In Singapore, we treat the “grind” like a national sport. We measure success by the upgrade from an HDB to a condo, the prestige of the country club, and the brand of the car in the driveway. But take a look at the faces on the MRT at 8:00 AM. Does that look like winning? We’ve become a city of HENRYs—High Earners, Not Rich Yet—exhausting ourselves to maintain an image of prosperity while our soul health and physical vitality sit in the red. True wealth isn’t about the logos you wear; it’s about the ownership of your time. It is the transition from a scarcity mindset—where you’re always one step behind the “Joneses”—to an abundance mindset, where your life feels so good that you no longer feel the need to chase status. After years of analyzing capital growth and lifestyle outcomes, I’ve realized that the path to a “luxurious”...