{"id":2345,"date":"2026-10-28T07:29:16","date_gmt":"2026-10-28T07:29:16","guid":{"rendered":"https:\/\/kensmartips.com\/finance\/?p=2345"},"modified":"2026-10-28T07:29:16","modified_gmt":"2026-10-28T07:29:16","slug":"financial-literacy-in-36-minutes-everything-singapore-never-taught-you-about-money","status":"publish","type":"post","link":"https:\/\/kensmartips.com\/finance\/?p=2345","title":{"rendered":"Financial Literacy in 36 Minutes: Everything Singapore Never Taught You About Money"},"content":{"rendered":"<p><iframe loading=\"lazy\" width=\"480\" height=\"270\" src=\"\/\/www.youtube.com\/embed\/6hafCY5lZgg\" frameborder=\"0\" allowfullscreen><\/iframe><\/p>\n<p>Sign up for moomoo and enjoy up to S$1200* new user rewards, which includes S$100* NVDA share: https:\/\/start.moomoo.com\/0zUQAi <\/p>\n<p>If you\u2019ve already downloaded the moomoo app but haven\u2019t completed your initial deposit, simply search for \u201cSpecial Deposit\u201d and enter my exclusive promo code \u201cSHAO88&#8243; to unlock the rewards.<\/p>\n<p>I achieved financial freedom at age 38 despite not being taught much about money from my schools or family. <\/p>\n<p>I share all the financial literacy I have learnt in the last 15 years of working as a Singaporean and the financial mistakes I made that you should avoid.<\/p>\n<p>1:01 My 4 Financial Principles<br \/>\n1:11 The 3 Financial Stages Of Our Lives<br \/>\n2:40 You cannot get rich by renting out your time<br \/>\n3:35 You cannot out-earn your bad money habits<br \/>\n4:08 Money is a game and anyone can get better at it<br \/>\n5:23 The 4 SG Money Personalities<br \/>\n7:38 Your Job is your #1 Weapon<br \/>\n8:23 Biggest job mistake of Singaporeans<br \/>\n8:51 Is MBA worth it in SG?<br \/>\n11:19 3 categories of Investments<br \/>\n12:23 My own investment portfolio<br \/>\n15:37 Passive income is not passive<br \/>\n17:45 Defense Strategies<br \/>\n18:21 Everyone hates Budgeting<br \/>\n20:08 Savings wont save you<br \/>\n22:26 Singaporeans saves too much<br \/>\n25:31 Why I don&#8217;t buy ILP<br \/>\n26:12 The insurance I bought<br \/>\n26:33 Investments<br \/>\n28:04 Good debt vs bad debt<br \/>\n29:13 Credit Cards<br \/>\n30:19 Pay off loans of start investing?<br \/>\n31:08 Scams &amp; Get Rich Quick Schemes<br \/>\n32:35 Housing<br \/>\n33:30 Lifestyle Inflation<br \/>\n34:21 Taxes<\/p>\n<p>\ud83d\udc49WATCH THESE NEXT:<br \/>\n10 Ways Singapore helped me achieve financial freedom ($2M at 38)<br \/>\n<iframe loading=\"lazy\" title=\"10 Ways Singapore helped me achieve financial freedom ($2M at 38)\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/qqrUOPxiLDU?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<p>\ud83d\udc68\u200d\ud83d\udcbbWho am I?<br \/>\nHello I&#8217;m Shao! I am an ex-Googler who has achieved financial freedom simply by working at my 9 to 5 job. I believe anyone working 9 to 5 can achieve a rich and fulfilling life.<br \/>\nAnd on this channel we explore the mindset, career skills and lifestyle designs to become financially free with a 9 to 5 job.<br \/>\nI am committed to share with you my authentic self and create original content. No fluff, no shortcuts, no BS.<\/p>\n<p>\u2615\ufe0f BE MY FRIEND<br \/>\nhttps:\/\/www.linkedin.com\/in\/shaochunchen\/<\/p>\n<p>#financialliteracy #money #Singapore #investing #Moomoo<\/p>\n<p>Moomoo Singapore is the sponsor of this content. Shao Chun is not licensed to provide financial advisory services in Singapore. This content is for informational purposes only, does not constitute financial advice, and reflects Shao Chun&#8217;s independent opinion. Please conduct your own research and invest according to your personal risk tolerance. This advertisement has not been reviewed by the Monetary Authority of Singapore<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sign up for moomoo and enjoy up to S$1200* new user rewards, which includes S$100* NVDA share: https:\/\/start.moomoo.com\/0zUQAi If you\u2019ve [&hellip;]<\/p>\n","protected":false},"author":0,"featured_media":2346,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2345","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kensmartips.com\/finance\/?p=2345\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financial Literacy in 36 Minutes: Everything Singapore Never Taught You About Money - FINANCE\" \/>\n<meta property=\"og:description\" content=\"Sign up for moomoo and enjoy up to S$1200* new user rewards, which includes S$100* NVDA share: https:\/\/start.moomoo.com\/0zUQAi If you\u2019ve [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/kensmartips.com\/finance\/?p=2345\" \/>\n<meta property=\"og:site_name\" content=\"FINANCE\" \/>\n<meta property=\"article:published_time\" content=\"2026-10-28T07:29:16+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/kensmartips.com\/finance\/wp-content\/uploads\/2026\/10\/ytb_thumb-61.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"480\" \/>\n\t<meta property=\"og:image:height\" content=\"360\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/kensmartips.com\/finance\/#website\",\"url\":\"https:\/\/kensmartips.com\/finance\/\",\"name\":\"FINANCE\",\"description\":\"Your Best Finance Guide\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/kensmartips.com\/finance\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/kensmartips.com\/finance\/?p=2345#primaryimage\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/kensmartips.com\/finance\/wp-content\/uploads\/2026\/10\/ytb_thumb-61.jpg\",\"contentUrl\":\"https:\/\/kensmartips.com\/finance\/wp-content\/uploads\/2026\/10\/ytb_thumb-61.jpg\",\"width\":480,\"height\":360},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/kensmartips.com\/finance\/?p=2345#webpage\",\"url\":\"https:\/\/kensmartips.com\/finance\/?p=2345\",\"name\":\"Financial Literacy in 36 Minutes: Everything Singapore Never Taught You About Money - 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