Iran controls a key area called the Strait of Hormuz, where about 20% of the world’s oil passes through. If this route is disrupted, less oil is available → oil prices go up. When oil prices go up, transport becomes more expensive. When transport becomes more expensive, the cost of everyday

This post isn’t meant to influence anyone to get a gym membership. Before making such a big purchase, I went through a lot of thought. 1. I’m not new to the gym—I’ve been going to EnergyOne Gym for the past year, consistently at least 3 times a week. I know I can commit for the next year

Cars are often considered the ultimate luxury in Singapore, yet lately, everyone seems to be chasing a Class 3A Automatic license. It has become such a common milestone that many view it as a trend rather than a tool. While getting a license is a major life goal for many, we often overlook the stag

It’s important not to keep too much money sitting in the bank. Inflation is brutal. On average, it eats away about 2–3% of your money every year. If you had $100,000 sitting in your bank account, you’d effectively be losing around $2,000 to $3,000 in purchasing power each year. I personally u

My Fixed Monthly Investments ($1,700 Total) 1. VOO S&P 500 $1,000 This is a US-based ETF that tracks the top 500 companies in the United States. Historically, it has delivered an annualized return of around 8 to 10 percent, making it a strong long-term core investment. However, as a

I believe in owning assets. With inflation rising, the money you leave in the bank slowly loses value. A dollar today is not the same a year later. It is worth about 2.5% less compared to the year before. That is inflation. That is why I choose to invest in assets, specifically companies. I p

Location: Tonkatsu by Ma Maison - The Mall Mid Valley Southkey Price: 40–60 RM / Pax Est: ~$10+ SGD / Pax Rating: 3.5/5⭐️ My meal came up to about $15, and I’d say the portion-to-price ratio was pretty decent. I’m quite picky when choosing where to eat because I’m always worried about payi

Budget 2026 gives Singaporeans three main “free money” items: 🟩 S$500 CDC vouchers per household • Given in January 2027 • Spendable until 31 December 2027 • Can be used at supermarkets, hawkers & heartland shops 🟩 S$200–S$400 cash payout • For Singaporeans aged 21 and above in 2026

This post is not to influence or deter you from investing with a FA, but just a personal take. I’ve signed and agreed to invest $420/month for the next 10 years, for a total of $50,000 invested. I opted for a dividend plan because I wanted to see real gains instead of a locked-in growth account.

If you’re like me, just starting your first job, you probably saw your first CPF deduction and wondered where the money went… this post might help you. CPF has 3 main accounts: 1. Ordinary Account (OA) Mainly used for housing (BTO), insurance, investments and retirement. In short, this is u

FINALLY checked off a to do list item before I turn 25. Quick disclaimer first. The official timing does not include stops at red traffic lights, so it is not fully accurate 🙂‍↕️ but for the record, I have never run more than 10KM before. I am 22 in 2026 and on a random impulse, I thought to my

Short breakdown: Parents: $300 Transport: ~$90 Investments: $1,640 F&B: ~$400 Subscriptions: ~$10 Miscellaneous: ~$300 Savings: whatever is left (estimated ~$400) First off, I’m very fortunate to still be living with my parents, which means most household bills are covered. My only co

Public Sector (a.k.a. Government Jobs) Most people have probably heard about the common benefits of working in the public sector, such as job stability and consistent, on time pay. In this piece, I want to take a deeper look at the public sector from the perspective of someone who is currently w

The belief in crypto largely stems from a lack of faith in traditional fiat currencies. As governments continue to print more money, one can’t help but wonder, who is actually controlling it? Organizations like the Federal Reserve exist, but money printing persists nonetheless. This is where cry

I’m not saying you should pour all your assets into investments. I’m saying you should expose yourself to investing. To keep it simple: inflation is your enemy, and investing is your friend. While your money sits safely in the bank, it slowly loses value. Your $10,000 today won’t be worth the sa

Investment Breakdown • S&P 500 (VOO) – $1,000/month • IBIT – $200/month • PRUVantage – $420/month • SG Dividend Portfolio – $1,000/year Total: $20,440 My plan for the year is simple: stick to the original strategy. I’m focusing on building my S&

Singapore Portfolio Overview (Gist) My Singapore portfolio is built around stability, income, and low risk, with a strong focus on financial institutions and REITs. Portfolio Allocations: 🧑‍💻Financial Sector: 51.32% • DBS • ES3 (STI finance-heavy ETF) 🏢REITs: 48.77% • Frasers Centre