The doctor makes a lot of money!

doctors make a lot of money

” Doctor, you make a lot of money!” these are the common words patients say to me during my daily clinic consultation. Doctors are making good money by charging high fees! That the impression patients have on doctors! Is it true? I joined a private practice in 2012 after working… Continue Reading

How to avoid an investment scam? Stay away from 3 poisons.

how to avoid an investment scam?

“Never trust a person that tries to sell you by how righteous they are. I’m telling your right now, it’s a scam.”― Richie Norton It is a total disaster for any investor to lose their hard-earned money to investment scams. An investment scam can present to you with different faces and… Continue Reading

What is your plan after retirement?

what you want to do after retirement?

The tragedy of life doesn’t lie in not reaching your goal. The tragedy lies in having no goal to reach- Benjamin Mays Some readers ask me via emails what plan do I have after retirement since I am so obsessed about early retirement. How do I plan to spend all… Continue Reading

Can everyone retire a millionaire?

I want to retire a millionaire

“Become a millionaire not for the million dollars, but for what it will make of you to achieve it.”― Jim Rohn I was once asked by a reader through email that since my strategy was so simple, does it mean everyone in this world can retire a millionaire? The answer is… Continue Reading

Earning extra money

earning extra money

The moment you stop learning is the moment you stop growing! With ever-increasing stresses at work and dissatisfaction and burnout over long hours, it is not surprising that more and more physicians are quitting medicine. Making money from practicing medicine is hard. As a doctor, you shouldn’t give up the… Continue Reading

Monthly Financial Update July 2020

monthly financial update

I have decided not to list down my passive income in this blog due to various reasons. However, I am still very happy to share my expenditure here. Maximizing your income is part and parcel toward financial independence. I am trying to increase my passive income by doing a few… Continue Reading

How much time do I have?


Unfortunately mortality rate is 100% and life prognosis is death. Retire young and enjoy life while you can! How much time do I have? Can life be immortal? Should I be filling up life with working hours, borrow more debt, and buy more stuff? Where does a person go when… Continue Reading

You can’t get rich overnight!

Money and bitcoin

You can’t get rich overnight. Financial independence is a long winding road that needs discipline and patience. Can you get rich overnight? You probably can but the chances are very slim. It is more likely for you to be struck by lightning than getting rich overnight. Almost everyone in this… Continue Reading

Investing in ETFs


If you don’t know where you are going, you can be in any way in the end.Set a target and stick to it.- Dr. Goh H Some readers are still not sure how to buy ETFs even though I have been talking for 3 months. The price of VUSD has… Continue Reading

Invest now or later?

invest now or later?

“Tomorrow is promised to no one. Prioritize today accordingly.”-Gina Greenlee As I am writing this post, the S&P 500 has rebounded almost back to the pre-pandemic crisis level. S&P 500 is currently trading at 3215 as a contrast to the trough level of 2237 on 27 March 2020. A lot… Continue Reading

Your Money or Your Life?

your money or your life

If you buy things you do not need, soon you will have to sell things you need!-Warren Buffet There were a few books that I enjoyed very much during Malaysian MCO ( movement control order) 2 months ago. One of these was ” Your Money or Your Life” by Vicki… Continue Reading