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Mini Early Retirement Experiences

As I transition out of my decade-long business that was acquired by a larger business and having served out my bond that ended in 2017...I am slowly remembering what I enjoy doing, and finding out more what I like over time, which includes:

  • spend time with wife and 2 kids (maybe one more? =D)
  • spend time blogging
  • I wanna try my hands in publishing
  • I wanna spend more time on NigelChua.com (yes this site) in writing articles, growing readership and income and more
  • cryptocurrency research, investing and trading
  • read
  • and more

Today, I took a trip to Ikea with my wife, and I found myself being more attentive, mindful and enjoying the experience of just:

  • walking with her
  • talking with her
  • holding hands
  • just spending time chit chatting ideas

...just enjoying my wife's company.

I mindfully kept my phone away as often as I can, until I find her busy with her phone (she's way busier than me) and I just try to soak in the moment, the presence, and enjoy.

I love this.

I love this.

This makes me happy.

Then it dawned on me.

i'm actually having a mini early retirement experience, actually

...and I love it.

Of course, I am still mindful of what some of my personal aspirations are, which I wrote above.

But, experiencing these moments - I...finally understand what some form of early retirement and freedom is.

I mean, I still worry about money, because we're not totally having more than enough right now, but as long as we keep costs low, we'd be ok for a while longer.

I still need to hit my big hairy audacious financial 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 (qualitative relationship goal)

But, I am happier.

Where to next?

Head to Home Page

Start with these:

  1. Start Here
  2. FIRE Manifesto
  3. FIRE 101 and
  4. The Passive Income Lifestyle Framework.

They are my recommended to start with articles that ties in the entire framework, philosophy and working model of FIRE Lifestyle

Save-Earn-Invest More Articles

  1. Ruthlessly Cull Unnecessary Expenses
  2. Respect The $10s
  3. Small Tweaks To More $10s
  4. $150K+ By 35 - Reality Or Delusion?
  5. Start An Online Side Hustle With Solo Build It
  6. Start Investing For Passive Dividend Income In Just 3 Days
  7. How To Retire With $3 Million
  8. Invest To Spend On Luxury & Liabilities (Whatever You Want*)
  9. Shocking Maths Of Early Retirement (It's Less Than You Think)

See more Save, Earn & Invest More articles here.


  1. Contact me by email at (even just to say hi) at nigel@nigelchua.com
  2. See the latest articles and updates at the blog
  3. Check out my resource page to see the tools I use
  4. See my top two resources for online business below: Wealthy Affiliate (left) and Solo Build It (right) - both have very specific strengths and functions

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