This records my experience of being a 35-year-old who reached financial freedom.

It wasn’t due to any brilliance or hard work. I held an ordinary white collar job, climbing up the career ladder like anyone else.

My path to financial independence was chosen for me when I was diagnosed with a critical illness. My insurance policies paid out. I was in my early thirties.

With the proceeds, I became financially independent and unofficially retired.

I write about retirement, investing, and insurance. I am an advocate for low-cost insurance and investing, and you can read my best articles here.

I’m married to a wonderful woman, and we have a young child. We live in Singapore in a 4-room flat.

Reach me at

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