The more I think about it, the more I realise that stability itself is not the problem. The real question is whether I am using that stability to build more freedom, or slowly becoming more dependent on it.
Before I had a full-time job, I spent years freelancing.
From around 2014 to 2020, while studying for my degree, I was taking on badminton coaching and private teaching. Some months were good. Some months were not. There was no fixed salary. Every dollar felt very direct. If I worked, I got paid. If I did not work, I did not get paid. Simple. Because of that, I was very careful with money. I counted almost everything. I knew roughly how much effort went into earning each amount, so spending also felt more deliberate.

One part of my freelance years that I still look back on fondly was badminton coaching. These were some of the preschool and primary school children I coached during that period. A reminder that freelancing was never just about the hourly rate. It was also about the people I met, the relationships I built, and the freedom I had to shape my own time. I believe many of them would be teenagers by now, which is quite a strange reminder of how quickly time moves.
Control over my time. I could arrange my own schedule. I could decide when to coach. I could fit work around school, badminton, errands, rest, or whatever else I needed to do. In some ways, I felt like a free bird. Of course, the freedom came with a trade-off. My income was not stable. CPF contributions were not great. There was no guarantee that next month would look like this month. And if I stopped working, the income stopped too. So I had time autonomy, but not exactly financial freedom.
Then COVID came. And strangely, that period became a blessing in disguise for me. Around July 2020, I landed a full-time role as a tuition centre manager. At that point, my routine became quite intense. In the mornings, I was still working part-time at the pharmacy warehouse, packing and handling inventory. Then in the afternoon, I would move into my full-time role at the tuition centre and work until around 9:30pm on weekdays. It was long. But for the first time in a while, there was something very reassuring about seeing a fixed salary come in every month. No guessing. No wondering whether enough students would book coaching. No calculating how many sessions I needed. A fixed amount would arrive. And psychologically, that felt safe.
While working full-time, I was also doing my Master’s. For quite a while, I was juggling the tuition centre role, the morning pharmacy warehouse job, and my studies at the same time. Eventually, it became too much. By around September 2022, I realised I could not keep stretching myself across everything and still do each part properly. So I decided to quit the pharmacy medicine packing job. It was not because the job was bad. I just had to accept that time and energy were limited, and something had to give. That was probably one of the first times I really felt the cost of trying to do too many things at once.
Stability changes the way you live
Once the income became predictable, my behaviour slowly changed too. I still tracked my expenses very tightly. I still wanted to know where my money was going. But the mindset was different. Instead of asking, “How much will I earn this month?” I already knew. That certainty made planning easier. It also made spending easier. Over time, responsibilities increased. Household contributions. Parents’ medical bills. My own self-care. Daily expenses. Insurance. Food. Transport. Things that are not necessarily luxurious, but still add up. While my salary stayed relatively stable, life around it became more expensive. And somewhere along the way, I realised something. The salary did not trap me. My life slowly grew around it. That is a very different thing.
From freedom to routine
Freelancing used to feel uncertain, but flexible. Full-time employment felt structured, but safe. One gave me more control over my calendar. The other gave me more certainty over my income. And the longer I stayed in a full-time structure, the more normal it became. Wake up. Exercises. Work. Solve problems. Go home. Repeat. The salary comes in. Bills go out. The month resets. There is comfort in that rhythm. But comfort can slowly become dependency. Not because the job is bad. Not because the salary is unfair. But because your entire financial life starts depending on one organisation continuing to pay you. And that thought makes me uncomfortable. At work, I spend a lot of time thinking about systems. How to reduce manual work. How to automate repetitive tasks. How to make operations run more smoothly. How to avoid single points of failure.
Then one day I realised: My own financial life has one very obvious single point of failure. My salary. One employer. One main source of income. If that disappears, how much of the rest of my life still stands?
But the job gave me more than money
This is where I have to be fair. My full-time job did not only give me a salary. Over time, my role changed. I started in operations. Then, I became more involved in business transformation, technology, systems, workflows, and reducing manual processes. I started thinking less about simply doing work and more about how to redesign work. How can a process be improved? How can technology remove repetitive effort? How can one system talk to another? How can something continue working without someone constantly watching it? That experience has given me skills I did not have before.
So maybe the right question is not: What is this job giving me besides money?
Maybe it is: Am I converting this job into something that will still be valuable to me even if I leave one day?
Skills. Judgement. Experience. Confidence. Systems thinking. Relationships.
Maybe even future opportunities. That changes the way I look at employment. A job can become dependency. But it can also become a platform.
Maybe stability should be used to build freedom
I do not think stability is the problem. I do not necessarily want unstable income again. I also do not think quitting a full-time job automatically creates freedom. Freelancing taught me that. You can control your schedule and still be financially dependent on your next client.
Employment taught me the opposite. You can have predictable income and still feel like your time belongs largely to a system. So, perhaps freedom is not choosing one or the other. Maybe freedom is having enough options that neither one owns you completely.
A stable salary can give breathing room. But perhaps the point of that breathing room is not simply to make life more comfortable. Maybe it should also be used to build something outside the salary. Savings. Investments. Another income stream. A skill. A product. Something I own. Something that creates options.
Because maybe stability is not the opposite of freedom. Maybe stability is useful only if I use it to build freedom.
What about you?
Have you ever felt the same tension between stability and freedom?
Maybe you chose a stable job after years of freelancing. Maybe you did the opposite. Or maybe you are still trying to figure out whether your salary is giving you security or slowly making you dependent on it.
I would love to hear how you see it.
If your salary stopped tomorrow, how much of your life would still stand?









