EP 101 - The ABSOLUTE BEST Way to Invest Your Money with Chloe's Expert Advice

💰 The ABSOLUTE BEST Way to Invest Your Money | Expert Tips with Chloe Lin

Want to know how to make your money work smarter — not harder? In this eye-opening episode of the Let’s Talk Clarity Podcast, we’re joined by Chloe Lin, one of Singapore’s most trusted investment educators and financial speakers, who shares her powerful journey and proven strategies for smart investing.

🎙️ Chloe Lin went from a career in journalism to corporate training, and then made the bold leap into the world of investing and wealth creation. Today, she’s a renowned investor, educator, and speaker in Singapore, helping thousands build financial freedom.

✅ The #1 investing strategy Chloe recommends for beginners
✅ How to build long-term wealth — even with a small amount of money
✅ Why index funds (like the S&P 500) are a smart place to start
✅ Chloe’s personal investing journey & career transformation
✅ Actionable tips to start investing with confidence today

If you're confused about where to start, overwhelmed by options, or just want clear, practical investment advice — this episode is your roadmap.

📈 It’s not about timing the market, it’s about time in the market.

🌟 Learn how to invest with purpose, clarity, and long-term vision — directly from Chloe Lin.

#InvestingForBeginners #ChloeLin #LetsTalkClarity #SmartInvesting #FinancialFreedom #IndexFunds #WealthCreation #MoneyTips #SingaporeInvestor #PassiveIncome #PersonalFinance #SP500 #WomenInvestors #InvestmentTips #CareerShiftSuccess

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Transcript

0:00

Everybody interacts with money in different stages of life. No matter how much I save, my bank account just doesn't seem to be growing at all. I just felt that if the bank account wasn't growing, what other ways can I improve on my finances? How come there are people who can be successful but how come I'm losing money? The problem must be in me. How you are managing means working also and then investing also. How you are managing that time fall. In love with I think creating wealth. Creating wealth. Creating wealth. I don't want to just be saving money. I want to think how can I grow my money? In the whole this journey of training and teaching people how to invest, where were your investments the past few years? As I was working full time with my former company, I also built up my own following. I also built up the kind of community that really love my way of teaching and sharing. How to grow your influence, how to build your brand. One of the way is to model after successful creators, right? Because every success leads people say don't do it. These are risky. Your money will be gone. And lot many things were going around in the market. Yeah, how you will answer that? Today's guest is amazing Chloe, an investor, educator and content creator who went from humble beginnings in China to becoming a powerful voice in financial education. In this honest conversation, Chloe shares how how she overcame a scarcity mindset, shifted from journalism to investing, and found financial freedom through self learning, mentors and sheer grit. Whether you are just starting your wealth journey or thinking of making a big leap in your career, this episode is packed with practical wisdom, real life stories and motivating insights to empower you to take control of your financial future and personal growth. Let's get into it. Hello everyone. Before we dive into today's episode, I just want to take a quick moment to say thank you. From the bottom of my heart. Thank you for being part of this journey. Whether you have watched 1 episode or 100, drop a comment or share it with a friend, your support means a lot to us. Because of you, we are now going global. Recorded episode across four countries and seven cities and yes, we just hit our 100th episode. If you have been loving the content and want to see more powerful stories of career transformation and life fulfillment, do us a quick favor. Subscribe to the channel, Share this podcast with at least 10 people and drop a comment telling us which guest you'd love to see next on let's Talk Clarity. Let's keep spreading clarity and hope one story at a time. I'm Rakesh Mathuria, your coaching business mentor and host of the let's Talk Clarity podcast. Now sit back and enjoy the episode. Welcome to let's Talk Clarity podcast and today we are having a very special guest with us, Chloe. So first of all, let's welcome Chloe on the show. Thank you so much, Rakesh. Thank you so much for inviting me. Thank you Chloe, for sparing your time on a busy day for the podcast. And so thank God and everyone, including all the guests. So Chloe, let's start. How you are feeling today and what's the energy? I feel great because the moment I see you, I feel so happy already. I have that inner peace at the same time because you give me a sense of peace at the same time. It's very strange, but I love that. Oh wow, that's amazing. And this feeling comes, this peacefulness and the fulfillment comes when you having full pockets. That's true, that's true. So let's start. So Chloe, you are into money, you are into investing, you are into the money, the real game of the life. So let's start from there. So how you build the real attention or the relationship with money when it started, Go back to your childhood, start from there. Wow, it's gotta be a long journey. I still remember when I first, first, I mean everybody interact with money in different stages of life. And I think the impact I had the most was from my grandma. When I was very young, about five, six years old, I spent a lot of time with grandma and I literally when you spend so much time, she became your role model, right? Okay. So my grandma, she is a very thrifty person and every time like she always keep on thinking about saving money, saving money. Sometimes like she will even walk, you know, miles rather than taking bus. Because I grew up in China. China. Because at that time my family wasn't very well to do as well. So that's why I think saving become the number one thing that I learned from my grandma. But over time as I grow up, I felt that this saving habit is good, but it's also giving me a lot of, I think scarcity mindset. Okay. I felt that money is not enough and money is hard to earn. You need to make sure that you save every penny you walk. You have to work very hard in order to get it. And this mindset continue even after I started working, I felt that my salary wasn't very enough. And then no matter how much I save, my bank account just doesn't seem to be growing at all. I used to work as a journalist. Yes, when you started that job, which year? 2015. 15. 10 years ago. So in Singapore, I think as a journalist, it's fun that you get to interview many great people. Okay. One of the greatest person I managed to interview was our former Prime Minister Lee Hsien Long. So that was the moment. But other times it's also a very busy, very demanding job. Long hour, but the pay is really, frankly not a lot. Okay. So it was not balanced. Not. Not very balanced. That was when it got me into thinking like, hey, you know, what else can I do? Like I just felt that if the bank account isn't growing, wasn't growing, what other ways can I improve on my finances? Okay. Yeah. That was when my friend actually introduced me to say, hey, why don't you start reading books? That's when I started to read about personal development, books about money management like Robert Kiyosaki's Rich dad, Poor Dad. And that's how I eventually stumbled into investing. Okay. Alchemist, Alchemist Book. Book. The Rich, Rich Dad, Poor Dad, Robert Kiyosaki. Okay. And then there are many other books I start to read along the way. I think like T. Half Acres, Millionaire Mindset was another. Okay. Millionaire Mindset, yeah. Very, very impactful book for me as well. Okay. And it Was which year? 2016? 17. 2000. Actually 2015, I started working. But after like end of that one year, when I see that the bank account is not growing, that's when I really started thinking about it. Okay. The burnout and everything. Yeah. Yes. Ok. So yes, you started to read the books and then what you do means where you started. So after that my friend also gave me a ticket to attend like those big events. Okay. A little bit like NAS Daily, but a little bit like NAS Submit, but it's mainly for people who want to learn about wealth creation, investing and all this. So that's when I went to this big event and I saw many amazing speakers over there. Okay. And that's when I encountered my first investing mentor. Mentor. And he is actually someone right now still very famous in Singapore. His name is Sean. Sean. And I learned investing from him ten years ago. Ten years ago, exactly. Okay. Yeah. So that was also the journey, how I get started. However, just like many people, when you first started investing, you want to just go for those, you know, high risk. High return, even learn the buffer 2x4x10x. Yes. Even though you learn the buffer way of investing, you need to invest in fundamentally good business, patience, long term. But you just forget about that. Right. Okay. I want to go for Trading, I want to go for very aggressive stuff. And then I'm actually losing money. The bank account that was like, oh, okay. So I thought I wanted to make money but end up losing money. So the good thing is I think I chose not to give up. I was thinking, how come there are people who can be successful, but how come I'm losing money? The problem must be in me. So that's how I continue to just learn, really polish myself and eventually really felt that value investing is more suitable for me. By investing in great business long term, just by buying index and all this, it's more suitable for me. And that's how over time, when I really use that time frame as my advantage and also combine with a little bit of options and all this, that's how I increase my net worth quite significantly in the later part of the year. So. Later part. Okay, okay. So here I'm having one question that you are. You were still working at that point? Yes. And so how you are managing means working also and then investing also how you are managing that time. Yeah, I think. And also because I'm, I'm like a hustler. I like to hustle, hustle. Okay. So usually after work I think about, oh, like what kind of stocks I can look at, you know. So instead of watching, you started to. Fall in love with the stocks? Yeah, that's right. I started to fall in love with, I think, creating wealth. Like creating money creating wealth. I don't want to just be saving money. Okay. I want to think about how can I grow my money. Okay, okay. From there you started to grow your money and so what next? What happened? Job and this. Yeah. So in 2018, it's about three years after I started investing. Hustling, hustling, hustling and all this. That was when I was actually offered an opportunity by my ex mentor as well. Right. So he had this investment education company and he's also looking for people who can say, hey, are you interested to become part of our training team? You can share your experience and all this and just. Nice. I think the reason why I was given the opportunity is because they are going to expand in Japan and I speak Japanese. So that's when I volunteer myself, say, hey, you know, like I speak Japanese. It seems you guys are going to conduct classes in Japan. I can go and help out. Okay. So that's how he was very generous to offer me this opportunity. And that was when I start to realize how joyful it is to be like not just investing on my own, but literally Just share the knowledge to people. Right. Like camera to people in front of me. I just really enjoyed that. Enjoyed that. Yeah. I felt you find, you find that kick. I found a kick that, that, that energy inside me. I was like, oh my God, make me feel really good. Right. Especially when people really see that they are learning, they are growing and they thank you and appreciate you for whatever things that you share that really give me a lot of joy. So after that. So you shifted from Singapore to Japan after that? I haven't. At 2018, that was also the year that when I was given the opportunity, I was still doing part time side hustle in a way that like I was a part time trainer. Okay, okay. But I really weekends, on weekends, sometimes during certain, like certain days and I would fly over, right, Fly over to do that training and then for two. Days and then coming back. Yes. I fly back to come back to Singapore to continue work. So hustle again. Journalist work. Yes, still as a journalist. Oh yeah. So then after that, I think at the point of about 2019, so 2018. 19. That was the two years of transition, 2019, I felt that this is something I want to go full force. Right. I really enjoy training, I really enjoy sharing in front of people. And that's when, when I was offered a full time position as a trainer with my previous company, that's how I jumped. Yeah. So as me surrounding myself in the investment education company, they also gave me a lot more, I think, space to really deep dive into companies. Inside that company, you have more energy and more space, mental space to research deeper into companies and all this. I think that's how that also helped me to improve a lot as an investor. Okay, so here I'm having one question because those two years were. It must be very hard because hustling both the, both the jobs and I want to take you to that moment when you decided enough. Now I want to jump clearly from this to this because that moment needs courage to take that decision from shifting one job to completely different job. So how that moment goes and if you can take us through that. I think back then as a journalist, I always felt there's this desire inside me that I want to be in front. But because as a journalist, as a reporter, I write, so I'm always at. The back, at the back. So it doesn't give me the kind of satisfaction or the kind of, I think the attention that I was actually looking for. So over time, as I grew to understand myself more, I realized that I really enjoy like the people's Presence, people's attention. And that's when I felt being a trainer is able to give me the kind of satisfaction I was looking for. So that jump wasn't difficult for me. Because it was natural. It gave me so much joy doing that job. To me, it wasn't a job, it was more like just me sharing, having fun, making friends during classes and all this. So it was very natural for me. The hard jump to me was when I decided to quit my job. This is a job that I really, really love, right? Me as a trainer, as a speaker. And last year, I quit my job to be. Last year from 2020 to 2024, you start, you did that. I've been with the company for a couple of years. Okay. So also people recognize me because I'm quite an, like, I think quite a front facing trainer. So a lot of people, a lot of students also recognize me. So the, the difficult part was me jumping from a very comfortable job, right. A very comfortable environment to a brand new environment that I have to do this on my own. Okay. Okay. So let me take you back because working in a company on a monthly salary, money coming in monthly, at the same time, same date, very comfortable. And then going to the yearly accounting. Yeah, yeah. So how that jump happened and, and in the whole this journey of training and means, teaching people how to invest, where were your investments, what they were doing? Okay, so we talked about the first question where when I jump, like a very comfortable position, comfort zone. Back then I always heard of this quote, right? If you are too comfortable, you're not growing, not going. Yes. That's when I've been feeling that for the past, I think two years, right. Like I was very comfortable in the company. I'm familiar with everything. To me there was no, no kick anymore, right. There is no room for me in my opinion, to grow more. Okay. And that was when I started asking myself like, am I just satisfied with this? Right. Or can I actually achieve more by stepping out on my own? So the thought of having to leave my comfortable paying job, it was really, really challenging because that was when you know that there's no turning back, right? There's no more income, right? But then I asked myself, with the skill set I've built up over the years, working in the company, being able to share knowledge with passion, with clarity, with simplicity, and at the same time being, having this ability to be like front facing, like people love my content because I'm also already produced, producing content as well as a full time employee back then. So I thought that all these skill sets are transferable. So when I jump out, I felt I didn't jump from zero. Like I was already using whatever things that I platform right now I just need to convert it into my own brand. So I think I was considered very fortunate and very lucky because the past few years as I was working full time with my former company, I also build up my own followings. I also build up the, the kind of community that really love my way of teaching and sharing. And when I jump, when I share that, hey, you know, right now I'm come out by myself. I actually have my own program and all this and they're so supportive and I feel so grateful. I really felt that like, like I couldn't do this without all these experience that I've been accumulating and all this. All those very important mentors and the skills I've learned over the years. Wow. Wow. So this is very important that we should be grateful for our time when we are, when we were in the job and we are learning many skills during every day, we are learning some skills and that will be useful in our business. Exactly. And so, so how was the turning point? Means job, job. In the job you are having only one role. Yeah. Yeah. In business you are having everything. Yeah. You are the sales guy, you are the HR marketing operation guy, you are the content creator. You do everything. Yeah. So how that you manage that? Yeah. I think one of the thing that give me the advantage is I do enjoy trying out different things and I think I do fairly well in each role. And at the same time, me being a hustler, I really don't mind working extra long hours just to piece all these pieces together. So especially the first few months after I left my job, I was working exceptionally long hours. Like definitely more than 12 hours a day. You know, like you need to more than 12 hours. More than 12 hours. Need to fix your website to do your funnel, you need to create content. Yes, course. Recording. Yes, yes. Editing as well. So yeah. But to me, even though I understand the importance of outsourcing, I think this is something that I need to think about or expand on this year. But I still enjoy doing all these things on my own. So me being like a one person entrepreneur, solopreneur right now, the most beautiful thing is it's very lean. Right? Lean. I don't need to say that, oh every month I must generate this amount of money in order to satisfy myself. No. Because I just have to take care of my own expenses. But when you are running a huge Team, which my former company, they have a huge team. So sometimes they also have no choice. Right. They have to generate that amount of sales. Right. If not, they cannot fit the team. So that's when I also want to balance my own. When I built my own company, do I really want to go for the extent of having such a big team? Right. Is it necessary for myself, is this suitable for my own character? I really enjoy freedom. Like. Like I travel so often. Like last year I traveled like to more than six countries. I just. More than six? Yeah, more than six countries. You travel very often as well. And sometimes my vacation can be very long. Like one month, two months. Okay. Working remotely. Yeah. I'm very lean. I don't have to. To think about, oh my God, I need to pay someone this month payroll and all this. I'm so lean, I can be anywhere. Okay. Yeah. Wow, that's amazing that it is very important to have that lean, lean passage to a job. When you're starting out, we have to be lean and we have to. And at the start, we have to work 12 plus hours also. Yeah. You want to learn everything first. Then you will know what are the rooms that you really cannot fill the gap. When you know that you cannot fill the gap, that's when you should ask for expert advice. Either outsource or get another people or teams that good to help you. Then you can focus on what you're truly good at. Hey, coaches and want to be coaches. I have a great announcement for you. If you want to start your coaching business or want to level up your coaching business, we are thrilled to announce our formula for building a coaching business through the power of podcasting. It is not just an online course. It's a community of coaches where we meet every week and grow together to build your coaching business along with your podcast. So click the link to attend my webinar podcast made easy for coaches and jump into the clarity 10x community now. Enjoy the episode on let's Talk Clarity. So you were talking about traveling more than six countries. So how was that incident happened? You attended NAS Summit Dubai in 2022. In 2022. Two years. And in 2024, you were invited as a speaker in NAS Summits. So let's take us through this journey because it's very inspirational for me. Yeah. To me, when I look back at the journey, I still feel so inspired as well. I just felt like this entire net summit was life changing because 2022, when I went there as a creator, I literally had no following. I only had a very small YouTube channel. I barely started doing TikTok, so I can say that I was starting from ground zero. But because when I went to the summit, I got so inspired by every single creators behind me, like around me, not just people on stage, you know, like Nasire, Erica Cooper, Ali Abdaal, they're all there. They're already like very up there. Right. But the people around you, people who are not speaking on the stage, they have a lot of amazing content and some of them are like very, very famous creator in their own country. So I was like, oh, my gosh. Like, I really felt that content creation is the key to grow. Right. Internationally at the same time to expand your presence, your influence. And that was when, after I came back from netsubmit, I took down a lot of notes during that submit. And after that I was thinking, okay, what can I start doing that can be quite fast for me to take action? And for me, that was TikTok because it's short form, it's easier to do all the editing and all this. Right. So I started doing TikTok and I implemented whatever things that Erica Kubrick was sharing in her speech. And it really just took off. Right. Like my channel just took off. TikTok, you're okay? Yeah. Like within a short few months, it reached like 100k, 200k. Wow. Right. So. So that was when I think that gave me the confidence as well as a creator, I was like, oh, wow. Like the content that I give out, people love to watch. Yes. So I have watched your Rolex. Rolex. It was. Yeah. That was one of the very good role play style tips that Erica gave. And I was just thinking, hey, can I do a role play style for my own niche, which is options investing? And it took off very well as well. So I was mind blown by the result. Wow. And so let me ask you, what software do you use at that point of time to edit the small video? In short, even until today is still TikTok. TikTok. I use TikTok on the TikTok. On the TikTok itself, I did not use any additional because if you switch to different software, so firstly, it's more time consuming. Okay. I like to film everything on TikTok, edit everything on TikTok and just publish and that's it. Oh, wow. So. So that's very, very good tip for the TikTok or influencers that don't use here and there and just. Yeah. And if you, if you can share more, two, three tips for, for our audience. So how to Grow your influence, how to build your brand, that will be very beneficial. I think one of the way is to model after successful creators. Right. Because every success leaves clues and there are reasons why they are famous, why people love their content. One of the way that I always share is if you want to grow on TikTok, you can literally just search on TikTok. For example, my niche is investing. I will literally go and search keyword investing and I will see what are the viral videos out there. Okay. And from the viral videos, I will actually select some videos that I think that it's so easy for me to replicate. Okay. Yeah. And I will borrow the key viral elements. Like if it's a role play, what are they doing, what are they saying? Their role play. Right. What are the roles inside the role play that make it more viral? Right. And then after I study analyze, I will refer to find a script you don't want to copy 100%. Right. You want to model 100%. You want to make sure you always. Add in your own insights, your own flavor. Yes, my own flavor. So for me, I always make sure I add the investing elements inside. But a lot of creators, they just talk about like maybe certain brands like Lazotica, which is an eyeglass company, eyewear company. Then in the end we'll talk about, oh, you know, do you know Lazotica is actually a very profitable company that you can invest in. So these are the stock investing twists that I add in which it's additional for value adding that I give to my audience that other creators are not doing. Okay. Okay. So that was amazing that you have to put, you have to just copy the success, the people you are having and you have to copy and add your own flavor. Add your own flavor. Yes. Rakesh flavor or Chloe flavor. And then take a twist of investing. That's right, yes. So, so Chloe, let's. Let's come back to our main topic. The money. Yes, yes. The investing. Yes. So what are you doing right now and how your means, how your investing. Journey is going right now for me, right now. Because over the years I grew to understand my own character more. I felt that I really don't enjoy spending too much time dissecting into individual companies. Because individual companies, although they can be very profitable within a shorter period of time, but they can be also volatile. Right. And you can be wrong in your own thesis. Right. What if your investing thesis is wrong? Then whatever things that you investing in certain individual companies, for example, many, many years ago, Kodak was very famous and Kodak Was a very fantastic business. But if you just buy Kodak and you forget about it until today, you are like 90% losses, right? Yes. So it's gone. Right. So that was when I also realized that with time frame, with the magic of time, that's when individual stock investing become more complicated. Okay. Because you cannot tell the future of the business. Okay. Right. Nobody can foresee what was going to happen 10 years later. Maybe 10 years down the road when our consumer behavior completely changed. Right now we still use Google. Maybe 10 years later we don't use Google. Who knows? Right. Many more can it could be. Right. So that was when I start to ask myself, oh, what is a better alternative to individual stock picking? And that's when I start to really fall back to the fundamental. Which is what Buffett say as well. He said most investors they should just stick to index. If you don't know anything about individual stock picks, just go and buy. For example, the s and P500 that the top 500 companies in the US which always replenish itself if it's a lousy company, get kicked out. Kicked out. Yes. Two companies goes in. Yes. So you just cannot go wrong investing in index fund. And it's very, very low cost. So that's when I start to actually focus more on just doing index because I don't need to care so much about the market anymore. And at the same time because I know how to use options. And that's how options help me to increase my return. So the index return is about 10%. But if you use options, 15 to 20% is doable. Okay. Yeah. But let me, let me ask you one important question. That future. And options, these are options. People say don't do it. These are risky. Your money will be gone. And lot many things were going around in the market. Yeah. So how you will answer that? I do agree there are risk involved in options as well. Well actually in fact, in anything, right. Even individual stocks there are risk. Right. The company can go to zero. Then whatever investment that you have becomes zero as well. Nokia is there, Kodak. However, I felt that at the end of the day risk comes with. If you are ignorant, obviously it's very risky. If you don't know anything, then don't invest in options. However, if you are committed to go and learn to explore and really to just study deeper, you will realize that actually Buffett, he also uses options. And he uses options in a very, very safe way. Safely. Yeah. So basically when he use options, it's as if he's selling insurance and when he sell insurance, he collect money. Right. Which is a passive income for him. And he only sell insurance on companies that he's willing to own. So in a way he already did his fundamental analysis. And at the same time for me, I lower my risk even further. I basically just sell insurance on index because you just cannot go wrong with index in the long run. Right. So that's why when I use options on index, I'm already lowering my risk a lot. And in one of the shareholder letter Buffett wrote, he actually used this as an example, use index of on options as an example. And he also said it's a very safe approach. So that's why I felt that it's not just about the individual. Like it's like driving. If you don't know how to drive, then obviously a car is dangerous. But if you know how to drive, then gets you to your destination much faster. Wow. This is very good example because for someone who doesn't know how to drive, it is a dangerous piece of thing. Yes. Yeah. So let me, let me ask you one beautiful question that investing. Many people wants to do it, but still most of the people start to feel lazy. They don't know how to get into it. How to saving means how to do the saving into investing. And maybe the percentage is very low who are actually into trading and investing. So what advice do you give to them and to inspire them that this is the time you can invest? I feel that firstly, even though I'm a hustler in my real life, but in investing I think I'm quite lazy as well. That's why I think index. Right. Investing in index funds start from index the best way for anybody because it's very lazy. And at the same time it can be very profitable given time. You just need to give it time. Of course, don't expect yourself to become a millionaire the next year unless you have a big portfolio. Right. But if you give yourself time, like 10 years, 20 years down the road, index can make you a millionaire. Right. It's very, very doable because historically you just compound 10% return year on year with just S&P 500. In 30 years time actually you're going to become anyway. Right. So I think that is the best way. And secondly, I felt that it's also good to just really explore different instruments. Right, different instruments. Okay. Yeah. So don't put everything on one basket. Correct. So you can also explore different indexes across different countries. Right. If you think that China has high growth potential, why not also consider investing in the China ETFs. Right. There are also India ETF. There are also different sectors ETF. Like if you think that semiconductors is a way to grow, then there's semiconductor ETFs as well. Right. So that's why I felt that you, you can use the S&P 500 as a base, build up the foundation, and then you can add up all these additional baskets that you think that has higher growth to accelerate your return. And at the same time, you know how to use options, you can use options on them as well to increase your return. Yeah. So that is for individual, like for stocks investing. Okay. And recently crypto also becomes very, very popular. Yes. Right. So it has gone down and then it came back, came back up and. The trend has repeated a few times. So if you felt that this could be a potential asset class that can help you to accelerate your wealth in the long run, just invest a little bit of money that you're willing to lose. I think at the end of day, investing is like a bet. Right? It is a bet. It's still a bet. Right. But you want to make sure you bet heavy on asset classes that you feel so safe. For example, you know that the real estate in Singapore is going to be so stable. People generally don't mind betting a million dollar on real estate. Right. And then for myself, I felt that the investing in the stock market so safe. I don't mind having a million dollar inside the stock market. Right. But at the same time, for crypto, I'm open to see how it can grow, but I'm not willing to bet a million on it because my risk appetite is not so high. But what if I'm willing to put bet 5% or 10%? Okay. Well, it's also doable. Yes. So this is very important that we have to assign percentage and we have to stick to those percentage. Yes. S&P 500, that is foundation. We can invest how much percentage? I think that you can easily invest. Like 50% of 50% and then balance. You can divide among different instruments. That is very important. And the first thing is start investing. Yeah, that's right. That's so true. Right. If you started investing 50 years ago. Yes. Into just S&P 500. I think now you have multi millions inside your account. Even with a little bit of money from the very beginning. Yeah. So it is always about investing for a longer time. And it happens with everything. Whether it is a relationship, we have to be there every year, every day and consistent compounding. That is so true. Yeah. And for the money investing, it has to be long term. For the podcast I started three and a half years back. So then only I have just reached 200 podcasts. This is 93. I have already recorded seven, eight podcasts. So it is always we have to give time. It is not like Amazon, that next day delivery will come. Yeah, we have to be patient in everything in our life. Yeah, that's beautiful. And so Chloe, let's bring out the real you from you mins. You are managing the lean company and now from last one year you are on your own, your own business. So how you are managing your time in the last one year and what tools you are using. Are you a calendar person? I am a journal person. Journal, okay. So every day I will actually learn this from a very great fund manager. He's from India as well. His name is Gautam Bey and he wrote this book called the Joys of Compounding. Joys of Compounding. Yeah. It's a very beautiful book. Go and read it. It's not just about investing, it's about life and all this. So he shared these very important habits that he does every single day to set his day right. So the first thing that he writes in the morning is three things that he feels grateful for. Wow, that makes him feel so blessed every day. And then the first thing in the. Morning, the first thing in the morning after he wake up, he writes three things he's grateful for. The second thing is he will write three affirmations that he believes himself it's able to achieve. Right. Imagine like you keep on giving yourself that kind of positivity, your day is gonna be amazing, like full of energy, right? Yeah. And then the third thing he write is three amazing things that's gonna happen today. Oh, gonna happen. So you kind of expect that it's gonna happen. And believe it or not, because you write it down, you're gonna attract it as well. And then after that, after I finish writing these three things, I will write my to do list for today. What are the things that I want to accomplish today? So it kind of aligned with the three amazing things because I'm going to do it anyway. I might as well make it amazing, right? So since I'm going to come for this podcast, I might as well make it such an amazing experience. And in fact we are having such a good time. Good time. So I will literally write out what are the things I want to achieve today and all those mini goals will help me to achieve my long term goal. So I think once a year we should definitely have goal setting. Like, what do you want to achieve this year? Don't be too greedy that you want to achieve so many things. I think focus on like two to three important big goals. And then every day, as you write your mini task every single day, ask yourself, oh, do these mini goals help you to achieve your big goals? If they do, then prioritize them. If they don't, then maybe you don't need to give them that much priority. You should probably do them at the very least. Importance. Okay. Yeah. So you started with journaling and what else tool do you use? What tools? I just use a notebook. Notebook. That's it. That's it? Yeah, that's it. I mean, I don't use extra complicated tools like AI and all this because sometimes I feel that there's power in writing and the procedure of writing it down calm you. Okay. And give you more clarity. I feel for myself more clarity. Yes. That's what the name, the name of peace. Like the moment that you write every day in the morning, you will feel peaceful, you will feel great. And it just set you in the right motion. Okay. It is then outlet of our feelings and emotions also. Yes, that's right. That's right. It gives a lot of clarity. Even. I also write a lot. Yeah. Means I'm having many books from last 10 years. Many, many notebooks and everything. Even today also I write. And yesterday I was sitting, I was watching your reels. Everything I was writing. Yeah, Yeah. I think by writing it subconsciously, you remember better. Yes. Yeah. So I don't know when I. I wrote two years back, I don't know what came into my mind. And I just wrote that I'll be going to Singapore. It happened. It happened. Oh my gosh, it happened. And last summit happened and then I planned the whole Bali and all this trip and met you beautiful people and started this. So the, the power of journaling is super important. And subconsciously it at least it happens. And make you feel that this is something that you want to do and eventually you take action. You make it happen. Okay. Wow. So that was amazing. So I'm having last two questions of the podcast and so the, the second last is that now you are into money, you are into options and not many things. Now you are on your own in your business also. So how you get fulfillment? How do I get fulfillment? I feel fulfilled, I think almost every single day. That was amazing. We are doing what we love, right. We are literally creating content because we enjoy creating content. We are teaching because we, we Enjoy teaching. So I feel that I have like, I think I'm just. It's a God bless blessings that like, oh, wow. I'm given this skill set, this ability and these amazing people around me to help me to achieve my dream, which is to do what I am enjoying right now. So I feel every day is a fulfillment. And of course there are certain days that you kind of feel like, oh, maybe are you getting a little bit behind? Maybe sometimes you're worried about oh, what if this month you have no additional new income and all this. I think this will definitely come. Yes, the stress will come. But I feel that no matter what, we will be able to figure it out. Right. Like that is the spirit that keeps us going. And because as we are figuring out we are having fun, we are improving as well. That's amazing. And let me also ask you one more important question because you have touched upon there well below days. So, so how you tackle those days and is there any mechanism you follow? Because what I do, I. I general. I general and I listen to my music. Yeah. And. And then generally I re reread my previous books. And that is very amazing. Powerful. You mean you read your previous journals? For previous journals, yes. And that within five minutes I'm back to my high self. Wow, I love that. I should definitely start doing that. Yeah. So for myself right now I mainly just read, not my previous journal, but really just read books or sometimes just take a morning walk, listen to podcasts. That helps me to fill my brain with positivity. A lot of personal development podcasts like Mel Robbins, also Louis House, I love his podcast as well. So I think all these podcasts help. And the daily journaling helped me grounded and helped me really practice gratitude more in life. And when you feel grateful, it's way easier for you to feel happy and keep going rather than feeling down all the time. All the time. Yes. So let me also share one more tip which I learned in the. In the podcast only from our guest. Because we are like a compass. Yeah. We are always point towards north. Yes. So when we are feeling low it is like shaky. Okay. But we should come back to our north, the peace state as early as possible. Okay. How? Means we should be resilient. We should devise some mechanism like reading previous journals or whatever means we should have a mechanism. We should have a step by step process. This is how I will come back to my true north. Okay, I see. Thanks for sharing that. I will make sure find my mechanism. Mechanism. Yeah, yeah, that will be very important. So Chloe, we are at the end of our podcast and this is one of my favorite question which I generally ask to everyone. I think you might have heard also when I asked Sabrina, but it will be a separate podcast, so I have to ask again. So five years before ago, I was working in a job. I was an engineering and doing this podcast. It was next to impossible things. Yeah. So recording here in Singapore with you. This is my third podcast in Singapore reaching 200 episodes. It's like miracle for me. So miracle do happen in our life. And I can clearly say to my audience also, miracle do happen. And so my question is that what is your miracle do happen movement that can happen in next 12 year means there is not. We have not envisaged. But right now you can, you can think through and ask from the universe. I mean, I think content creation to me is so much fun. And of course there's also a lot of challenges in order to have more followers and all this. I think one of my goal, it will be a miracle if I have a million followers. Yes. That would be amazing. Within one year. Yeah, within. Wow. If I can achieve within one year, I'm so happy. Oh my gosh. I don't mind two years time as well. One to two years having a million followers. Just a amazing. I think it's just, it's a big goal that I actually set for myself. And I think in order to achieve that while attracting that law of abundance and the universe of traction. Right. We want to make sure we really keep doing that. So I think what you're doing is fantastic. You're really taking actions to achieve your goals. So that inspired me to make sure I double down on my social media channels as well. Thank you. Thank you so much. And thank you to NAS Summit for connecting us. And now we are recording this podcast. And there's one thing which I Learned from NUSAir Day 2 Morning Morning Session. So what he was telling is that Internet is exponential. Yeah, that is true. That is true. And now you are at 200k. So this year my best wish is that you reach 1 million and then I'll call you again on my podcast. That is amazing. Thank you. I received that. I received that. Thank you. Thank you so much for sparing your time for coming here and recording this podcast. And this means a lot to me. This means a lot to me as well. Thanks for inviting me. It's my honor to be here. Thank you. Thank you.