Respect

In partnership with

Arigato, dear investor,

Over the past week, I’ve been diving into “Take Back Control of Your Money” by SG Budget Babe, Dawn Cher. And wow—I have so much respect for her.

The lessons I’ve picked up so far really spoke to me, and I want to share them with you today:

1. Your financial struggle can be your greatest blessing

Dawn wasn’t born with a silver spoon. She worked multiple jobs just to pay off her university fees, and with her first full-time income of just $2,500 a month, she still managed to save her first $20,000 within a year. That milestone gave her the confidence to start investing.

Her story reminded me of my own. When my dad was retrenched in the same year I was about to graduate, I felt the weight of responsibility as the eldest daughter. It was a tough time, but it was also the motivation that pushed me to look for different income streams outside of a job—and eventually, to investing.

Sometimes our financial struggles are really blessings in disguise, if we choose to rise to the challenge.

2. Everything has a price—be willing to pay for it

It’s easy to admire Dawn’s success today, but few people see the sacrifices behind it. From hustling as a student (teaching 9 tuition kids at once!), to building her blog SG Budget Babe while working full-time, to raising 3 kids while still finding time to learn and invest—it’s her persistence and determination that built her million-dollar portfolio.

If you want to level up your life, ask yourself: What sacrifices am I willing to make for the success I desire?

3. Women are better investors (yes, really!)

Too often, women doubt themselves when it comes to money. But studies show women actually tend to be better investors—we’re more patient, more risk-aware, and more disciplined, which often leads to stronger long-term results.

As Warren Buffett says: “The most important quality for an investor is temperament, not intellect.”

Neither Dawn nor I have finance degrees, yet both of us built million-dollar portfolios. Right now, we are also guiding several ladies in our Women Investors Network (WIN) to level up their investment portfolios together each month, and we’re so happy to see many of them achieving 4–5 figure returns since joining us just a few months ago!

So don’t let “lack of knowledge” hold you back. The real question is: Are you willing to build the temperament and mindset of a great investor?

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4. Never stop learning

Even as a millionaire investor, Dawn never stops studying, analyzing, and surrounding herself with like-minded investors. I’m fortunate to be one of them.

Investing is a lifelong journey, and so is growth. The more you keep learning, the more opportunities will come chasing after you.

If you haven’t read her book yet, I highly recommend you grab a copy—and even pass it on to women you want to inspire to start their own journey.

This weekend, Dawn and I are conducting our 2-Pillar (Stocks + ETF) AI Investing Bootcamp, where we’ll reveal the 2 key strategies that helped us build our millions from the stock market. We still have a few spots left—if you’d like to find out more, reply ‘2PAI’ and I’ll send you the details!

And to all the women reading this: never underestimate the power you hold. You don’t need a finance degree or a wealthy background to build a strong portfolio and take charge of your future. What you need is the courage to start, the patience to learn, and the belief that you are capable.

Let’s step up, support one another, and take back control of our money—together. 💪✨

I believe in you! 💛

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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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