For someone who is barely into his 20s, Mr Arthas Ho is already on his way to being a seasoned investor.
The 22-year-old business and accountancy student from Nanyang Technological University (NTU) has dabbled in stocks, traded in commodities like gold, and is already thinking of ways to create a passive flow of income so he can retire by 35.
This drive to earn more money and create more value from his savings started with his first "business" when he was in primary school.
"When I was (in primary school) my allowance was 80 cents, which was very little... I decided I could double my income. I was good at running and I told my friends 'if you want to learn to run as fast as me, pay me 50 cents and I'll teach you.'
"Some of them were keen to do that so I would spend my whole recess coaching about two to three friends on the best running techniques."
Even though Mr Ho is working to ensure he can achieve a steady stream of passive income within the next few years, like any good investor, he already has a back-up plan in place.
"I have a few options and looking for a job would be my back-up plan. But I'm more keen to work for myself because you can definitely earn more money doing that and you can set your own income, that's the best part!"
Mr Ho has completed his first year at NTU and lives with his family.
His 55-year-old father is an HR manager and his 51-year-old mother is a regional financial controller. He has two siblings - an accountant brother, 25, and a sister, 18, who is in junior college.
Q: Are you a spender or a saver?
I would say I'm more of a saver. I save every dollar that I can, usually about 90 per cent of my monthly income.
That money is set aside to purchase assets that will appreciate in value or produce positive cash flow.