My childhood days were difficult. Dad was a taxi driver and Mom was a homemaker. We were poor – very poor. Daily meals at home consisted mostly of just plain rice without other side dishes. Occasionally, Dad would bring home curry chicken for dinner, and this was a call for celebration! Back then, life was extremely tough. My dad did not have the luxury of having access to financial planning advice such as we do now. No financial plan. No direction. Struggling with trying to make ends meet, my parents did not believe in planning for the long term.

At the age of 14, something very eventful happened. My dad, our family’s sole breadwinner, met with a terrible accident. As a result, he was badly injured. From then on, we lost our freedom and at times had to suffice with meagre meals. There was no income continuity – Dad did not have any insurance or risk management program then. Everything came to an immediate stop because he was bedridden. The income flow to my family stopped abruptly and medical bills were piling high. Eventually, Mom had to start looking for a job. She was willing to take up any job in order to make ends meet. On many occasions, we had no food, only water. That was a nasty period in our lives – a painful one. At that time, I felt really helpless. What could I do at the tender age of 14? Relatives took pity on us. Some offered help but many shunned us.

Many months passed. Soon, Dad recovered steadily but was still unable to work. Because of the piling medical bills and the need to sustain the family, my parents had no choice but to resort to repetitive borrowing. That was the time I learnt that getting into debt was a very pathetic experience. I had to leave school to work, in hopes of alleviating the heavy burden that weighed upon Mom’s shoulder.

The year was 1976. At the age of 15, I joined the Singapore Armed Forces (SAF) as a career soldier. During the early days of the SAF, its military training academy was already established to provide a career platform for youths like myself to study and be trained as a full-time soldier.

After two gruelling years in the military academy, I finally graduated as a full-fledged soldier in the SAF. Though the training was extremely rigorous and rough then, I endured the hardship, focusing instead on my responsibility to bring home income for my family. So true is the saying,
“Tough times don’t last. Tough people do.”
A trying period in my life such as this one has indeed toughened me. In my military career, I usually topped the class and won awards in the many courses I attended. Along with it, my income steadily climbed and my family’s situation gradually improved. Eventually, we moved out from Changi to the Southern part of Singapore where we stayed in a rented flat. Compared to our wooden Kampong house, our new home was so much more comfortable, with amenities in immediate convenience. My life was transforming, slowly. Unknown to me however, Singapore was progressing and transforming at a comparatively much faster pace. Even though the quality of our lives had improved, we still:

– Did not own a home (It was rented)
– Did not have savings
– Did not have assets
– Did not have a tertiary education

In 1981, another tragedy hit. Dad passed away. Because of the accumulation of debts over the entire period when he could not work, he left behind no asset but instead, a mountain-load of liabilities. We thus had to scrimp on every cent from our monthly pay cheques to repay our debts.

My dream of becoming a millionaire was also challenged. I remembered, “Tough times don’t last. But tough people do.” I took on the challenge and confronted the obstacles head-on. I made a vow there and then that I did not want to be poor anymore. I will tell my story to the world and teach many others to be rich too. I will encourage all to pursue their dreams and be rich – because their futures were worth it.

At age 23, I bought my first home – a five-room flat in Tampines, for S$77,000. I was comfortably and happily married with two children – a boy and a girl. I had a good life then. But lo and behold, unknowingly, I had been drifting subconsciously and dangerously into my own comfort zone. I had forgotten all about my dream! I had forgotten all about my desire to become a millionaire and to teach others to become rich. Having become contented with a comfortable life, I assumed

naturally that I had invested my time, energy and money well. I assumed that the military career would last until my retirement.  During that period however, the thought and idea of becoming a millionaire soon found its way back into my heart – on and off, time and again. Finally in 1988, when I was at the peak of my military career, I decided to quit. I resigned from the SAF and joined the private sector, despite a 60% pay cut! In the first few months, I was struggling with tinges of regret and even fear at times. “Why did I make such a hasty decision to give the security of a well-paying job?” “I have to make the move in order to realise my dream of becoming a millionaire!” Ha! My heart was tossing incessantly; to and fro, left and right. Ah! It was such an unsettling feeling. “No turning back, no turning back.” Yes! No turning back! I am to move forward and realise my dream. No turning back, if I wanted to make progress and grow stronger. No turning back, if I were to make it big, bigger and even bigger than anything that I have accomplished before as a career soldier.  It was after the making up of my mind, the burning of bridges and the decision not to turn back to my past that I really felt a strong sense of breakthrough in my spirit. I was able to sense that my big break was coming soon, just like the movie, Rocky. Such an inspiring moment!

Because of my passion and a big dream, I always gave my best to any assignment or business project. Soon, I came to realise that not every superior appreciates a subordinate who is so hungry for and driven towards success. In fact, many felt intimidated and threatened by my zeal and enthusiasm. After having worked in a few salaried jobs, I eventually decided that it was about time that I started writing my own pay cheques, to enjoy a sense of independence and be freed from corporate politics.
In September 1992, I decided to take the plunge into the insurance industry which seemed rather promising and growth-opportunistic at that time. I figured that in order to gain full freedom and autonomy to my future, I had to engage in an endeavour that would allow me to unleash the full potential within me and not allow myself to be restricted by corporate guidelines, constraints or even politics.  Within my first year in this business, I made an income of $100,000. To me, that was a princely amount of money. I simply felt exhilarated, harbouring a sense of new found freedom and optimism for the future. Within a few short years, I found my income increasingly exponentially from year to year. Soon, I felt a great sense of achievement at what I had finally arrived at – crossing the million dollar mark in my net worth value.  Year 2000, I became Senior Financial Services Partner with the largest independently owned financial advisory firm in Singapore and also a Strategic Coach and Mentor to a large group of professional consultants. Today, I am Professional Trader, Senior Lecturer, Chief Analyst & Owner to Brokerage, Owner of Money changer, Owner of Food distribution worldwide and Trading Educational Platform around the world.

Are you also like myself, on the same journey and looking for directions? Don’t be afraid to make tough decisions in life.


  1. What are you going to do where you are?
  2. Are you happy presently? – if yes, move further, if no, do something.
  3. Who is around you will make a big difference is what you are trying to achieve.
  4. Read widely.
  5. Stick to your plan and keep improving as you move each day.

“Road to excellence is always under construction – have enough tools to anticipate those constructions ahead of you.

  1. an web hosting 2 months ago

    I all the time emailed this website post page to all my
    friends, for the reason that if like to read it next my contacts will too.

  2. 2 months ago

    My programmer is trying to persuade me to
    move to .net from PHP. I have always disliked the idea because of the
    expenses. But he’s tryiong none the less. I’ve been using Movable-type on various websites for about a
    year and am concerned about switching to another platform.

    I have heard fantastic things about
    Is there a way I can transfer all my wordpress posts into it?

    Any kind of help would be really appreciated!

  3. asmr this 2 months ago

    I am genuinely grateful to the owner of this web page who has shared this great article at here.

  4. Superb post however I was wondering if you could write a litte more on this topic?
    I’d be very grateful if you could elaborate a little bit more.
    Thank you!

  5. 2 months ago

    Good day! Would you mind if I share your blog with my twitter
    group? There’s a lot of people that I think would really enjoy your
    content. Please let me know. Cheers

  6. this asmr 2 months ago

    Howdy are using WordPress for your blog platform? I’m new to the blog world but I’m trying to get started and create my own.
    Do you require any html coding expertise to make
    your own blog? Any help would be greatly appreciated!

  7. Right now it looks like Expression Engine is the top blogging platform
    out there right now. (from what I’ve read) Is that what you are using on your blog?

  8. scoliosis surgery for 2 months ago

    Hi there, this weekend is fastidious in support of me, for the reason that this time i am
    reading this wonderful educational article here
    at my house.

  9. 2 months ago

    Greate pieces. Keep writing such kind of information on your site.
    Im really impressed by your blog.
    Hello there, You have done an excellent job. I’ll definitely digg it
    and individually recommend to my friends. I’m sure
    they will be benefited from this site. cheap flights cheap flights

  10. why quest bars 2 months ago

    Can I simply say what a relief to uncover somebody who really understands what they’re talking about on the internet.
    You actually understand how to bring an issue to light and
    make it important. More people must look at this and understand this side of
    the story. It’s surprising you’re not more popular since you most
    certainly possess the gift. quest bars quest bars

  11. 2 months ago

    A motivating discussion is worth comment. I do believe that you should write more
    on this subject matter, it might not be a taboo matter but
    typically people do not discuss these issues. To the next!
    Many thanks!! asmr asmr

  12. 2 months ago

    I am genuinely happy to glance at this webpage posts which consists of plenty of useful information, thanks for providing these kinds of information. ps4 games ps4 games

  13. 2 months ago

    It is not my first time to pay a visit this website, i am browsing this
    web site dailly and take nice information from here every day.

    scoliosis surgery scoliosis surgery

  14. Greetings! Very useful advice in this particular article!
    It’s the little changes that produce the most important changes.
    Thanks for sharing! scoliosis surgery scoliosis

  15. 1 month ago

    Today, I went to the beach with my kids. I found a sea shell
    and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She put the shell to her
    ear and screamed. There was a hermit crab inside and it pinched her ear.
    She never wants to go back! LoL I know this is entirely off topic but I had to
    tell someone! quest bars quest bars

  16. Gregorio Mcgonagle 4 days ago

    I loved as much as you’ll receive carried out right here. The sketch is attractive, your authored subject matter stylish. nonetheless, you command get got an impatience over that you wish be delivering the following. unwell unquestionably come further formerly again since exactly the same nearly a lot often inside case you shield this increase.|

  17. ps4 games the 3 days ago

    Very nice post. I just stumbled upon your blog and wanted to
    say that I’ve really enjoyed surfing around your blog posts.

    After all I’ll be subscribing to your rss
    feed and I hope you write again soon!

  18. Christeen Hosley 3 days ago

    Heya i am for the primary time here. I came across this board and I find It really helpful & it helped me out much. I’m hoping to give something back and help others like you helped me.|

  19. ps4 games a 2 days ago

    I know this if off topic but I’m looking into starting my own blog
    and was wondering what all is required to get set up?
    I’m assuming having a blog like yours would cost a pretty penny?
    I’m not very web smart so I’m not 100% certain. Any tips or advice
    would be greatly appreciated. Cheers

  20. Ken Jedele 2 days ago

    This paragraph is actually a good one it assists new internet viewers, who are wishing in favor of blogging.|

Leave a reply

Your email address will not be published. Required fields are marked *



We're not around right now. But you can send us an email and we'll get back to you, asap.


FINWAZE makes no representations or warranties, express or implied, in relation to this website ( or the information and materials provided on this website. It does not also warrants that this website will be constantly available or available at all times. The information on this website is complete, true, accurate or non-misleading. Nothing on this website constitutes, or is meant to constitute, advice of any kind. FINWAZE shall not be liable for any damage or injury, whether direct or indirect, that it may cause in relation to the contents of, or use of, or otherwise in connection with this website. By using this website, you agree to the reasonableness of the limitations of liabilities herein set out and further agree to assume whatever risk, loss, damage or injury in may cause in connection to the use of this website. No claims shall be brought personally against the officers and employees of FINWAZE, in connection with the use of this website. The user of this website agree to the limitations of warranties and liabilities herein set out to protect the officers, employees, agents, subsidiaries, successors, assigns and sub-contractors as well as FINWAZE. Any unenforceable provisions that may be found on this website under applicable law shall not affect the enforceability of the other provisions.

Legal Documents  |  ©2021 Finwaze Philippines

Pin It on Pinterest

Share This

Log in with your credentials

Forgot your details?