hdb, landscape, housing

Follow along my journey towards financial freedom.

A realistic documentation of a millennial’s financial struggles in the little red dot we call home. Expect brutal honesty, wry humor and biting sarcasm.

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Financially independent by 40.

I’ve learned from my time in the corporate world that everybody is dispensable. Companies will not hesitate to cut headcount if deemed necessary. This means that as long as your paycheck is your only income stream, your livelihood will always be at the mercy of others.

My goal is to make good investments and financial choices so I can secure my future at a young age. That will give me the freedom of choice to pursue whatever I want, whenever I want. If this sounds like something you want too, consider following my journey and growing together!

My Pretentious Digital Store

All the tools you need (and that I personally use) to track your finances.

Budget Planner

S$4.90

A personal budget planner built on Google sheets meant to track all your finances – income, expenses and savings. Don’t get this if you’re scared to see how much you spent on your LABUBU collection.

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CC Reward Tracker

S$0.00

I love applying for credit cards, hitting the minimum spend to qualify for the gifts, cancelling, and applying again after the cooldown period. If you love maximising free rewards, this is a must-have.

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Investment Tracker

S$9.90

I find it weird how some investment platforms don’t reveal your gains/losses or hide it away in some obscure spot. There’s no need to rely on them anymore with this automated tracker.

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Latest Posts

Dividend Investing to $1 Million #7: Rate Cut Relief

Hey guys, welcome back to another dividend portfolio update for my Dividend Investing to $1 Million series. The theme continues. Despite more and more warnings of a deteriorating economy and labor market, the stock market continues to climb towards new…

Dividend Investing To $1 Million #5: The Tariff End Game

Hey guys, welcome back to another dividend portfolio update for my Dividend Investing to $1 Million series. It’s Singapore’s birthday. August has rolled around, and while the red and white flags dotting every HDB block is honestly heartwarming – patriotism…

MFB #1: Life After Hitting The Big 30

Welcome to the inaugural post in yet another series in my finance blog – My Financial Breakdown. No, I don’t mean the mental kind of breakdown. Though that seems increasingly likely as I begin to grasp how complex finance management…

Dividend Investing To $1 Million #4: Trade & War

Hey guys, welcome back to another dividend portfolio update for my Dividend Investing to $1 Million series. It’s July. We’re officially in H2 of 2025. This past month has been yet another rollercoaster ride. I have lost track of the…

Dividend Investing To $1 Million #3: Trade War Reignited

Well, it’s June. Welcome to another episode of Dividend Investing to $1 Million. We’re almost halfway done with 2025. I could have sworn yesterday I was just planning for 2025 and enjoying the cool January weather. Bright-eyed, optimistic and ready…

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