Why You can relate to the Singaporean Financial Freedom Index better than my Stages of Wealth
One of our advisers saw this Singapore Financial Freedom index, and wanted to find out whether I am financially free, the Singapore way. Here is …
Financial Independence
Squeezing Your Life into $2,600 a Month
I think let us take a break from AMC, BlackBerry and Game Stop for one weekend. A few days ago, one of our client advisers …
Spending Your Entire Paycheck Upon Financial Independence While Still Employed
I came across an interesting question on one of my social media platform. It relates to retirement and I would like to share my short …
Survival, Freedom and Power: The 3 Phases of Life & Money
About 10 years ago, I went to someone’s house on another person’s recommendation. I have lived with a skin problem for 15 years of my …
How I view COVID as an Opportunity to Stress Test My F.I.R.E Plan
A couple of months ago, someone asked on Reddit about how our experience these few months living in financial independence. He was also curious if …
Negative Real Bond Yields Impact on the 4% Safe Withdrawal Rate
A couple of years ago, I played with this Software-as-a-service called Timeline. It allows an adviser to put their client’s case throught the system and …
The Safe Retirement Spending Rate can be as high as 5% in Today’s Low-Inflation Environment: Bill Bengen
A good rule-of-thumb to estimate whether you have accumulate enough to retire or not is based on a magical 4% Safe Withdrawal Rate. This percentage …
NYU Endowment failed to Capture Much of a Secular Bull Market’s Returns – The Portfolio Lessons
The endowment of universities is an area that I took an interest in the past because they have very specific requirements that are similar to …
Your Initial High Savings Rate May Not Let You Be Financially Independent On-Time Due to Lifestyle Creep
There is this befuddling lifestyle creep math that didn’t hit me until I saw the math. It is one of those things that if I …
When a YOLO Lifestyle Should be Encouraged in Singapore
The term YOLO gives older folks the worst kind of ideas about young people nowadays. (YOLO stands for You only lived once, which is a …