09/03/2026
𝗔 𝗗𝗲𝗰𝗮𝗱𝗲 𝗼𝗳 𝗕𝗿𝗼𝘁𝗵𝗲𝗿𝗵𝗼𝗼𝗱 𝗙𝗿𝗼𝗺 𝗡𝗴𝗲𝗲 𝗔𝗻𝗻 𝗣𝗼𝗹𝘆 🎓
10 years ago, we walked into Ngee Ann Polytechnic as awkward, slightly clueless poly kids trying to figure out assignments, attendance, and what to eat between lectures.
None of us knew we were also walking into a decade-long friendship.
Back then, life was simple. We talked about whether we’d “make it,” what life would look like after graduation.
Financial freedom was just a fancy phrase we saw online. BTO planning sounded like something for “future adults.” Protection planning? Not even on the radar.
Fast forward ten years, and life has unfolded in the most humbling way.
We’ve seen each other through our first jobs, pay raises and quiet wins that didn’t make it to Instagram. The jokes are still the same. The sarcasm hasn’t aged. But the conversations have deepened.
Somewhere along the way, our catch-ups shifted from
“Where should we eat?” to “How should we plan?”
Planning for BTO launches. 🏠
Planning for long-term protection. 🛡️
Planning for financial freedom that once felt distant. 💰
What I’m most grateful for isn’t just the decade of friendship. It’s the trust.
Trust to sit down and have honest conversations about money.
Trust to map out goals that stretch 10, 20, 30 years ahead.
Trust to journey alongside three of them as they take intentional steps toward financial independence building portfolios patiently, structuring protection responsibly, and making decisions today that their future selves will thank them for.
Money conversations can be uncomfortable. They require vulnerability. They require admitting fears about stability, about family, about the unknown.
Ten years from now, we would not just be reminiscing but we would be celebrating progress.
A decade down. Many more to go.
Here’s to friendship that evolves, trust that deepens, and the privilege of walking life’s biggest journeys, not alone, but side by side.
My web profile: https://lnkd.in/gFKnJvXD
Connect with me :
Ng Zi Yang (6-Figure Advisor®)
https://www.linkedin.com/in/ngziyang
𝗧𝗵𝗲 𝗚𝗼-𝗧𝗼 𝗔𝗱𝘃𝗶𝘀𝗼𝗿 𝗳𝗼𝗿 𝗕𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝗣𝗮𝘀𝘀𝗶𝘃𝗲 𝗜𝗻𝗰𝗼𝗺𝗲
https://linktr.ee/NgZiYang
