You Can Retire Earlier Than You Think

Discover the simple and easy way to achieve financial independence

My Financial Planning Philosophy

Easy and Simple

Simplify the complexities of financial planning by breaking them into manageable chunks and focus on the gaps. I choose to separate insurance from investment so that I can optimise my insurance expenses for protection based on my needs while maximising my investment budget for a diversified investment portfolio.

Comprehensive and Robust

My financial plan is created with the possibility of living to the age of 100 in mind with milestones that I want to achieve along the way. A review on my financial plan at the end of each year to assess my performances. I keep my financial plan robust and fluid to pivot with my circumstances, government policy changes, and investment opportunities

Disciplined and Automated

Staying consistent on a planned ‘Buy Term and Invest the Rest’ financial journey over many years is very difficult with the challenges that life throws at us. That’s why I created a systematic process that automates most of my saving and investment processes. That takes most of the manual tasks out of my hands so that I can focus on enjoying the present, with my future all taken care of.

What Others Are Saying:

It is interesting to follow Mickey’s wealth building journey because you can connect with his experiences through his detailed yet simple articles.

Kyith Ng

Investment Moats

Retireby50.me is a finance blog that features a normal white collar worker who focuses on all-round personal finance attributes and the importance of all-round asset allocation with global exposure in Equities, Bonds, CPF, SRS and Property. It’s a great blog for any readers who are looking for a start to invest and expand his or her portfolio in Singapore and beyond.

Brian Halim

A Path to Forever Financial Freedom (3Fs)

Why We Should Be Open to Talking About Money

The Importance of Salary Transparency and Why People Should Be Open to Talking About Money In today’s evolving workplace, salary transparency is more important than ever. Open discussions about pay can lead to a fairer and more equitable work environment, empowering employees and fostering trust within organizations. Despite these benefits, discussing money remains taboo for…

Understanding Privilege and Personal Effort: A Balanced Perspective

Recently, I was invited to visiting a nursing home to advice on the home’s marketing strategy. The visit gave me two profound insights. First, the privilege of having cognitive abilities to do things like building a career, and second, meeting a volunteer who had built a fashion business over 10 years, allowing him to volunteer…

Life Updates: How to Learn Better and How I Monetised My Low-Value Hours

It has been 6 months since I embarked on my career break to take the opportunity to reassess my life, priorities, and how I value time. Initially, I hoped to recharge and explore new interests, but I also went through a period of immense personal growth and discovery. It was also very enjoyable to have…