About me

Do you ever feel like you were just thrown into adulthood? It’s almost like one day you’re still a full-time student and your only worry was getting a passing grade and if your favourite mala stall in the school canteen was open and… within the blink of an eye, you’re sitting at a desk in a dynamic, fast-paced environment staring at a mountain of documents all due before lunch.

You’re expected to hit the ground running. You’re expected to make the transition from full-time student to a full-fledged working adult without a hitch.

And maybe some people do. I mean, I figured it out. The alternative was crashing and burning, so you can say I was really damn motivated.

However, I noticed quickly that while some parts of adulting were quite intuitive, finance wasn’t. I first realized this when I had no idea how to pay my income taxes. I then made a string of mistakes such as investing into cryptocurrency without a sound strategy and not applying for a credit card despite meeting the criteria for over two years, opting to use my debit card instead.

A brief stint at a fintech made me painfully aware of how inadequate my finance knowledge was. Ever since then, I’ve been religiously researching and brushing up on my investing knowledge, among other things.

I also want peace of mind.

I have witnessed on multiple occasions my colleagues being laid off. I had never personally been on the receiving end before, but the frequency of these incidents and whispers of more lay-offs got me worrying about my own situation.

It’s not like I don’t have savings. But I’ve read plenty of horror stories from individuals who have not managed to find jobs even a year after being retrenched. They might be from different industries, but still. I can’t imagine how I’d feel if I was in their shoes, seeing my savings simply dwindle away day after day.

The harsh truth is that as long as you’re on someone’s payroll, you can’t say for sure that you have an iron-clad rice bowl. Anything can happen, no matter how valuable you think you are to the company.

And I absolutely detest uncertainty.

The only way out is to be self-sufficient. To either turn your side hustle into a full-time job where you’re the boss or amass so much wealth you can essentially retire and live off of it.

As I have the business acumen of a tableside lamp, I will be attempting to achieve financial freedom through the latter. And I figured since I’d be doing tons of research and tracking my own journey in detail, I might as well publish it online and (hopefully) monetize it at the same time.

So there you have it. SG Finance Guy was born.

P.S. while I intend to monetize this blog, you can rest assured that everything posted on here is 100% authentic. I will always stay true to myself, even if it’s a sponsored post. If I don’t think a product is good, I will lay it out bluntly. If I think it’s good, I will put my words where my mouth is and use it myself too.