Chatting with one of you the other day over a kopi C (that’s coffee with evaporated milk for my dear non-Singaporean readers) made me realize that you might have gained the wrong perception of me.

You might believe that due to my heavy weightage of posts on investing and our biggest flaw in investing (our emotional brain) I might be somehow skilled in finding lucrative investments.

Sorry to disappoint you all.

My early retirement is not a tale of great investing glories.  It’s merely a story of stumbles and falls (in regards to my stock picking skills).  My nest egg is mainly active earned income combined with some frugal spending and extrapolated by the magic of compounding.

And lots of dumb luck! 

Those stories we tell ourselves

We humans love to tell stories to ourselves and others about past successes being the result of skill rather than …