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? - Seedly
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Anonymous

Asked on 15 Sep 2019

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?

Both financial and personal advice?

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Build an online community... call it seedly and wait for IPO... kidding.

1) Go for an overseas assignment whereas possible. The biggest problem for Singaporeans is that we don't know what we are missing out.

Go overseas and you will realise how.... different the world is =)

2) Do small business or at least learn how to do small business. A career does not bring as much joy, leisure and happiness as a nice business. And think big, think long term.

3) Do a sales job, but quit in 3 years. Learn basic sales as it is extremely useful, but do not get attached to the high commission. Use the sales skillset for a bigger presentation in your life.

4) Public Speaking. Engagement. Digital Marketing. Business writing and email writing. A very underrated skill set you should have mastered by 25.

5) Pay for all the courses that you think it is useful. Learn them well. 2/3 will be not as useful as you think, don't think abt wasting the money, think of the other 1/3 that will change your life for the better

6) Ignore the sceptical people and negativity. The richest and happiest people around us are those who understand to be better, you have to be different. And be happy that they are sceptical. The world needs a big middle class.

7) Enjoy life. Don't save. Make more money. Build more skills.

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Jacqueline Yan
Jacqueline Yan

17 Sep 2019

Totally agree!! Especially on point 1! I haven't had a chance to do so, but I'm definitely planning on it before starting a family. There's so much we've taken for granted and not experienced in life. Sadly, overheard an older guy (sounds like he's a prof in SMU) saying that Singaporeans students don't stand out during interviews. We're well-prepared, we know what we're saying, but we just don't stand out, compared to interviewees from the US. That makes me sad ):
Cedric Jamie Soh
Cedric Jamie Soh

17 Sep 2019

I totally agree... eh students are too sheltered. need to go overseas and see the real world. :)
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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. ​​​

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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.

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Rais M

Rais M

Level 7. Grand Master

Answered on 26 Feb 2020

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.

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Commit to a relationship earlier.

Spend more time with loved ones.

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Read up more about personal finance, start investing early even if it's small amounts

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Invest early, mostly into ETFs, don't touch that money for years

stay honest, decent, modest, friendly, open, and refine your character

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Geraldo L.

Geraldo L.

Level 7. Grand Master

Answered on 26 Feb 2020

Don't be afraid to get out of your comfort zone. Only when you do so would you be able to know what you don't know and grow from where to are to where you want to be. While doing so, don't be afraid to fail as well. There's a quote by Flannery O'Connor which i really like - It is better to be young in your failures than old in your successes.

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MT2020

MT2020

Level 7. Grand Master

Answered on 26 Feb 2020

Do not spend so much on alcohols and clubbing. Wasted my days during poly going to clubs almost every week. Could have saved a substantial amount of money if only i cut down at least half the time i went there.

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