The Financial Coconut Podcast 3 Jobs, 3x CPF: Overemployment as a Path to Retirement? How to juggle it [W&S 73 ft Stanley Kan]
Apr 28, 2024
Stanley Kan, a marketing leader juggling partnership and senior advisory roles across agencies, explains his multi-role lifestyle. He discusses how remote work, tight scheduling, and role synergies make over‑employment possible. The conversation covers negotiating multiple contracts, managing stacked meeting days, CPF implications, energy and recovery routines, and plans to scale back when family needs change.
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How Stanley Became Overemployed Starting At 16
- Stanley started working at 16.5 with weekend jobs that became full-time and later combined full-time study with full-time work.
- By his early 20s he had one full-time role, and over the last five years he gradually added advisory roles that grew into multiple full-time positions.
Negotiate Extra Roles By Selling Synergy Not Time
- Negotiate transparently with your primary employer before taking extra roles and highlight synergies rather than conflicts.
- Stanley got buy-in by showing how his advisor roles referred business back to Seconds Media, making the arrangement mutually beneficial.
Why CPF Defines What Counts As Full-Time For Stanley
- Stanley considers a role full-time only if it pays CPF and has an extended committed scope.
- He distinguishes freelance (no CPF) from employment, which shapes how he counts and manages multiple jobs.