How a regular 9-to-5 employee earns passive income for financial independence
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.
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.
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.
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.
Dividend investing doesn’t need to be complicated. In fact, the simpler and more consistent your process, the better your results over the long run. I use a checklist rooted in the wisdom of The Intelligent Investor by Benjamin Graham — and refined by my personal experience building a dividend portfolio that now generates over USD 39,000 annually (2025). Discover how I analyze a dividend stock in under 30 minutes, focusing on high-quality companies, valuation checks, and passive monitoring. By sticking to disciplined principles, you can increase your odds of long-term success and achieve financial independence.
Most people think building wealth takes decades of saving and climbing the corporate ladder. I believed that too—until I discovered the power of dividend investing. By betting big on solid, income-generating stocks and reinvesting the dividends consistently, I was able to accelerate my path to financial independence. In this post, I’ll walk you through how I shifted from a traditional 9-to-5 mindset to becoming the boss of my time—all by building a portfolio that now pays me to live.
Many investors believe they can outsmart the market by jumping in and out at the right moments—but at what cost? In this post, I break down why timing the market often backfires and how a long-term dividend investing approach offers a more reliable path to wealth. Learn how staying invested, collecting dividends, and riding through market cycles can be far more powerful than trying to predict them. Time in the market beats timing the market—here’s why.
Escaping the 9-to-5 grind doesn’t require a lottery win—it requires a plan. In this post, I share how building a dividend portfolio gave me the freedom to leave the rat race behind. Through consistent investing, smart stock selection, and the power of passive income, I created a stream of cash flow that now covers my living expenses. If you’re tired of trading time for money, this real-life journey might just inspire your own path to financial independence.
Imagine earning USD 39,000 a year while you sleep! After two decades of the traditional 9-to-5 grind, I discovered the freedom of passive income through dividend investing. My journey wasn’t overnight; it took years of disciplined saving and strategic investing. Today, I enjoy the security of consistent earnings without the daily hustle. In this blog, I share my investment strategy, the lessons learned from mistakes, and how this income allows me to live life on my terms. If you dream of financial freedom, join me as I reveal how you can achieve it too!
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