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Despite having a packed week, I had to find time to see a doctor…
Earlier this week, something unexpected made financial planning feel a lot more personal to me. I’ve always been someone who talks a lot about investing and building wealth for the future. But after experiencing heart palpitations and needing to get them checked, my mind went somewhere else too.
18Xavierzzz

18Xavierzzz

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I didn’t start Investing….
I didn’t start investing $700+ a month. I started smaller, built the habit, and slowly increased the amount as my income and priorities changed. Some months, $700+ still feels like a lot to set aside. But I remind myself that I’m not just putting money away I’m building something for the vers
18Xavierzzz

18Xavierzzz

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I used to think investing was for the wealthy
I used to think investing was something you only started when you had a lot of money. During NS, that changed. After I was posted to unit, someone I trusted took the time to guide me and explain how investing actually worked. Instead of waiting until I knew everything, I decided to start with
18Xavierzzz

18Xavierzzz

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The Shirt Spoke First
I had just finished a roadshow and was trying to find my way home. When I approached people for directions, I noticed that before I could properly explain myself, some had already assumed I was trying to sell them something. At first, it caught me off guard. But the more I thought about it
18Xavierzzz

18Xavierzzz

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What is success?
When I was younger, I thought success looked expensive. A sports car. A landed home. Enough money to never have to work again. But over time, my definition changed. I realised earning more doesn’t always make you feel more secure. What matters is how you manage what you earn, whether you h
18Xavierzzz

18Xavierzzz

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This is what Financial Security is to me…
I started working at 14 because I wanted to become independent early. Back then, I thought financial security simply meant earning more. The more I worked, the safer I thought I would feel. But as I got older, I realised earning is only the beginning. What matters just as much is what y
18Xavierzzz

18Xavierzzz

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Things I’ve learned growing up in a Single-parent Household…
Growing up in a single-parent household shaped me in ways I only fully understood when I got older. For most of my childhood, I stayed with my grandparents while my mum worked long hours. At the time, I didn’t really understand why I barely saw her. Then in secondary school, I remember notici
18Xavierzzz

18Xavierzzz

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18Xavierzzz
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18Xavierzzz

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I am a Financial Consultant in Prudential.