Part 1: CASHFLOW + Mastery = True Freedom
In Jun 2019, it took 720k SGD to ‘retire’ with 3K/month via dividend investing (from my skill level back then).
In Aug 2025, it takes ~78k SGD to achieve the same via our Evergreen Flywheel Strategy (+89.16% efficiency).
Fun fact: It took me 8 months in 2025 to make 1.4X my annual salary of my previous day job (15mins/week vs 8-6pm).
Some disclaimers and nuances:
Above is based on my 26-months average 46.68% cashflow p.a. between May22–Sep25 (Capital gain/loss not factored in)
Been doing 18–22% cashflow p.a before resigning on Sep24. I’ve also done 50–104% cashflow p.a. on some weeks after leaving day job but found it too aggressive and unsustainable.
Striking the balance is key. We’ve codified best practices, risk range, and an adjustable settings to optimise our “attack and defense”
What this might mean for you:
You’ve achieved 100K + 15min workweek
Keep the job you love, no more layoff fears
Negotiate confidently for better pay or flexible work terms
Switch careers confidently on your terms (since safety net secured)
Or finally build that venture you’ve been thinking (I’m doing this now)
NOTE: Every 100K allows BASIC FIRE for One. Healthy. Adult.
NOT a village.
NOT luxurious lifestyle.
Get real.
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Part 2: Cashflow + MASTERY = True Freedom
Everything—absolutely everything you get on 100K2FIRE is optimised and engineered not by accident.
Looking through another personal reflection tracker:
46 weeks between Week 67–112
Averaged $958/week in 17.14 mins/week
Which works out to USD $3,352.86/hour
Portfolio size as of this writing is USD $78,934
Note: since I’ve been pounding on the 15min workweek—disclosing that 17 mins was due to heavy experiments between Week 77–91 (avg 24.66mins).
All these were built on top of 3 Goals:
I refuse to “pray” for bull market like a traditional buy/hold investor.
I refuse to profit ONLY if I'm right directionally like a traditional buy/sell trader.
I refuse to take “blood money” selling my soul again to any misaligned job, boss, client or partner.
Today, our Evergreen Flywheel Strategy pays us whether we're right or wrong (note: holding power is key, only invest what you DON’T NEED in the short term).
Though this USD $3,352.86/hour isn’t life-changing monthly income, what it gifts me — is 29 days and 23 hours per month to work on my health, mindfulness, and this lifework.
And it’s only possible because I’ve codified and engineered my top objective thought, emotion, and behaviour patterns that make this outcome sustainable.
You have your unique set too. Till some point, we simply can’t brute-force our way into mastery.
We want to play an “unfair game” that works hyper-specifically for our unique
12 avatars
36 values
7 levels cashflow
21 financial focuses
I may not be the best person on earth.
Not yet my best version this lifetime either.
But perhaps, I'm my best self at this point of time.
Aside minor career milestones:
I'm much calmer these days around people and things that don't really matter.
I genuinely love my work, morning walks and quiet lunch.
Started doing my part to take care of my health because I wish to live and work longer.
I’m mindfully grateful that I can climb stairs and use toilet independently.
I spend normal days with special people, not special days with normal people. Read again.
These are some personal definitions of Mastery, you create yours too.
Another way to look at Mastery is through the lens of “taste.”
Think of “chicken rice” in general.
Now think of your “favourite chicken rice”.
There’s something subtle that made all the difference to keep you going back.
That’s the kind of mastery we’re building here.
Now, AI can mass-produce good work; fast, cheap and reliably.
We focus on creating exceptional work; slow, remarkable and unforgettable.
They zig, we zag.
But zag strategically,
I’ll share more below.
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Zooming out, I’m offering you $300,000 + $XXX of baseline value.
“Cashflow + Mastery = True Freedom” is conceptual.
Let me break it down-to-earth on what might you get (or avoid) in this process.
Everything I’ve shared above cost me ~$300k SGD and >20.5 years as of 4 Sept 2025 to be where I am today.
You may save a % of my headaches (and heartaches) by installing and adapting my cashflow/mastery structures on your situations.
Big Macro Breakdown
$50,000-ish on wealth building programs.
$50,000-ish on investing in schemes (and scams).
$100,000-ish on my 1st failed investing/trading portfolio.
$100,000-ish options premiums (76k USD ➜ 98.8k SGD)
Brings to ~$300k SGD
Plus 100k more... continue to read below.
