If you were a young man in your 20s today and living in Singapore, what is one key advice would you give your younger self?

Learn investing early

Don't be lazy. just go and apply for that overseas student exchange programme though it's such a hassle to apply and you think your grades CMI. trying and failing is better than not trying and always wondering. ​​​

I should have started retirement planning as early as possible when I was still young, probably around 20 years old and earning my first income.

Your network is your networth. Mix with the right friends that will grow with you and not spend with you.

I could imagine how much I would have saved and grow if I had mixed more with positive minded people like I do now. All those savings plus compounding would go along way and I could be closer to my financial goals now.