Every post on CPF, credit cards, investing and financial independence — sorted newest first.
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.
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.
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.
Platform discounts before miles. My full stacking strategy for Traveloka, DBS Women World, Maybank XL and more for flights and hotels in 2026.
My real CPF balances, 2026 interest forecast, the VCMA window, supercharging update, and whether I regret hitting FRS early at 30.
BHS up to $79K, FRS at $220,400, and a new salary ceiling. The full playbook — including what changed for me personally this year.
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.
Nerfs, tactical shifts, and the spending trap most people fall into. Maybank F&F, DBS yuu, and what I am doing differently this year.