Rogue One: "Do You Have a Plan B?"

“Do you have a Plan B if you fail in what you are doing right now?”

I often get asked this question by well-meaning friends, seniors, and relatives when I left my first full-time job to do what I am doing right now.

To be honest, I suck when it comes to forming any ‘Plan B (or C or D)’ for the important things and goals in my life.

In fact, I’d still tell you that I do not have any Plan B if you were to ask me today.  


My goal is to become a successful trader (I am not one, YET).

Whenever I hit a certain plateau in this business, I will tweak my approach, my mindset, my routine, and seek mentorship.

My passion is in sharing and words.

Whenever I feel stuck in my journey, I will adjust my perspective, ask better questions, and seek clarity.


I believe the mini little progress that I’ve been able to make today is not because I am anything better than anyone else.

It’s because I simply do not have any great ‘Plan B’ or ‘backup plan’ to fall back on if I fail.


If you put that chocolate bar in the fridge 'just in case' you get hungry at night during your diet, chances are the chocolate bar will not stay there for long.

If you pursue a goal with a well-defined backup plan in mind, you’ll almost always settle for the backup when shit happens.

In contrast, when there is nothing else to fall back on, the only way is to charge forward and make things happen.


Rogue One is a new weekly 1-min article series where I share my random thoughts and ideas.


Rogue One: Your (Boring) Journey to Mastery

If there is a sport that China held clear superiority over every other country in this world, it’s table tennis.

By winning 28 out of all 32 available gold medals in the history of the Olympics, one can only assume that there must be a secret recipe with the training & drills that China athletes undergo in their daily routine.

Last year, I traveled to train with fellow athletes at the China Table Tennis College (CTTC) in Shanghai.


To my surprise, there’s no secret recipe at all in their training.

What they did with their drills, to a big extent, are exactly the same as the ones that I see being done in the local clubs in Malaysia.

The fundamental skills like serving, looping, and footwork are still being practiced every session.

If there’s no difference in the drills, what make China’s athletes different and so exceptional?


The answer lies in the consistency and intensity of their training.

In China, athletes are required to train repetitively for 2 – 3 sessions every day. Along with the guidance from the coaches, drills are done with great attention to detail and intensity.

My journey in China has reinforced my view of mastery.

My stay at Shanghai really was really an eye-opener.

The journey to mastery is boring.

It is the work that we do consistently behind the scene when no one is watching.

It is the repetitive routine that we still try to refine every day even if we have done it 100 thousand times.

It is the fundamentals that everyone thinks is monotonous, yet we still work on intensively every single day.

The journey to mastery is boring.

That’s what makes ‘exceptional’ extremely valuable and rare in this world. 


Rogue One is a new weekly 1-min article series where I share my random thoughts and ideas.


Rogue One: We Can Still Win the 2nd Half of 2020

All the odds were against Liverpool on the 8th of May 2019.

The day was the 2nd leg of the 2019 Champions League semifinal with Liverpool hosting Barcelona.

The Reds were already down 0-3 against Barcelona in the first leg. To make things worse, the key men for the team – Salah and Firmino were not playing that night.

It seemed nearly mission impossible for the Reds to pull off a comeback.

But they still accomplished it – beating Barcelona on a 4-3 in aggregate to seal their place in the Champions League final (which, they eventually won).

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Photo credit: Talksport.com

For many, what Liverpool has experienced during the 1st leg is a direct reflection of their 1st half of 2020 – a huge 0-3 punch to the face.

Heck, even the start of the 2nd half of 2020 is eerily similar:

Some may have lost their job while many would have experienced a huge cut in income.

Simply put, many of us are likely not in the best condition as we head into the 2nd half of 2020.


But does that matter?

Can we change the fact that we step into the 2nd half of 2020 being handicapped in one way or another?

Can we change the fact that we are forced to start 2nd half of the year unfavorably?

Did Liverpool whine, complain, and give up?

Liverpool players persisted and they won.


Now, I am not guaranteeing that all of us will stage a huge memorable comeback as Liverpool did.

But one thing I do know, for sure, is that complaining, looking for excuses and expecting that it is the responsibility of the government/parents/[insert person here] to help you is definitely not going to bring you anywhere near to a comeback.

You are 100% in charge of your life.

You can give yourself a fighting chance. 

You owe it to yourself to try.

Looking forward to seeing your comeback, wherever you are and whatever you are facing right now!


Rogue One is a new weekly 1-min article series where I share my random thoughts and ideas.


Always Remember: Live Your Own Life, Walk Your Own Pace (No Money Lah’s 1st Anniversary)

Always remember: Live your own life, Walk your own pace. 

The past 1 year or so has been like a roller-coaster ride for me. As a start, No Money Lah’s growth as a passion project has been amazing. I have always like to write and share my learnings and thoughts with people, and No Money Lah allows me to do just that in my new stage of life – adulthood.

As an added bonus, No Money Lah has opened me up to various opportunities and the chance to meet many fantastic people behind the entrepreneurial and personal finance scenes.

Furthermore, my little goal to share what I know about investing also comes true. The tremendous support from the friends and readers to my Breakthrough Your Wealth – REIT Investing workshop have made all 3 workshops, so far, a fully-occupied (and fun) one.

My June 2019 Intake Group Photo :)
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That said, there are times where I just got overwhelmed with fear, doubt, and uncertainties.

The overwhelming fear that people would dislike what I write. The miserable self-doubt where I couldn’t even convey my feelings in words. The struggle against uncertainties towards, well, everything – from my career, my future, time and basically stuffs that could choke one out of breath.


Remember the Times Where You Kinda Messed Up Everything?

Can you relate?

Looking at your peers rising to the ranks in their jobs while you kept on hitting bricks. Or maybe, when you start to receive (more) wedding invitations while you are still getting your own life sorted out. How about those friends who seem like they got everything under control when you are literally losing them?

If you do not feel any of these, good for you. But I feel right about all these emotions playing in my head every now and then.

Have you ever feel like a loser in life? I do.
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At times, they come and go just in a blink. But there are times when it hits, it breaks down even the strongest mental barrier within myself. It is suffocating. Suffocating, knowing that all these efforts could be going nowhere.

But despite all circumstances, these are the times where I felt more alive than ever. Alive, knowing that I hit bricks, yet I am progressing whenever I overcome them. Alive, knowing that I feel these emotions, yet I am not running away from them. Alive, knowing that I am vulnerable, yet I do everything to pursue my beliefs regardless.

Being alive means acknowledging both the good and shitty part of the journey - and still living a kick-ass life.

Here's the thing:

We'll never be perfect in the face of norms. Any attempt to do otherwise is never a smooth journey - filled with uncertainties, fear, and self-doubt.

You are 'lagging behind' if you take a one-year gap year in between college.

You are 'too slow' if you haven't become a senior manager by 25.

You are 'too late' if you haven't get married by 30.

You are 'too old' if you decided to start your own business by 45.

Everyone is different. But norms expect us to walk the same pace in life.


It's Never About People Outrunning You (or Otherwise), It's About Discovering Your Own Pace in Life

I used to run half-marathons (21km) quite frequently (until I have some knee issues). And unless you are the top Kenyan runners, chances are you will be outpaced and outrun by people along the journey.

At first, it sucks whenever someone outpaced you. The feeling is especially real when the person is someone you know, and I experienced that first-hand when my best friends just outpaced me during the journey.

Then, I’ve come to a realization that being emotional when someone outpaced you is not just physically tiring, but even more so, mentally exhausting at the same time.

Slowly, I started to run at my own pace, being totally okay with people getting ahead of me. When I do so, I enjoyed my journey a little bit more. I made some new friends along the way. I challenged myself to outpace not anyone else but myself. Most importantly, I appreciate the fact that for each step I take, I am still moving forward towards the finishing line.

Not all paths are smooth - you just got to believe that you will eventually get to where you want to be. 

The more you run a marathon, the more you'll realize that it is not a race between you and someone else. Rather, it is a race between you and yourself - just like life.

Your Life, Your Path, Your Pace

If that’s not clear enough: Yes, I Do.

Whenever I am not mindful, I will still get overwhelmed with emotions. I will still get anxious about uncertainties. And at times, I could even mess things up.

But it is at these times that, I get to learn to acknowledge my vulnerabilities, strengthen my self-belief and intuition, outgrow myself – all at my very own pace.

And I hope you do, too.


No Money Lah is now 1 Year Old!

If you haven't realized it already, No Money Lah turned 1 last month! 

If you are reading this, I would like to extend my full gratitude to each of you. Your tremendous support has been one of my main motivations to keep writing throughout this year. Regardless of how you got to know No Money Lah, I am hopeful that my articles will keep bringing new insights and values to you, just like how your support kept me going in this amazing year.

Here are my 3 Books Recommendation to Massively Transform Your Life:

Before leaving this article, I thought of sharing with you 3 books that have transformed my life in one way or another throughout this year. If you are looking to a massive breakthrough in life, I cannot recommend these books enough for you:

From left: 

(1) The Miracle Morning by Hal Elrod, (2) Atomic Habits by James Clear, (3) Grit by Angela Duckworth