Hi Rafie, thanks for sharing your story. I’m 80 years old. The lessons I leaned in my life are: 1. Don’t waste - especially time & money. The time we lost will never come back. We earn good money now so we must save for when we are out of a job or save for our old age & retirement. 2. Life is full of ups & downs. When we are down, we must get up, brush off the dirt & keep going. Learn why we fell down & not repeat the mistake. 3 We need to eat to stay alive. We don’t need to eat expensive meals to stay alive. We just need nutritious food. We eat to live but not live to eat. 4. Live a simple life. Be thankful if we have good health, 3 meals a day & a roof over our head. Enjoy everyday - doing things that make us happy, help the less fortunate people, make positive contributions to society, our communities, humanity etc 5. Health- this is most important. We must maintain our health & ensure we have good health. We cannot enjoy life if we have poor health. There’s a story about a young man who worked very hard working long hours to accumulate wealth. He became very wealthy. When he was about 60 years old he suffered bad health & spend his wealth to regain his health. The moral of this story is : Health is more important than Wealth. No money can buy back your good health. Good luck Rafie, plan your steps to regain your good life. God bless you. Best wishes from Australia 🇦🇺
Hi Jimmy, beautifully written, I can tell your tone is completely sincere. Thank you for sharing your wisdom of 80 years. Shout out from Hong Kong (formerly Australia too).
Thank you for sharing your story Ralfie. Some people especially in the younger generation have a habit of blowing through the money and even spending stuff on things they can't afford. This is all a waste of time and I hope more people can learn from your pass mistakes.
Earn, spend wisely, save wisely, AND INVEST WISELY IN PHYSICAL TANGIBLE BASED ASSETS BASED INDUSTRIES AND BUSINESSES in both the public sector and private sector, and in the public-private regulated sectors. Save-invest one half to two thirds with your 1st paycheck.
@@nubiandoll7 Earn, spend wisely, save wisely, AND INVEST WISELY IN PHYSICAL TANGIBLE BASED ASSETS BASED INDUSTRIES AND BUSINESSES in both the public sector and private sector, and in the public-private regulated sectors. Save-invest one half to two thirds with your 1st paycheck.
This tells us to lead a frugal lifestyle. Doesnt matter how much u earn. Important to save up. We dont have to impress others but when we are down, we should remember that no one is going to help us except for ourselves. A reminder to myself and everyone as well.
he is 51 but he looks like a 35-40 year old guy. His positivity is infectious and i could feel it through the video. Hope I can also learn a bit about perseverance and making th best out of whatever situation I'm in from him.
@Flare Because most of those big multinational companies are foreign companies, of course they hire their top tier employees (those 6 figure per month) from their own country! One day I hope Singapore companies can make it big and hire Singaporeans to Headquarters stationed all over the world.
I'm only in my early 20s now and I think it's so easy to forget yourself when you're young... You go out, spend money and do stupid things but forget that time lost is something you never get back. I think Rafie's story is a great reminder to all of us youngins to live a measured life. Life can be as beautiful and adventurous without having to sacrifice on the future. And his spirit should be an inspiration to us all. I wish you all the best Rafie and thank you for letting us be inspired by you and your story!!
For a young person to identify with the shortcomings of youths and to recognise Rafie for his efforts, I must say I am very impressed. You are an inspiration to the young people. With your words, I have great faith you will succeed in your dreams.
I'm an American living in the USA. I don't know how this Singaporean story ended up in my RU-vid feed. I do know that I am overwhelmingly thankful to hear Rafie's story. He lets me know that it is possible to climb out of the holes of life. I truly needed to be reminded of this truth. Thank you Rafie and thank you OGS!
Californian here, I stopped socializing after my friends circle wasting money hanging out constantly. Now I just find deals on things and saving as much as I can, I know one day sh!ts gonna hit the fan. I stay single, knowing a full on family would mean massive bills in exchange for a little comfort and sex at the most, if she is driven and looking for a better man, a life style I can't afford, it's gonna be a living hell. Rafie is smart and responsible, didn't drag a lady or kid into this. Yeah I feel lonely sometimes, but I'm being responsible. Having family and kids, carrying too much pressure on the shoulder would crush a morally good man when things go south. Good thing is when I die, nobody would be sad. The universe wouldn't care or change a bit.
@@MarcoAshford hey, I think the same way as you…it’s too much of a burden to have a family right now…and yet there’s so much burden to getting married from parents, friends, & family…I’m the last person that I know who isn’t married yet (even family members younger than me are getting married now…and in their eyes, I’m nothing more than a loser, waste of space, pampered…they don’t realize that trying to build a business is hard work. I feel so alone sometimes, like I don’t fit in anywhere & completely misunderstood.
@@jamesww1418 let your family, relatives and friends and their offspring fell prey to the basic instinct to procreate and suffer through generations. you are better than them, at least you know it's not a good thing to bring a new human being only to feel suffering and disappointment in the world. in my eyes you are not the loser, but wiser in terms of responsibility.
@@MarcoAshford I understand where you're coming from but try not to be too closed up and guarded to new experiences and people. I met my SO when I was making $25k/year and she didn't care. Still together 8 years later and I'm doing much, much better financially now.
@@TheHamburgler123 Congrats you met a good woman that don't care, I guess you guys must be very young when met? When I was younger, I had the illusion of treating women good and spend for them will win their heart, only ended up being used as a tool and get dumped, it wasted a lot of years of my life. Now I'm already 30+ and all the women I dated openly talk about their "requirement", since I'm an non American born Asian, the dating pool is very limited here, local Americans ghosted me after noticed my background difference, I don't even have any attention from Americans anyways. It is their luck not to date me. Deep down I know I go out date is due to sexual drive, I hate kids and family, hate dealing with lot of family drama, hate the bad things in society overall. Why I don't move back to my own country, because it's also a big mess, chances are it might even be worse than western country. My dream is kill all the bad people in the world, the corruption in financial market and government, the school bully, the A$$hole in relationship. I don't have any love or care in my heart to build a family, even if I lost all my memory, I won't forget the vengeance, I don't want to lose control and harm my family, so it's better to stay away from it.
In my opinion, a housing market crash is imminent due to the high number of individuals who purchased homes above the asking price despite the low interest rates. These buyers find themselves in precarious situations as housing prices decline, leaving them without any equity. If they become unable to afford their homes, foreclosure becomes a likely outcome. Even attempting to sell would not yield any profits. This scenario is expected to impact a significant number of people, particularly in light of the anticipated surge in layoffs and the rapid increase in the cost of living.
I suggest you offset your real estate and get into stocks, A recession as bad it can be, provides good buying opportunities in the markets if you’re careful and it can also create volatility giving great short time buy and sell opportunities too. This is not financial advise but get buying, cash isn’t king at all in this time!
You are right! I’ve diversified my 450K portfolio across various market with the aid of an investment coach, I have been able to generate a little bit above $830k in net profit across high dividend yield stocks, ETF and bonds.
Camille Alicia Garcia is the coach that guides me, She has years of financial market experience, you can use something else but for me her strategy works hence my result. She provides entry and exit point for the securities I focus on.
This was a heartwarming story. The sad reality is most people are one major illness or misfortune away from being out on the street. Treat ever dollar you earn like it's your last to build that safety net.
Society tricked him into thinking he needs fancy things to fit in and be happy. Save your money and only buy the things you really need to be happy for yourself. Save your money so you have it when you REALLY need it. Good luck and god speed everyone❤
To be fair, in a Chinese-based Asian society, it is all about keeping up with the Joneses and face. Having worked in Taiwan and HK, these spending attributes to keep up with society are prevalent throughout. And because of this, one can totally forget about living frugally
I don't think you can go around blaming society for some clown spending all his money and not saving some of it. I mean blaming society doesn't exactly sound like someone is taking responsibility for their own actions in life.
Rafie ur not alone! I use to earn 9k per month but after i was diagnosed with Crohn disease everything fall so bad and i still recovering from depression adhd, let stand together and hope everything goes well for us
Keep fighting❤️❤️❤️ wish you good gealth and endurance also that you come across people that are willing to help u back on your feet - In Jesus Name - Amen❤️❤️
10 years ago, my life was hell. I was unemployed, rejected, and avoided by everyone, even by my own relatives. Got kicked out and disowned by my own family. Even got to the point of trying to end my life back then. Flash forward 10 years. I'm now in my 40s, living in an apartment, driving a decent car, working as a Sr. Software Engineer and living happily with my girl. Despite my new life, I still get flashbacks whenever I see homeless people on the streets. So I try to do what I can to help them, whenever I have the resources. You don't look at homelesness the way you used to be, once you get to experience becoming one yourself. Sleeping at a 7-11, grabbing sugar and coffee creamer sachets at coffee shops, lining up for a morsel at free food samples at the mall, being grateful for fallen fruits on the sidewalk, or finding a crumpled paper bill on the streets after walking aimlessly the whole day. I've been thru all of that. And let me tell you what, it's f***ing embarrassing and humiliating. You scream and cried to God, but there's no answer. All you hear is yourself, followed by a deafening and gloomy silence. Once you realize you're the only one who can help yourself, change start to happen. You become a new man, immune to fear and intimidation. If you're one of those going thru such hardships, I just wanna let you know that I'm rooting for you. Go face your fears. It's always worth the fight!
@@chronicreader You're right, some people are their own worst enemy. They might have legitimately been dealt a bad hand in life. I can empathize with that. But also, there's a personal accountability they have to own. The old saying "you can't help those that won't help themselves" is something I keep coming back to with some people I know.
glad you were able to make life better. everyone should remember that we are all individuals who come from completely different genetic backgrounds, demographics, abusive parenting, etc. just because it was an attainable goal for you to obtain what you see as a better life, doesn’t mean anyone or everyone else can do the same.
I am living that shit. As soon as I graduated from the university, the relative I was living with started to become cold towards me. It's not because I'm lazy but I am unemployed. I desperately look for a job with the fibre of my being but none of the companies wants to hire me, on top of that, requiring me to have a two years of experience for junior position is really exasperating. I don't really know what to do. I wish I didn't exist. @@veramaaaaaa1154
This clearly shows that your party friends won't show up when you are in your lowest point. Better to have one friend who would be there for you through thick and thin.
My friend was there for me much of the time I was homeless. Now she is consumed by drugs it is like she has died. I miss her every day. I think we've all had acquaintances but rarely a true friend.
Hey Rafie, congrats on your new BTO!! You might be doing things alone, but be rest assured that you’re not alone in how you feel. I think a lot of us are trying our best every day too, just like you 😊 I think your shots look really great too. Thanks to both Rafie and OGS for sharing the story. Keep going! :)
"But you have to be kind to yourself and acknowledge your weaknesses and have faith. So I accept my situation now. I cannot get back whatever I lost in the past. So what I can do is look ahead and make my life better." Thank you, Rafie.
Thank you Rafi for your story a true inspiration. I've been dealing with a large financial setback and for almost a year I've been dealing with so much pain, regret, sleeplessness nights, anxiety, depression, you name it. I'm in my early 40's and I know people say the usual things like, age is just a number and I'm still young etc, but it's not easy getting over something like this. I hope the best of luck for you sir.
Indeed, very tough. We need to be kinder to ourselves, take small steps, because that's the only way to move forward. My support goes to all of those struggling with depression and anxiety. We all need more kindness and support.
After graduating i worked like hell without stopping until i bought a house in a good location and saved up some money to invest in a fund. No expensive watches, clothes and all that. Ocassional drinks but no vices. Once i did all that i finally had TIME to hang out with my friends and family, and time to exercise abit and focus on my general well being. If you want to have time on your side, make the right decisions, its worth it my friends.
Stay strong no matter what happens. You may have suffered a great loss, but you can always move forward for the better. Pray to be granted strength and endurance throughout difficult times in your life. It makes an incredibly huge difference.
I messed up bad in my twenties and l early thirties like this. Luckily people kept me in their home. I now save and earn 80k this year. No matter how much money, you save. I save almost half because I was almost homeless. Even the person with the good life can have a demise
people make fun of me when i was doing well fliipping houses about driving a beat up corolla..i was a bit imbarrassed but know these bums are not my friends
this is a good life lesson for him and for all others. dont treat "good life" now like its never going to end, u will never know what will happen tomorrow. get ready, before its too late
This guy is so great. His spirit, his outlook, he just feels so genuine and appealing some how. A beautiful soul shining very brightly. Thank you Raffie, for inspiring me. You're a great gift to this world. /Best wishes from Sweden
We need more inspiring content like this. My life was going in circles when everyone else's life was going forward. Just when I thought I was out from the dark, it pulled me back in. And it was very frustrating and depressing. The key is to have strength to pick yourself up and keep on going forward.
Well done Rafie, proud of you, man. It's hard to bounce back in life when hardship arises. The best thing you did was to not give up, seek help and try again. Blessings to you my bro! 👏🏼✊🏼
I resonate with everything he said in this video, and I especially like how he said that we need to be kind to ourselves. That is something we all struggle with. Beautiful story.
It’s good to look at his story, learnt from him. Usually when we were at our glory period, we tend to forget about the crisis. It’s just come suddenly and hit us without any preparation.
Well done Rafie, you’re a guy to be admired. From now onward the only way is up but at the same time remember to stay grounded my friend. WIsh you all the very best.
Nice to meet you Rafi and thank you for sharing your inspiring story. You have a lovely, kind smile and I am so glad things worked out so you can use it again. Wishing you all the best from UK/Germany :)
I am so glad Rafi got help and he will probably be very successful again. There are times when people work very hard and are successful and then all of a sudden they hit rock bottom. They don't know what to do and then help comes to them. Then everything you worked for suddenly comes around again, better than expected, when least expected.
He has an amazingly positive vibe. He will definitely go through this hard situation. He is not a failure, just he needed a break to advance to the next level.
watching this man able to regain his life back made me happy, hope others who are in a bad place right now do not lose hope and willingness to keep fighting for a better life
"I'm 51 years old and I'm doing the best in my life." He is such a sweet soul! I wish him the absolute best and another chance to be happy and successful 🙏
Rafie, you really are doing your best! I wish you the best in your life, and it's really inspiring that even after all those painful experiences you still managed to pull through and you're living life to the fullest now. It gives me hope about my own future, and about how I can choose to see certain situations. Thank you OGS for always putting out such interesting content!
Golden rule of thumb as a professional, you should have 3 years worth of salary as an emergency fund and if you have a family you should have 6 or more years worth of salary, plus this condition only applies if youre debt free :)
Everyone in America trying to live the “American Dream” is either one paycheck or one crisis away from homelessness and that’s why it concerns everyone. People should be more humble and caring when dealing with the homeless too! We should be doing more to help the unhoused to secure shelter and get back their feet, not only because anyone might find themselves in the same situation, but because it’s the right thing to do.
I am 46 now and I went through similar things in my mid 20s. I was making $16,500 a month but I got consume of the high life and found myself on the streets/
Much respect Rafie. Best wishes to you and your future. I hope you get your new home, and enjoy your new life. I know the roller coaster you speak of, and it is a scary wild ride.
Very inspiring, happy for u Rafie you con get ur BTO, not easy to share the story to everyone, i wish Rafie all the best and I like your sentences have faith…🎉🎉
I thank god for our Singapore government, it’s one that truly works, introspective, humble and corrects itself and doesn’t ask for thanks. They do so many things behind the scenes that it is often overlooked. This is one such example.
Great story but i think it didnt really answer the "how I became homeless despite earning 180k a year " other thn the fact that the boss pass away and covid happened...... I was curious what was his mistakes in terms of losing all those wealth in that short period so us viewers may learn to avoid such mistakes
Agreed with Benjamin. Title feels a little baity as compare to content. Great content overall and useful intro to job connect. But the mistakes are really skim through. Buying a few rolexes are not mistakes but are actually very profitable since the time he bought them, haha!
He admitted he’s not very good at maths. So for example, someone who’s earning 100 but only spend 10 will eventually become richer than he started with. Whereas someone earning 1000 but spending 2000 on credit, will end up with a debt. That’s usually how ppl end up with “losing all the money”. It doesn’t happen overnight.
Thank you so much for sharing this story, and Rafie for wanting to open up and share your personal story like this (which is not easy). I am in my early years now, and i have to admit, when you first have your own money, or even have an "excess" of your own money, it is very easy to fall into the trap of "buying things you dont need, to impress people you dont even know". This video teaches a very meaningful lesson for me and i really appreciate it. Sending you prayers and good luck Rafie!
What a fighter!!! Yeah he wasted money when he was younger but everyone makes mistakes & in hindsight it's obvious he should have saved more, but he was moving in rich circles & it's very easy to get caught up in that lifestyle & thinking it'll last forever & only good things will happen. It's about finding a balance in spending in the present & saving for the future, finding that comfortable balance. Your health is very important too to aid future earning potential, as this video highlights. The main message I take from this is to stick in there, keep moving forward & grinding, staying positive to whatever life deals you & if you do, the storm will eventually pass & your luck will change & you can make something of the present & future, despite the past. Well done & good luck moving forward 👍👍. Great video!!
Beautiful and inspiring this helps me so much today as motivation I lost my job this year due to inflation from the aftermath of Covid I am barely getting by these days I feel hopeless struggling to find a part time job is hard these days
People are same everywhere when young.have good income.forget to save money for old age.Rafie had good income when working with Japanese and forgot to save money for difficult day. This happens worldwide you are not alone.
