How much money do you need to retire in Malaysia and Singapore?

“Retirement is like a long vacation in Las Vegas. The goal is to enjoy it the fullest, but not so fully that you run out of money.” – Jonathan Clements The amount of money needed for a comfortable retirement is a subject of much debate and varies significantly based on… Continue Reading

An Open Letter to My Patient- Paul

brown field and blue sky

“Avoiding danger is no safer in the long run than outright exposure. Life is either a daring adventure, or nothing at all.” Dear Paul, I hope you sleep well. I still remember vividly the day I said good bye to you during your last day in the hospital. People naturally… Continue Reading

How to to save your life Insurance Premium in Malaysia?

a couple cheers together

” Fun is like life insurance; the older you get, the more it costs.” Frankly, I hate insurance! The older I grow, I realize that lot of money is spent monthly by average Malaysians on insurance. And most of the times, we don’t quite understand what we are buying because… Continue Reading

You change more than you can imagine!

“Everyone thinks of changing the world, but no one thinks of changing himself.” ― Leo Tolstoy I grew up always hoping I could become a scientist, a famous physicist who could change the world by proposing a powerful theory like Relativity. Quantum physics intrigued me during my childhood. My life mission… Continue Reading

What truly matters at the end of your life?

lovely elderly couple

It’s not what you have at the end of life, it’s what you leave behind that matters.-Stedman Graham As part of my job as a physician and nephrologist, I get called quite often to attend emergency dialysis in ICU for very ill patients. Some of these patients survive but most… Continue Reading

How to make more happiness from your money?

“Money can buy a shitload of happiness — just nothing you can’t ever live without.”― Quentin R. Bufogle I started to realize the importance of money when I was young. The days when I woke up at night worrying about money were still vivid in my memory. The older I become,… Continue Reading

Physicians’ Untold Stories #2

Physicians’ Untold Stories #2

“Live neither in the past nor in the future, but let each day’s work absorb your entire energies and satisfy your widest ambition.” — Sir William Osler, FRS, FRCP This Facebook post first posted in my Facebook on 21/01/2021 HERE. You can read another physician’s story HERE. The year 2013 11:00am… Continue Reading

Why do I think less is more in life?

less is more. Be a minimalist

“We really must understand that the lust for affluence in contemporary society is psychotic. It is psychotic because it has completely lost touch with reality. We crave things we neither need nor enjoy.” -Richard Foster Over the years working as a doctor, I realize that the most important commodity in life… Continue Reading

What I teach my sons about money

mother giving her daughter her allowance

“Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver.”Ayn Rand I am going to tell you a truth, it is certainly better to be wealthy than poor. Your friends might tell you that wealthy people have a lot… Continue Reading