Join us on a weekly journey of personal finance series through the lenses of Mr Kiam Siap as he navigates through very real struggles and issues faced by many Singaporeans at a certain stage of life! This series has also been documented on our Facebook and Instagram so do follow us on our social media platforms! With 2020 coming to a close, let us reflect on how we have spent the year. Did we fruitfully use the extra time on our hands to grow and seek new opportunities, challenges, and adventures or choose to live life within our comfort zone? In this journey with Mr Kiam Siap, we explore how one can be faced with 2 different mindsets and all it takes is a decision of choice. Let us know what you think in the comments section!      If you enjoyed this article, don’t forget to follow us on