I Quit the Rat Race

In 2018, I quit the rat race. I was an associate director of a prestigious private bank, got my CFA and was earning a good 6-figure income.

In 2018, I quit the rat race.

I was an associate director of a prestigious private bank, got my CFA charterholder and was earning a good 6-figure income.

But somehow deep down inside, something was missing.

I was uncomfortable with the rigid structure and politics of banking.

And I was just tired of pouring through the endless restructuring of bankrupt companies that had lost clients so much money.

Knowing myself as a quiet worker, I realized the harder I worked, the more burnt out I got. My face would look crumpled, back shoulders tense and sometimes, I didn’t even dare look at my work phone. Some nights before I sleep, I get heart palpitations and sweaty palms.

The toughest thing about this was I loved financial markets, yet I knew I couldn’t survive the corporate world.

The truth was, I felt I was always exchanging my time away for a paycheck.

On the side, I kept saving and investing (this saved my life).

When I knew I was financially secure with a comfortable 6-figure portfolio (you don’t need $million btw), I left.

Today, I’m a full-time investor, grew a financial blog to more than 30,000 readers a month, been invited to speak at conferences (Singapore Exchange, Invest Fair, REIT Symposium), featured on news media (Channel News Asia, Yahoo! Finance, CNA938 Live, MoneyFM89.3) and became a regular radio guest host.

Along the way, I’ve also helped more than 240+ of my Diligence community members grow their portfolios (some up to $100k dividends). More importantly, I finally fulfilled my personal mission to help my mom build a retirement portfolio.

I enjoy what I do – choosing how I want to spend my life and time. And not get beholden by a big organization.

Now, I want to share 2 key lessons along the way:

  • No one looks after your money better than yourself.
  • It’s not worth exchanging your time to build other people’s work

How are you working toward your own dreams and goals? 😊

Share with me in the comments. I love to know!

Sometimes, investing can be simple. 

Willie Keng, CFA

Founder, Dividend Titan

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2 months ago

Hi DT,

Coincidentally 2018 was the year that I tendered my resignation. I remember it very clearly. I had by then worked 32 years and was financially independent. Children have grown up and working. Our passive income in that year was $177K which was more than our projected annual expense.

However my path could not be more different from yours. I was persuaded by senior management to stay on. So I stayed on and its been already 5+ years since. Time flies.

That five years of continued employment made quite a significant impact (contribution) to our networth and passive income. Suffice to say our passive income last year (2022) was $227K and this year’s passive income likely to hit $250K.

And the story gets better. I was offered and accepted a contract to extend my employment for another five years effective next year when I turn 63.

I am taking each day as it comes.

2 months ago

Thank you for being such an inspiration DT! Looking forward to more articles!

2 months ago

Hi DT,

I am in my early 40s and have been trying to build a portfolio for passive income over the past 3 years. I started small in 2020 and made a small profit. So I built up courage and went in more in 2021. It was a mistake as I was simply buying random stocks and not doing enough due diligence. Fast forward today, I am sitting on 100k net losses with a passive income of 30k for 2023. I am earning a reasonable income and aim to deploy 50k + dividend received on a yearly basis until my passive income hits 60k. After which I would consider buying a second property in Singapore.

Been reading your blog along with other financial blogs and enjoy your reading.

Thank you for all your sharing!

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