Sunday, February 15, 2026

Ben’s Life System: From "Credit Gate" to "Exemption Power"

 

(The "Why" Behind Extracting Certainty from Randomness)

Opening: The Evidence Chain of a 40-Year Journey

In 1991, I stood before a gate in Malacca that read "Credit Gate" (赊钱门) and took a photo. I was 24, a young man at NEC Semiconductors who knew nothing about investing.

Two years later, I bought my first stock, those were the discounted Singtel shares I bought.

Twenty-five years later, I ceased to "sell" my time for survival.

Many years after that, a sparrow flew into my kitchen. Looking at its effortless freedom, I realized my life’s work wasn't about accumulating wealth. It was about lowering the pressure to participate in a mandatory social system. This white paper is the "Source Code" of how I achieved that exemption.

Part I: Poetic Metaphors & The Soul of the OS

Before the math, there was the "Awareness."

  • The "Credit Gate" Prophecy (1991): My 25-year plan was essentially "borrowing" time from my youth to buy back the ownership of my future.

  • External Discernment: I avoided career and financial landmines not by calculation alone, but by leveraging my family's "external awareness" to know when to walk away.

  • The Sparrow Signal: A symbol of a system that is light, agile, and autonomous—proof that certainty can be extracted from a random world.

Part II: Deterministic Module Breakdown (The Components)

The blocks used to build a life where "Exit Pressure" is zero.

  • Skill Evolution (1984–2025): A continuous recalibration from ITE Electrical Engineering to a 2025 Specialist Diploma in Applied Generative AI. This ensures my "Human Capital" remains an asset, not a liability.

  • The SGD 667 Engine: By locking monthly survival costs at a low energy state, I decoupled my happiness from my net worth.

  • The 15% Buffer: A cash safety net that turns "market volatility" into "visible, tolerable data".

Part III: System Operating Algorithms (The Formulas)

How the components harmonize into a repeatable algorithm.

  • The Mastery Formula

    Life Mastery = {Total Portfolio Yield (5.61\%) \times Skill Evolution Chain (Python/AI)} / {Low Energy Expenditure (SGD 667) x Risk Buffer (15\% Cash)}

  • The Autonomy Multiplier

    Life Autonomy = (Deterministic Modules) x Time

    • The Inversion: Most people use time to chase money; I used a system to "stop the clock," allowing time to work as a byproduct of my security.

Part IV: Open Source Declaration

Money is infinite; life-time is finite.

I am open-sourcing this 40-year "White-Boxed" logic to prove that by shifting from "seeking returns" to "managing certainty," anyone can reclaim their life's sovereignty.

For more information, please visit my rednote ID：9486320864

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Ben 的生命经营系统：从“赊钱门”到“豁免权”


（从随机中提取确定性的底层逻辑）

开篇：一段跨越 40 年的证据链

1991 年，我在马六甲一扇写着“赊钱门”的门前拍了一张照片。那年我 24 岁，在 NEC Semiconductors 工作，对投资一窍不通。

两年后，我买了人生第一支股票，那是我买入的打折新加坡电信股票。

二十五年后，我不再需要为了生存而“出卖”时间。

又过了很多年，一只麻雀飞进了我的厨房。看着它那轻盈、自由的状态，我才猛然意识到：我这辈子一直在做的，其实不是赚钱，而是在不断降低必须参与社会系统的压力。

这份白皮书，就是我实现这种“自由豁免权”的全部底层源码。

第一部分：诗意隐喻与系统之魂 (The Soul of the OS)

在公式之外，是关于“觉知”的力量。

  • “赊钱门”的预言 (1991)：我的 25 年计划本质上是向年轻的自己“赊”时间，用来买断未来的生命所有权。

  • 外部觉识力：我之所以能避开职业与财务的陷阱，不单靠计算，更靠家人的“觉识力”——这种外部校验机制让我知道何时该抽身离场。

  • 麻雀信号：它是系统轻盈、敏捷且自主的象征。它证明了在随机的世界里，我们真的可以提取出确定性的生活信号。

第二部分：确定性模块拆解 (The Components)

这些是构建“退出压力为零”状态的砖块。

  • 技能演化链 (1984–2025)：从 ITE 电机工程到 2025 年应用生成式 AI 专科证书的持续校准。这确保了我的“人力资本”始终是资产而非负债。

  • SGD 667 低能耗引擎：通过将月度生存成本锁定在极低状态，我实现了幸福感与资产净值的彻底脱钩。

  • 15% 现金缓冲：这层安全垫将“市场波动”转化成了“可见、可控、可重复”的数字，消除了焦虑。

第三部分：系统经营算法 (The Formulas)

当模块协同工作时，会自动涌现出这套算法。

  • 工程架构公式 (Mastery Formula)

    生命掌控力 = {投资组合总收益 (5.61%) x 技能演化链 (Python/AI)} / {低能耗支出 (SGD 667) x 风险缓冲 (15% 现金)}

  • 自主乘数公式 (The Autonomy Multiplier)

    生命自主 = (确定性模块之和) x 时间

    • 逻辑倒置：大多数人用时间追逐金钱；我用系统锁定安全，从而“停掉”闹钟，让时间成为安全系统的副产品。

第四部分：开源宣言 (Open Source Declaration)

金钱是无限的，生命时间是有限的。

我将这套运行了 40 年的“白盒化”逻辑开源，是为了证明：只要将重心从“追求回报”转向“经营确定性”，任何人都能夺回生命的自主权。

更多信息请访问我的小红书 ID：9486320864
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Monday, December 29, 2025

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.

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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。

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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.

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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。

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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 1100ml 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.

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