Lessons I learn when I turn 49+1

 “Getting old is like climbing a mountain; you get a little out of breath, but the view is much better!” – Ingrid Bergman As I stand on the precipice of my 50th year, a profound sense of introspection washes over me, acknowledging the undeniable passage of time and the nearing eventuality… Continue Reading

Your background doesn’t define your future

person riding kayak

“Your background and circumstances may have influenced who you are, but you are responsible for who you become”. Darren Hardy Let me tell you about a common scenario. It might make you feel that you are actually not that  bad.  Globally, in 2024, a significant portion of the population –… Continue Reading

The most fearful thing in life is illness, not death

man person people old

“Can I order a replacement body, please? This one is constantly malfunctioning.” For those familiar with my blog, I am nearing retirement, scheduled for October 2025. Through consistent monthly ETF investments, a diversified portfolio of Singaporean bank and REIT counters, and diligent contributions to EPF and ASM, I have successfully… Continue Reading

Lessons that 2024 has taught me

“Life is a succession of lessons which must be lived to be understood.” – Ralph Waldo Emerson As the curtain falls on 2024, I find myself in the final act of my professional journey, with retirement less than 300 days away. The imminence of my 50th birthday in 2025 has prompted… Continue Reading

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

“Am I going to die, Dr?”

man person people old

Why do doctors die in a different way? 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