Choosing Positivity, Happiness, Freedom and Long Term Living

My wife often chuckles, smiles and sometimes just heave a sigh whenever I speak about choosing positivity, happiness, freedom and long term living, which is quite a lot and quite often.

Especially long term living, as I often say this phrase

"We're in transition."

zoomed-out large perspectives

There is a significant difference when we focus on:

  • Positivity
  • Happiness
  • Freedom
  • Long Term Living

Positivity is a combination of moving away from negative people/stuff (whenever possible/as often as possible), as well and moving closer towards people, things and stuff that inspire, renew, revisit and keep positivity in my life. 

Happiness is moving and keeping things that bring joy and smiles to my life, and it needs to be positive and principle-driven.

Freedom is the ability to have options, and to choose between alternatives and scenarios. I would HATE to have no options in life, business, investments etc. I also want full financial security and freedom, in which I have assets that are resilient, and provide more than enough for what we need, ever.

Long Term Living is to look at life, business, family, finances, people, relationships, investments in a large, zoomed out perspective, and choosing what that brings me most positivity, happiness and freedom over the long, long term.

it's not for everyone

Some people cant live like this, because either they can't stand the ambiguity or openness or the non-busy-ness (some people like to keep busy).

Majority of the people I know live quite locked-in, bonded lives - think of 30 year mortgages (which they renew and restart each time they want to "upgrade their lifestyle"), 5-10 year loans for cars and stuff that they buy. And to afford these stuff, they stay to a job that they may not like and work with people they may hate.

But most of the world and people do that.

99% of people doing something doesn't mean it's right. That just means it's commonplace and popular.

I...dont want that.

What makes me happy, is also the quality of life I have, and that is derived and heavily influenced by

  • Positivity
  • Happiness
  • Freedom
  • Long Term Living

At least to me - and this is highly personal and may differ from individual to individuals.

That is why I move towards learning, testing, experimenting, investing and trying:

gearing towards passive income

A few years ago, I think just after my father passed away in 2014, I decided in my heart and mind that I want and will gear my businesses and investments around passive income.

You can read that article here: Gearing towards passive income.

That article applies still today, it's like I wrote it just yesterday.

The reason why I believe in gearing and building multiple streams of passive income is heavily influence in the "freedom" part of this article. To me, if I have multiple streams of passive income (which I do today, a good amount but not enough), and keep my costs as low as possible (which we do today as a family), then when our passive income is more than our expenses, we can then say that we are financially secure.

Financial security to me, means that my passive income is enough to cover our living expenses.

Financial freedom then, to me, means that our passive income is many, many times more than enough to cover our living and annual expenses, and where money will not be a problem again.

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SGD 2,000,000 invested in dividend stocks with average 5% returns per annum by 45

SGD 2,000,000 in cryptocurrency

Owning, affording and living in a landed property in Singapore (or relocated to another country without worry of money) by 40

Publish at least one book by 40 years old

Online businesses serve readers and clients well (ie readers make more money, have happier/freer life etc), and website makes SGD 10,000 per month

Ongoing: spend more quality time with children, wife, family, bible, God.