• Risky decision #1: move out of Goldman, while on H1b, with a single income and a new-born. GS was familiar, but discomfort zone…
• Risky decision #3: train for preschool teaching. Low financial investment, but high effort investment
• Risky: Manila property investment. Lots of unknowns.
• Risky decision: move to US in 2007, shortly after wedding. Unthinkable if we have kids then.

–minor risky decisions

• risky decision: abandon green card process, with long-term consequences
• risky: invest with unknown developer MIH
• risky: UChicago MSFM. I analysed for years. Less risky than the Manila investment, because the credential has some well-understood value. However, real effort involved.
• Risky decision: send wife and kids to Singapore at end of 2010. Family separation. Staying away from my young son. There were precedents though.
• Risky decision: avoid java in my job search in 2015, when on the bench
• Risky: sell 600K worth of USDSGD options to earn a bit of premium. If exercised, I only had USD 200k to convert to SGD.
• risky: chose White Plains job… hard to adjust without subway or Chinatown or easy access to interviews.
• risky: chose KhengCheng for my son
• risky: choosing regular school districts in US for my kids.