Video: How I manage my money as a 90s kid in Singapore

Managing personal finances can feel like a never-ending puzzle for young professionals.

From budgeting, saving, and investing, to figuring out insurance, it’s no wonder many feel stuck or overwhelmed.

In this video, I share my success and mistakes when it comes to personal finance as a young working professional.

I hope that this will be relatable to people who are around my age

This video was inspired by a relatable Reddit post I chanced upon that highlights the challenges of juggling so many moving parts.

Here is a breakdown

1:34 Why income matters the most in your 20s and 30s and drawing inspiration from Warren Buffett and Charlie Munger’s advjce

5:45 What I wish I did earlier in my career to not leave money on the table

6:54 A practical approach to take the stress out of budgeting and saving

9:52 What I am willing to spend on

10:54 How I approach investing - a boring simple method

14:05 An underrated aspect of life that influences your personal finance

On the recent bull market

Written by Steady Compounding: “I’ve been reading up on Tulip Mania, and it’s fascinating not just because of how absurd the prices became but also because it happened without the kind of rapid information distribution we have today—no social media, no radio, nothing.

Yet, despite the lack of modern communication tools, some tulips were sold for prices equivalent to a house or even 10 times the annual salary of a skilled worker.

The mania lasted for around three years, fuelled by FOMO and seductive narratives that convinced people prices could only keep going up—no matter how irrational it all sounded.

This is a common thread across all speculative bubbles in history.

Even more interesting is that investors trapped in bubbles rarely realize it.

They fight tooth and nail against the idea that the entire narrative propping up their investments could collapse, taking prices down with it—just like a house of cards.

In these cases, it’s not fundamentals like free cash flow that support asset prices—it’s purely the narrative.

The only thing holding up the bubble is the hope that someone else will come along, willing to pay even more.

Today, Peanut the Squirrel's coin is worth $1.2b, Dogecoin is worth $66.2b, and Pepe is worth $9.4b.

History rarely repeats itself, but it often rhymes."

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