Q3 2025

 














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On... FIRE

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FIRE – Financial Independence Retire Early. The popularity of the movement is largely due to the efforts of Mr. Money Moustache. Of course, financial independence and early retirement is nothing new, I have (and many before me) been thinking about financial independence ever since I started working more than 10 years ago. I must admit by just thinking and without concrete actions, I am not there yet with this ‘FIRE’ thing. Mr Money Moustache retired at 30, therefore I’m definitely too old to beat that record. It won’t be possible for me to retire at 30 (although I consider myself semi-retired at this point); realistically financial independence in 15 to 20 years’ time would be a viable target. Financial independence and early retirement can mean a lot of different things to a lot of different people. For me, it would mean paying off our mortgage and to have enough in the nest egg generating passive income. So how much would I need? I would refer to the 25x Rule. Of course, circu...
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On... Trading as a Business (11/4/24)

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 You should invest like you're running a business. I have written about this  before . After running this business for 6 years plus, it is a good time to have a snapshot on where I am. Unfortunately, it is still Cashflow Negative but with a little bit of luck I might get to Cashflow Positive within the next few years. Some metrics to track a regular business is as follows ( modified for use in Trading ):- CAPEX:- Starting Capital OPEX:- Annual Capital Injection Cashflow:- Cumulative Net Cash  PnL:- Annual Profit or Loss
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On... the Short Cut

Punk 6529 had a Twitter thread titled " On Making It ". It is a good thread and something that I do think about from time to time. TLDR of the thread is as follows. Live can be divided into 5 levels financially. Level 1 is barely enough to survive. Level 2 is living paycheck to paycheck. Level 3 is living comfortably. Level 4 is Super Rich Level 5 is Nirvana. My personal opinion or net worth range that I apply is as follows. Level 1 - 0 to 1k$. Level 2 - 1k to 100k$. Level 3 - 100K to 10mil$. Level 4 - more than 10mil$. Level 5 is when you're happy with your net worth. This is a very special level because it is not defined by your net worth but defined by your own satisfaction. This is of course a very rough representation of what Punk 6529 is talking about. I have lived my life mostly in Level 3. Grew up in a Level 3 Family when I finally got a job and is pursuing my own career, I was mostly in Level 3. Early in my career, as an ambitious young man, I have considered tha...
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