% of Singaporeans are now living paycheck to paycheck – even in one of the world’s wealthiest cities. In this post, I break down why it’s happening, how it impacts your time and mental peace, and the exact steps you can take to escape the cycle and work towards financial independence.
Dividend Investing in Singapore vs USA: What I’ve Learned
Singapore dividends are tax-free and capital gains aren’t taxed. US dividends get hit with 30% withholding. So who really wins on total return? I compare two pairs I own – OCBC vs Wells Fargo, and CICT vs Realty Income using 10-year total returns, and share the surprising lessons.
Why I Prefer Investing in Individual Stocks Over ETFs for Passive Dividend Income
While ETFs are convenient and diversified, I prefer picking my own dividend stocks for passive income. Influenced by Peter Lynch’s philosophy, I focus on businesses I understand, control my holdings, avoid expense ratios, and seek consistent payouts. Here’s why this approach works for me and the trade-offs every investor should consider.
10 Things I Do Not Spend Money On (That Save Me Thousands Every Year)
I don’t believe in depriving myself, but I do believe in spending intentionally. Here are 10 things I avoid buying – from brand-new cars to overpriced coffee that save me thousands every year and fuel my journey to financial independence.