The Power of Doing Things for Fun (Not Money)
Why hobbies that earn you nothing might be the cheapest path to inner peace.
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Hey, I'm YM 👋
Software engineer based in Australia. I love applying an engineering mindset to everyday decisions — making things clear, reducing overthinking, and finding smarter ways to handle money and life.
Here I share practical guides and honest thoughts on property investing, cash flow, and life strategies — all aimed at helping you make confident decisions with less stress.
Recent posts
Why Manual Reinvesting is a Bug (And How to Fix It)
Stop harvesting your golden eggs. How to set up set-and-forget ETF compounding in Australia without driving yourself crazy.
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Payday Super in 2026: Why When Your Super Gets Paid Matters
From 1 July 2026, employers must pay super with each pay run instead of quarterly. Here’s what changes and why timing affects how much you retire with.
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The Magic of Compounding: Why $500 a Month is a Financial Superpower
An engineering look at time as a leverage multiplier. See how consistent, early micro-investments outpace late-game hustle every single time.
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The Logic of High-Yield Savings: Optimizing Cash Flow in 2026
An engineering breakdown of Australia's top high-interest savings accounts, the reality of tax drags, and how to build a liquid system.
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The Great Australian Wealth Divide: 2025 Insights
An engineering look at how wealth is distributed across different age groups in Australia based on the latest Grattan Institute data.
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What Is an Emergency Fund and why It's So Important
Learn what an emergency fund is, why you need one, and how to build it for real peace of mind.
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The Hidden Costs of Owning an Investment Property Most People Ignore
Is your investment property actually profitable? Uncover the 'silent' expenses that drain your returns beyond just the mortgage.
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Should You Sell or Hold Your Investment Property in 2026?
Struggling with rising interest rates and negative cash flow? Learn how to decide whether to sell or hold your investment property in 2026 using real numbers.
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Find Your Way Out of Cash Flow Stress on Your Investment Property
A systems-thinking approach to decide whether to sell your investment property and eliminate cash flow stress.
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