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5 Property Lessons I wish I knew | Buying my First Property in My 20s

What is your age today and what is your current property value? If there are no restrictions to your retirement funds, how much money will you want to retire with? 

In my Youtube Channel's (Jia En Property) first episode, I shared the lessons I learned from buying a property in my 20s and how I wished I learnt these earlier. 

While it may seem scary to take the first action, I have never regretted it and I encourage you to reflect on the lessons for your property journey too. There's are the 5 lessons I have learnt and hope they are helpful for you to also begin your next property journey.


Buy as young as you can. Looking back, I was so afraid to take my first step, even though I am a property agent and have already helped multiple clients with

property purchase. The property I purchased was around 800K, which was undervalued back then and on paper today, it has gained at least 100K. The earlier you start, the more time for the money to grow. It’s never too late to start, so start as soon as you can.

You got to draw a timeline.

What is your age and how now many times can you repeat the buy and sell cycle until you’re old, say 65 years olds.

I bought the property in 2023, and in 3 years by 2026, I can sell the property and put the profits that I earn from the first property into another property. Before I reach 65 years old, I can at least repeat this cycle 8 times. How about you?


Find out the objective of your purchase. At your current life stage, will your focus be towards investment or own use?

Investment: If it is for investment, is your preference towards Capital appreciation or rental yield?

Have you done your due diligence? Do you know the price of similar projects and are there any price gap between the development you’re buying and the other nearby similar projects? Will there be future developments around the area? What is the safest purchase among the area that you want to buy? How can layout and different facing potentially affect your price in the future?

Time Opportunity Cost. When are you planning to take actions? Time waits for no one. Many clients tell me aiya, I should have made a decision back. Oh yes, I have seen this project before and the price have grown so much. Yes. If you did make a decision 3 years ago, you would have made a profit already.


Many people think that there’s no need to have a new term insurance or whole life insurance after property purchase. I need to emphasize the importance of having insurance and write as your will safety buffer. You need to protect the love ones so that the property will not have a fire sale and your loved ones will not need to move out of the house due to unpaid mortgage.

Yes, I leveraged and I have bought a term insurance so that in the event anything happens, there will be a sum assured from the insurance to pay off the property and it put me at ease too. I know that the worst case scenario is prepared for and I just need to wait for the property to grow.


Growing up, we are taught, Debts are bad. However, are debts really bad?

Assuming you have fully paid off your property by 65 yo, how much net asset do you wish to have? Assuming if you die today & have insurance fully paid for the property, how much property assets do you want to leave to your loved ones? Would you like to leave $1M assets to your love ones or $3M assets to your love ones?

There are good debts and bad debts. Good debt has the potential to increase your wealth, while bad debt costs you money or depreciates such as cars and credit cards. I want to have at least $3M net worth of property when I retire, and I think it is very doable since I started early.


Agents can do so many things for you. When they understand your situation, they can give you the right advice, be it finding the best deal, negotiating price or looking out for blind spots. For my property, I requested an extended time for exercising so I have more time to prepare the money for the property. This was very helpful and critical for the purchase. If the seller agent did not help to negotiate the timeline, I would not have bought the property and made profits today.


I am so thankful I took the first step this year, which was to Buy and wait, not wait to buy. There is really no one-size-fits-all kind of product, and it has to be customised for you according to your current situation.

In a world filled with endless possibilities, the key to unlocking your potential lies in taking action. Today, I invite you to embark on a journey of self-discovery, growth, and transformation. The time to make a positive change in your life is now, and I am here to guide you every step of the way.

Why Act Today?


Opportunities are fleeting, and the best time to act is always now. Whether you're considering a career change, personal development, or seeking professional advice, delaying action may mean missing out on a chance that could shape your future.


Your future self will thank you for the decisions you make today. By taking action now, you are investing in a better and brighter future. Don't let procrastination be a roadblock to the success and happiness you deserve.


Many of us have untapped potential waiting to be unleashed. A consultation can be the catalyst for discovering your strengths, overcoming challenges, and achieving goals you never thought possible. It's time to break free from limitations and soar to new heights.

Schedule Your Consultation Now!

"Your Success Awaits – Book Your Consultation Today!"

I am ready to help you navigate through your journey. Whether you seek property advice, or financial / asset planning guidance, a consultation is the first step towards realizing your dreams. Whatsapp me at 94314533 to book your consultation.

Alternatively, you can contact me here at this link or Chat with you soon!


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