August 5, 2021

23 thoughts on “My Personal Finance Story (Part 1) – Started Earning Young, But No Savings!

  1. Hi rolf,

    Wah, seems like you're destined for great things at a young age 🙂 I think thankfully you didn't fall into bad company and stay there, otherwise you might be gangster head lol

    Looking forward to your part 2 😉

    1. Hi LP,

      The greatest thing I done then, is to leave my group of friends, when I shifted house. Most of them ended behind bars I heard subsequently. Lucky HP is not common then, not even pager, so we lost contact.

      I am at the airport writing this comment, so part 2 will come later. Anyway, this post is inspired by your post. My wife also says you write beautifully.

  2. Hi Rolf,

    Thanks for sharing. Your story made me realized how fortunate I am. I can relate to the games you were playing but I did not have the 'entrepreneurial' mindset to profit from it. I did exchange it for stuff I want – that's when I did my first barter. I only started to make some money during the introduction of 名星卡. However, that's more of a gamble – I remember spending many fifty cents, and using a torch light to 'sniff' out the rare shiny cards.

    I look forward to part 2.

    1. Hi Derek,

      Diff people go through diff background. 🙂 We are all lucky to be Singaporeans. Happy family is extremely enviable!

      I envy n thank u for doing so much good to the financial blogger-sphere now. Just hope Singapore can be strong for generations after generations.

      Haha, I know about the "Ming Xing" Card. Vivien Chow is all the boy's favorite.

  3. Rolf : Very inspiring sharing.. We all start from different beginning and I must say that my beginning is much fortunate than yours. One thing I am sure is that you are heading for a great and bright direction…

    Waiting for the second part…

    1. Hi Richard,

      Thanks for the encouragement. Blogging brings lots of bright direction for me, I must say. I am happy to start blogging and know all you bunch of great bloggers. You are one of the most positive and passionate bloggers around. Continue to generate great postings.

  4. Rolf,

    Compared to you, I had a very privileged up-bringing, me with my HDB 3 room growing up years 😉

    I see you killer-instincts were developed at a much earlier age than mine.

    We have "played" on the streets 😉

    1. Hi SMOL,

      I am more privileged than u. I have stayed all 1,2,3,4,5-room flat before! Hahaha.

      Yes, we have "played" on the streets 😉
      Same school some more…

      Those were the days!

  5. Hi Rolf,

    I'm inspired by your story. You've been through tough times which made you who you are today. Looking forward to more of your sharing 🙂

    1. Hi SGYI,

      Thanks for dropping by.

      When the going gets tough, the tough get going!

      Guess that is what makes Singapore today.

  6. Hi Rolf

    It's interesting to see that many of us at a young age had this entrepeneruial spirit which defined who we are today. I sold stickers on soccer and wrestling as well as trade marbles and erasers. Was very good at it so it brings back good memories. Who knows we might even be rivals at one point in time.

    As far as l1r5 is concerned you are way too good. I completely lost out on that 😉

    1. Hi B,

      Those good old days will remain in us forever.

      Hehe..rivals mentally yes… but physically maybe not. Those good old stuffs started and ended in the 80s for me. 🙂

      The L1R5 was entirely unexpected for me. Luck plays a big part!

  7. Hi Rolf,

    Thanks for sharing and I can relate to your story. Looking forward to part 2 🙂

    1. Hi Joyce,

      Thanks for dropping by. I will be more than appreciative for reading my blog already, let alone u people so kind to give comments!

  8. Hi Rolf,

    Abit late but boy am I glad to have read this post.

    Although I come from a relatively more "privileged" background than you, certain things do resonate. Like the folding of "shopping paper/plastic" bags. Even back then, I knew it was "peanuts" but I just wanted to help my Mum clear the stack. Oh well… those were the days when a dollar mattered so much.

    Looking forward to your Part 2 and you are really a true successful Singapore story!

    1. Hi 15HWW,

      Ah… the paper bags were taking up so much space at home! Yes, every dollar counts.

      I remember Mum is always bargaining when buying things.

      I think more like Singapore Success Story is over-rated. More like Singapore Scary Story.

      Anyway I think all the bloggers in our blog-sphere here deserve a big clap for spreading good to the society!

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