The SG Hustle

Recently, I received a few DMs asking the same question: “What exactly is your side hustle?” I have mentioned before that it is related to property, and that naturally made some people assume I meant property investing, property flipping, or becoming a real estate agent. But the answer is actually none of those. My side hustle is related to the built environment sector , which is also closely tied to my main professional field. However, instead of working purely within my job scope, I operate on the execution side of projects. In simple terms, I function somewhere in the space between contractors and subcontractors . Not Property Investing Let me first clarify something. When people hear “property side hustle”, the first thing they think about is buying and selling property, collecting rent, or doing property investment analysis. That is not what I do. I am not buying houses to flip them. I am not a property agent at least for now. And I am not running a property investment advisory se...

I have two kids. This year, they will turn three years old and one year old. Becoming a parent changes the way you see life. For me, it also made me reflect deeply on why I am who I am today. I did not grow up in a wealthy family. My parents did their best, they gave me food, education, and a stable upbringing. For that, I will always be grateful. But as I grew older, I began to realise something. What my parents gave me was like a pair of running shoes, while some other parents had already given their children a motorbike, a car, or even a rocket. So while I managed to do well academically and eventually landed a decent job, my financial position today is still something that many of my peers had already reached five to ten years earlier, largely because of family support. That difference in starting points matters more than people like to admit. What I Want for My Kids Because of that, I often ask myself a simple question: What am I doing for my kids? I do not want them to feel trapp...

After sharing about my routine life, I had a hard realization: Even if I achieve FIRE tomorrow, nothing meaningful might actually change. Yes, I would no longer work from 8:30am to 5:30pm. Yes, I would have financial freedom. Yes, technically, I “made it.” But what then? If I remove the office hours from my schedule, my day would still revolve around the same cycle, kids, errands, family obligations, sleep, repeat. The structure changes, but the pattern remains. And that scared me. The Illusion of Freedom For a long time, FIRE (Financial Independence, Retire Early) was the goal. The dream was simple: Build investments. Grow income streams. Escape the corporate grind. Reclaim time. But recently I asked myself a question that hit harder than expected: If I retire early, what exactly am I retiring to ? Most of my peers will still be working. Their lives won’t pause just because mine does. Weekdays will still be weekdays. People will still be busy. If my wife and...

For the past month, I’ve been quiet. Not because I had nothing to say. But because I was trying to figure out what happened to me. Somewhere along the way, I slowly disappeared. The encounter with the fortune teller as mentioned in my previous post made me reflect a lot.  Not physically. But mentally. Emotionally. Personally. I realized I was no longer living as me . I was functioning as a Husband. A Father. An Employee. But not as an individual. It sounds dramatic, maybe even selfish. After all, aren’t these roles what adulthood is about? Yes. But here’s the problem: when you become only your roles, you forget the person inside them. Let me show you what my life looks like. Monday to Friday 5:30am: Wake up Get myself ready Prepare the kids for childcare 6:50am:  Leave the house 7:15am: Drop the kids off Before 8:30am: Reach the office From 8:30am to 5:30pm: Corporate life. Meetings. Deadlines. Targets. Repeat. 5:30pm: Rush out 6:10pm: Reach childcare before 7pm cu...

Why I Went Quiet for a While I was missing for a period because I was lost, not in a dramatic way, but in a quiet, exhausting one. Life had become a routine of working, providing, and taking care of the family. I was doing everything I was supposed to do. Yet somewhere along the way, I disappeared. There was no space for myself anymore. No curiosity, no joy, no soul, just responsibilities on repeat. I wasn’t unhappy enough to break down, but I wasn’t alive enough to feel whole either. A Chance Encounter With a Fortune Teller One day, while walking around after my lunch, I passed by a fortune teller’s shop. I don’t consider myself someone who believes in fortune telling, but she caught my attention and said I needed her help. Out of curiosity, I walked in. Keeping Myself Grounded Before going in, I had a lozenge, half joking, half serious, just to keep myself alert in case I lost my mentality or got scammed. It was my small way of staying grounded. What the Fortune Teller Said She...

A Broad Pullback Across Assets There’s no denying it, the pullback is real and it’s broad. Gold, silver, and crypto have all come off their recent highs. Bitcoin dropping below USD 80,000 on 1 Feb 2026 has definitely shaken some confidence and stirred up plenty of noise. This kind of environment usually brings out two extremes: panic sellers on one side, and aggressive “buy everything” calls on the other. I’m choosing neither. Why I’m Nibbling a Little More BTC I’m not backing up the truck, but I am nibbling. Bitcoin remains my preferred hedge in this landscape. It’s liquid, portable, and easy to size up or down. More importantly, BTC fits how I think about long-term protection against monetary debasement and systemic risk. This pullback doesn’t change the core thesis for me. Volatility is the price of admission, and periods like this are exactly when small, disciplined adds make sense, not emotional all-in moves. Everyone Is Shouting “Buy Physical Gold and Silver” I see it ever...