ibuytoto
Free consultation report

Find what is draining your time or money.

You do not need to book a call first. Fill in the form with the honest version of what is eating your time, money, or headspace. I will read it myself and send back a short report with the areas I think are worth looking at first.

The report is meant to give you a quick glance at what could potentially save time or money, so you can redeploy that capacity into family, rest, runway, business, or whatever matters more than constantly catching up.

Free first pass

Try FIRE calculators first

After the report, you may follow up if you think there is a useful consultation angle. No hard sell, no product pushing, and not formal financial advice.

What this is
  • A free first-pass report before you commit to any consultation call.
  • A practical scan for time leaks, money leaks, hidden load, and better levers.
  • Low-pressure help from someone who already lives inside these time tradeoffs.
What this is not
  • Not an AI-hype pitch.
  • Not formal financial advice or product pushing.
  • Not a promise that every leak is worth fixing.
Step 1

The problem is usually not that you are lazy. It is that the leaks have become normal.

Your week disappears in small pieces

A bit of admin here, a messy handoff there, one more decision after work. None of it looks dramatic, but somehow your real life gets pushed to the side.

The numbers feel a bit too blurry

You know money and time are linked, but it is hard to tell which spending, saving, tool, or paid-help decision would actually give you breathing room.

You are tired of carrying it alone

Sometimes you do not need a grand transformation. You just need someone practical to look at the load with you and point out where the leak might be.

Step 2

The free report is for spotting where to look first, not forcing one answer.

First pass

Time leaks

Spot the repeat tasks, decisions, errands, handoffs, and background responsibilities quietly eating into evenings and weekends.

First pass

Money leaks

Look for places where spending, saving, subscriptions, tools, paid help, or retirement assumptions may be working against the life you want.

First pass

The next lever

Decide whether the practical move is automation, delegation, hired help, a cleaner process, sharper boundaries, or simply not fixing the wrong thing.

Step 3

A quick self-check before you ask me to take a look.

Good fit
  • You feel like your time, money, or mental load is leaking somewhere, but you have not had space to look at it properly.
  • You want a practical first read before deciding whether a deeper consultation is worth it.
  • You are open to answers beyond AI: delegation, paid help, better tools, clearer boundaries, or more honest money planning.
Probably not the best fit
  • You are looking for formal financial advice, product recommendations, or guaranteed returns.
  • You want a generic AI answer, a hype pitch, or someone to force automation into every problem.
  • You already know exactly what to do and only need someone to rubber-stamp it.
Step 4

I live inside the same time tradeoffs.

Hey there, I'm CM. I am a full-time software engineer and also doing a part-time Master's at NUS, so I am very familiar with juggling time across work, school, family, friends, and rest.

That is why I care about practical ways to lighten the load. I am not chasing perfect productivity. I am looking for the boring, sensible lever that actually gives real time, lower friction, and more mental space back.

I am not a financial advisor, and I am not here to push products. These conversations are about making your life or work system lighter in the most practical way available.

Step 5

Clearer process, lower pressure, something useful first.

Step 1

You fill in the form with the honest version of what is eating time, money, or headspace.

Step 2

I read it myself and put together a short free report with the areas I think are worth looking at first.

Step 3

I send the report to your email so you have something useful even before any call happens.

Step 4

If there is a consultation angle after that, I may follow up through the mobile channels you selected.

Step 6

Tell me what feels heavy. I will turn it into a first-pass report.

You do not need a perfectly diagnosed problem. You just need enough context for me to see what is creating the drag, where the time or money leak might be, and what outcome you want instead.

Try FIRE calculators first
Step 7

Start with the situation. I only need enough to write something useful back.

Share what feels heavy, what outcome you want, and where to send the report. If there is something worth unpacking after that, I may follow up through your preferred mobile channel. No calendar gymnastics. No long application process.

Situation

Start with the drag itself. I just need enough context to spot where time, money, or attention may be leaking.

Pick the closest fit. Exact category matters less than understanding the real drag.

One sentence is enough if it captures the pressure point clearly.

Optional, but useful if the issue has history, constraints, or tradeoffs that matter.

Contact

I will send the report to your email. If there is something worth unpacking after that, this is how I should reach you first.

I may use this to follow up if the report surfaces something worth discussing.

This is where I will send the free report. Mobile stays for follow-up if it makes sense.

Contact me on

Select every channel you are genuinely comfortable using if I follow up.

Low-pressure by design. I will send the free report first. If there is a real fit after that, I may reach out through one of the selected mobile channels.