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Posted By Topic: 22-Year-Old Invests ‘Almost $90K Of Own Savings’ To Open 3 K       - Views: 172
LONGSTER
Yesterday 1:04 PM (1 day ago)
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LONGSTER
Yesterday 1:05 PM (1 day ago)            #2
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While most university students focus predominantly on their studies, 22-year-old Lee Fang Yu somehow manages to run three noodle stalls while pursuing her degree in Business Administration at NUS, with a double specialisation in Finance and Entrepreneurship. All while interning at investment bank UBS. Talk about overachieving.

Fang Yu opened her first 24-hour Ah Gong KKM stall in Bras Basah a month ago, and she is already expanding rapidly — her second stall opened in Tampines and third at Punggol in November. The newer outlets open till 9pm.

She serves ke kou mian (mandarin for “mouthwatering noodles”), essentially jazzed up instant noodles. The dish was first popularised by Uncle KKM (aka Hai Xian Zhu Zhou), a popular stall at Bukit Panjang that opens for supper.

"A lot of people ask — why would anyone come out and eat a bowl of instant noodles?" Fang Yu muses. But her KKM isn't your standard dorm room fare.







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LONGSTER
Yesterday 1:06 PM (1 day ago)            #3
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While it starts with Koka instant noodles (hence the dish’s abbreviation of KKM) as the base, the magic lies in the pork bone broth that's similar to ban mian soup. This can be had as is, or spiked with a potent spice blend to become a deep red. Each bowl comes loaded with veggies, minced and sliced pork, an egg, fried shallots and garlic, elevating it beyond your typical instant mee. Plus add-ons like clams if you so wish. "We offer a more nutritious version of instant noodles," Fang Yu tells 8days.sg.





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LONGSTER
Yesterday 1:07 PM (1 day ago)            #4
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Why become a hawker?
"I’m aware that the hawker business is super tedious," Fang Yu laughs, "but I didn't want to pass up on this idea just because of the long hours!" Her motivation came from watching friends struggle to find decent supper spots after nights out. So her flagship Bras Basah stall is open 24 hours daily. "They always complain about having to travel to all corners of Singapore for supper places that are open 24/7," she explains. Plus, her sister at SMU often wondered aloud, "Should we go home and eat? Do you think our grandfather is still awake to cook for us?"

While her KKM has drawn comparisons to the famous Bukit Panjang supper spot, Fang Yu admits she's never tried it herself. "I live super far," she laughs. "But people tell me it tastes very similar, which is crazy!"




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LONGSTER
Yesterday 1:08 PM (1 day ago)            #5
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Instant noodle seasoning factory owner grandpa’s recipe for noodles
What started as pandemic bonding sessions with her 81-year-old grandfather has turned into a full-fledged business. Fang Yu’s journey into cooking began earlier — she has been cooking since secondary school, preferring to experiment with Western dishes like pasta. It was her ah gong, a former factory owner in China producing spice packet mixes for a “famous instant noodle brand” (which she declined to share) in Singapore, who introduced her to the joys of cooking Chinese food.

"He started cooking ke kou mian for me when I began staying back late in school to study, especially during upper secondary," Fang Yu recalls. "I didn't want to commit to dinner plans at home and then come back at midnight, feeling guilty if I didn't eat. So he'd whip up instant noodles with whatever ingredients we had in the fridge - vegetables, meat, it was always a surprise mix. The soup base came from my great-grandmother's recipes, but he made it his own by incorporating instant noodles for convenience."

Her grandfather helped Fang Yu perfect her KKM recipe, including its signature chilli blend for the spicy soup version, which he adapted from his spice-mixing expertise. No wonder her biz is named after him.





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LONGSTER
Yesterday 1:10 PM (1 day ago)            #6
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Invested about $90K into biz, insists it’s all her own cash
Fang Yu sank in about $90K on all three stalls. She says that's money she'd been saving since JC through various part-time jobs — from working "crazy overtime" at vaccination centres during the pandemic to retail gigs at Lululemon. Once she entered uni, more lucrative banking internships at OCBC and UBS paid her a salary of a few thousand each month. She says she even parked some money in stocks, which she started learning how to dabble in online four years ago. “I started with meme stocks, and had to learn the hard way by getting burned at the start,” Fang Yu laughed. Did she get any seed funding from her businessman dad or ex-factory owner grandpa? “No,” insists Fang Yu.

When asked why she jumped into the hawker biz at such a young age, Fang Yu's replies: "It’s a good time for me to go all out in my career as an entrepreneur before I graduate."





Why the rush to expand?
When asked about her expansion pace, Fang Yu explains: "I graduate next May, and then I'd be torn between continuing at UBS as a full-timer — every finance student hopes for that sweet intern-to-full-time conversion — or focusing on this business," she explains. "If I wait till after graduation, it becomes a huge gamble. Do I turn down a banking job for a stall that might not work out?"

But when her Bras Basah outlet turned into an unexpected hit, breaking even within a month, she wanted to strike while the iron was hot. "I thought, you know what? This actually has potential. I'd rather try it now and see how multiple outlets go, so I can decide whether to stick with corporate life or fully focus on this."




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LONGSTER
Yesterday 1:12 PM (1 day ago)            #7
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Sleeps three hours daily
"I sleep about three hours a day," Fang Yu admits with a laugh. Her typical day is a marathon – she’s up at 8am for her banking job by 9am, where she handles time-sensitive foreign exchange operations at UBS. During lunch breaks, she hops on a three-stop bus ride to check on her Bras Basah stall. Nights? She's at her various stalls manning the cashier till late, especially during club closing times when hungry party-goers flood in.

Thank goodness for online classes — she squeezes those in during work-from-home days, with just two days of actual university classes per week.

To keep things running when she's stuck handling foreign exchange operations or attending online classes, Fang Yu has assembled a team of staff aged 20-30 to manage different shifts. "It's really based on trust," she says about managing her team. "I need honest people I can trust since I can't be there all the time."

To ensure consistency, Fang Yu personally trains her new staff to cook. “I hire people through connections, like asking other workers in the coffeeshops if they have anyone to recommend. It’s really hard to find good people, as not many would choose to stand in a hawker stall for long hours,” she explains. She adds that she also offers "ample salary" for these candidates.





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LONGSTER
Yesterday 1:13 PM (1 day ago)            #8
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Parents ok if she drops banking for the hawker life
Luckily for Fang Yu, she's got quite the support system. She says her dad is a veteran in the F&B scene, which might explain the lack of the usual "focus on your studies" drama. However, she declines to share what company her dad runs. While she insists her parents didn't invest in her stalls, they're her biggest cheerleaders. "They are happy and supportive as long as I pursue my passion," she says about potentially picking the hawker life over banking. Meanwhile, her grandfather still actively helps her perfect those recipes.

"Honestly, I rarely go out with my friends," Fang Yu confesses. Sometimes, her friends drop by her stall after work.

Her boyfriend of two years has adapted to her gruelling schedule by making weekends their "rot" time – basically her only chance to rest. "We no longer go out on dates or go on trips with my friends. I don't have time for that at this point in my life," she says with a resigned smile.

"I don't want to sound too ambitious, but I’d like to open at least 10 outlets. That would be my dream," she shares. Franchising isn't on the immediate horizon as this recipe holds too much sentimental value for her. "Maybe after hitting 30 outlets," she muses, "but that's far away."






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LONGSTER
Yesterday 1:14 PM (1 day ago)            #9
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koka? isnt that instant noodles????




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Yesterday 9:53 PM (1 day ago)            #10
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$90k can open 3 stalls?




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harewlood34
Yesterday 10:49 PM (23 hours ago)            #11
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China gal?



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seelangui
Today 4:57 AM (17 hours ago)            #12
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quote originally posted by LONGSTER:
koka? isnt that instant noodles????



Yup Maggie mee😂
she smart used bank loans to open stall
Now interested rate cut already 
 



see what you want to see believe all you see
My current Mission is keep wining until S_P 斗/close shop
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Use main bet as base the rest side bet to add on to max win or more Name it Eye jackpot system 南神眼



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Today 5:33 AM (16 hours ago)            #13
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22 years old student can have her OWN savings of $90,000 .. you believe? Likely, she is from a very rich family or she is so lucky to have a very rich Ah Kong to finance her business .. 



 



om mani padme hum 嗡嘛呢唄咪吽

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seelangui
Today 7:04 AM (15 hours ago)            #14
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quote originally posted by LONGSTER:
koka? isnt that instant noodles????




https://www.facebook.com/share/v/12DqUo2NXjF/?mibextid=NnVzG8

Ah long watching this 😂
 



see what you want to see believe all you see
My current Mission is keep wining until S_P 斗/close shop
use main & sub method unit 1 unit= $20:
Use main bet as base the rest side bet to add on to max win or more Name it Eye jackpot system 南神眼



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seelangui
Today 7:05 AM (15 hours ago)            #15
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quote originally posted by bet:
22 years old student can have her OWN savings of $90,000 .. you believe? Likely, she is from a very rich family or she is so lucky to have a very rich Ah Kong to finance her business .. 

 




Can loans from banks don't need to be rich 
as long u had a business 



see what you want to see believe all you see
My current Mission is keep wining until S_P 斗/close shop
use main & sub method unit 1 unit= $20:
Use main bet as base the rest side bet to add on to max win or more Name it Eye jackpot system 南神眼



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Today 7:19 AM (15 hours ago)            #16
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This isn't an education loan nor a renovation loan ..

When reviewing a loan application, banks typically request the following documentation:
 
 

  • Personal financial statement and tax returns ✘
  • Projected costs, balance sheets, income statements, and cash flow statement ?
  • Evidence of ownership interests in assets ?
  • Business plan that explains how the funds will be used and repaid ?
  • Personal resume or explanation of relevant business experience ✘
  • Letters of reference ✔

She has failed two important considering factors .. 1st and 5th ..

Hence, it is likely that she is so lucky to have a rich family or a rich Ah Kong/Ah Ma or her family owns an establised business .. can serve as her reference ..


 



om mani padme hum 嗡嘛呢唄咪吽

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Today 7:25 AM (15 hours ago)            #17
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In short .. if her business goes bankruptcy or insolvency .. banks must be able to get back the loan money plus interests from her family or Ah Kong/Ah Ma .. 



om mani padme hum 嗡嘛呢唄咪吽

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Today 7:46 AM (14 hours ago)            #18
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90K .. where got enough ? Renovation, furnitures, cooking facilities, etc etc .. already far exceed the $90K .. on top of these expenses .. reserves for cash flow .. service charges for accountants  .. etc etc .. 

I reckon you need at least $200K or more to barely set up this shop .. 

Not easy lah .. if you don't have a strong back-up and support from your family .. at age of 22, a student .. it is a mission impossible ..

Just to wake up young people .. don't anyhow jump into the pool .. you will easily waste your and your family money ..

 



om mani padme hum 嗡嘛呢唄咪吽

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LONGSTER
Today 7:54 AM (14 hours ago)            #19
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quote originally posted by seelangui:
Yup Maggie mee😂
she smart used bank loans to open stall
Now interested rate cut already 




lucrative banking internships at OCBC and UBS paid her a salary of a few thousand each month. She says she even parked some money in stocks



she FX dept at UBS right ?




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Today 8:01 AM (14 hours ago)            #20
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Do you know how many makan shops went holland in 2024 ? Nearly 1,500 .. 😭😥



om mani padme hum 嗡嘛呢唄咪吽

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Today 8:06 AM (14 hours ago)            #21
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quote originally posted by LONGSTER:

lucrative banking internships at OCBC and UBS paid her a salary of a few thousand each month. She says she even parked some money in stocks



she FX dept at UBS right ?




You may be right .. 



om mani padme hum 嗡嘛呢唄咪吽

 
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Today 8:25 AM (14 hours ago)            #22
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Though she insists that she never get any seed funding from her businessman dad or ex-factory owner grandpa .. she is very lucky to have a very rich father and Ah Gong .. for some useful guides or reference or supports .. so think wise before you anyhow jump into the pool ..

 



om mani padme hum 嗡嘛呢唄咪吽

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Today 8:50 AM (13 hours ago)            #23
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quote originally posted by Brad:
$90k can open 3 stalls?




Haha .. 



 



om mani padme hum 嗡嘛呢唄咪吽

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seelangui
Today 9:01 AM (13 hours ago)            #24
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quote originally posted by LONGSTER:

lucrative banking internships at OCBC and UBS paid her a salary of a few thousand each month. She says she even parked some money in stocks



she FX dept at UBS right ?




U mean she 🐓 out😂



see what you want to see believe all you see
My current Mission is keep wining until S_P 斗/close shop
use main & sub method unit 1 unit= $20:
Use main bet as base the rest side bet to add on to max win or more Name it Eye jackpot system 南神眼



betting records at
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Today 9:29 AM (12 hours ago)            #25
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quote originally posted by seelangui:

U mean she 🐓 out😂




No lah .. I never said that ..

may be her rich dad and ah gong .. support her in FX deals .. she made a big buck ..

😆



om mani padme hum 嗡嘛呢唄咪吽

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seelangui
Today 9:33 AM (12 hours ago)            #26
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quote originally posted by bet:

No lah .. I never said that ..

may be her rich dad and ah gong .. support her in FX deals .. she made a big buck ..

😆



No la I don't think so
she local maybe stocks made money also
Rich ppl don't worry about her loses always 😂
 



see what you want to see believe all you see
My current Mission is keep wining until S_P 斗/close shop
use main & sub method unit 1 unit= $20:
Use main bet as base the rest side bet to add on to max win or more Name it Eye jackpot system 南神眼



betting records at
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LONGSTER
Today 9:33 AM (12 hours ago)            #27
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quote originally posted by harewlood34:
China gal?




From the name sounds like 




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LONGSTER
Today 9:34 AM (12 hours ago)            #28
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quote originally posted by seelangui:

U mean she 🐓 out😂




UBS FX lah 

she so rich why need such things 




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Today 9:49 AM (12 hours ago)            #29
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quote originally posted by LONGSTER:

UBS FX lah 

she so rich why need such things


Ok😂she alot ppl chased now 
3 stall boss

 



see what you want to see believe all you see
My current Mission is keep wining until S_P 斗/close shop
use main & sub method unit 1 unit= $20:
Use main bet as base the rest side bet to add on to max win or more Name it Eye jackpot system 南神眼



betting records at
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seelangui
Today 10:35 AM (11 hours ago)            #30
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quote originally posted by LONGSTER:

UBS FX lah 

she so rich why need such things



https://www.facebook.com/share/v/12D9862yCs4/?mibextid=NnVzG8

Ah long bbq body in detail 😂
 



see what you want to see believe all you see
My current Mission is keep wining until S_P 斗/close shop
use main & sub method unit 1 unit= $20:
Use main bet as base the rest side bet to add on to max win or more Name it Eye jackpot system 南神眼



betting records at
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LONGSTER
Today 1:31 PM (8 hours ago)            #31
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quote originally posted by seelangui:
https://www.facebook.com/share/v/12D9862yCs4/?mibextid=NnVzG8

Ah long bbq body in detail 😂




2025 Liao u learn to post lah 

pr at least print screen let us prelude what is the content else we won't see one 




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seelangui
Today 1:37 PM (8 hours ago)            #32
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quote originally posted by LONGSTER:

2025 Liao u learn to post lah 

pr at least print screen let us prelude what is the content else we won't see one


😂 tell u I can't remember the steps always 
never mind I found on YouTube already 
Thanks 

 



see what you want to see believe all you see
My current Mission is keep wining until S_P 斗/close shop
use main & sub method unit 1 unit= $20:
Use main bet as base the rest side bet to add on to max win or more Name it Eye jackpot system 南神眼



betting records at
http://forums.asianbookie.com/viewmessages.cfm?Forum=45&Topic=2112557


AsianBookie Tipsters Championship
Member of Team:
東方不敗
(Est. Nov 2013)

Team Ranked: #87 - Team Score (Top 50 Members): AB$ 930,312 Total Members: 20
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