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Why Money-crumbs!

Updated: Jul 1, 2021

Freedom is not absent commitments but rather, the ability to choose freely.

  • Pareto principle: 80/20 ratio in almost every aspects of my life.

    1. 20% effort to achieve 80% results.

    2. 20% employee's contribution to CPF during majority of one's working career.

    3. Partake in 20% risks-returns adjusted investments in accordance to barbell.

  • Barbell strategy: 80/20 parameters.

    1. Marrying my needs (conservative) and wants (exploratory).

    2. Seek growth with accretive stocks acquisitions and income with dividends.

    3. Robust planning with anti-fragile strategy - 80% safety nets & 20% risks.

As you will have realised, the 20% crumbs might be negligible but significant in one's financial independence journey.


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 financial advisor. (Or a chat with me!)


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