I’m 38.
Thirteen years into the 9-to-5 world.
This is my 7th company. Same task. Different desk. New canteen. Same paycheck cycle.

And here’s the hard truth:

It pays the bills—but that’s it.

For someone like me, debt grows faster than savings. Every time I move up, the cost of living moves higher. Every bonus is already owed to something else. Paycheck in, commitment out. A cycle I didn’t know how to break.

I’ve always dreamed of making money while I sleep—a phrase that sounds like a scam, right? But I brushed off investing for years.
Because:

• I didn’t know where to start.
• I didn’t have the capital.
• I didn’t feel it was meant for “people like me.”

In short, I never bothered to try.

Then one day, my partner showed me a YouTube video about investing. I watched it, half-hearted at first. But then—something clicked.

For the first time, investing didn’t sound like a faraway fantasy.
It sounded possible.
Even for someone with zero experience, zero wealth, and negative confidence.

The app they talked about was called Moomoo.
Before jumping in, we researched it together—scam or legit?
Turns out, it’s regulated. Real. Functional.

I felt the eagerness rising. But I’ve learned the hard way—eagerness without strategy is dangerous.

So, I paused.
Took a breath.
And began this journey with eyes open.