Financial Independence Re-career Early

Financial Independence, Re-career Early: Work Less, Live More — Your Way
A roadmap to financial freedom and meaningful career reinvention at any life stage.

Are decades of routine work the only path to retirement and fulfilment? Or is there another way—one that offers financial security and the flexibility to live with intention, long before conventional retirement age?

Financial Independence, Re-career Early [F.I.R(Re-career).E.] challenges the traditional career arc and provides a structured, values-based framework to reclaim autonomy over life, work, and wealth. Drawing from personal experience and professional insights, author YK Png—a pharmacist turned coach, trainer, course writer and educator—presents a comprehensive guide for professionals seeking to design a more meaningful second act. This book is further enriched by the contributions of subject matter experts, including Martin Toh on Insurance, CW Tan on Investment Products, and Anna Png on Property.

What This Book Offers?
F.I.R(Re-career).E. is not just about early retirement. It is about creating financial and career flexibility to live on your own terms—contributing meaningfully, working purposefully, and living intentionally. Through real-life examples and actionable tools, readers will discover how to:

• Build a resilient financial foundation and long-term wealth strategy

• Align work with passion and purpose

• Navigate transitions and reinvent careers with confidence

• Design a lifestyle of sustainability, fulfilment, and freedom

Inside the Book
Part I: Laying the Foundation
Discover the mindset and motivation behind the F.I.R(Re-career).E. movement—featuring the author’s personal journey, key shifts, and planning tools for redefining success.

– Purpose-driven mindset.
– Career, financial, and health alignment: The 3 Pillars of Life Planning.
– Resilience and change readiness.

Part II: Financial Planning for Freedom
A practical guide to building and protecting wealth across life stages, with expert insights on insurance, investing, and property.

– Goal setting, CPF/SRS optimization.
– Insurance and risk (Martin Toh).
– Investment strategies (CW Tan).
– Property planning (A Png).
– Tax and wealth preservation.

Part III: Re-career with Purpose
Plan and transition into a fulfilling second act—through portfolio careers, solopreneurship, and intentional living.

– Mental readiness and mindset shifts.
– Flexible, impact-driven career paths.
– Lifestyle design and wellbeing.

Why This Book Matters
F.I.R(Re-career).E. is for professionals and anyone seeking more than conventional retirement. It’s about designing a fulfilling, financially free life on your own terms—regardless of age or career stage.

This book equips readers to:

• Break out of limiting financial and career paradigms.

• Create a personalized path to financial independence.

• Transition confidently into a second career or lifestyle by design.

• Live with purpose, impact, and joy—starting today.

Work less. Live more. Start today.

Perfect for graduates, professionals, mid-career changemakers, aspiring retirees, or anyone looking to align wealth with purpose.