Getting Ahead In Life

Starts with asking oneself better questions. Over the span of a couple of years spent working in the corporate sector and the last four years working in the private and entrepreneurial sector of physiotherapy and hand therapy, I've come across a fair number of associates, friends, relatives and families whom I observe in their antics and behaviors as I mingle and spend time with them, be it through therapy sessions, or simply social settings. I try to not judge them, but what I'm actually more intrigued with is what they actually do compared to what they say.

Maybe it's because I'm getting older - I recently read a statement somewhere that "over time, we don't just listen to what people say they do, we observe to see what they do."

And I find it intriguing that a number of people who love to complain, are the same number of people who don't really get ahead in the area that they are looking and hoping to get ahead in. An example is a friend who wishes to have and earn more money, but several times a week, he spends anything from $40 - $100 on a meal - several times a week. Now here, I'm not against spending money on a good meal, with friends; and it's not just about the fact that he earns about $2500 (so imagine he blows about $120 - $300 PER WEEK, about $480 - $1200 PER MONTH) on a few "special meals" in a week. A

No wonder he can't get ahead in his finances.

When I was curious and asked him, he said that "it's because he works hard, and he should reward himself" or "just because" or "ha...everyone is eating there already...I'm too embarrassed to say no just because I want to save money."

I mean, why not? Just because "I've worked hard" doesn't often equate to myself "treating myself extra well by splurging on food" if it knocks a few points back in my financial goal and plan. "Just because" is not in my dictionary, and I am not easily embarrassed just because "everyone is there already." If it's against my financial plan, I'll seek to keep to my plan. If I need to spend less, then I'll just get a soup, and drink water.

Why do that? To that, I'll reply that my goals are more important than social situations where mere embarrassment are not as important to me. For me, not keeping on track financially just because of social situations is embarrassing.

In fact, during one of the guys' gathering, one of the guys called me "weak" simply because I ordered lesser stuff so that I wont spend so much in a restaurant. He even had a smug look on his face to complete the entire "I'm greater than you" effect. In the beginning, it actually bothered me a little, not because he said it, but more because I wondered to myself if I was holding back too much? Later I realized that I'm on a journey, and this journey has certain criteria that I need to be strict on, and doesn't matter who I meet along the way, I need to be consistent still on my criteria to enable to reach my end destination and goal.

Of course, to a certain extent, there is a huge element of sacrifice that I will tolerate, such as financial discipline, taking time to learn and practice on this journey of financial freedom, personal development of saying "no" to things and people that are not as important as they seem and, the extra bonus that in years to come, this moment of "weakness" to him, will be one of the traits that will propel us to greater levels of personal development, financial freedom and independence...and he'll still be where he is.

Louise, my lovely wife, thinks it's just because I'm highly opinionated. Or maybe because I'm just stubborn. What do you think?

join the passive income family

Don't drown in the details - get the free fundamentals of passive income and early retirement and make your first $100 online.

Join the passive income family & newsletter below and get a bonus "Boring Blueprint To Passive Income & Early Retirement"

  • Learn how I started with less than $100 in my bank account from 2005-2008
  • ...turned my life and money around and by 2014
  • ...paid up my $390,000 flat in full in less than 5 years
  • ...starting making USD 40+ online per month
  • ...invested in dividend stocks for passive dividend income for recurring cashflow...for life!

You will also get subscriber-only Passive Income Tips, Starting & Growing Online Businesses Updates, Special Offers/Discounts and More - see you on the inside!

Talk soon!


Please note that all fields followed by an asterisk must be filled in.

No spam ever - your email is never shared and you can unsubscribe anytime with one click.

Enjoyed this article? Share it with your friends by clicking one of the buttons:

Even better - share your thoughts and comments below:

Back To Top

Search In NigelChua

Current Projects

Nigel Chua

Nalco Group

Therapy Entrepreneurs

Xtend Health Asia

Wisdom Of Seneca

Bee Pollen For Health

#1 Recommended Online Business University And Platform

Solo Build It!

More than 95% of my online businesses and publishing works use the Solo Build It platform, for good reason. Find out here.

GetResponse Email Marketing

Building a relationship with your audience, customers and readers are highly important for any offline and online business, and I recommend GetResponse for their services, great price, ease-of-use.

Try GetResponse today (1st month free)

Bonus: learn how to use an email autoresponder

The Hoth

TheHoth can help to outsource your guest posting, article writing and backlinking marketing activities. Visit them here.

Google Suite

Google Suite (GSuite) is THE recommended Google tools for email, calendar, documents, sheets - for productivity  and communication.

GSuite/GMail one month free trial available here.


Shopify has made it very easy to start an ecommerce business, solving most of the tech and logistical barriers and even has product suppliers with Oberlo!

Try Shopify today

Books I'm Reading

Holy Bible

Tribe Of Mentors

Seneca Letters From A Stoic

Seneca On The Shortness Of Life

See my full book/read list here.

Blogs I'm Following

Tim Ferriss

Pat Flynn

Tony Robbins

Ramit Sethi

Personal Goals

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.