Money Rules That Will Change Your Life and Give You Financial Freedom

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.

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

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Timestamps:

(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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