Chills with TFC

He failed his startup. Lay awake at night convinced he'd ruined his financial future. Ten years later, he's sitting on a $4 million portfolio.

Meet FIREPath Lion, the pseudonymous Singaporean blogger who shares everything most personal finance creators won't: his exact salary, every bonus, every investment, every number on the way to FIRE. No gurus, no day-trading, no genius stock picks. Just Bogleheads-style passive investing, aggressive saving, and a brutal honesty about what failure taught him.

FIREPath Lion breaks down how he climbed back from broke, why he believes the 4% rule changed his life, and the difference between his personal FIRE number ($3.7M) and his family's ($6-7M).

If you've ever wondered whether FIRE is real or just internet talk — this is the receipt.

Watch the full episode on YouTube.

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🎧 The Financial Coconut:

Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.

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The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.

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Most people want to get rich faster.

But what if the smarter move, especially in your 20s and 30s, is not squeezing every dollar out of a tiny portfolio?

For busy professionals, wealth accumulation may start with something less sexy but far more powerful: growing your income, managing your spending, and consistently investing the difference.

Chris How (semi-retired, founder of retireby50.me), Chris Chong (45K-sub FIRE YouTuber, ex-accountant), and Chris Ng (engineer-turned-CFA) break down what has aged badly in the investing world, from crypto hype to thematic funds, blind loyalty to jobs, and even over-reliance on one strategy. They also discuss robo-advisors, brokers, CPF, RSPs, dynamic RSPs, and why every platform has its own incentive.

Don’t just ask “what gives the highest returns?”

Ask: “What game am I actually playing, and does this strategy fit my life?”

Invest smarter with Webull’s Dynamic Regular Savings Plan (RSP) — the first and only solution of its kind in Singapore.

Designed to automate your investment journey in a smarter way, Dynamic RSP helps you invest more when prices are lower and less when prices are higher, taking the guesswork out of building long-term wealth.

Plus, enjoy zero fee investing for US stocks and ETFs with Webull. No platform fees, no commissions. Open an account now: https://www.webull.com.sg/k/thefinancialcoconut

Disclaimer:

This video contains paid advertising by Webull Securities (Singapore) Pte. Ltd.

("Webull"). The views and opinions expressed are those of the speaker and do not

necessarily represent the views of Webull. No content should be construed as

investment advice or recommendation, or an offer or solicitation, to deal in any

investment product. All investments involve risk and may not be suitable for

every investor. This advertisement has not been reviewed by the Monetary

Authority of Singapore.

---

🎧 The Financial Coconut:

Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.

Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut

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Your “global” portfolio might not be as global as you think. Many investors buy a world index believing they are diversified across the planet. But if a large chunk of that exposure is still concentrated in the US, and especially in US tech, are you really spreading your risk? Reggie flew to Paris for the Amundi World Investment Forum and sat with Guy Stear, Head of Developed Markets Strategy, Amundi Investment Institute, to unpack what comes next. The hot take from one of Europe's largest asset managers: the next leg of AI won't be electrical engineering in Silicon Valley - it'll be the physical world. Drones cleaning skyscrapers. Robots in factories. Mechanical engineering. The countries good at this aren't the ones already trading at 90x sales. This conversation from the Amundi World Investment Forum in Paris pushes investors to rethink what diversification actually means today. For Singapore investors, the big question is simple: are you actively choosing your exposure, or are you just accepting the default? hear about the Nokia lesson, the US-China fragmentation reality, and how a Singapore investor should actually build three diversification blocks. Geopolitics, central banks, ETFs. Learn more about Amundi: https://about.amundi.com/

Disclaimer :

This publication is a paid collaboration between The Financial Coconut (Company

Registration No. 202012201Z) and Amundi Asset Management, Société par Actions

Simplifiée - SAS with capital of €1,143,615,555 - Approved portfolio management company

by the AMF no. GP04000036 – Registered office: 91-93 boulevard Pasteur, 75015 Paris,

France - 437 574 452RCS Paris. This publication is published in Singapore by The Financial

Coconut and Amundi Singapore Limited (Company Registration No. 198900774E). Amundi

Singapore Limited is licensed and regulated by the Monetary Authority of Singapore.

This publication is for information purposes only, is not a recommendation, financial analysis

or an investment advice and does not constitute a solicitation, invitation or offer to purchase

or sell any product. The information contained in this publication is intended for general

circulation without taking into account the specific investment objectives, financial situation

or particular needs of any particular person.

The information contained in this publication is as at 12 June 2026 except where otherwise

stated. The information contained in this publication has been obtained from sources

believed to be reliable but has not been independently verified, although Amundi and its

affiliated companies (collectively “Amundi”) believe it to be fair and not misleading. Opinions

expressed in this publication are subject to change without notice. Amundi does not accept

liability whatsoever whether direct or indirect that may arise from the use of information

contained in this publication.

Past performance and any forecasts made are not necessarily indicative of the future

results. Any forecast, projection or target is indicative only and is not guaranteed in any

way. All investments involve risks and the amount received from such investments may be

less than the original invested amount.

This publication is solely for issue in permitted jurisdictions and to persons who may receive

it without breaching applicable legal or regulatory requirements. The information contained in

this publication shall not, without prior written approval of Amundi Singapore Limited, be

copied, reproduced, modified, or distributed, to any third person or entity in any country.

This publication is not for distribution and does not constitute an offer to sell or the

solicitation of any offer to buy any securities or services in the United States or in any of its

territories or possessions subject to its jurisdiction to or for the benefit of any U.S. Person (as

this term is defined in SEC Regulation S under the U.S. Securities Act of 1933).

This advertisement or publication has not been reviewed by the Monetary Authority of

Singapore.

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Why are more Singaporeans investing overseas instead of at home?

In this episode of Chills with TFC, Reggie sits down with Louis and Jameis to unpack what it would really take to make Singapore’s stock market more vibrant again.

The conversation goes beyond returns. It looks at the deeper issues behind the SGX, from company fundamentals and corporate governance, to liquidity, retail participation, and whether stronger local capital support could help create a healthier market.

Singapore has built itself into a trusted global financial centre. But when younger investors think about equities today, many look first to the United States, not Singapore. So the question is not just whether the local market can recover, but what must change for investors to believe in it again.

Should Temasek play a bigger role? Should CPF investment frameworks include more Singapore exposure? Can better disclosure rebuild confidence?

Watch the full conversation and tell us: would you invest more in Singapore stocks if the market became more active?

#TheFinancialCoconut #ChillsWithTFC #SingaporeStocks

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🎧 The Financial Coconut:

Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.

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⚠️ Disclaimer:

The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.

Learn about our event

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Would you move back to Singapore if your salary doubled?

For some Singaporeans living in Paris, the answer is not as obvious as we think.

Yes, France comes with higher taxes, strikes, smaller apartments, language barriers, and a very different pace of life. But the trade-off is also real: stronger healthcare coverage, more holidays, cheaper schooling, employee benefits, unemployment support, and a lifestyle where money is not always the only scoreboard.

This conversation goes beyond the usual “Paris is romantic” fantasy. It looks at what life actually feels like when you compare salary, stress, family life, medical anxiety, work-life balance, and the cost of simply existing in two very different systems.

Maybe the bigger question is not “Where can I earn more?”

Maybe it is: “Where can I live better?”

Would you trade a higher salary for a better quality of life?

Invest smarter with Webull’s Dynamic Regular Savings Plan (RSP) — the first and only solution of its kind in Singapore.

Designed to automate your investment journey in a smarter way, Dynamic RSP helps you invest more when prices are lower and less when prices are higher, taking the guesswork out of building long-term wealth.

Plus, enjoy zero fee investing for US stocks and ETFs with Webull. No platform fees, no commissions. Open an account now: https://www.webull.com.sg/k/thefinancialcoconut

Disclaimer: 

All investments involve risk and may not be suitable for every investor. This advertisement has not been reviewed by the Monetary Authority of Singapore.

---

🎧 The Financial Coconut:

Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.

Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut

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⚠️ Disclaimer:

The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.

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We spend a lot of time talking about wealth strategies, career moves, investing, business, and personal growth.

But what if some outcomes are shaped not just by effort, but also by timing, environment, and the patterns we keep repeating?

Dawn, SG BudgetBabe and Anthony sit down with Grandmaster David from Imperial Harvest to explore a different lens on success: Ba Zi, Imperial Feng Shui, luck cycles, AI, decision-making, and whether people can shift their outcomes when they feel stuck.

We discuss why some people seem talented but still face repeated roadblocks, whether AI can replace traditional metaphysics readings, why “wealth stars” may be misunderstood, and how tools like Ba Zi and Qi Men are used by some people to think through career, business, and life decisions.

Whether you are a believer, skeptic, or just curious, this conversation is less about blind belief - and more about asking: how much of success is hard work, how much is timing, and how much can we actually influence?

Would you ever consult a feng shui master before making a major life or money decision?

If this conversation made you think about your own patterns, timing, or “wealth ceiling,” you can explore Imperial Harvest’s work and resources here: https://imperialharvest.com/

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🎧 The Financial Coconut:

Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.

Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut

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⚠️ Disclaimer:

The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.

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Three Singaporean software engineers. One target: $30,000 monthly recurring revenue. One end goal: retire in Chiang Mai.

Meet the Jobless Club — Sean, Joseph, and Jonas — a trio of full-time engineers spending their nights and weekends building side businesses that could free them from the corporate grind. Their bet against the lone-wolf indie hacker model? Three founders are more sustainable than one. They've already turned a knife sharpening side hustle into S$16K in revenue, killed off projects that didn't pay (a Be Real-style Telegram bot, an NUS matching tool), and built a quarterly framework that splits real work from real fun.

Reggie sits down with two of the three to break down their playbook: how they pick projects, when they kill them, why they meet weekly, and what "jobless" actually means when you're working harder than ever.

If you've ever fantasised about quitting your day job — this is what disciplined escape looks like.

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🎧 The Financial Coconut:

Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.

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The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.

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Singapore loves the story of social mobility. But behind the headlines, there's a quieter story: poverty is often an entrenched social class, and very few people actually climb out of it.

Syainda Abdul was one of them.

At 17 she was changing diapers. Married into an abusive relationship. Living in rental flats. Surviving on $900/month ComCare aid with $1,200 in expenses, and using $20 of that aid to buy a Canva subscription so she could cold-call companies and hustle freelance design gigs.

Today? She works at a global bank. She's part of the middle class. And she's running another race.

Reggie sits with Syainda to unpack what "exiting poverty" actually looks like, the elusive ladder of government support, the role of charities like Babes, lifestyle creep after the climb, lifelong financial blindspots from growing up poor, and the strange mix of delusion and practicality it takes to believe you can break out when nothing around you suggests it's possible.

This is the real, unfiltered version of social mobility. Listen to the whole thing.

#ExitingPoverty #SocialMobility #Singapore #SingleMum #TheFinancialCoconut

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🎧 The Financial Coconut:

Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.

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Two helpers. Two drivers. Two cars. That was middle class life back home for our guests in KL, Jakarta, and Hong Kong. So why on earth did they choose to leave it behind for a 4-room HDB and the MRT?

Sit down with Shen, Music Programme Director, Mickey Salim, and Theros, Founder, Yinvest.co to unpack the viral IG post comparing middle class life across ASEAN. They get into the painful trade-offs: cheap drivers and lower living costs back home vs reliable healthcare, public transport, and shorter commutes here. They dig into the unspoken comparison Tetris with neighbours and church friends, the kids in tuition until 11pm, and what "middle class comfort" actually looks like in 2026 Singapore.

If you've ever felt the grind and wondered if it's worth it, this one's for you. Drop your home country's version of middle class in the comments.

#TheFinancialCoconut #ChillswithTFC #MiddleClass #ASEAN #SingaporeLife

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🎧 The Financial Coconut:

Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.

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The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.

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What do you do when the job market is trash and you’ve got a Masters degree but zero interest in a cubicle? You hitchhike to Thailand, obviously.

Hear from Yihui and Jake, two 'crazy guys' who went viral for hitchhiking from Singapore all the way to Krabi. But this isn't just a travel vlog, it’s a deep dive into the 'Fun Employed' lifestyle.

We’re talking about the reality of 'unemployment maxing,' the pressure of seeing your peers get married and buy BTOs while you’re volunteering on a potato farm, and whether 'brand name' internships actually matter when the world is falling apart.

Unpack:

• How do you actually hitchhike across borders in 2024?
• Is taking a year off a brilliant move or a career suicide?
• Dealing with the 'FOMO' of seeing friends move on with 'adult' life.
• The Scholarship loophole
• Why one of them is finally looking for a job while the other is still chasing the next adventure.

If you’ve ever felt like quitting your job to go see the world, this is the reality check (and the inspiration) you need.

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🎧 The Financial Coconut:

Your weekly source for empowering financial knowledge and unlocking possibilities. We explore personal finance, investing, and entrepreneurship to help you build a richer life. Join us as we explore personal finance, investing and more.

Get ready to take control of your financial future and live your best life, financially wise: https://linkin.bio/thefinancialcoconut

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⚠️ Disclaimer:

The content discussed in this episode is intended for educational purposes only and should not be considered as financial advice. The information provided is based on our understanding at the time of recording and may not reflect the current regulations or market conditions. The opinions expressed by guests are their own and do not necessarily represent those of The Financial Coconut. Please do your due diligence before making any investment or financial decisions.

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