my sister’s boyfriend

In partnership with

Arigato, dear investor,

I accidentally eavesdropped on my younger sister’s conversation with her boyfriend… and what I heard shocked me.

They were talking about their insurance policies, and I found out her boyfriend is paying $3,700 a year for a whole life critical illness insurance plan. 🤯

When he asked me how much I was paying for my own whole life policy, I said:
“I don’t have one.”

And he was stunned.

Here’s why:

• I don’t own any whole life or investment-linked plans (the fees are too high, and returns usually get eaten away).

• My portfolio is built on term insurance that covers me until 75, and it covers me sufficiently for any early, late critical illness, death or even TPD.

• I have a hospitalisation plan that covers me Ward A government hospital (yes, I don’t buy private hosptical coverage because the fees are crazy)

• In total, I pay about $3,800 a year for insurance — and I’m well covered.

So when I told him, “Your one policy is basically the cost of my entire portfolio of protection,” he was speechless.

According to MAS, we shouldn’t allocate more than 15% of our take-home pay on insurance protection.

My sister’s bf is only 26 years old. In my opinion, he doesn’t need to be over-insuring himself. That $3,700 could be put to much better use.

👉 For example, if he simply invested that amount every year into an S&P 500 index fund, which historically returns around 10% annually, here’s what it could grow into in 20 years:

That’s over $200K — money that could be compounding for his future, instead of disappearing into a policy he may not even need right now.

It reminded me of the video I released earlier:
👇️ 8 Middle Class Habits That Keep You Poor

In it, I talk about how many people unknowingly stretch themselves thin — not just with expensive insurance, but also with things like unnecessary subscriptions (Netflix, Spotify, Disney+, cloud storage) or luxury spending just to “keep up.”

The truth? These little (and big) leaks can quietly drain your wealth and delay your financial freedom.

That’s why I created the Arigato Money Clarity Tracker — a free tool to help you clearly see where your money is going and cut what’s not serving you.

And just to be clear: I’m not against insurance. I believe in protection — but only what’s necessary for your stage of life. Anything more is fear-driven overspending.

In fact, I recently reviewed my own policies with my friend Brill, an independent financial consultant (not tied to any insurance company). Thanks to his advice, I managed to cut $1,700 a year from my premiums — while protecting my meaningful coverage.

He even helped my sister review her portfolio yesterday—it was so insightful and ended up saving her some money too! 🙌 If you’d like Brill to come into our community and share tips on how to properly structure your insurance portfolio and save more money while having a meaningful coverage, just reply “Brill.” If enough of you are interested, I might be able to convince him to do a free session for us!

At the end of the day, financial freedom isn’t about spending more.
It’s about spending wisely — protecting what matters, investing for the future, and cutting the noise. 🌸

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Arigato!

Chloe
Arigato Investor

Just a quick heads-up 🌸 Except for Instagram, where I may reply if you comment on my posts, I’ll never initiate a private message to you on any platform. So if you ever get a DM from someone claiming to be “Chloe” or “The Arigato Investor” on Telegram or TikTok — please know that’s not me. It’s a scammer impersonating my account. Stay safe and always double-check 💛

The information provided in this newsletter is for informational purposes only and does not constitute financial advice. Readers should seek their own independent financial advice before making any investment decisions. Please note that the opinions expressed in this newsletter are Chloe's own and do not represent the views of any organization. Always perform your own research and due diligence before investing. 💛

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