My FIRE Coach Sylvia Martin

22/05/2026

𝗟𝗢𝗩𝗘 𝗶𝘀 𝗻𝗼𝘁 𝗷𝘂𝘀𝘁 𝗮 𝗙𝗘𝗘𝗟𝗜𝗡𝗚

𝗜𝘁 𝗶𝘀 𝗮 𝗖𝗛𝗢𝗜𝗖𝗘
𝗜𝘁 𝗶𝘀 𝗮 𝗥𝗘𝗦𝗣𝗢𝗡𝗦𝗜𝗕𝗜𝗟𝗜𝗧𝗬
𝗜𝘁 𝗶𝘀 𝗔𝗖𝗧𝗜𝗢𝗡

Let us love not just in words, but through how we act, live and care for others.

Here’s what that looks like in our community:
✅ Creating margin so we have time to show up for loved ones
✅ Building financial peace so we can say “yes” to helping others without burnout
✅ Choosing intentional living over endless consumption

𝘽𝙚𝙘𝙖𝙪𝙨𝙚 𝙩𝙧𝙪𝙚 𝙬𝙚𝙖𝙡𝙩𝙝 𝙞𝙨𝙣’𝙩 𝙟𝙪𝙨𝙩 𝙞𝙣 𝙮𝙤𝙪𝙧 𝙞𝙣𝙫𝙚𝙨𝙩𝙢𝙚𝙣𝙩𝙨 — 𝙞𝙩’𝙨 𝙞𝙣 𝙩𝙝𝙚 𝙡𝙞𝙫𝙚𝙨 𝙮𝙤𝙪 𝙩𝙤𝙪𝙘𝙝 𝙖𝙣𝙙 𝙩𝙝𝙚 𝙥𝙧𝙚𝙨𝙚𝙣𝙘𝙚 𝙮𝙤𝙪 𝙜𝙞𝙫𝙚.

👇 How has your FIRE journey helped you love better?
Comment below. Let’s inspire each other.

❤️ Tag someone you’re building a better future with."

24/04/2026

Jan 2026 was a heavy month.

Not because of markets…
But because of life.

I saw more hospital admissions than usual.
And one case hit very close to home.

HDU.
Condition improving.
Patient could move.

Doctors asked the nurses, “Why is this patient still here?”

But in moments like this, you don’t debate.
You prioritise recovery and follow through.

What many don’t realise is this:

𝗔 𝗵𝗲𝗮𝗹𝘁𝗵 𝗰𝗿𝗶𝘀𝗶𝘀 𝗶𝘀 𝗻𝗲𝘃𝗲𝗿 𝗷𝘂𝘀𝘁 𝗺𝗲𝗱𝗶𝗰𝗮𝗹.
𝗜𝘁 𝗵𝗶𝘁𝘀 𝗼𝗻 𝟯 𝗳𝗿𝗼𝗻𝘁𝘀 𝗮𝘁 𝗼𝗻𝗰𝗲:

🧠 Mental — Decisions, uncertainty, second-guessing
💪 Physical — Pain, energy drain, slow recovery
💸 Financial — The part that quietly compounds stress

This case?

👉 1 week
👉 No surgery
👉 No major procedure

💰 RM60,000

𝙏𝙝𝙞𝙨 𝙞𝙨 𝙬𝙝𝙚𝙧𝙚 𝙁𝙄𝙍𝙀 𝙞𝙨 𝙤𝙛𝙩𝙚𝙣 𝙢𝙞𝙨𝙪𝙣𝙙𝙚𝙧𝙨𝙩𝙤𝙤𝙙.

𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙄𝙣𝙙𝙚𝙥𝙚𝙣𝙙𝙚𝙣𝙘𝙚 𝙞𝙨 𝙣𝙤𝙩 𝙟𝙪𝙨𝙩 𝙖𝙗𝙤𝙪𝙩
“𝘾𝙖𝙣 𝙄 𝙧𝙚𝙩𝙞𝙧𝙚 𝙚𝙖𝙧𝙡𝙮?”

𝙄𝙩’𝙨 𝙖𝙗𝙤𝙪𝙩:

✔️ 𝙃𝙖𝙫𝙞𝙣𝙜 𝙩𝙝𝙚 𝙛𝙧𝙚𝙚𝙙𝙤𝙢 𝙩𝙤 𝙘𝙝𝙤𝙤𝙨𝙚 𝙩𝙝𝙚 𝙗𝙚𝙨𝙩 𝙘𝙖𝙧𝙚
✔️ 𝙉𝙤𝙩 𝙙𝙚𝙡𝙖𝙮𝙞𝙣𝙜 𝙩𝙧𝙚𝙖𝙩𝙢𝙚𝙣𝙩 𝙗𝙚𝙘𝙖𝙪𝙨𝙚 𝙤𝙛 𝙘𝙤𝙨𝙩
✔️ 𝙋𝙧𝙤𝙩𝙚𝙘𝙩𝙞𝙣𝙜 𝙮𝙤𝙪𝙧 𝙛𝙖𝙢𝙞𝙡𝙮 𝙛𝙧𝙤𝙢 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙨𝙝𝙤𝙘𝙠
✔️ 𝙎𝙩𝙖𝙮𝙞𝙣𝙜 𝙛𝙤𝙘𝙪𝙨𝙚𝙙 𝙤𝙣 𝙧𝙚𝙘𝙤𝙫𝙚𝙧𝙮 — 𝙣𝙤𝙩 𝙗𝙞𝙡𝙡𝙨

𝘽𝙚𝙘𝙖𝙪𝙨𝙚 𝙬𝙝𝙚𝙣 𝙘𝙧𝙞𝙨𝙞𝙨 𝙝𝙞𝙩𝙨,
𝙡𝙞𝙦𝙪𝙞𝙙𝙞𝙩𝙮 𝙢𝙖𝙩𝙩𝙚𝙧𝙨 𝙢𝙤𝙧𝙚 𝙩𝙝𝙖𝙣 𝙧𝙚𝙩𝙪𝙧𝙣𝙨.
𝙋𝙧𝙤𝙩𝙚𝙘𝙩𝙞𝙤𝙣 𝙢𝙖𝙩𝙩𝙚𝙧𝙨 𝙢𝙤𝙧𝙚 𝙩𝙝𝙖𝙣 𝙥𝙧𝙤𝙟𝙚𝙘𝙩𝙞𝙤𝙣.

Grateful this story had a good outcome.

17/04/2026

𝗥𝗲𝗮𝗹 𝗖𝗮𝘀𝗲 𝗦𝘁𝘂𝗱𝘆

Jan 2026:
Met a client, age 50.
Her question was simple…
“𝗖𝗮𝗻 𝗜 𝗿𝗲𝘁𝗶𝗿𝗲 𝗶𝗻 𝟱 𝘆𝗲𝗮𝗿𝘀?”

I unpacked her concerns, her lifestyle goals, and gathered all her financial details. Then I went back to do the real work.

Feb 2026:
Presented the plan.
Good news… Yes, you can retire in 5 years by following the plan.

She agreed to immediately start executing—gradually moving her savings from her bank into a more structured investment portfolio.

Because of daily transfer limits, I had to remind her… almost every day 😄

Then suddenly… silence.

No replies.

She wanted a meet up

Mar 2026:
We met again. She shared her concerns — the ongoing Iran war made her uneasy, and she wanted to pause and reassess.
Should she continue or hold on

I went back to the original strategy.
Did a pit stop review of her current portfolio.
Explained how global events like war actually impact (or don’t impact) her investments. I had given her a balanced portfolio.

Clarity replaced fear.
Confidence came back.

We continued the plan.
And she committed to go ahead with a additional monthly auto investment plan

This is what a coach does.

Yes, we agreed on quarterly reviews.
But real life doesn’t happen quarterly.

When something big happens — in the world or in your mind —
we pause, reassess, and realign.

𝘽𝙚𝙘𝙖𝙪𝙨𝙚 𝙩𝙝𝙚 𝙜𝙤𝙖𝙡 𝙞𝙨 𝙨𝙞𝙢𝙥𝙡𝙚:
𝙎𝙩𝙖𝙮 𝙤𝙣 𝙩𝙝𝙚 𝙨𝙝𝙞𝙥 𝙩𝙝𝙖𝙩 𝙗𝙧𝙞𝙣𝙜𝙨 𝙮𝙤𝙪 𝙩𝙤 𝙮𝙤𝙪𝙧 𝙙𝙚𝙨𝙩𝙞𝙣𝙖𝙩𝙞𝙤𝙣.

𝙏𝙝𝙚 𝙩𝙞𝙙𝙚𝙨 𝙬𝙞𝙡𝙡 𝙘𝙤𝙢𝙚.
𝙃𝙞𝙜𝙝 𝙩𝙞𝙙𝙚𝙨, 𝙡𝙤𝙬 𝙩𝙞𝙙𝙚𝙨… 𝙩𝙝𝙖𝙩’𝙨 𝙥𝙖𝙧𝙩 𝙤𝙛 𝙩𝙝𝙚 𝙟𝙤𝙪𝙧𝙣𝙚𝙮.

𝘽𝙪𝙩 𝙙𝙤𝙣’𝙩 𝙖𝙗𝙖𝙣𝙙𝙤𝙣 𝙩𝙝𝙚 𝙨𝙝𝙞𝙥 𝙝𝙖𝙡𝙛𝙬𝙖𝙮.

16/04/2026

💬 𝗙𝗲𝗲𝗹𝗶𝗻𝗴 𝘂𝗻𝗰𝗲𝗿𝘁𝗮𝗶𝗻 𝗮𝗯𝗼𝘂𝘁 𝘁𝗵𝗲 𝗺𝗮𝗿𝗸𝗲𝘁𝘀 𝗹𝗮𝘁𝗲𝗹𝘆?

You’re not alone — many of my investors are asking:
-𝘔𝘢𝘳𝘬𝘦𝘵𝘴 𝘩𝘢𝘷𝘦 𝘢𝘭𝘳𝘦𝘢𝘥𝘺 𝘥𝘳𝘰𝘱𝘱𝘦𝘥 𝘴𝘰 𝘮𝘶𝘤𝘩… 𝘴𝘩𝘰𝘶𝘭𝘥𝘯’𝘵 𝘐 𝘫𝘶𝘴𝘵 𝘩𝘰𝘭𝘥 𝘤𝘢𝘴𝘩 𝘰𝘳 𝘍𝘋𝘴?
-𝘐 𝘥𝘰𝘯’𝘵 𝘮𝘪𝘯𝘥 𝘵𝘢𝘬𝘪𝘯𝘨 𝘳𝘪𝘴𝘬, 𝘣𝘶𝘵 𝘮𝘺 𝘦𝘹𝘪𝘴𝘵𝘪𝘯𝘨 𝘱𝘰𝘳𝘵𝘧𝘰𝘭𝘪𝘰 𝘪𝘴 𝘭𝘰𝘴𝘪𝘯𝘨 𝘮𝘰𝘯𝘦𝘺, 𝘦𝘴𝘱𝘦𝘤𝘪𝘢𝘭𝘭𝘺 𝘵𝘩𝘪𝘴 𝘺𝘦𝘢𝘳.
-𝘍𝘰𝘳𝘨𝘦𝘵 𝘢𝘣𝘰𝘶𝘵 𝘵𝘩𝘦 𝘩𝘰𝘶𝘴𝘦 𝘷𝘪𝘦𝘸… 𝘫𝘶𝘴𝘵 𝘵𝘦𝘭𝘭 𝘮𝘦 𝘸𝘩𝘢𝘵 𝘢𝘤𝘵𝘪𝘰𝘯𝘴 𝘮𝘢𝘬𝘦 𝘴𝘦𝘯𝘴𝘦 𝘯𝘰𝘸!

If you have been raising similar concerns, this upcoming live session would be a timely opportunity for you to gain clearer perspective and actionable insights — with the added benefit of having your questions addressed live during the session or you can ask me anytime too

🧭 𝗧𝗼𝗽𝗶𝗰: 𝗠𝗮𝗿𝗸𝗲𝘁𝘀 𝗙𝗮𝗹𝗹𝗶𝗻𝗴 – 𝗕𝘂𝘆 𝘁𝗵𝗲 𝗗𝗶𝗽 𝗼𝗿 𝗦𝘁𝗮𝘆 𝗔𝘄𝗮𝘆?
🎤 𝗦𝗽𝗲𝗮𝗸𝗲𝗿: 𝗥. 𝗕𝘂𝘀𝗵𝗮𝗻 (𝗶𝗙𝗔𝗦𝗧 𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗖𝗼𝘂𝗻𝘀𝗲𝗹𝗹𝗼𝗿)
🗓 𝗗𝗮𝘁𝗲: 𝟭𝟴 𝗔𝗽𝗿𝗶𝗹 𝟮𝟬𝟮𝟲 (𝗖𝗼𝘂𝗻𝘁𝗱𝗼𝘄𝗻 𝟮 𝗱𝗮𝘆𝘀! 🚨)
⏰ 𝗧𝗶𝗺𝗲: 𝟵:𝟯𝟬 𝗔𝗠
🔗 𝗥𝗲𝗴𝗶𝘀𝘁𝗲𝗿 𝗛𝗲𝗿𝗲: 𝗵𝘁𝘁𝗽𝘀://𝘇𝗼𝗼𝗺.𝘂𝘀/𝗷/𝟵𝟴𝟰𝟴𝟱𝟰𝟭𝟳𝟭𝟳𝟵?𝗽𝘄𝗱=𝘀𝗱𝗱𝘃𝗴𝗥𝗭𝟰𝗼𝗛𝗫𝗖𝗬𝟱𝗭𝗗𝗛𝗰𝗩𝗻𝗬𝟳𝗶𝗰𝗗𝗵𝘀𝘃𝘅𝗖.𝟭

Bushan will cut through the noise to discuss what’s really happening in markets, where opportunities are emerging — and most importantly, what to do with your portfolio now.

Scan QR to Register Now!

See you there!

10/04/2026

True Story

While going thru my client's financial planning

“𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝘃𝗲𝗿𝘆 𝗲𝘅𝗽𝗲𝗻𝘀𝗶𝘃𝗲.”

Then...they showed me their new phone 😄

Priorities very clear.

RM5,000 phone ✔️
Protect RM500,000 income ❌

𝙎𝙤𝙢𝙚𝙩𝙞𝙢𝙚𝙨 𝙞𝙩’𝙨 𝙣𝙤𝙩 𝙖𝙗𝙤𝙪𝙩 𝙖𝙛𝙛𝙤𝙧𝙙𝙖𝙗𝙞𝙡𝙞𝙩𝙮.

𝙄𝙩’𝙨 𝙖𝙗𝙤𝙪𝙩 𝙬𝙝𝙖𝙩 𝙬𝙚 𝙩𝙝𝙞𝙣𝙠 𝙞𝙨 𝙞𝙢𝙥𝙤𝙧𝙩𝙖𝙣𝙩.

05/04/2026

𝗘𝘃𝗲𝗿𝘆𝘁𝗵𝗶𝗻𝗴 𝘄𝗼𝗿𝘁𝗵𝘄𝗵𝗶𝗹𝗲 𝗼𝗳𝘁𝗲𝗻 𝗰𝗼𝗺𝗲𝘀 𝘁𝗵𝗿𝗼𝘂𝗴𝗵 𝘀𝘂𝗳𝗳𝗲𝗿𝗶𝗻𝗴.

Women who have given birth understand this best —
after enduring labour pains, we are gifted with the indescribable joy of holding our newborn.

𝙏𝙝𝙞𝙨 𝙀𝙖𝙨𝙩𝙚𝙧, 𝙬𝙚 𝙖𝙧𝙚 𝙧𝙚𝙢𝙞𝙣𝙙𝙚𝙙 𝙤𝙛 𝙩𝙝𝙚 𝙪𝙡𝙩𝙞𝙢𝙖𝙩𝙚 𝙨𝙖𝙘𝙧𝙞𝙛𝙞𝙘𝙚 𝙖𝙣𝙙 𝙡𝙤𝙫𝙚.

Thank God for His passion and suffering for us.

May the Risen Christ fill us with renewed faith, hope, and love.

Wishing all who are celebrating a blessed and holy Easter ✝️

30/03/2026

𝗪𝗵𝗲𝗻 𝗽𝗲𝗼𝗽𝗹𝗲 𝘁𝗮𝗹𝗸 𝗮𝗯𝗼𝘂𝘁 𝗙𝗜𝗥𝗘 (Financial Independence, Retire Early),
the focus is often on the numbers —
how much is enough, how fast we can get there, what returns we can achieve.

Important? Absolutely.
But lately, I’ve been reflecting on a deeper question with my clients…

What are you retiring for?

Because true financial independence is more than hitting a number.

It’s about having the freedom to create meaningful memories.
To build traditions with your loved ones.
To be present for the moments that truly matter.
To pass down values, not just wealth.

FIRE gives you the option to stop working.
But what truly matters… is what you choose to start.

Because at the end of the day,
no portfolio, no withdrawal rate, no spreadsheet
can fully capture the life you’ve lived — and the legacy you leave behind.

Came across this video recently… a powerful reminder of what we’re really working towards ❤️

A father’s sternness hides quiet love, shaping who we are. Raya reminds us that legacy goes beyond success, it's the values and traditions carried forward. T...

21/03/2026

Selamat Hari Raya Aidilfitri

Lemang rendang dinikmati bersama
Syawal indah eratkan silaturahim
Maaf zahir batin

07/03/2026

𝗥𝗠𝟯.𝟴 𝗠𝗶𝗹𝗹𝗶𝗼𝗻 𝗚𝗼𝗻𝗲.

A doctor recently lost RM3.8 million to an investment scam.

Yes — even highly educated professionals can fall victim when something sounds too good to be true.

The scheme promised very high returns in a short time and over time he transferred millions into multiple accounts… only to discover the investment didn’t exist.

We are easily tempted by investments that sound very attractive.

That’s why experience has taught me one important habit:

Pause and verify before you invest.

Before putting your hard-earned money anywhere, always check:
✔ Is the company registered with the Securities Commission Malaysia
✔ Is the activity regulated by Bank Negara Malaysia
✔ Do you truly understand the underlying investment — how exactly the returns are generated?

If someone cannot clearly explain how the money grows, that is already a red flag.

Remember:
𝙄𝙩 𝙞𝙨 𝙖𝙡𝙬𝙖𝙮𝙨 𝙗𝙚𝙩𝙩𝙚𝙧 𝙩𝙤 𝙗𝙚 𝙨𝙖𝙛𝙚 𝙩𝙝𝙖𝙣 𝙨𝙤𝙧𝙧𝙮.

𝘼 𝙜𝙤𝙤𝙙 𝙞𝙣𝙫𝙚𝙨𝙩𝙢𝙚𝙣𝙩 𝙗𝙪𝙞𝙡𝙙𝙨 𝙬𝙚𝙖𝙡𝙩𝙝 𝙨𝙡𝙤𝙬𝙡𝙮 𝙖𝙣𝙙 𝙨𝙪𝙨𝙩𝙖𝙞𝙣𝙖𝙗𝙡𝙮.
𝘼 𝙗𝙖𝙙 𝙤𝙣𝙚 𝙘𝙖𝙣 𝙬𝙞𝙥𝙚 𝙤𝙪𝙩 𝙮𝙚𝙖𝙧𝙨 𝙤𝙛 𝙝𝙖𝙧𝙙 𝙬𝙤𝙧𝙠 𝙤𝙫𝙚𝙧𝙣𝙞𝙜𝙝𝙩.

Protect your wealth.
Ask questions.
Do your checks.

26/02/2026

𝗗𝗼𝗻’𝘁 𝗲𝗻𝘃𝘆 𝗼𝘁𝗵𝗲𝗿𝘀’ 𝘀𝘂𝗰𝗰𝗲𝘀𝘀.

Once a year, I sit at the table with a group of highly experienced business owners.

Different industries.
Different journeys.
Same scars. Same grit.

We became so absorbed in each other’s stories — the risks taken, the failures endured, the reinventions made — that we forgot to take any photos of the food. We only remembered when the last dish was served.

That’s when you know the conversation was richer than the menu.

I am constantly reminded that behind every “successful business” is a very human story:

Sleepless nights
Difficult decisions
Cashflow pressure
Near collapses
Relentless belief when no one else could see the vision

What struck me most?
Some of them are still actively building businesses well into their 60s and 70s.

Not because they have to.
But because 𝘁𝗵𝗲𝘆 𝗰𝗵𝗼𝗼𝘀𝗲 𝘁𝗼.

They continue to contribute, mentor, and give back.
This is true financial independence.
Many here have achieved their FIRE goals

This is the heart behind My FIRE Coach — 𝙬𝙤𝙧𝙠 𝙗𝙚𝙘𝙖𝙪𝙨𝙚 𝙮𝙤𝙪 𝙬𝙖𝙣𝙩 𝙩𝙤, 𝙣𝙤𝙩 𝙗𝙚𝙘𝙖𝙪𝙨𝙚 𝙮𝙤𝙪 𝙝𝙖𝙫𝙚 𝙩𝙤.

Longevity at this level is not luck.
It is resilience, passion and clarity compounded over decades.

𝘿𝙤𝙣’𝙩 𝙚𝙣𝙫𝙮 𝙩𝙝𝙚 𝙤𝙪𝙩𝙘𝙤𝙢𝙚.
𝙍𝙚𝙨𝙥𝙚𝙘𝙩 𝙩𝙝𝙚 𝙟𝙤𝙪𝙧𝙣𝙚𝙮.

Grateful for rooms like this.
Iron sharpens iron.


MyFIRECoach

05/01/2026

📢 EPF 2026: Key Policy & Product Enhancements You Should Know

Starting 1 January 2026, Employees Provident Fund (EPF) is rolling out major enhancements to help Malaysians build stronger retirement savings, improve flexibility, and expand social protection.

Here’s a simple breakdown 👇

🕋 1️⃣ Higher Hajj Withdrawal Limit
✅ Increased from RM3,000 → RM10,000
✅ No need to verify Tabung Haji balance anymore
🎯 Easier planning for members performing Hajj

🚗 2️⃣ New i-Saraan Plus & i-Suri Extended to Age 60
🔹 i-Saraan Plus (NEW)
* For e-hailing & p-hailing drivers
* Government incentive up to RM600/year
* Lifetime cap: RM6,000
* Flexible contribution via platform providers

🔹 i-Suri (Enhanced)
* Eligibility extended from age 55 → 60
* Government incentive continues:
👉 50% of contribution
👉 Up to RM300/year, RM3,000 lifetime

💰 3️⃣ New Retirement Income Adequacy (RIA) Framework
From 2026, EPF introduces 3 savings benchmarks to guide a meaningful retirement:
Tier Target Savings
🟢 Basic RM390,000
🔵 Adequate RM650,000
🟣 Enhanced RM1.3 million

What’s new? ✔ Members with > RM1 million can withdraw excess savings gradually
✔ Withdrawal threshold increases RM100,000 per year (starting RM1.1m in 2026)
✔ Members’ Investment Scheme (MIS) aligned to protect basic retirement needs

💡 4️⃣ New Names to Encourage Voluntary Savings
EPF has refreshed its voluntary contribution options:
* i-Simpan → Self-Contributions
* i-Topup → Voluntary Excess Contributions

These complement existing options like i-Saraan, i-Suri, i-Sayang, and Akaun Persaraan Top-Up.

🧭 Why This Matters
✔ Better retirement adequacy
✔ More flexibility without compromising long-term security
✔ Stronger support for self-employed & gig workers
✔ Aligned with rising cost of living

Retirement planning is no longer optional — it’s a life strategy.
💡 Start early. Contribute consistently. Review regularly.