In Part 1, we walked through how Adeline Tiah moved from two decades of corporate marketing leadership into a hybrid retirement built on her own terms. That transition wasn’t accidental – it was the result of intentional financial planning, disciplined habits, and smart money management. Here are five lessons from her journey, along with action tips you can apply to your own financial future.

1. Pay Yourself First: Mastering Cashflow for Financial Security

The Lesson: Adeline started her financial planning journey in her 20s, maintaining healthy money habits by saving diligently and living within her means. As her career advanced and income increased, she managed lifestyle inflation wisely, ensuring her savings and investments grew alongside her earnings. These habits continue to serve her well today, especially as an entrepreneur where income can sometimes fluctuate. How She Did It:

• Lived within her means while still enjoying life
• Prioritised saving before spending
• Made conscious financial decisions and practised mindful spending

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