Suffering from inferiority complex when I was young, I’ve never made any really bold decisions in my life. The biggest decision I made was taking my entire savings to pay for my studies in the UK. With no luck in finding any job in London after graduation, I returned to Singapore, only to be hit by the Asian financial crisis. Front office banking jobs disappeared. I went into risk management instead. I took a series of small actions to develop myself and that led me to eventually move to UBS Investment Bank as a Managing Director. Today, I have a portfolio career which consists of writing, teaching, coaching and speaking. I founded Institute of Life with a mission to train young professionals to be successful at work and in life.