Five years ago, I opened a spreadsheet to track my finances. One sheet for my portfolio. Another for budgeting. A third for insurance. I thought I was being organized, doing the responsible thing. Every personal finance guide tells you to track your money, so that's what I did. But every qua

This was another "renovation adventure". I really liked the look of solid wood shutters — the kind that feels clean, timeless, and a little bit niche. I told my interior designer that I wanted this style for the windows. He immediately warned me: That’s going to be expensive. Why not jus

During my renovation, I fell in love with the PH5 pendant light after seeing it in person at a local home store. It looked even better in real life — I couldn’t stop thinking about it. The problem? Ordering locally meant waiting three months, and the price was pretty steep. At the time, an in

Previously, I shared a series of data visualizations on family and personal finance. Linking these charts together forms the simple and easy-to-follow financial planning strategy for ordinary people that I endorse. Facing the topic of money head-on was a self-reflection I undertook five years ag

Previously, I shared a strategy for family insurance planning . The overall approach remains unchanged, but there have been some adjustments after reviewing the policies and new family member joining. 🪖 Cancelling Accident Insurance After having outpatient medical coverage through the compan

When my mom was diagnosed with a serious condition at a public hospital’s emergency department, we immediately reached out to our insurance agent, as we had private hospital coverage in place. The agent promptly introduced us to a medical concierge representative. On the concierge’s recommendation,

Let's talk about my overall experience: The first delivery was a natural water break, vaginal delivery after more than ten hours, without induction experience. It took about ten hours from 3cm dilated with epidural to delivery, and I pushed for half an hour and finally used vacuum extraction