Summary
A Singaporean retired at 35 and now spends just S$150 a month. How did he make it work?
After losing his job at 35, Colin Lau built a retirement plan centred on reducing his cost of living to the minimum.
He bought a flat in full, generates income through rent and insurance payouts, and keeps monthly expenses to about S$150.
From housing decisions to daily spending, his approach focuses on maintaining financial stability without a paycheque while preparing for future healthcare and living costs.
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