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Not in insurance anymore, but if yall want to see brown people in SG thrive and succeed as much as I do, then we all need to be able to talk money
1. There are ENTRY LEVEL jobs available that can get you a five-figure salary monthly. And I know this because I see my husband’s paycheck every month, and I know his colleagues aren’t far off either. And —
These jobs are... SALES jobs. Not denying the fact that majority-race customers (probably!!!) prefer dealing with majority-race salespeople, but if you can do sales, DO IT
There are companies with sales teams that genuinely support diversity. They exist, they will taje you in.
There are companies with sales teams that genuinely support diversity. They exist, they will taje you in.
2. Get your parents medical insurance. Yourself too.
Brown people are by far (in my experience) the ones that support their parents the most — I’m talking groceries, utilities, allowance.
If god forbid something happens health-wise to mum and dad — no surprise, the kids pay too
Brown people are by far (in my experience) the ones that support their parents the most — I’m talking groceries, utilities, allowance.
If god forbid something happens health-wise to mum and dad — no surprise, the kids pay too
If your parents, god forbid, get cancer? Fully paid.
Surgery? Fully paid.
Post-hospitalisation care? You guessed it.
If you (rightfully so) prefer private hospital care? Go for it. FULLY PAID.
And the cost?? About $22 per person monthly. If you don’t like agents, go to a bank
Surgery? Fully paid.
Post-hospitalisation care? You guessed it.
If you (rightfully so) prefer private hospital care? Go for it. FULLY PAID.
And the cost?? About $22 per person monthly. If you don’t like agents, go to a bank
3. Save money
This goes without saying. Chinese people usually have this down pat.
Save for retirement to cover all the bills so your kids don’t need to. Break the cycle. Find a savings program to help you double the returns so you save less and still get more in the long run
This goes without saying. Chinese people usually have this down pat.
Save for retirement to cover all the bills so your kids don’t need to. Break the cycle. Find a savings program to help you double the returns so you save less and still get more in the long run
Don’t like insurance agents? Go to the bank. They can help you set a program up. Same with medical insurance. DNC yourself if you’d like, but stay updated with the T&Cs.
My previous company had a program that can get you to a million sgd by the time your CPF monthly income comes in. $205 a month. Long, but if you can afford it and have good enough reason, do it. Expats in SG don’t because they usually have pension plans.
Save for your kids’ education so they get an edge. I wish it was different, but Singapore is elitist. Until that’s fixed, normalize getting your kids a good education.
I know idiots that succeed because their parents sent them overseas. It’s good exposure. Make this a flex.
I know idiots that succeed because their parents sent them overseas. It’s good exposure. Make this a flex.
Save to INVEST. I know some of yall are into stashaway. Good. Pair that with earning more. Investing more. You don’t need thousands. Stashaway (SGD) has NO MINIMUM deposit. You can withdraw anytime.
Properties in phils cost $30,000 to down, but you get $1,000 a month in rent.
Properties in phils cost $30,000 to down, but you get $1,000 a month in rent.
Work up to earning the same you do with passive income as how much you earn at your job.
Earn $6k? Try to get $6k in returns. Share property with someone, hire a company to trade for you, whatever you see fit.
Earn $6k? Try to get $6k in returns. Share property with someone, hire a company to trade for you, whatever you see fit.
If you lose your job/quit/retire, you still get $6k a month, passive.
You also have something to hand over to your kids when you go. That’s going to be your legacy. They will thank you for it. It will take time to work up to this. But do SOMETHING.
You also have something to hand over to your kids when you go. That’s going to be your legacy. They will thank you for it. It will take time to work up to this. But do SOMETHING.
If you don’t know about stashaway, google it. It’s a beginner-friendly platform. It’s not going to be a dependable fund for edu/retirement though, in case it’s not performing and you NEED to cash out at that point. So if you’re going to do it, have a program in place for that too
4. Keep upgrading
Got a diploma? Good. Get a degree. And then a masters.
Why? It’s a good example to set for your siblings, for your kids. It makes you more valuable to your organisation. It helps you demand a bigger salary.
It ALSO makes you more confident.
Got a diploma? Good. Get a degree. And then a masters.
Why? It’s a good example to set for your siblings, for your kids. It makes you more valuable to your organisation. It helps you demand a bigger salary.
It ALSO makes you more confident.
This is completely anecdotal, but I feel like brown people sometimes falter because of a lack of confidence. If you’re qualified to take up a position, you’re qualified, and you deserve it. Just make sure you’re qualified.
It doesn’t matter what industry you’re in — F&B, logistics, engineering.. somebody out there in every place is drawing 5 figures. It may take time, but if you want it, you can be the person that deserves this pay grade. If the company isn’t rewarding you, find a place that will.
I’m not an expert, and this might not help everybody. I know some of us feel incredibly trapped. Hell, you may even read this and eye roll because you already knew this. But as much as we uncover about our helplessness now —
I want people to know there can still be a way. Here I share what limited knowledge I have, and I know at least one of these things will change your circumstances for sure.
Godspeed. I wish you only love and prosperity.
Godspeed. I wish you only love and prosperity.
