What are some regrets you have in life?

Spending too much on excessive cheap food to cope with Uni stress levels~ Maybe 5x-6x Banmian a day or equivalent. Loss both money and health back then. Was much better after graduation heng ah but took months to recover from a few years of fatigue and obesity. Make sure to eat healthy as often as you can!​​​

Not learning economics early in my life.

Everything & anything revolves around it. Retirement funds, government regulations, market disruptions with tech, securities, manufacturing, education, family, law, religion, social institutions, war, science, environment, everything is related to economics. And these information are useful in helping you make better investment decisions.

Moreover, who would have known 15 years back that Singapore was going to be Asia's next financial hub.

Definitely not too late, I am catching up.