Using Systems to Dominate Learning (And Anything Else)

The MIT Challenge

Recently read a guest post by blogger Scott Young, who stunned the world by doing the impossible. Scott completed MIT’s notoriously difficult Computer Science curriculum, which usually takes bright MIT students four years to finish, in one year. Watch the TED talk on his MIT Challenge here:

To do this, Scott adopted a carefully constructed learning system that let him compress the concepts of a 4-year education into a short span of time. This wasn’t simply a matter of cramming for exams. Scott not only passed all the exams but also completed all the programming projects, which require a deep understanding of the material. How did he do it?

First, he watched all the lectures online to get a birds-eye view of the material. By watching the video lectures at 1.5x-2x the normal speed, he managed to go through a semester’s worth of lectures in a couple of days.

Next, he spent a lot more time developing insight and drawing connections. He’d first take a piece of paper and write the concept that he was trying to understand at the top. He then wrote out his own explanation, as if he was teaching it to someone else. When he came to a gap in his knowledge, he’d go back to the textbook or find it online. In this way, he systematically filled in all the knowledge gaps until he had a deep, complete, understanding of the material.

Third, he went through practice problems with the solution key in hand. He’d check his work question-by-question, getting immediate feedback for every question he did. Compared to other students who might have to wait weeks before they got back their graded assignments, Scott’s system gave him a tight feedback loop which dramatically improved his effectiveness.

As Scott wrote in a guest post describing his journey: “…the method you use to learn matters a lot. Deeper levels of processing and spaced repetition can, in some cases, double your efficiency (emphasis mine). Indeed, the research in deliberate practice shows us that without the right method, learning can plateau forever.”

In short, Scott wasn’t studying harder; he was using a system to study smarter.

The Power Of Systems

Scott’s MIT Challenge forms the premise of the book I’m currently working on: That adopting the right systems can help you to achieve much, much more than the average individual.

You can use systems to create a desirable habit, deliver happiness to people, get fitter, be more productive, negotiate better.. pretty much anything you want to achieve in life.

Most people don’t know how to improve their own lives because they rely solely on “trying harder”. How many of us make New Years resolutions to go to the gym more often, only to fail miserably before February comes around? How many of us resolve to be more productive at work, but end up online shopping and Facebook stalking before lunchtime? And how many of us resolve to saving and investing more this year, only to have all our extra cash wiped out by a year-end vacation?

Instead of trying harder, applying systems is infinitely more effective. Here’s why:

1. Systems remove the need for “willpower”

The trouble with willpower is that it’s easy to lose steam. We burn out. John Tierney, coauthor of Willpower: Rediscovering the Greatest Human Strength, describes willpower as a finite resource that runs out just as easily as a fuel in your car tank. Systems, on the other hand, take control away from you. They force you onto a certain path so that you don’t have to use willpower. It sounds counterintuitive, but we’re more likely to be successful at something when we are willing to hand over control to a system.

2. Systems are much simpler to follow 

If you’re trying to lose weight, think about the barrage of information out there on weight management. Hundreds of articles and blogs give handy “tips” and nuggets of advice, but they’re often conflicting and confusing. A system, on the other hand, is based on rules. Step 1, 2, 3. Go to a personal trainer and he’ll tell you exactly what you need to eat, how to exercise, and all that jazz. You don’t have to think – all you need to do is stick to the system, and you’ll succeed.

3. Systems are smarter

Think about Scott Young’s system for accelerated learning. It’s a simple formula, but it’ll save you a lot of time and effort when it comes to studying. Think about how much easier it is to set up a GIRO standing instruction that automatically helps you to save every month, instead of putting in time and effort to “save harder”. Finding the right system can help you to do things a lot more efficiently and effectively than most people.

Viewing the world from a systems perspective

Systems are effective, more so than many of us realize. That’s the premise of this blog, as well as the upcoming book. So far, I’ve showed you how to use systems to improve your savings and investments, find the right types of insurance, and spend more efficiently on the things you love. The book will delve a little more deeply into the psychology of saving, spending and investing, and will describe more detail on the systems that will help you tackle your personal finances.

You start to see things differently once you look at life from a systems perspective. Large challenges suddenly don’t seem so daunting anymore, and possibilities start to open up.  Are there any problems that you’re currently stumped by, but could possibly be solved by applying a system? I’d love to hear from you, even if you haven’t found a solution yet. Leave a comment, or send me an email at

Cheers 🙂


Spend On What You Love

So I’ve been receiving a lot of feedback on my posts on saving, which is awesome because this shows that people are actually reading what I have to say. (When I started this blog, I had this fear that the only person who was going to read it was some drunk dude trying to google how to fry an egg)

However, I noticed a recurring theme in what many people told me – that reading about saving actually made them feel guilty about themselves. Now that is definitely not my aim in writing this blog. Most personal finance books will start off by trying to guilt-trip the hell out of you into spending less. “No, you shouldn’t be taking vacations.” “No, why spend money on beer when water’s so much healthier?”, “No, you should never eat out”. No, no, no, no, no. It’s a TERRIBLE way to live. Sure, you may save a few dollars here and there. But if you’re reading my blog to learn how you can save 10 cents by optimizing your bus/MRT route home, you’re in the wrong place. You’re better off going for a program like this:

(in case you didn’t get that – that was a joke. I freakin’ love Ramit’s stuff – he’s a big inspiration for what I blog about here)

I don’t want to make you feel guilty – that’s why I’m a huge advocate of automating your savings: Decide how much you want to save/invest per month, set up a system to automatically take that money where you can’t touch it, and you’re free to spend the rest. Guilt-free.

Ramit Sethi from (yeah I know, scammy name but he’s one of the few bloggers out there offering high quality, no-bullshit material) has this one piece of advice that I totally agree with: spend extravagantly on the things you love, as long as you cut costs mercilessly on the things you don’t. Being rich isn’t just about saving – Saving is just one side of the coin (pun totally intended). Being rich also means that if it matters to you, you should be able to enjoy the hell out of the things you love.

For example – I love dance. It’s fun, it makes me feel bad-ass (because I suck at being gangsta in real life), I get a good workout, and I get to meet some amazing people with crazyass talent. Each class sets me back about $15 – $20 bucks, and I have no qualms about dropping a couple of hundred dollars on classes. I take part in dance shows and spend like over a hundred dollars for a costume that I will probably never wear again. Last year, I spent nearly a thousand dollars (excluding plane ticket) on a trip to Germany for Urban Dance Camp – where I spent 4 glorious days learning from the best choreographers in the world: Kyle Hanagami, Philip Chbeeb, Jun Quemado, Lando Wilkins.. – literally legends I’d been following on YouTube all my life. Oh, and I had breakfast with Jun Quemado. How dope is that?

I didn’t feel an ounce of guilt spending on that because I love it. To me, it’s totally worth it. For you, maybe that thing that you absolutely love could be traveling, or food, or beer, or 19th-century Chinese coins. It doesn’t matter. The point is, you should have no hesitations on spending on the things you love. However, you should be mercilessly cutting your costs on the things that you don’t. For example, I don’t need a car – I’m perfectly fine traveling on the subway and unlike most people, I think a car’s role as a status symbol is stupid. Not having a car alone is enough to cover my dance expenses for years. Also, I don’t go shopping very often – I’m perfectly fine with like the 2 shirts I wear all the time (okay maybe that’s a little bit of an exaggeration – but just a little). I don’t see the need to eat at restaurants, so I have dinner at the staff canteen where I work – at  ridiculously cheap prices.

The point I’m trying to make is this – Life is awesome. First, automate your savings. Next, take 10 minutes to decide what really, truly makes life awesome for you. Then spend like crazy on it. Honestly, don’t bother  whether you paid a couple of dollars more than your friends when you’re splitting the bill. Spend consciously – think about the stuff in your life that DON’T love, but are needlessly spending extra money on. Then cut the excess crap from your life, and spend it all on the things that you DO love. Guilt-free.