Life planning
Design the next 30 years, then fund them
Most retirement advice funds a life nobody designed. Decide where you'll live, who you'll be near and what your weeks are for — then work out the money.
Articles
Calm reading on money, life and the years ahead. Plain language, real numbers, no hype.
Retirement planning
The three quiet forces that bend a 30-year plan
Longevity, healthcare inflation and ordinary inflation compound quietly across a long retirement. Why 'plan to 85' fails, and why we default to age 95.
Work & purpose
Plan the work, not just the money
Part-time income of S$1,500 a month can move a retirement plan further than a decade of scrimping. Why purposeful work is the lever most plans ignore.
Retirement planning
Will my money last to 95? The three numbers that decide it
Your spending rate, your real return, and the years you must fund. How the three numbers interact, why planning to 85 is a coin flip, and how to find yours.
CPF & Singapore
CPF Life or the lump sum at 55 — how to think it through
At 55 you can withdraw some of your CPF — but should you? What actually happens, what the trade-off really is, and three questions that do most of the deciding.
The Metamorphy letter
One calm, useful letter about planning the rest of your life. No selling. Unsubscribe with one click, any time.