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.
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