What if the biggest progress in my financial independence journey over the past three months wasn't how much money I made, but how my relationship with money has changed? My portfolio has improved slightly, but there hasn't been any dramatic change in my overall financial position. There is still a long way to go before I can comfortably say that I have achieved financial freedom. Interestingly, I have been spending less...
There's a particular kind of discomfort in watching QQQ climb week after week while your own portfolio quietly drifts the other way. That's exactly where I find myself writing this update. The index has been up — meaningfully — over the past three months. And yet here I am, in the red. It would be easy to read that as a failure. I've learned to read it differently. The rally I...
This year didn’t start well. I wouldn’t go as far as saying it has been a difficult year, but it certainly hasn’t been smooth. The market opened with volatility, and much of it was driven by something that I think is still underappreciated—AI disruption happening faster than expected. We are starting to see tools like Grok and other AI agents changing how work gets done. Tasks that once required specialised software...

UiPath: Betting on the AI Orchestration Layer

UiPath's stock has faced significant headwinds over the past year. Revenue growth has decelerated, concerns about AI disruption persist, and the share price has...

🎄 Merry Christmas — A Year-End Reflection from FireByforty

Merry Christmas, everyone!It feels almost poetic that I’m writing this again right before a flight — a familiar pattern by now. In a few...

Ding Ding! Investment Portfolio Just Leveled Up to $1M

Last Friday night (12th September), just as I was about to drift off to sleep, I found myself refreshing my Interactive Brokers app like...

Is Apple Still Innovating- or Just Sustaining?

Apple just launched the iPhone 17 series- the thinnest iPhone ever. It looks stunning, it's sleek, and the media is raving about it. At...

Still Holding: My Mid-Year Financial Update in a Tesla Storm

There hasn’t been a time when Tesla investors have been so divided. Many are urging Elon Musk to stay out of politics. Personally, I...

Seeing Beyond the Surface: Why I Still Believe in Tesla

The Tesla rage is real.Few companies ignite as much controversy — or confusion — as Tesla. Some still call it just a car company....

About Kelvin

Join me on the journey to FIRE by 40! I share insights on investing, smart money habits, and achieving financial independence. Let's reach our goals together!

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