Sethisfy Personal Finance - How I Retired at Age 37 in Singapore

[onlycleanerinvest]

How do people do it? Trying hard to work and save $, but like never enough.

What is your strategy to retire so early, can share.

 

[Shion]

is it got rich family background ?

 

[Spike]

I regret to share that I'm still working hard at 44..

 

[Hello_Kitty]

the current generation trend is to retire early

the previous generation trend is to work as long as possible

 

[s-ghost]

what's the big deal?

don't 大惊小怪 leh, ah gui don't even have to work

 

[coey]

Really retire or milking content?

 

[kalipo]

what's the big deal?

don't 大惊小怪 leh, ah gui don't even have to work

Ah gui is okt?

 

[niwde7]

ASK of cos can

 

[white_prince]

PAP strategy dont work on Gen Z and below

 

[Visor9999]

PAP strategy dont work on Gen Z and below

Those following greed law easily can retire for Gen Z

 

[buttbERry]

got money very song

 

[boxer33]

content creation making youtube videos not considered working?

 

[moonlighter_sg]

PAP strategy dont work on Gen Z and below

Retire so early, pay less income tax, avoid trapping so much money in cpf, dun marry, dun buy hdb, stay with parents.

 

[dushensiao]

acherli got a lot of unknown ones, better to be low key than broadcast to the whole whole unless intending to sell something.

 

[white_prince]

Retire so early, pay less income tax, avoid trapping so much money in cpf, dun marry, dun buy hdb.

U nailed it

 

[dereth]

How do people do it? Trying hard to work and save $, but like never enough.

What is your strategy to retire so early, can share.

Is there a summary?

 

[Prof. Utonium]

Is there a summary?

• Case focus: Individual in Singapore achieved financial independence and retired at 37 via an unconventional, non-linear path.
• Definition of retirement: “No need to keep working to have enough resources for life.”
• Validation method: Used two calculators (self-built + fee-only advisory firm tool); resigned once both confirmed viability.

Key strategies/factors

• Luck + adversity:
  • Circumstantial luck: Supportive family, stable base in Singapore.
  • “Twisted luck” setback: Poor A-levels → low early income → pushed into scalable entrepreneurial routes vs fixed salary track.
• Active experimentation (side hustles): Insurance agent → IFA → tutoring → scaled into tuition centre (“first pot of gold”) → expanded into personal finance website + YouTube.
• Principled frugality: Value-maximising spending (miles for business class, promo/research for purchases); accepted some social friction.
• Lifestyle design (child-free): Chose no children as a high-impact cost decision; noted Singapore’s structural tilt favouring DINK households vs singles.
• Monetised hobby as retirement anchor: Personal finance content provides (1) ongoing income buffer (reduces drawdown risk) and (2) purpose/structure post-retirement.

Replicable principles

• Reframe setbacks as catalysts.
• Run parallel income experiments; double down on what works.
• Align major life choices with financial goals.
• Build a purposeful “retirement” with meaningful, optionally profitable activity.
• Conclusion: Early retirement came from compounding strategy + lifestyle alignment + experimentation, not a single investment “secret.”

TLDR - He did tuition and is single.

 

[waiken]

nowadays gen z n younger tink content creation is a career

 

[dereth]

TLDR - He did tuition and is single.

Thanks.

Interesting path indeed.

 

[Roundtreex]

Retire so early, pay less income tax, avoid trapping so much money in cpf, dun marry, dun buy hdb.

lol aka bbfa footstep