The Singapore Grind Was Never Meant to Make You Rich

By MERLION$ | Merlion Finance

Let’s be real — in Singapore, the grind doesn’t make you rich.
It keeps you barely comfortable.

You wake up at 7am, squeeze into an MRT, spend 9 hours staring at a screen, collect your paycheck, and call it “stability.” But stability isn’t wealth. It’s just the illusion that you’re safe — until the rent goes up, your expenses creep higher, and suddenly that 4K–6K monthly salary doesn’t stretch the way it used to.

Meanwhile, someone your age just flipped an NFT for 10 grand, another made passive income off REITs, and your CPF interest barely beats inflation.

So no, it’s not that you’re lazy.
It’s that the game was never designed for you to win by playing safe.

🧠 The Harsh Truth: The System Rewards Owners, Not Workers

Every “employee success story” you’ve been fed was written in a different era.
Your grandparents bought property when HDBs cost 30K.
Your parents built savings when fixed deposits paid 5%.
You? You’re fighting inflation, stagnant wages, and a global market that moves faster than HR approvals.

Working harder doesn’t multiply your wealth — owning something does.

Own assets that appreciate (stocks, crypto, property, businesses).
Own skills that compound (coding, finance, marketing, AI).
Own your time — because that’s the real currency.

💰 The New Formula for “Making It”

Forget “save 20% of your income.”
That’s a retirement plan for people who want to die safe, not live free.

The new playbook is this:

Earn → Learn → Multiply → Escape.

Earn from your main hustle. Don’t quit yet.
Learn how money actually works — read, watch, experiment.
Multiply your cash through investments that make money while you sleep.
Escape the cycle by building assets that pay you, not the other way around.

This blog — Merlion Finance — is where I’ll show you how to do it without the fluff.
No “7-step secrets” or fake gurus flexing rented Lambos.
Just real talk, numbers, and strategies that actually make sense for Singaporeans living in 2025.

🦁 Final Word: Don’t Work Harder. Think Sharper.

The grind will never end.
But your participation in it? That’s optional.

Welcome to Merlion Finance — where we learn how to stop working for money and start making money work for us.

Stay rational. Stay ballin’.
– MERLION$

The Merlion Baller