My New Birding Adventure

Last Saturday morning, I kicked off my latest hobby—birding—by attending the NParks Heron Watch Volunteer programme. I was blown away by how effortlessly the volunteers identified birds, spotting subtle differences in feathers and calls that I hadn’t even noticed!

During the session, I met an inspiring young friend who’s been bird watching solo since September 2024. In just a few months, she’s become a pro at recognizing countless species.

She also introduced me to Birding Telegram groups, where enthusiasts share real-time alerts about rare sightings around Singapore. I’m already hooked on the excitement of getting those notifications!

Inspired by the group’s passion, I decided to gear up for my birding journey. I headed to Decathlon and invested $80 in a new pair of binoculars to get a closer look at my feathered friends.

I also dusted off my old safari photos from trips to places like Africa and Sri Lanka, creating an Instagram account to share them. My goal is to build a visual diary of all the wild and captive animals I’ve encountered, blending my love for travel, wildlife, and photography.

Yesterday, I visited the newly opened Bidadari Park with my Canon M50 vlogging camera, eager to capture some birds in action. To my dismay, the lens couldn’t zoom far enough to catch anything worthwhile—total fail! 

Determined to up my game, I visited a preloved camera shop today. The owner recommended the Canon Powershot SX520 HS for its impressive zoom, perfect for birding. I traded in my M50 for $200 and paid an extra $47 to seal the deal. I did't want to spend too much on this new hobby, not knowing if it will last.

I tested it out immediately at Bukit Merah to photograph the adorable Red-breasted Parakeet babies, and wow, the zoom was a game-changer! As if that wasn’t enough, a kind gentleman from the birding community gifted me a brand-new tripod. The generosity of this community is truly heartwarming.

Birding has quickly become a source of pure joy, despite the occasional mosquito bites and Singapore’s sweltering heat. There’s something so energizing about being out in nature, surrounded by wildlife. Trading my office wear for running shoes and sportswear feels like a small act of freedom. I’m thrilled to dive deeper into this hobby, chasing new sightings and capturing moments that make my heart race. 

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First Week in Class

The first week of class has been a whirlwind of introductions, odd exercises, and a few frustrations, but it’s finally starting to feel like we’re getting somewhere.

 Day 1-3: Getting to Know the Crew
The first couple of days were all about breaking the ice and knowing our DISC profile. We spent time introducing ourselves and sharing why we’re taking the course. It was cool to hear everyone’s motivations—some want career shifts, others are here to level up their skills. I enjoyed the vibe of connecting with new people, but it felt a bit like speed-dating for classmates.

Day two, we had this bizarre exercise where we were split into breakout rooms based on the industry we’re interested in. I picked the government sector. The room was a ghost town—no one was able to share insights about working in that space since nobody was from this industry. It felt like a total waste of time, and I left wondering what the point was. A facilitator or some prep could’ve saved this from being a flop.

Day 4: Sidelined and Annoyed
By day four, I was ready for something engaging, but instead, I got another letdown. We had a group game planned, but only five people could play, and I ended up as a backup. I love games and know I’m pretty good at them, so sitting on the sidelines watching others make questionable moves was frustrating. Honestly, they could’ve set up another subgroup so everyone could participate. It felt like a missed opportunity, and I was left twiddling my thumbs.

Group Dynamics: Not My Vibe
I was also hoping we’d switch groups for each module, but nope—we’re stuck with the same crew for the next four months. My group is one of the biggest, and most people seem super introverted, serious, and overly structured. I’m more of a fun, high-energy person, and I clicked way better with another group during the networking breakouts. They had this crazy, fun vibe that I like. Being locked into a group that doesn’t match my energy is a bit of a bummer, but I’ll make it work.

Day 5: Finally, Something Useful
Today, things took a turn for the better. We dove into structured problem-solving skills, and I’m actually excited about it. The framework we learned is practical and feels like something I can apply to my current project.

It’s refreshing to finally dig into content that’s relevant and actionable. I’m starting to see the value of the course, even if the first week had its hiccups.

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Career Coaching - Last Session

In my last career coaching session, I had the chance to unpack my thoughts and experiences over the past few weeks, both at work and as a new student.

It was a refreshing opportunity to reflect on my journey and explore what lies ahead as I navigate this transitional phase.

We also discussed my plan to engage in volunteer work, particularly with animals. I’m keen to explore citizen science projects with NParks and check out the Mandai Wildlife Docent Programme. These opportunities align with my love for animals and my desire to contribute meaningfully to the community while gaining new experiences.

My career coach brought up the AI Apprentice Program as a potential avenue, but I found it wasn’t quite the right fit. The program’s focus on programming languages and its target audience of younger individuals didn’t align with my current interests or goals. 

She also pointed me toward the Singapore Business Federation and the Singapore National Employers Federation, both of which are great resources for connecting with employers who value SkillsFuture course graduates. That was encouraging to hear, as it opens up possibilities for the future.

She also did a quick search for jobs related to my current studies in digital transformation and change management. To my surprise, there’s a decent demand for these roles in Singapore.

It’s reassuring to know the market values what I’m learning, even if I’m not ready to jump into a full-time job just yet.

For now, I’m taking things slow. I’m still optimistic about pursuing the Barista F.I.R.E. (Financial Independence, Retire Early) lifestyle, which gives me the flexibility to explore without rushing into a career move.

I made it clear I wasn’t ready to polish my LinkedIn profile or CV yet, as I’m still figuring out my next steps.

We wrapped up with a feedback session, which was a great way to close things out. My coach encouraged me to reach out next year when I’m ready to re-enter the job market. It’s nice to know I have that support waiting when the time comes.

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Final Last Day As A Full-Time Slave

It’s my LAST WEEK at work! 🥳 I’m finally pulling the plug on the corporate life. Cue the confetti and the slightly panicked realisation that I’m about to enter to my grand adventure into Barista F.I.R.E.

The Three-Year Master Plan
This wasn’t some spur-of-the-moment “I’m done!” tantrum. I’ve been plotting this escape for three years. Think of it like a heist movie, but instead of stealing diamonds, I was chasing financial independence.

The mission? Pay off the mortgage (done!), obliterate all debt (hello, AA credit rating—take that, younger me who used to have 7 credit cards), hit my CPF Full Retirement Sum, and save like a squirrel before a nuclear winter.

I even calculated my Personal Finance Ratio, which sounds like something a math teacher would make up to torture you, but it’s actually the secret sauce to knowing if you can quit your job without ending up moving back to your parent's place.

I used to think “adulting” meant buying overpriced bags and owning a car. But these days? Nothing gets my heart racing like watching my investment portfolio grow.

Forget travelling —give me a line graph trending upward and watch my CPF and savings account flex its muscles, that’s the real adrenaline rush. 😅

Why I’m Ditching the Desk
Don’t get me wrong, my job wasn’t terrible. I mean, I stuck around for 10 years, which is longer than most of my houseplants have survived.

But I’ve hit that age where I’m ready to trade OT nights for pursuing passions, learning new skills, and—most importantly—taking life at the speed of a sloth on a Sunday.

Enter Barista F.I.R.E., the glorious lifestyle where you work just enough to keep the lights on (and the coffee flowing) while spending the rest of your time living your best life.

For me, that means diving deep into the world of investments, studying “options” (not the life choices kind, but the stock market kind—way less existential). 

The Transition: Part-Time Gigs and SkillsFuture
To ease into this brave new world, I’ll be working part-time for the next three months while waiting for my successor to join in September.

Bonus: the government’s tossing me an allowance to keep studying, which covers my daily expenses. This means I don’t have to dip into my precious savings or sell my kidney to afford my mala obsession.

I’ll keep investing whatever I can scrape together and spend my days learning the dark arts of options trading. 

A Week of Farewells
This last week has been a stress-free dream. My colleagues have been treating me to farewell meals every day— my waistband is staging a protest, but my heart is full.

They even gifted me a lavish Longchamp bag, which I’m pretty sure costs more than all my adidas shoes. The love and support have made this bittersweet goodbye feel more sweet than bitter.

I’m walking away from the 9-to-6 with a skip in my step, a fancy bag on my shoulder, and a head full of dreams about what’s next.

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A Busy Day of Learning and Discovery

Today was a whirlwind of new experiences, balancing the excitement of starting a new chapter with my SkillsFuture funded course and diving into a fascinating research experiment at SMU.

Morning: Orientation for My Skills Future Course
This morning, I attended the orientation for my SkillsFuture funded course, marking the countdown to a major life shift.

I can’t believe I’m just one week away from leaving my job to return to full-time study after over a decade.

It feels surreal to step back into the classroom, and the orientation gave me a taste of what’s to come.

The class is huge—48 participants, all aged 40 and above, bringing a refreshing mix of maturity and professionalism.

You can already spot the different personalities emerging.

There are the “kiasu” types, eagerly flipping through course materials before the official start, determined to get a head start.

Others exude confidence, and I can tell this group will be full of outspoken, extroverted voices.

It’s exciting but a bit daunting, as I’m already bracing for lively debates and dynamic discussions.

One small annoyance? The teaching assistant shares my name, which is incredibly rare.

It’s going to be so confusing hearing my name called out constantly. 😖

I’m already imagining mix-ups during group work or emails going to the wrong person.

Still, it’s a minor hiccup in an otherwise thrilling start to this journey.

 Afternoon: Research Experiment at SMU

In the afternoon, I headed to SMU to participate in a research experiment titled Investigating People’s Attitudes and Behavioral Responses towards Project Wolbachia-Singapore.

The project piqued my interest, not just because of its innovative approach to tackling dengue but also because it involved testing an AI bot developed by the researchers.

I suspect they’re aiming to secure government funding for this tech, and I was curious to see how it performed.

The experiment was engaging and surprisingly educational. For about 20 minutes, I interacted with the AI bot, asking questions related to Project Wolbachia-Singapore. The bot was designed to provide insights into the project.

Afterward, I completed a survey evaluating the bot’s usefulness—could it replace a human in answering research questions?

I found it fairly intuitive, though it lacked the nuance a human might bring to complex queries. Still, it was a fun and thought-provoking experience.

Learning about the science behind Project Wolbachia—essentially using male mosquitoes to outcompete and reduce the female Aedes population—felt a bit like science fiction, but it’s a practical and necessary strategy for public health.

Oh I will also received $20 (paynow) for the participation.

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Why I’m Hesitant About S-REITS

Real Estate Investment Trusts (S-REITs) caught my attention last year due to their promise of steady dividends and exposure to Singapore’s robust real estate market. 

However, my experience with S-REITs in 2024, coupled with recent market insights, has left me cautious about diving back in. 

In March 2024, I ventured into S-REITs, carefully selecting trusts to align with my goal of generating passive income while avoiding excessive risk. 

I deliberately steered clear of REITs with significant China exposure due to concerns about economic uncertainty and geopolitical risks in that market. My portfolio included:

1. Lendlease Global Commercial REIT
2. Frasers Centrepoint Trust (FCT)
3. Frasers Logistics & Commercial Trust (FLCT)
4. CapitaLand Integrated Commercial Trust (CICT)
5. CapitaLand Ascendas REIT
6. CapitaLand Ascott Trust
7. Mapletree Industrial Trust (MIT)

These choices were driven by their strong fundamentals, diversified portfolios, and reputable sponsors like CapitaLand and Frasers, which are well-regarded in Singapore’s REIT landscape. 

For instance, CICT, with its S$26 billion portfolio and recent acquisition of a 50% stake in ION Orchard, seemed like a solid bet for stable rental income. 

Similarly, MIT’s focus on industrial properties, which have shown resilience with positive rental reversions of 20.6% in 2024, appealed to me for its growth potential.

However, by November 2024, I noticed a troubling trend: despite consistent dividend payouts averaging around 6.9% across S-REITs, the capital value of most of my holdings was depreciating. 

The broader S-REIT market, as tracked by the iEdge S-REIT Index, had faced challenges, with a -6.28% total return in 2024 compared to the Straits Times Index’s 23.53%. 

Frustrated by the declining unit prices, I decided to sell all my REITs except MIT, redirecting the funds into trading for potentially higher returns. The results were mixed:

• FLCT: Took a S$150 loss, a reminder that even diversified REITs can underperform.
• Others: Generated small profits, which softened the blow but didn’t inspire confidence.
• MIT: I held onto it at S$2.22 per unit, but as of June 2025, it’s trading at S$1.96, reflecting a paper loss.

The decision to sell was driven by my need for capital preservation and a desire to explore more dynamic investment strategies. 

Trading offered the flexibility to capitalize on short-term market movements, which felt more aligned with my risk appetite given the volatility in the REIT sector.

Source: The Fifth Person

Expert Sentiments and The Fifth Person’s Optimism

The Fifth Person’s recent YouTube video on S-REITs provided a fresh perspective that’s both intriguing and challenging to my current stance. 

They argue that with interest rates likely peaking and expected to decline in 2025, S-REITs are poised for a rebound. Lower interest rates reduce borrowing costs for REITs, which often carry significant debt, and make their dividend yields (averaging 6.9% as of February 2025) more attractive compared to Singapore’s 10-year government bonds at 2.7%. 

Their optimism is echoed by some market analysts. For example, The Business Times reported a 5.9% climb in the iEdge S-REIT Index from April 11 to 24, 2025, following a sell-off, suggesting a recovery driven by REITs with international and hospitality exposure.

Experts also highlight the resilience of certain S-REIT subsectors. Industrial REITs, like MIT, have shown strong performance, with rental reversions of up to 27.1% in Q4 2024 for trusts like Sabana Industrial REIT. 

Diversified REITs, which make up over a quarter of the market, offer stability through mixed asset portfolios, with CICT’s 3.4% net property income growth in FY2024 as a prime example. 

Additionally, the Monetary Authority of Singapore’s relaxed regulations and tax incentives, such as tax transparency for REIT ETFs, enhance the sector’s appeal. 

Morningstar analysts suggest that the current interest rate environment offers a good entry point, particularly for REITs trading at discounts to their net asset values (NAVs), which many S-REITs do at 5-15% below NAV.

However, not all sentiments are bullish. The same Fifth Person video acknowledges the sector’s struggles, with some REITs, like those exposed to U.S. offices (e.g., Manulife US REIT), facing challenges due to declining occupancy rates. 

The “Trump Tariff Tantrum” in April 2025 caused a -4.14% drop in S-REITs, though they outperformed banks during this period. 

This volatility reinforces my hesitation, as the market’s “lowest ever” prices in 2024, which many thought couldn’t go lower, have continued to decline into 2025.

Source: The Fifth Person

Why I’m Still Hesitant

Despite the optimistic outlook from The Fifth Person and some analysts, I’m not ready to reinvest in S-REITs. The market’s volatility, exemplified by my MIT holding dropping from S$2.22 to S$1.96, makes me wary. 

Last year, experts claimed S-REITs were at their lowest, yet prices have continued to slide, undermining confidence in predictions of a rebound. 

While the prospect of falling interest rates is appealing, macroeconomic uncertainties—such as potential tariff impacts and global economic slowdown—could still pressure REIT valuations. 

For instance, Syfe notes that REITs thrive in stable or falling rate environments with low inflation, but any unexpected economic shocks could disrupt this.

Moreover, my financial goals, shaped by paying off my HDB and reaching the Full Retirement Sum in May 2025, prioritize flexibility and higher-risk opportunities. 

Trading has allowed me to leverage my capital more actively. S-REITs, while offering passive income, feel too static for my current strategy, especially given their recent underperformance compared to alternatives like Singapore banks, which delivered stellar returns in 2024.

For now, I’ll hold onto my MIT units, hoping for a recovery, but I won’t add to my S-REIT holdings until volatility subsides and clearer signs of a sustained uptrend emerge.

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Career Coaching - Session 4 & 5

In my recent career coaching sessions (3 and 4), my coach guided me through Singapore’s mid-career transition landscape and explored various government-supported programmes. 

We also discussed industry trends, and even touched on the past weeks' workplace challenges I’ve been facing. 

Mid-Career Transition Programmes in Singapore
One of the key focuses of our sessions was Singapore’s SkillsFuture Career Transition Programme (SCTP), a train-and-place initiative designed to help mid-career individuals like me pivot to new sectors or roles. 

The SCTP offers industry-relevant training, career advisory services, and job placement support, which is particularly appealing as I look to switch industries. 

It’s open to Singaporeans and Permanent Residents, with courses ranging from 3 to 6 months, and some even provide up to 90% course fee subsidies for those aged 40 and above under the Mid-Career Enhanced Subsidy (MCES). 

We also discussed how I could use my SkillsFuture Credit ($500 base credit plus a $4,000 mid-career top-up for those aged 40 and above) to offset course fees. 

Singapore Government’s Focus Areas
My coach highlighted the Singapore government’s push toward high-growth sectors, particularly finance and AI, environment and sustainability, and healthcare. 

These align with the nation’s economic goals, such as the “30 by 30” initiative, which aims to produce 30% of Singapore’s nutritional needs locally by 2030 through advanced agricultural technologies. 

The focus on Environmental, Social, and Governance (ESG) principles is also shaping job roles across industries, from sustainable finance to green urban planning. Healthcare, meanwhile, is expanding to meet the needs of an aging population and growing demand for care services.

Finance and AI: Technology in Finance Immersion Programme (TFIP)
The Technology in Finance Immersion Programme (TFIP) caught my attention as a robust option for pivoting into tech roles within the financial services sector. 

Managed by the Institute of Banking and Finance (IBF), TFIP is an 18-month Attach-and-Train Career Conversion Programme supported by Workforce Singapore (WSG), Infocomm Media Development Authority (IMDA), and the Monetary Authority of Singapore (MAS). It includes up to six months of structured training followed by on-the-job experience with leading financial institutions.

The programme covers in-demand areas like:

• Agile IT Project Management
• Artificial Intelligence
• Cloud Computing
• Cybersecurity
• Data Analytics
• Software Engineering

Environment and Sustainability: SkillsFuture Environmental Services Courses
We also explored courses in the Environmental Services sector, which supports Singapore’s sustainability goals. 

SkillsFuture offers programmes like the WSQ Diploma in Environmental Services, focusing on areas such as waste management, pest control, and cleaning operations. 

These courses are often shorter (3–7 months) and cater to roles like Environmental Control Officer or Waste Management Specialist. While these are critical to Singapore’s green agenda, I found many of them leaning toward blue-collar roles, which don’t quite align with my career aspirations.

However, there are more professional-oriented options in the green economy. For instance, NTU’s Advanced Professional Certificate in Sustainable Urban Environments targets mid-to-senior leaders and covers green building technologies, renewable energy, and urban resilience. 

This could be a better fit for someone like me looking for strategic, high-impact roles in sustainability rather than operational ones. The course duration is 3–6 months, with up to 90% subsidies for eligible mid-careerists.

Digital Agri Tech: A Personal Interest
The Digital Agri Tech programmes sparked my curiosity the most. These align with Singapore’s “30 by 30” goal and focus on leveraging technology for sustainable agriculture. 

Unfortunately, detailed information on current courses is scarce. Back in 2021, NTUC LearningHub and Republic Polytechnic launched initiatives to train professionals in smart farming technologies, such as IoT-enabled farming systems and data-driven crop management. 

These programmes aimed to prepare individuals for roles like Agri-Tech Specialist or Farm Operations Manager, blending tech and agriculture.

My coach mentioned that similar courses might still be offered through NTUC LearningHub or polytechnics like Republic Polytechnic, often under the SCTP framework. 

For example, a course on Agricultural Business Management could cover government policies, financing, and tech-driven farming practices. These programmes typically require a diploma or relevant work experience and offer subsidies via SkillsFuture Credit or MCES. 

I’m keen to explore this further, as the idea of combining tech with sustainable agriculture feels innovative and meaningful, though I’d need more details on course availability and job prospects.

Healthcare: Not for Me
Surprisingly, my coach suggested I consider roles like Clinic Manager or Social Services Manager in healthcare, citing my organizational skills and brief marketing stint in the sector. 

However, I was quick to shut that down. My previous experience in healthcare was a nightmare—office politics were intense, and I didn’t feel the compassionate drive needed for patient-facing or care-focused roles. 

While healthcare is a growing sector with SCTP courses like Healthcare Assistant (3–7 months) or Therapist Assistant (3.5–7.5 months), requiring minimal academic qualifications (e.g., one GCE ‘O’ Level pass), it’s not a path I want to revisit.

Beyond Blue-Collar: Other Possibilities
Since I’m not keen on blue-collar roles in Environmental Services or healthcare, my coach and I brainstormed other professional pathways. Beyond TFIP and sustainability-focused programmes, SkillsFuture offers courses in:

• Sustainable Finance: Courses like those offered by IBF cover ESG principles, climate-related risk analysis, and global sustainability standards (e.g., ISSB and GRI). These are ideal for roles in financial institutions focusing on green investments.
  
  
• Digital Economy: Programmes in AI ethics, data science, and full-stack development (e.g., Republic Polytechnic’s Specialist Diploma in Full Stack Web Development) cater to tech-driven roles across industries. These are typically 3–6 months and align with Singapore’s digitalization push.
  
  
• Built Environment: Courses like the Specialist Diploma in Sustainable Built Environment at Temasek Polytechnic focus on green architecture and smart cities, offering a professional track in sustainability.

These options feel more aligned with my skills and interests, particularly in tech and sustainability, and I’m excited to explore them further.

Reflecting on Workplace Challenges

On a personal note, I shared some frustrations about recent office dynamics with my coach. She was a fantastic listener, offering perspective without judgment. 

I mentioned ongoing employee satisfaction issues, and she suggested our HR team could benefit from a third-party workshop to address them. 

While it’s a good idea, I’m mentally checking out since my last day is end June, so I don’t plan to get involved. It felt great to vent, though, and my coach’s empathy made the session feel like a safe space.

Next Steps

My coach and I agreed to combine the last two sessions in July and focus on narrowing down trends beyond 2025, particularly in AI programmes and Human-Computer Interaction (HCI) modules, to align with emerging tech-driven opportunities. 

We’ll also work on developing a career action plan to map out my transition steps, including specific courses and job applications. Additionally, we’ll complete the post-programme survey to reflect on the coaching experience and provide feedback.

For now, I’m grateful for the clarity these sessions have brought and the financial support from SkillsFuture to make a transition feasible.

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Walking Away from Workplace Negativity

The past two weeks at work have been nothing short of exhausting. Between a colleague’s outburst during a client meeting, a difficult client refusing payment, and the persistent issue of under-resourcing, I’ve been stretched thin. Rumors are swirling about cash flow problems at the company, and yesterday, 

I overheard whispers of a new performance system that might mean no salary increments next year for half the employees. After a decade of pouring my heart into this company—treating it like my own—it’s heartbreaking to see it unravel due to poor management and questionable decisions.

Even though I’m leaving in two weeks, the weight of the past few weeks has been heavy. Since resigning, I’ve been juggling the emotional turmoil of my team, unreasonable client demands, and the pressure to wrap up or transition projects before I go. 

I’ve been working late into the night, surviving on minimal sleep, which is a big deal for someone like me who thrives on rest and has never struggled with insomnia. It’s been a lot to carry on my “skinny shoulders.”

We’ve hired someone to take over half of my role, but I’m skeptical about how long they’ll last in this environment. Still, I keep reminding myself: this isn’t my problem anymore. 

I need to focus on my own path forward. Writing this down is my way of processing it all and reinforcing why financial freedom is so critical. 

Having the ability to walk away from an unfavourable workplace without worrying about money is a privilege I’m grateful for. It’s a stark reminder to avoid returning to the corporate grind if I can help it.

As I count down to June 27—my last day—I’m filled with anticipation. I’m ready to leave this stress behind and embrace work and activities that align with what matters to me at this stage of my life. 

This experience is a reminder to prioritise my well-being and pursue a path that brings joy and purpose. Even though I know I should have done this last year, staying for another year to help out also help me to achieve my financial goal (FRS). 

Here’s to new beginnings, lighter shoulders, and the freedom to choose my own way forward.

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Singapore’s Corporate Lingo Jungle

A recent Her World article capture the cringe-worthy reality of Singapore’s corporate lingo culture through the lens of a former office worker turned freelancer. The article is damn hilarious and I can relate to it! 😂

“Please revert” and “Do the needful” 

Reading this article, I couldn’t help but nod along. I’ve been in those meetings where buzzwords fly like confetti, and you’re left wondering if anyone knows what’s actually being said. I'm annoyed by how people in Singapore’s corporate world misuse the word “revert.” It’s a uniquely Singaporean quirk that drives me up the wall. People say, “Please revert to me by EOD,” when they mean “Please reply to me by the end of the day.” Argh! “Revert” means to return to a previous state, like reverting to an old software version, not sending an email response. This misuse is so common in Singapore’s offices that it’s practically a national pastime, but it makes me cringe every time. Just say “reply” or “get back to me”—it’s not that hard!
 
“Let’s leverage our existing resources”
When I hear “leverage existing resources,” it feels like a polite way of saying, “Do more with less, and don’t complain.” The expectation to “leverage” what we have—our time, skills, and tools—means working late nights and weekends to meet deadlines. The article’s call to ditch buzzwords speaks to me on a deeper level. Jargon like “leverage” obscures the need for real solutions, like hiring more staff or streamlining projects. 

“Do You Have More Bandwidth?”

Then there’s “Do you have more bandwidth?”—a phrase that translates to: “Can you take on more work with the same pay, time, and mental capacity?”. This buzzword perfectly captures my current overload. Every time I hear it, it’s another task piled onto an already full plate, with no extra resources to make it manageable. It’s the same pressure the article’s author faced—constantly expected to do more.

The author recounts her time in Singapore’s high-pressure offices, where saying “can” was the only way to survive, even when swamped. She highlight how buzzwords like “synergise” or “deep dive” are used to sound professional but often muddle communication. Escaping to freelancing, she now revel in a jargon-free life, working in pajamas far from Zoom calls and “low-hanging fruit.”

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Financial Literacy Course

I just completed an online self-learning course on "Personal Finance and Wealth Management: Strategies for Protection and Growth" offered by Republic Polytechnic through SkillsFuture.

Priced at just $8, I was surprised by the affordability and curious about the content, as courses like this were rare in the past.

Description of the course:
This module aims to equip learners with the essential knowledge on how to protect and enhance their wealth.

Learners will acquire an extensive knowledge of their financial risk profile and gain the necessary skills to make informed decisions on the different types of investment products.

Additionally, learners will be equipped with a deep understanding on how the economic factors and market trends can influence investment decisions, which will further enhance their ability to safeguard and grow their wealth.

Here’s a quick rundown of the 10 modules in the course:

1. Understanding and Preparing a Budget – A practical guide to creating and sticking to a budget.

2. The Role of Savings in Personal Finance – Exploring why saving is a cornerstone of financial stability.

3. Setting Financial Goals and Managing Risks – Defining short- and long-term goals while understanding financial risks.

4. Introduction to Investment Types and FX Markets – A beginner-friendly look at investment vehicles and foreign exchange markets.

5. Equity and Bond Markets – Diving into stocks and bonds, including how they work and their risks.

6. Commodity, Derivatives, and Real Estate Markets – An overview of alternative investment options and their unique characteristics.

7. Loans, Credit Cards, and Debt Management – Strategies for managing debt and using credit wisely.

8. The Role of Insurance in Healthcare – Understanding how insurance protects financial health.

9. CPF Accounts and ESG Factors in Investments – Insights into Singapore’s Central Provident Fund (CPF) and the growing role of Environmental, Social, and Governance (ESG) considerations.

10. Retirement and Estate Planning – Preparing for a secure retirement and organizing your legacy.

=========

My Key Takeaways

While many modules provided valuable insights, a few stood out for their relevance and new information that deepened my understanding of personal finance.

Module 3

I could relate to several types, particularly:

• Exchange Rate Risk: The weakened USD has directly impacted my investments, making me more cautious about currency fluctuations.
  
  
• Interest Rate Risk: With rates dropping below 4%, I’ve noticed reduced returns on fixed-income assets, which has prompted me to rethink my portfolio allocation.
  
  
• Political Risk: Recent leadership changes have made political risk feel especially unpredictable, influencing my investment decisions.

The module also explored factors influencing risk tolerance, which shapes our investor profile—whether we lean toward aggressive, moderate, or conservative strategies.

After reflecting on my own approach, I identify most with the moderate investor profile. I’ve set clear limits on the losses I’m willing to accept in trading and stock investments, striking a balance between seeking growth and protecting my capital.

Module 5
This module introduced me to the characteristics of various types of shares, and one concept that stood out was treasury shares.

I wasn’t familiar with these before—learning that they are shares a company buys back and holds in its own treasury was a valuable insight. This knowledge has helped me better understand corporate financial strategies and their impact on stock valuations.

Module 6
I learned that derivative instruments are financial contracts whose value comes from an underlying asset, index, or rate.

They’re used for hedging, speculation, or arbitrage and can be traded on exchanges or over-the-counter (OTC).

These instruments are powerful for managing risk or optimizing strategies but carry significant risks due to their leverage and complexity. Example: Call Option, Put Option, Protective Put Strategy, Covered Call Strategy.

Understanding their mechanics has given me a new perspective on how they can influence investment portfolios and corporate strategies, making me more mindful of their role in wealth management.

Final thoughts
The self-paced format allowed me to learn at my own convenience, which was perfect for balancing with a busy schedule.

However, I believe the course could be improved by splitting the modules into basic and advanced levels.

Modules on foundational topics like budgeting, savings, debt management, insurance, and CPF are perfect for beginners, serving as low-hanging fruits that everyone should master before tackling riskier areas like investments (modules 3–6).

Additionally, I found it odd that ESG factors were grouped with CPF in module 9. ESG considerations align more closely with investment decisions, as they are a key factor in assessing riskier investments, and should be covered alongside modules 4–6 for better coherence.

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I HIT FRS !!!!!

After months of planning, debating, and weighing my options, I finally took the plunge this morning, in the last week of May, to secure my retirement plan. I’ve been talking about reaching the Full Retirement Sum (FRS) for ages, and now it’s real—my account is set to start earning the max interest from June 1st! (For those curious about why the timing matters, check out this explanation for the details.)

This moment feels like a massive weight lifted off my shoulders. Hitting the FRS milestone ensure my retirement plan is now in place. I am ready now to explore higher-risk investments without the nagging worry of "what if?" It’s a game-changer, and I’m damn proud of myself for getting here!

Why This Matters?

FRS is the amount set by the government that ensures a baseline of financial security in retirement. By hitting this target, I’ve secured a (small) steady stream of income for my later years. I don’t need to top up to meet future FRS amounts each year as the SA account will grow with compounded interest at 4% and likely exceed the yearly FRS (3.5% annual increase).

Why I Decided To Just Top-up?

With no “safe” investment instruments offering 4% or higher interest rates in today’s market, I had to make some tough decisions. Should I throw in my spare cash? Should I wait for a better opportunity? The back-and-forth was exhausting, but I finally decided to act. I pooled my resources, made the necessary contributions, and hit the FRS target just in time for the June 1st interest cycle. It’s tempting to chase quick wins or hold out for “better” options, but sometimes the best move is to secure what’s certain. 

Next Financial Goal

With my HDB paid off and my FRS locked in, I’m excited to shift my focus to my next big financial goal: building a four-figure passive income stream. My aim is to create a reliable, hands-off income of at least $1,000 a month to further boost my financial freedom. I will explore options that align with my risk tolerance and long-term vision.

I’m taking a moment to pat myself on the back—twice! Paying off my HDB and hitting FRS are proof that consistent effort, careful planning, and a bit of courage pay off. I’m not just celebrating numbers; I’m celebrating the freedom, confidence, and possibilities that come with them. To anyone out there working toward their own financial goals: keep going. It’s worth it. And when you hit your milestones, don’t forget to celebrate—you’ve earned it!

Here’s to financial freedom, one step at a time. My next challenge is building that four-figure passive income. 

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Career Coaching - Session 2 & 3

In today’s career coaching session, we dove into two self-assessment tools: the RIASEC model and the Johari Window. These frameworks help me better understand my vocational personalities, strengths, and how I am perceived in professional settings.

Understanding the RIASEC Model

The RIASEC model, developed by psychologist John Holland, categorizes people into six personality types based on their interests and preferences in work-related activities. These types are:

• Realistic: Practical, hands-on individuals who enjoy working with tools, machines, or physical tasks. Think mechanics, engineers, or farmers.
• Investigative: Analytical, curious problem-solvers who thrive in research, science, or technical fields.
• Artistic: Creative, expressive individuals drawn to art, music, writing, or design.
• Social: People-oriented individuals who enjoy helping, teaching, or collaborating. Common roles include teachers, counselors, or healthcare professionals.
• Enterprising: Confident, persuasive leaders who excel in business, sales, or management.
• Conventional: Detail-oriented, organized individuals who prefer structured environments like accounting, administration, or data management.

Understanding the RIASEC profile helps clarify which work roles, tasks, and environments align with my natural inclinations. This self-awareness supposed to help in choosing a career path that feels fulfilling and plays to my strengths.

My RIASEC Results

My RIASEC assessment revealed that my top career interests are Conventional, Investigative, and Artistic. At first glance, this combination felt a bit contradictory.

Conventional: I scored high here, which suggests I thrive in structured, organized environments. I don’t enjoy data management or accounting (who does, really?), but I love having clear processes and systems in place, especially in my project management work. This makes sense—structure helps me clear my mind and priortise while managing complex tasks.

Investigative: This aligns perfectly with my current role that deal with R&D projects, where I collaborate with scientists and tackle complex problems. I’ve always been curious and enjoy diving into the “why” behind things, so this result feels spot-on.

Artistic: No surprise here! I’ve always been drawn to creative tasks, whether it’s designing presentations, brainstorming innovative solutions, or finding new ways to communicate ideas. This creative streak complements my investigative side, even if they seem like an odd pair.

The most surprising result was my Skills Confidence in Artistic, Conventional, and Enterprising areas. I expected Artistic and Conventional, but Enterprising threw me off. Enterprising types are confident, persuasive, and leadership-oriented—qualities I don’t immediately associate with myself. I’ve never seen myself as a natural salesperson or someone who thrives on persuading others. However, reflecting on my project management role, I can see how I’ve had to rally teams, pitch ideas, and take charge of initiatives. Maybe there’s an enterprising spark in me after all?

What About My Work Values?

The RIASEC assessment also highlighted my core work values: Lifestyle, Co-Workers, and Independence. 

Lifestyle: This value indicates that I prioritise a career that supports my desired way of living. For me, this means having flexibility to balance work with personal interests, such as time for creative hobbies or family. A job that demands constant overtime or rigid hours might not suit me, even if it aligns with my skills.

Co-Workers: I value positive, collaborative relationships in the workplace. Working with supportive, like-minded colleagues who share ideas and foster a sense of community is important to me. This explains why I enjoy my current role, where I collaborate closely with scientists and other team members.

Independence: This value reflects my preference for autonomy in my work. I thrive when I have the freedom to make decisions, set my own pace, and approach tasks in my own way. While I enjoy collaboration, I also need space to think creatively and work independently.

Together, these values suggest I’m looking for a career that offers flexibility, strong team dynamics, and room to take ownership of my work. 

The Johari Window: A Complementary Perspective
While RIASEC focuses on vocational interests and values, the Johari Window is a tool for understanding how we perceive ourselves and how others perceive us. It’s a grid divided into four quadrants:

• Open Area: Traits and behaviors known to both you and others (e.g., your punctuality or creativity).
• Blind Area: Things others see in you that you’re unaware of (e.g., maybe you’re more persuasive than you think!).
• Hidden Area: Aspects you know about yourself but keep private (e.g., personal goals or insecurities).
• Unknown Area: Traits or potential neither you nor others are aware of yet.

In our coaching session, we used the Johari Window to explore how my self-perception aligns with feedback from colleagues. The Open Area was straightforward—colleagues and I agree on traits like my organizational skills and creativity, which align with my RIASEC results. However, the other quadrants revealed some surprises:

• Blind Area: Colleagues consistently mentioned that I can do sales and BD work, which caught me off guard. I don’t enjoy sales at all, and I don’t think I’m good at it! This feedback likely ties to my Enterprising RIASEC score, but it’s something I’m still grappling with. It’s possible they see my ability to pitch ideas or rally a team as persuasive, but I’m not ready to embrace a sales role anytime soon.
• Hidden Area: One thing I keep private is how stressed I get when presenting to large groups of strangers. Everyone thinks I’m confident but inside, I’m battling with thoughts like "Do I sound like an idiot to them?" "Am I confusing them even more?". Sharing this with my coach was a step toward addressing it—maybe I can work on strategies to feel more at ease.
• Unknown Area: This quadrant is trickier because, by definition, it’s about traits or potential no one knows about yet. I’m still unsure how to uncover this area—how do you discover something unknown to both you and others? My coach suggested that new experiences, like taking on unfamiliar roles or seeking mentorship, might reveal hidden strengths. For now, this quadrant feels like a mystery I’m curious to explore.

My coach has also advised me to do some volunteering work once I start studying full-time, since I thrive on community to stay energized. Long-term isolation at home isn’t great for my growth, and engaging with others through volunteering could keep me connected and inspired.

This concludes this week’s session. We’ll continue exploring in the next two sessions on June 7!

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Navigating Frustration at 2 AM

 

It’s 2 AM, and I’m sitting here, exhausted, having just wrapped up another grueling overtime night. I’m five weeks away from leaving this job—I’ve already resigned, ready to move on to new horizons—but tonight, I’m drowning in frustration. There’s this one client who’s been a thorn in my side, making every task feel like a battle. They’re the kind who don’t appreciate the effort you put in, who flip-flop on decisions every few hours, and who treat you like a vendor rather than a partner. They’re paralyzed by fear, demanding overpreparation and perfection while offering zero respect or support. Tonight, as I rushed through last-minute changes, I felt my blood boil. It’s not just annoying—it’s soul-crushing. But as I sit here, venting into the void, I’m trying to find some light in this mess. Here’s my attempt to make sense of it all, and maybe, just maybe, find a silver lining.

First off, let me paint the picture. This client is the type who sends vague, panicky emails at all hours, expecting miracles. Every request feels like a moving target—one minute they want X, the next it’s Y, and by the time you’ve scrambled to deliver, they’re back to X again. It’s like they’re allergic to clarity. And the worst part? They don’t see you as a person with expertise or value—just a cog in their machine. I’ve spent hours overpreparing and rushing to meet impossible deadlines, all while feeling like I’m shouting into a void. No downtime, no appreciation, just more demands. It’s no wonder I’m counting down the days until I’m free from this job.

It’s a reminder that I deserve better—a project where my efforts are valued, where I’m not treated like a punching bag for someone else’s indecision. But as I sit here, still fuming, I’m trying to take a step back. Is there anything positive I can salvage from this? Can this exhausting, infuriating experience teach me something?

Here’s what I’ve come up with, in the hopes of turning this 2 AM rant into something less soul-destroying:

1. I’m Building Resilience 
   
   Dealing with this client is like running an emotional marathon. Every late-night email, every last-minute change, is a test of patience and endurance. But here I am, still standing, still getting the work done. This experience is sharpening my ability to stay calm under pressure, to adapt on the fly, and to keep going even when I’m running on fumes. That’s a skill I’ll carry with me, no matter where I go next.
   
   
2. I’m Clarifying What I Want
   
   If this client is the epitome of what I don’t want in my work life, they’re also helping me define what I do want. Respect, collaboration, trust—these are non-negotiables for my next chapter. This frustration is like a compass, pointing me toward a future where I seek out clients and colleagues who value my work and treat me like a partner, not a servant.
   
   
3. I’m Proving My Work Ethic
   Even in the face of this chaos, I’m showing up. I’m putting in the hours, delivering quality work, and meeting deadlines despite the odds. That’s something to be proud of. It’s a testament to my professionalism and dedication, and it’s a reminder that I have the grit to handle tough situations. Future employers or clients will benefit from that strength.
   
   
4. I’m Growing in Self-Awareness
   This experience is teaching me to recognize my triggers—disrespect, lack of support, chaotic communication—and how they affect me. By understanding what sets me off, I can better manage my reactions in the future. Maybe I’ll even develop strategies to defuse these situations before they spiral into 2 AM frustration sessions.
   
   

As I write this, I’m still annoyed. The exhaustion hasn’t faded, and the thought of dealing with this client again tomorrow makes my stomach churn. But reflecting on these positives helps me feel a little less “shitty,” as I put it earlier. This project, this client, this moment—they’re all temporary. In five weeks, I’ll be free, carrying these hard-earned lessons into a new chapter. For now, I’ll take a deep breath, maybe make a cup of tea, and remind myself that I’m tougher than this frustration. I’ve got this.

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My Night at Lady Gaga’s Mayhem Tour

Yesterday, May 19, 2025, I joined thousands of Little Monsters at the Singapore National Stadium for Lady Gaga’s Mayhem Tour, her first Singapore show in 13 years. The buzz was electric, the energy was wild, and the concert was nothing short of a theatrical masterpiece. But as much as I was swept away by Gaga’s performance and the vibrant fan culture—especially the fabulous drag queens from the Philippines and Thailand—the venue left a lot to be desired. 

Before the concert even started, the atmosphere outside the National Stadium was a spectacle in itself. Fans showed up in full Gaga regalia—think lace, leather, and sky-high platform boots. The real stars of the pre-show, though, were the drag queens from the Philippines and Thailand, who turned the concourse into a runway.  It was like a mini Met Gala, with fans screaming and snapping photos as these queens strutted their stuff. The inclusivity and creativity were pure Gaga spirit—everyone was there to celebrate individuality, and it set the perfect tone for the night.

A Theatrical Masterpiece in Five Acts

Once Gaga hit the stage at 8:30 PM, 30 minutes after the scheduled start, the concert unfolded like a dramatic five-part opera, chock-full of 22 old and new hits. Directed by Gaga and choreographer Parris Goebel, the show was a journey through themes of duality and inner chaos, with each act delivering a distinct narrative and aesthetic. It wasn’t just a concert—it felt like a Broadway production with pop anthems. The setlist blended new tracks from Mayhem (like “Disease”, "Garden of Eden", “Abracadabra”, "Killah" - my favourite!) with classics like “Poker Face,” “Bad Romance,” and “Born This Way.” Each act had stunning visuals—pulsating strobe lights, giant Greek-style columns to a sand pit and a skull-covered piano. The interludes, with magnetic dancers performing tight choreography, kept the energy high while Gaga changed costumes.

Speaking of costumes, Gaga’s wardrobe was a spectacle of its own. She kicked off the show in an exaggerated towering red Tudor gown, launching into an orchestral rendition of her 2011 hit “Bloody Mary” that set a dramatic tone. After each interval, she reappeared in a new look—armoured bodysuits that screamed futuristic warrior, feathered wings that gave an angelic yet edgy vibe, and flowing trains that billowed across the stage. Every outfit was a bold statement, amplifying the show’s operatic grandeur and leaving me in awe of her creative vision.

Vocals That Stole the Show
Let’s talk about Gaga’s voice—because wow, this woman can sing live. Her vocal power was undeniable, especially during slower moments like “Shallow” from A Star Is Born and “Die With a Smile,” her Grammy-winning duet with Bruno Mars. These ballads showcased her raw, gutsy delivery, cutting through the stadium with emotional intensity. Her voice didn’t falter once, even with the high-energy dance numbers like “Alejandro” and “Applause.”

Venue Nightmares: Hot, Loud, and Trapped
Now, the not-so-great part: the Singapore National Stadium was a letdown. I paid S$238 for a seat in block 405, which was described as “exposed to weather elements.” Exposed is an understatement—it was stiflingly hot, despite the stadium’s touted innovative under the seat air-cooling system. The retractable roof didn’t seem to help, and I was sweating buckets all night. Worse, the sound system was a mess. The music was so loud that it drowned out Gaga’s vocals at times, making it hard to fully appreciate her performance. From block 405, the stage felt miles away, and the audio issues made it even less immersive.

To top it off, our section had only one way in and out, with a barricade on the other side. Getting a drink or stepping out for some air was a logistical nightmare, especially with the crowd. I felt trapped, and it definitely dampened the experience. For S$238, I expected better—standard tickets ranged from S$148 to S$368, and my seat was nowhere near worth the price. Next time, I’m avoiding the 400 and 600 blocks entirely. My next concert I will aim for lower-tier seats closer to the stage for better sound and comfort.

Was It Worth It?
Despite the venue woes, Gaga’s performance was a once-in-a-lifetime spectacle. The five-act opera, breathtaking costumes, and powerhouse vocals made it unforgettable. Critics have called it “a theatrical experience that transcends the traditional concert format,” and I agree—it was like watching art come to life.

But at S$238 for a subpar seat, I can’t say it was entirely worth the price. Compared to other concerts, like Bruno Mars (S$108–S$488) or Taylor Swift (S$88–S$1,228), Gaga’s tickets were mid-range, but the venue issues in block 405 made it feel overpriced. If I could do it again, I’d splurge on a closer seat or wait for resale deals, as some tickets dropped to S$280 from S$328 closer to the date.

Paws up, Little Monsters—let’s keep the magic alive!

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How the USD Rate Impacts US Bond Yields

 What Are US Bond Yields and the CSOP USD Money Market Fund?

A bond is like a loan you give to the US government or a company. In return, they pay you interest, called the bond yield. The CSOP USD Money Market Fund is an investment that puts your money into short-term, low-risk US bonds or similar assets. It gives you a small but steady return, often in US dollars.

The USD rate is how much the US dollar is worth compared to other currencies, like the Singapore dollar (SGD). If 1 USD = 1.35 SGD, the USD is strong. If 1 USD = 1.20 SGD, it’s weaker. This rate affects bond yields and your investments.

How Does the USD Rate Affect Bond Yields?

When the USD Is Strong
A strong USD means it’s worth more compared to SGD or other currencies. People from all over the world want to buy US bonds because the US is seen as a safe place to park money. When lots of people want bonds, the US doesn’t need to offer high interest to attract buyers, so bond yields go down.

Example: Strong USD (1 USD = 1.40 SGD)

In 2023, the USD was strong due to high US interest rates and global demand for safe assets. Let’s say if we invest SGD 10,000 in the CSOP USD Money Market Fund. At 1 USD = 1.40 SGD, our SGD 10,000 becomes USD 7,143.

If US bond yields are low (say, 2% because the USD is strong), our USD 7,143 might earn USD 143 in interest per year.

When convert that interest back to SGD (USD 143 × 1.40), we get SGD 200.20. But if yields are low, our returns feel smaller in SGD.

When the USD Is Weak (Current Situation)
A weak USD means it’s worth less compared to SGD. Fewer people might want US bonds because their money doesn’t stretch as far. To attract buyers, the US offers higher bond yields, so you earn more interest.

Example: Weak USD (1 USD = 1.20 SGD)

Imagine in 2021, the USD weakened due to global economic recovery. We invest SGD 10,000 in the CSOP USD Money Market Fund. At 1 USD = 1.20 SGD, your SGD 10,000 becomes USD 8,333.

If bond yields are higher (say, 4% because the USD is weak), our USD 8,333 earns USD 333.33 in interest per year.

Converting back to SGD (USD 333.33 × 1.20), we get SGD 400. That’s more than the SGD 200.20 from the strong USD example!


As of today, the USD is relatively weak, with an exchange rate of 1 USD = 1.2994 SGD. Here’s what’s happening:

US Bond Yields: The 10-year US Treasury yield is around 4.48%, high due to US government borrowing and inflation concerns (e.g., potential tariffs raising prices).

CSOP USD Money Market Fund: The fund likely earns 3–4% annually on its safe, short-term investments. With a weaker USD, our SGD buys more USD, and high yields boost your returns.

Federal Reserve: Interest rates are at 4.25%–4.50%, with possible cuts later in 2025. If rates drop, bond yields might dip slightly, affecting the fund’s returns.

The USD rate and US bond yields work like a seesaw—when the USD weakens, yields often rise, and our SGD buys more USD. Right now, with 1 USD = 1.2994 SGD and high yields (4+%), I am putting my funds to CSOP USD Money Market Fund.


Disclaimer: This post is for informational purposes only and does not constitute financial advice. Please consult a qualified financial advisor before making any investment decisions.

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A Hard Day to Announce Farewell

Today was a difficult one. I finally shared the news with my team: I’ve resigned, and my last day will be the end of June. As the words left my mouth, I felt a weight lift, but it was quickly replaced by a heavier one—sadness and worries for the people I’m leaving behind.

We’re a small, tight-knit team, sometimes feel more like a family than just colleagues. Over the years, we’ve disagreements with each other, celebrated wins, navigated challenges, and built something truly special together. So, when I saw their sadness and shock, it hit me hard.

One team member was particularly upset. The rest of the team, while supportive, seemed deflated, and I could sense a creeping demoralization settling in. I’m worried that my departure might spark a chain reaction, with others questioning their own place here. That thought gnaws at me.

The day dragged on, heavy with emotion. There were long conversations about what’s next—for me, for them, for us. I tried to reassure them, to remind them of their strength and the incredible work they’ll continue to do. But words feel hollow when you’re the one walking away.😞

I know I need to do this. This move is about growth, about chasing a path that’s right for me. But that doesn’t make it easier. Today, I’m carrying both the relief of being honest and the ache of letting go.

As I head into these final weeks, I’m determined to leave on a high note. I want to support my team, lift their spirits, and ensure they feel ready to carry on without me. They’re resilient, and I believe in them, even if they are doubting if they can continue to deliver the projects.

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Career Coaching - Session 1

Today I attended my first career coaching session ("Career Health Check and Planning Programme") offered by Ingeus and funded by SkillsFuture. As someone who’s been feeling a bit lost about my career path, this session felt like a much-needed starting point to gain clarity and direction.

At this stage in my life, I’ve realised I’m not entirely sure what I want to do professionally. I have interests, skills, and experiences, but piecing them together into a coherent career plan feels impossible. I needed someone to guide me through the process—someone who could ask the right questions, challenge my assumptions, and help me uncover what truly matters to me. That’s where a career coach comes in. Unlike trying to figure it out alone or relying on well-meaning advice from friends, a career coach offers structured, professional guidance tailored to my current stage of life.

My first session was pleasant. It lasted a full hour—longer than the usual 45 minutes—because I had so much to share and so many questions to ask. The extra time flew by as we dove into my thoughts, aspirations, and uncertainties. The session felt like a safe space to open up, and I left feeling energized and hopeful.

My coach is an experienced professional who immediately put me at ease with her warm and approachable demeanor. She took the time to explain the distinctions between a career coach, a life coach, and a counsellor, which was incredibly helpful. For those curious:

• A career coach focuses on professional goals, helping you navigate job searches, career transitions, or skill development.
• A life coach takes a broader approach, addressing personal growth, life balance, and overall well-being - usually people in senior management or leadership role. That is why it is extremely expensive.
• A counsellor typically works on emotional or psychological challenges, often diving deeper into mental health.

This clarity helped me understand that career coaching was exactly what I needed to tackle my professional uncertainties.

My coach outlined what we’ll cover over the next seven sessions, and I’m already excited about the journey ahead. The program is designed to be a comprehensive “career health check,” which includes assessing my strengths, identifying jobs that are currently in demand (new word I learned today: "Human Machine Interface") , exploring potential career paths and creating a concrete action plan. We’ll dive into topics like identifying my values, refining my resume, and even ways to connect and network. The structured approach feels reassuring, like a roadmap to guide me through the fog.

I will document my thoughts and review the next few sessions. 

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