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Pennies Wise Pounds Hopeful

Investing for the future now as I'm not afraid of losing the ability to spend but in losing the capacity to earn. Invest in yourself starts today…

Smelling the roses while navigating the financial concrete jungle is never easy, especially with bull traps, rug pulls, pump and dump insidious schemes lurking at literally every corner of one's investment journey.

I would like to think many would came across conversations as such, "Ohh, why I did not save more and started investing sooner" or "Shucks, I should have bought in the lows and sold at the highs". Most also understood that compounding works both ways in supercharging returns as well as magnifying losses.

By doubling your money every day for just 30 days, $1 would have compounded to more than $5.3 million, however the magic of raking in the millions only came at the last 3 days:

Day 1: $.01

Day 2: $.02

Day 3: $.04

Day 4: $.08

Day 5: $.16

Day 6: $.32

Day 7: $.64

Day 8: $1.28

Day 9: $2.56

Day 10: $5.12

Day 11: $10.24

Day 12: $20.48

Day 13: $40.96

Day 14: $81.92

Day 15: $163.84

Day 16: $327.68

Day 17: $655.36

Day 18: $1,310.72

Day 19: $2,621.44

Day 20: $5,242.88

Day 21: $10,485.76

Day 22: $20,971.52

Day 23: $41,943.04

Day 24: $83,886.08

Day 25: $167,772.16

Day 26: $335,544.32

Day 27: $671,088.64

Day 28: $1,342,177.28

Day 29: $2,684,354.56

Day 30: $5,368,709.12

Well, the crux of the matter with such roses are the thorny math. The math is sound but realistically it doesn't because 100-percent returns on compounding is never going to happen in such a short time horizon, even with higher risk appetite.

In fact, most of us go through life with expectations of achievements, whether in school, jobs, family or anything else. However, some time ago, I came to the realisation that as the stakes of failure got higher with life's commitments, the growth mindset decreases while procrastination seeps in.

As the adage goes, the best time to invest was yesterday and the next best is now. The solution to mitigate investing stupor even with a sound financial foundation is to build a coherent narrative that is sustainable and at the same time enjoyable. Frugal in spending (daily), Strategise on earnings (monthly), and Open to investing (all year round).

Frugal in spending

Well, a little save daily adds up in the long run...

Strategise on earnings

Power up with earnings everywhere; from Snack micro insurance, Grab credits, SRS contributions, donations and even VC to CPF since I can no longer do RSTU. (I know (x10) that the returns are meagre)

Open to investing

Given the parabolic rise of Cryptos & Stable-coins framing the Decentralized Finance (DeFi) ecosystem. One must be in a 10-foot dugout to not take notice that they can run parallel, if not to replace traditional financial systems. Most whom had stick around long enough should have seen economic cycles and paradigm shifts. Case in point, to be also cognisant when something quite big is emerging stronger as the day goes.

Net Worth jumped $200K to cap off a volatile 2021.

FI is an extension of your current lifestyle, where you can pursue your interests but without worrying about finances. Your sacrifices now may not be equal, but it could never be so anyway. Nor did it have to be because everyones' circumstances, priorities and choices are different.

Hopefully my insights to concretise my actions with the close of the year would be a prescription to set individual targets and also a call to action for my fellow friends. Wishing all readers a belated merry Xmas and wonderful 2022 ahead, and for your loved ones to be safe and fulfil always.



As content gets commoditised with technological advancements and fungible resources, readers should comprehend materials for informational purposes ONLY and NOT be taken as tax, legal, business, or investment advice. It also does NOT constitute as an offer or solicitation to consider any investments or securities. Case to point, the content is not directed to any individual and may not be used to evaluate or make any investment.

Do note that this is not financial advice. Please always do you own due diligence all the time and consult relevant professionals or certified financial advisors/planners. (Or a chat with me!)


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