Professional Analysis: The Engineering Logic of the "SGD 667" Lifestyle Asset

 

1. Financial Infrastructure and Resource Optimization (The Facility Management Mindset)

• Systemic Energy Efficiency: Drawing from extensive experience in Air Conditioning, Refrigeration, and Facility Management, the author treats the home as a closed-loop system requiring maximum energy efficiency. By resolutely avoiding the installation of water heaters and minimizing AC usage, the author achieves extreme resource optimization.

• Precision Data Governance: Applying engineering-grade data tracking, the author has utilized Google Sheets since retiring on March 1, 2024, to monitor every expenditure with surgical precision.

• Visualized Financial Metrics: The monthly budget of SGD 667.33 is rigorously analyzed via pie charts to ensure it remains at a low-risk threshold of 29.73% of passive income.

• Global Supply Chain Integration: The author manages household inventory through a strategic "Global Sourcing Model," utilizing Taobao/Pinduoduo for cost arbitrage on dry nutrients and local networks (FairPrice/Sheng Siong) for fresh perishables.

2. Precision Process Engineering in Nutrition (The Electronic Engineering Approach)

• Mathematical Fluid Dynamics: The water ratio for the "Power Bowl" is not arbitrary but a mathematically calculated 1200ml, ensuring the perfect hydration and silky texture of the added powders.

• Thermodynamic Control (SOP): Adhering to strict laboratory-style temperature parameters, heat-sensitive additives like Chia Seed Powder and Nutritional Yeast are only introduced when the porridge has cooled to between 50°C and 60°C to protect the bio-activity of Omega-3s and B-Vitamins.

• Just-In-Time (JIT) Freshness Rule: To maximize nutrient bioavailability, a strict "Same-Day" rule is applied, requiring 200g of fresh Kai Lan to be purchased and cooked within the same 24-hour cycle.

• Quantitative Recipe Standardization: Each meal is a result of standardized inputs—50g Mung Beans, 20g Millet, 100g Sweet Potato—designed specifically to counteract the metabolic side effects of long-term 1mg Risperidone usage.

3. Risk Assessment and Strategic Autonomy

• Insurance Portfolio Optimization: Utilizing professional risk assessment skills, the author opted to decline all private commercial insurance, choosing instead to rely on the national MediShield Life framework.

• Capital Reallocation: This decision functions as a strategic reallocation of capital, diverting funds from insurance premiums back into a high-growth investment portfolio (Unit Trusts and SSBs) to enhance independent cash flow.

生活工程学：专业背景对极致优化的影响

 

1. 财务系统的设施管理 (Financial Facility Management)

• 能源效率与资源优化： 作者利用其在空调、制冷及电力系统方面的背景，通过取消热水器、极简使用空调和手洗衣物，将能源消耗降至极致。

• 精密数据治理： 将个人财务视为工程项目，利用 Google Sheets 进行数据采集与可视化，确保支出控制在被动收入的 29.73% 这一安全阈值内。

• 全球供应链集成： 利用淘宝、Lazada、FairPrice 等平台建立起一套高性价比的“跨境耗材供应体系”，实现生活成本的精算与套利。

2. 营养摄入的精准工艺 (Precision Nutritional Engineering)

• 热力学控制： 在烹饪全营养粥时，严格遵循温度降至 50-60°C 之后才添加活性营养素的“操作流程（SOP）”，以保护 Omega-3 和维生素 B 族的活性。

• 配方标准化： 采用 1200ml 水、200g 芥兰等精确到克数的配方，确保营养密度的稳定性，用以对抗 1mg 利培酮 带来的长期副作用。

• 实时交付逻辑 (JIT Strategy)： 坚持“当天购、当天煮”的规则，将食材的生物利用度（Bioavailability）视为系统输出的核心指标。

3. 风险管理的独立研判 (Independent Risk Assessment)

• 社会保障优化： 凭借长期的专业风险评估训练，果断放弃商业私险，转而利用国家 MediShield Life 作为基础保障。

• 资本再分配： 这种决策实际上是进行了一次“资产重组”，将保费支出转化为生产性资产（如 DBS 零售单位信托等），使总资产增值并回馈生活。

Strategic Retirement & Health Engineering: A Professional Case Study from Singapore

 

1. Professional & Educational Foundations

• Technical Expertise: A career spanning decades in high-precision industries, including ST Aerospace Engines, Singapore Technologies Electronics, and APM Property Management.

• Continuous Learning: Holder of multiple technical qualifications from Ngee Ann Polytechnic, culminating in a Specialist Diploma in Applied Generative AI (Class of 2025).

• Practical Mastery: Previous specialized training in Facility Management, Electronic & Computer Engineering, and Air Conditioning & Refrigeration underpins a lifestyle of extreme resource optimization.

2. Financial Architecture & Passive Income

• Tax-Free Transition: Successfully shifted from active work income to a 100% tax-free passive income stream upon retiring on March 1, 2024.

• August 2025 Financial Snapshot: Total monthly expenditure maintained at SGD 667.33, representing only 29.73% of monthly passive income.

• Portfolio Strategy: Income is generated through Unit Trusts, high-dividend stocks, and Singapore Government Bonds (SSBs), with 43% of annual income reinvested into DBS retail unit trusts for growth.

• Insurance Philosophy: Based on professional risk assessment, refused all private insurance, relying solely on the national MediShield Life framework to maximize investable cash flow.

3. Nutritional Engineering & Lifestyle

• Medical Necessity: Rigorous dietary management to counteract the metabolic side effects of long-term 1mg Risperidone use and to manage Glaucoma.

• The "Same-Day" Freshness Rule: 200g of fresh Kai Lan must be purchased and cooked on the same day to ensure peak bioavailability of nutrients.

• Resource Minimalism: Lives with a younger sister in a self-owned flat (no rent); no water heater or washing machine installed; clothes are exclusively hand-washed.

从技术人员到 AI 生活架构师：我在新加坡的 SGD 667 退休实战全记录

 1. 专业背景与职业积淀

• 工程背景： 曾任职于 ST Aerospace Engines（新科航太动力）、新加坡科技电子及 APM 物业管理等专业机构，拥有数十年的设施管理与技术经验。

• 终身学习： 义安理工学院资深校友，拥有电子、空调制冷及设施管理等多项专业文凭，并于 2025 年取得 应用生成式人工智能 (SDGAI) 专科文凭。

2. 财务架构与被动收入逻辑

• 财务转型： 2024 年 3 月 1 日正式退休，成功将收入结构转化为完全免税的被动收入。

• 2025 年 8 月账单： 月开支精准控制在 SGD 667.33，仅占被动收入的 29.73%。

• 保险决策： 拒绝所有商业私险，仅依靠国家 MediShield Life（终身健保）。通过自主承担风险，将保费转化为投资本金，增强现金流。

3. “教科书级”营养与极简生活

• 健康自救： 针对长期服用 1mg 利培酮 带来的代谢压力及青光眼挑战，实施严苛的营养干预。

• 烹饪工艺： 坚持 1200ml 精准控水，200g 芥兰当天购、当天煮。熄火降温后加入奇亚籽粉、营养酵母与橄榄油，保护生物活性。

• 极致极简： 与妹妹同住自持房产（免房租）；坚决不装热水器，坚持手洗衣物，将资源消耗降至最低。

SGD 667 Home Practice: Engineering a "Textbook Level" Whole-Food Plant-Based (WFPB) Porridge

 

Source Material:

• The Objective: To combat the metabolic side effects of long-term 1mg Risperidone medication and glaucoma on one eye through a rigorous, nutrient-dense diet on a budget of SGD 667/month in Singapore.

• The "Golden Triangle" Supply Chain:

  • Taobao (China): Sourcing high-quality Ruojiang Red Dates (for natural sweetness and iron) and Fine Chia Seed Powder (for Omega-3 fatty acids).

  • Lazada/Shopee: International sourcing for Nutritional Yeast (Vitamin B-complex).

  • Sheng Siong/FairPrice (Local): Olive Oil, Fresh Kai Lan (200g Bought fresh and cooked on the same day), Sweet Potatoes, Mung Beans, and Millet.

• The Scientific Recipe (The "Power Bowl"):

  1. Base (The Cleanse): 50g Mung beans and 20g Millet. Mung beans provide high-quality plant protein and detoxifying properties.

  2. Flavor & Nutrition: 5 pitted Ruojiang Red Dates. Provides natural sweetness, eliminating the need for refined sugar.

  3. Low-GI Carbs: 100g Sweet Potato and 1 Cob of Corn. These provide resistant starch and steady energy levels.

  4. Micronutrient Explosion: 200g Fresh Kai Lan, blanched and added between 50 to 60 degrees to preserve Vitamin C and Chlorophyll.

  5. The AI-Optimized Finish: 1 tbsp Chia Seed Powder, 1 tbsp Nutritional Yeast, and 1 tsp Olive Oil. Crucial Step: These are added only after the porridge has cooled between 50 to 60 degrees to protect heat-sensitive Omega-3s and B vitamins.

• Key Insight: The 1200ml water ratio is mathematically calculated to ensure the Chia Seed powder hydrates perfectly, creating a silky "melt-in-the-mouth" texture without being too thick.

• Economic Impact: A "Textbook Level" meal costing only ~SGD 3.50, far superior in nutritional density compared to SGD 15 salads in the CBD.

SGD 667 居家实战：如何打造一份“教科书级”全植物全食物营养粥？

 

核心内容：

• 医疗背景与健康挑战 :

  • 药物副作用管理： 长期服用 1mg 利培酮 需严格饮食管理以对冲其代谢压力。

  • 视力保护： 针对一只眼睛患上青光眼，避免另一只眼睛也有同样的问题，利用 SDGAI（义安理工学院应用生成式 AI） 课程所学和退休后的时间，将健康方案数字化、系统化。

• 全球供应链策略（跨境套利）：

  • 淘宝： 这里的“若羌红枣”和“超细奇亚籽粉”性价比极高，且新鲜，是本地超市难以替代的营养核心。

  • 本地超市： 要煮的当天清晨去FairPrice或昇菘购买 200g 新鲜芥兰，确保叶绿素和维生素 C 的最大活性。

• 烹饪工艺流程：

  • 第一步（底料）： 绿豆（清热解毒），小米（养胃）打底，并加入 5 颗撕碎的若羌红枣，利用果糖代替精制糖（天然调味）加水一起煮30分钟。

  • 第二步（扎实碳水）： 玉米蒸10分钟与番薯切片蒸15分钟提供长效饱腹感。玉米需要10分钟取出，让它自然冷却15分钟，之后玉米切粒。

  • 第三步（活性保护）：熄火降温冷却大约两小时后，将 200g 芥兰焯水，之后剪碎。在烹饪的最后阶段加入，是为了最大程度保持其叶绿素和维生素 C 的活性，避免长时间高温加热导致营养流失。

  • 第四步（灵魂添加）：熄火降温冷却大约两小时后，继续加入奇亚籽粉，营养酵母和橄榄油。这是**“SDGAI 式严谨”**的体现——保护不耐高温的 Omega-3 和 B 族维生素。

• 生活感悟： 1200ml 的水不是随意的，它是奇亚籽粉完美膨胀、产生丝滑口感的最佳比例。这不仅是一顿饭，是我对抗疾病副作用、管理健康的数字资产。

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The "SGD 667" Strategic Retirement Model in Singapore

 

Source Material:

• Income Transition: Officially retired on March 1, 2024 (age 57), successfully transitioning from work income to tax-free passive income.

• Medical Background & Health Imperative :

  • Managing Side Effects: As a long-term user of 1mg Risperidone, I must proactively combat its metabolic side effects (appetite changes, weight gain risk) through a "Textbook Level" diet.

  • Visual Health: Managing Glaucoma requires a high intake of antioxidants and precise nutrient management.

  • Digital Transformation: I used a grant from SkillsFuture to return to Ngee Ann Polytechnic to study SDGAI (Ngee Ann Polytechnic Applied Generative AI). Leveraging my on SDGAI (Graduated Sept 2025), I digitized my health management into a systematic "Digital Asset".

• August 2025 Financial Snapshot: Total monthly expenses controlled at SGD 667.33.

  • Strategic Sourcing: 37.3% spent at NTUC FairPrice, 13.5% at Lazada, and 6.5% at Sheng Siong.

  • E-commerce Optimization: Leveraged Taobao (6.9%), Pinduoduo (4.2%), and Shopee (3.4%) to source high-value nutritional supplies.

• Radical Minimalism:

  • Energy Efficiency: Resolutely avoided installing a water heater and rarely uses the air conditioner to conserve electricity.

  • Manual Labor: Clothes are washed by hand; no washing machine is owned or planned for purchase.

• Insurance & Risk Management Philosophy

  • Private Insurance Rejection: Before retirement, I conducted a personal risk assessment and made a conscious decision to refuse any private insurance packages.

  • National Security Net: I rely on the national MediShield Life insurance for fundamental medical coverage.

  • Financial Autonomy: By choosing not to pay private premiums, I redirected those funds into my investment portfolio to ensure a higher cash flow, as this was a personal choice based on my own risk tolerance.

• Living Arrangement: Owns the house and lives with a sister (younger sister), benefiting from Singapore's "Home Ownership Scheme" to eliminate rent expenses.

• Portfolio Management:

  • Assets: Comprised of Unit Trusts, high-dividend stocks, and Singapore Government Bonds (SSBs), which passive income generated by these assets is completely tax-free in Singapore for individuals.

  • Sustainability: The SGD 667 expense represents only 29.73% of monthly passive income.

  • Growth: Reinvests 43% of annual passive income into DBS Bank retail unit trusts.

• Core Philosophy: "Increase income, reduce unnecessary expenses, and rapidly increase reliable investments".