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Articles, breakdowns
and strategies.

Every post on CPF, credit cards, investing and financial independence — sorted newest first.

Best Cashback Cards with No Minimum Spend Singapore 2026
Credit Cards · Cashback

Best Cashback Cards with No Minimum Spend in Singapore 2026

Eight cards that earn on every dollar with no minimum spend. My pick for convenience, and why unlimited cashback is fine as a catch-all but not a complete strategy.

Mar 12, 2026 · 13 min read · Read →
Singapore Economy 2026 Prediction
Singapore · Trends · Economy

The Future of Singapore's Economy. My 2026 prediction.

TFR at 0.87. One in four citizens over 65 by 2030. More furkids, fewer families, and a housing inheritance wave. Here is where I think the money flows.

Mar 6, 2026 · 11 min read · Read →
My Investment Strategy for 2026
Investing · ETF · Portfolio Strategy

My Investment Strategy for 2026. A lot has changed.

I stopped adding to S&P 500, shifted to ACWD for global diversification, and started building a precious metals position. Here is the full breakdown.

Mar 3, 2026 · 10 min read · Read →
Best Credit Cards for Travel Bookings Singapore 2026
Credit Cards · Travel

Best Credit Cards for Travel Bookings in Singapore 2026

Platform discounts before miles. My full stacking strategy for Traveloka, DBS Women World, Maybank XL and more for flights and hotels in 2026.

Jan 23, 2026 · 9 min read · Read →
CPF Full Retirement Sum 2026 Update
CPF · Retirement

CPF Full Retirement Sum 2026. Four years on.

My real CPF balances, 2026 interest forecast, the VCMA window, supercharging update, and whether I regret hitting FRS early at 30.

Jan 3, 2026 · 8 min read · Read →
My CPF Strategy for 2026
CPF · Retirement · Tax Optimisation

My CPF Strategy for 2026. And Why You Should Have One Too.

BHS up to $79K, FRS at $220,400, and a new salary ceiling. The full playbook — including what changed for me personally this year.

Jan 1, 2026 · 9 min read · Read →
I Hit USD 1M at 34
Net Worth · F.I.R.E. · Ikigai

I Set a USD 1 Million Goal at 30. I Hit It at 34.

I announced the goal before I was sure I could do it. A year later the portfolio was deep in the red. This is the honest version of what happened.

Dec 31, 2025 · 10 min read · Read →
My 2026 Credit Card Strategy Just Changed
Credit Cards · Cashback · Strategy

My 2026 Credit Card Strategy Just Changed

Nerfs, tactical shifts, and the spending trap most people fall into. Maybank F&F, DBS yuu, and what I am doing differently this year.

Dec 26, 2025 · 8 min read · Read →