I used to think investing was something I’d “figure out later.” But somehow… later kept becoming later. I realised I was overcomplicating everything. It wasn’t about money. It was the fear of doing something wrong. So I simplified it into something I could actually stick to. This is

Even before I started working, I always heard people say, “Buy your insurance early!” That’s when I started asking myself the tough questions: • Should I transfer the risk to an insurance company? • Or would it make more sense to self-insure and set aside my own funds? • And more importantly…

How Much Do I Actually Need? When we first started planning for a BTO, my first thought was: 💭 Can we really afford it? 💭 How much do I actually need? I had this huge worry that I might not have enough… and the last thing I wanted was to struggle with cash top-ups or end up stuck with debts I