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Sick of the 9-5, Backstabbing Colleagues & a Dead End Career — Or — Even the Vicious Cycle of 'Work Until You Die?'

Early Retirement Is No Longer Just a Pipe Dream for Most

Hi, I’m Christopher Ng Wai Chung, Straits Times Best Seller, author and owner of a popular financial site called Growing Your Tree of Prosperity. I also gained financial independence and retired at age 39.

In 2005, I wrote this book, Growing your Tree of Prosperity:

It became a Singapore Straits Times Best Seller, and it got featured in Me and My Money in the Sunday Times.

How Planning For Early Retirement Changed my Life

You’re probably here because you’re think of your future. Your retirement.

You see, if you’re like me, once a corporate 9-6 guy who worked in a dead-end IT job, who slogged away for hours in front of the computer, you can’t help but imagine what the rest of your life would be.

You’re also probably someone who got sold the Singaporean dream: study hard, work hard, get a good job.

When you graduated from University as a fresh graduate, you started your 9-5, taking the long MRT commutes to work daily, going home late, and slowly, something eats something away in you.

You find yourself in constant repetition. Your youth in your 20s, your 30s is slowly seeping away.

You start to wonder, when is this going to end?

You probably hear of friends working 80-100 hours per week, ‘brutal hours’ they call it, unprotected weekends, and essentially being a wage slave.

One of my friend who is in such a job commented that he’ll essentially be ‘out of shape, sleep deprived and single till his 30s’.

There’s no point in working like crazy if you’re just going to fall ill, contract heart disease, or some cancer by the time you turn 40. Retiring then just doesn’t make any sense. There’s also no point in sacrificing relationships, a happy marriage to work a 100-hour work week just because you want to ‘retire’.

You’re also worried about inflation, water price hikes in Singapore, and ‘work life balance’.

So what you need to do is to treat your financial independence and your own retirement like your own BUSINESS. Your own baby. Something you work hard in the name of a great cause: your freedom.

You don’t want to be in your late 20s, 30s or 40s regretting that you didn’t keep a tighter control of your finances. You don’t want to wish they you spent those early years saving and investing your money. Just like all my friends told me: Christopher, talk is cheap, it’ll hit you when you start planning for a family and buying a house.

To be young is to be foolish, to be old… that is to regret.

If you’re in your 30s or 40s,

The Bullshit advice about ‘Early Retirement’

So what do hear about commonly about saving, investing and retirement?

• You need to SAVE MORE!
• Investing is risky!
• Property is the best investment in Singapore!
• Let’s trade bitcoin!

The biggest misconception about retirement I hear from friends and family is that you have to scrimp every single cent. Forgo that Starbucks drink!

Winning the game of financial freedom isn’t about scrimping on everything and chalking up money in the bank. Why should you sacrifice your 20s, 30s, your youth, health and time just to retire early?

That’s not living.

Let’s say you want to get in shape to climb Mount Everest, it’s a lot more likely you’ll accomplish that goal in your 20s to 30s compared than you’re in 40s. I’ll show you how you can master the game of financial independence, have an early retirement by not sacrificing all of these once-in-a-lifetime adventure.

So I’m going to show you how I won the game of retirement by the age of 39 without sacrificing my weekends, overworking myself, still going binge watching Netflix, playing real time strategy games and RPGs.

I also helped clients and friends achieve the same goals as I did. I’ll introduce you to Jane Low, a dear friend of mine.

Jane lost 90% of her total worth. You see, life isn’t perfect, things such as relationships can go awry wrong. That’s just life. She lost her assets in a failed relationship, in a banquet deposit.

She confided in me and I recommended her my book. I passed it to her for free, no obligations. Little did I know that she used the concepts in my book to squeeze her hard earned savings from her bonuses year after year, and used my method to achieve:

The Misconceptions about Mastering Early Retirement for You

There are misconceptions about retiring early, such as: ‘you’ll be f*cking bored and won’t have people to talk to about your life as they’ll still be slogging out at work’.

That’s utter rubbish.

Over the years, I not only helped myself achieve financial freedom and ‘retired’ early but it also gave me the time and lifestyle freedom to pursue my interests: Law School in Singapore Management University (Cum Laude), a masters in applied finance from NUS, finished all three CFA examinations, and achieving my academic dreams.

Ultimately, retirement isn’t just about being able to travelling the world, spending time with your children or having a worry free lifestyle.

It’s also about pursuing hobbies, life goals that you held back because your finances, just weren’t right.