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Your CPF can be $4 million.

That’s what Christopher Tan told me, and he manages $1.8 billion.

Part 2 is here. (Haven’t watched Part 1? Start there: https://youtu.be/EKPqiYOiTbw)

In Part 1, I told you how my husband and I lost thousands before we worked out the basics. Those mistakes were my tuition fees.

Even after I knew what not to do, I still had no idea what to do.

Twenty insurance policies. A CPF account I’d logged into maybe twice, and never understood how to actually use.

So I sat down with Chris and asked him to explain money from zero.

His firm is the only one in Singapore paid a flat fee, never a commission. No product to push. No reason to lie.

I asked him: what’s the perfect money plan for an ordinary Singaporean?

It’s not investing that makes you rich. It’s your surplus. Investing just helps you stay rich.

In this episode, you’ll learn:
→ How the CPF Special Account pays 4 to 5%, near risk-free
→ The 1M65 strategy: how a couple can hit $1 million by 65
→ Why he has never invested a single cent of his own CPF
→ If even Warren Buffett can’t beat the market, what should you do?
→ The first thing to fix if you’re living payday to payday (hint: it’s not investing)

You’ll have a plan you can start this week.

This is a conversation, not financial advice. Your situation is your own.

==

DISCLAIMER
This conversation is for educational and informational purposes only. It does not constitute financial advice tailored to your individual circumstances. Before making any financial decisions, please consult with a qualified financial adviser who understands your personal situation. Past performance does not guarantee future results. Christopher Tan’s views are his own and do not represent personalized recommendations for your specific financial situation.

ABOUT CHRISTOPHER TAN
Christopher Tan is the CEO of Providend, Singapore’s first fee-only wealth advisory firm. He manages $1.8 billion in assets under management (AUM) and built his business around one simple idea: what if financial advisers only got paid to give advice, not to sell products?

That model lets him say what other advisers can’t.
And in this conversation, he does.

More about Christopher Tan:

Christopher Tan

Follow us:
Instagram: https://www.instagram.com/theshulinlee
Instagram: https://www.instagram.com/the.real.reason.pod
LinkedIn: https://www.linkedin.com/in/shulinlee/

==

00:00 Opening
02:01 Why Chris has never invested his CPF
03:39 The biggest CPF myth
07:40 OA to SA: Can you move money to earn higher interest?
10:50 What actually happens to your CPF at 55?
15:14 What should a 25 year old do?
19:54 1M65: $1million in CPF by 65
21:50 Chris’ advice for Shulin
26:45 Start here before you even think about investing
28:30 Is it still safe to invest with wars, tariffs, and AI disruption?
30:22 Insurance 101
35:10 Should you invest in gold?
38:27 Property as an investment
43:08 ETFs explained
44:18 Stock picking vs ETFs
50:10 When couples disagree on money
55:13 Q&As from listeners
59:56 Your surplus makes you rich, not investments

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Download 1% Club App Now!
https://app.onepc.io/?c=fws-yt-vid

Checkout Odoo: https://www.odoo.com/r/FQi

In this episode, we sit down with Arav Sanjay, a Dubai real estate specialist who has facilitated real estate transactions worth thousands of crores in Dubai. Drawing from his experience working with investors, entrepreneurs, NRIs, and high-net-worth individuals, Aarav shares his perspective on how global investors evaluate opportunities beyond India.
The conversation explores the Dubai real estate market, currency depreciation, rental yields, tax considerations, Golden Visa benefits, real estate cycles, investor behavior during periods of uncertainty, and how experienced investors think about diversification. Aarav also discusses different property segments, emerging locations in Dubai, and the factors he believes drive long-term appreciation and cash flow.
Whether you’re evaluating international diversification, exploring Dubai real estate, or trying to understand how sophisticated investors allocate capital across asset classes, this episode offers a detailed look at the opportunities and risks involved. Connect with Aarav Sanjay to learn more about his work in Dubai real estate.

–
Subscribe:
The 1% Club:
YouTube: https://www.youtube.com/@FWSClips0
Instagram: https://www.instagram.com/onepercentclubshow/
LinkedIn: https://www.linkedin.com/school/the-1-clubfws
Sharan Hegde:
Instagram: https://www.instagram.com/financewithsharan/
LinkedIn: https://www.linkedin.com/in/sharanhegde95/
Twitter/X: https://x.com/financewsharan

–
Sharan Hegde is a personal finance creator & founder of the 1% Club, simplifying money, markets, and mindset for India’s next generation of wealth builders.

–
Timeline:
00:00 – Introduction
02:25 – Is This the Best Time to Invest in Dubai?
04:08 – How the Rupee’s Fall Benefits Dubai Investors
06:08 – Why NRIs in Dubai Pay Zero Tax
08:15 – Who Actually Buys Dubai Real Estate?
09:12 – How 90% of Transactions Happen in Cash
10:25 – HAWALA Explained: How Money Moves from India to Dubai
13:00 – Rental Yield: Mumbai vs Dubai
14:31 – How to Spend Your Dubai Money Back in India
16:47 – Does the Government Know About HAWALA?
20:41 – If You Had 5 Crores, Where Should You Invest in Dubai?
22:34 – Under Construction vs Ready Property: What to Buy?
25:00 – Which Location & Developer to Pick in Dubai
29:53 – How to Trust a Dubai Developer with Your Money
33:11 – Aarav’s Personal Asset Allocation
34:24 – Golden Visa: What It Is & Why It Matters
37:34 – IT Department is Tracking Dubai Investments
38:19 – How People Use Crypto to Buy Dubai Real Estate
45:00 – Conclusion

–
Connect with me:

Instagram: https://www.instagram.com/financewithsharan/
Facebook: https://www.facebook.com/financewithsharan
LinkedIn: https://www.linkedin.com/in/sharanhegde95/
Twitter: https://twitter.com/financewsharan

#financewithsharan #finance #sharan

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CZ says Bitcoin will surpass gold as sovereign reserves shift over time.

#cryptocurrency #argues #bitcoin #will #inevitably

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Title:
Is Crypto Still an Opportunity in 2026?

Description:
Is crypto still worth paying attention to?

Instead of chasing the next coin that could skyrocket, learn to look at the bigger picture: blockchain infrastructure, digital assets, decentralized finance, and the teams building the future.

The biggest opportunity may not be what’s trending today… but what’s being built for tomorrow.

📈 Follow for more content about crypto, investing, and the future of finance.

This content is for educational purposes only and is not financial advice.

#Crypto #Investing #Bitcoin #Cryptocurrency #StockMarket #Finance #FinancialEducation #CryptoInvesting #YouTubeShorts

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Ethereum contro Bitcoin ha due livelli che decidono tutto. Il primo è 0,035: un breakout di quella zona invertirebbe per la prima volta dal 2021 la trendline discendente sul grafico settimanale. Ma attenzione, un breakout di pochi punti non vale nulla — vista l’importanza del livello, se avviene deve avvenire con i volumi.

Il secondo è 0,043, ed è quello che conta davvero: è il livello di inversione matematica di un trend ribassista in piedi da cinque anni.

Ciao sono Mauro Caimi — Trader e analista quantitativo.

📊 Analisi completa qui: https://youtu.be/B7NHs8YeOjk

Nel video lungo analizzo il rapporto ETH/BTC dal 2017 a oggi, la struttura ciclica, il grafico della dominance e il +40% che servirebbe a Ethereum per arrivare a quel livello.

E tu cosa ne pensi? Scrivimelo nei commenti.

#shorts #ethereum #bitcoin #MauroCaimi #TradingOn

Contenuto informativo, non consulenza finanziaria. Alcuni link potrebbero essere in affiliazione.

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Some of the most valuable financial lessons don’t come from books—they come from experience.

Earning money is one skill. Understanding, managing and multiplying it is another.

Don’t just learn how to make money. Learn how money works. 💰

What is the biggest financial lesson life has taught you?

Join my community to learn money. WhatsApp comments at 9999122211 and follow instructions.

#MoneyMindset #WealthCreation #FinancialFreedom #InvestmentMindset #personalfinance

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I spent most of my 20s chasing financial freedom, thinking the goal was to eventually never have to work again.

But the closer I get, the more I realize that money’s greatest value isn’t retirement—it’s optionality.

Paying off debt gave me security. Investing gave me flexibility. And financial stability gave me the freedom to take career risks and build things I actually care about.

Now, I don’t want to stop working. I want to build a career I don’t want to retire from.

Maybe financial freedom isn’t about escaping work. Maybe it’s about getting to choose the work you do. 🤍

What does financial freedom mean to you?

#FinancialFreedom #PersonalFinance #MoneyTok #MoneyInYour20s #WomenAndMoney #WomenInTheir20s #FinancialIndependence #InvestingForBeginners #BuildWealth #MoneyMindset #ModernAmbition #CareerGoals #Adulting #WealthBuilding #GenZFinance

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