Back in my auditing days, my routine looked discipline from the outside. 4:00am: Wake up to study for my professional papers. 6:00am: gym. 8:00am: leave home. Then came the late nights. The overtime. The days I came home so late that I slept in the living room with the lights on, just b

Most people don’t lose money because they lack information. They lose money because they have too much of it without a clear strategy.

You might have seen something about a ceasefire in the news recently. Maybe you read it, maybe you scrolled past it. Either way here is why it matters to you especially if you are living in Singapore. Since the start of this year, petrol prices in Singapore went up almost 9%. The gove

When I first look at it, it look like just another stats. When I thought about it deeper, it reminded me of something I often see during conversations with clients Many tend to think that healthcare planning is only about the hospital bill. Yet the hospital bill is only one part of the equatio

Meet my new friend, 99 today. 🐎 Had an enjoyable time riding today. Yet it was much tougher than it looks. For whole of 45 minutes, I was doing just one thing practising my balance while the horse was moving. When the horse is standing still, balancing while standing up is easy. But once th

Someone shared this sentence during the Women of Courage session last Tuesday, and it stayed with me the entire week. The more I thought about it, the more I realised how easily we attach our identity to the roles we carry in life. For me, this started long before my career. Growing up, I

From 1 April, riders changed and You may pay more hospital bills now. Here is what many people don’t realise what that means. Previously, some riders could cover almost everything. Now, under the new rules: You’ll need to pay more from your own pocket first for example deductibles based o

Peak period.. Long hours.. Late nights.. Deadlines stacking on top of each other.. Uncleared review notes.. Every time I listen, it brings back a strong sense of familiarity. Because prior to joining financial advisory, that used to be my life too. Sometimes during our conversations, w

Will my current hospital insurance changed? Right now, the biggest question many have. Actually, its quite simple I will break this into three groups, You just need to see which group do you belong to. Group A If you purchased your Rider before 27 November 2025, you are the most flexibl

For a long time, success looked very straightforward. Work hard. Do things the “right” way. Keep progressing. But eventually another question appears. Not “what’s the next step?” But “Where is all of this leading?” That question changed the way I think about life, work, and the co

You can do everything right… and still end up building a life you don’t actually want. For many years as an auditor, I followed the typical Singaporean path. Work harder. Stay later. Deliver results. Climb the corporate ladder. On paper, everything felt “right”. Stable job. Clear caree

Yesterday I gave my very first Toastmasters speech. The opportunity came quite sudden. A message came in mentioning that there is a speaking slot the next day. No weeks to prepare. No time to analyse whether I was “ready”. Just a simple question.. ..Would you like to take it? So I

The interesting thing about speaking isn’t the stage. It’s what happens in your head. Tonight during table topics, my mind was racing so fast that halfway through… I forgot what I wanted to say. For a moment I just stood there. So I did the only thing I could think of is asking the audien

Yesterday I attended a colleague’s wedding and only reached Singapore around 1:30am. This morning at 10am, I was at Botanic Gardens walking with my friends. And now I’m in the gym. I've learnt that what shapes our life is rarely one big decision. It’s in the small things we choose to d

New hospital insurance riders are expected to be about 30% cheaper on average, and in some cases reductions could go as high as 84%. At first glance, it sounds like great news. But what many people don’t realise is this: What changed isn’t just the premium — it’s the structure. Previously,

The journey of becoming a woman is never just one role. a daughter, a friend, a professional, a consultant a woman still learning and growing through life. Every experience adds another layer. Happy International Women’s Day to the strength, courage and growth in every woman. 💫