2019 was a year that I will not forget. Due to old age, my late grandma had spine issue and was bedridden for months.

During those months, everyone in the family (especially my mom) had to take care of my grandma – from taking care of her meals and everyday clean-ups.

It was not an easy time for the family, but fortunately, my late grandma was able to stand up & walk again!

That was when I realized one thing: The older we get, the more commitments we are going to have.

From dealing with pesky matters like ceiling leaks, loans repayment, to increasing responsibility to our family (more so if you’re building your own!), two things matter most: Time & Money.

In other words, when the people that you care about need you the most, are you able to spend time with them, without having to worry about money?

Let’s say your parents got sick, are you able to spend the next 3 months (or longer) taking care of them without having to worry about putting food on the table?

Ideally, we’d like to say yes, but I know many people simply cannot afford to do so.

This leads me to why I started dividend investing: To generate consistent cash flow passively (ie. Passive income).

Having a consistent passive income is amazing:

• I can focus on things that matter to me.
• I can do what I want, whenever I want, with who I want, for as long as I want to do so.