Life BMC Individual Assignment

21.
Graduated, Unemployed.
Married.
Figuring it out.

This isn't a polished plan. It's just where I actually am. Freshly graduated, still working out what comes next, but holding a pretty clear picture of the life I want to build. For my parents. For my future. For me.

21
Years Old
1
House to Own
2–5
Years to Build
Places to See
Married
The date we did our ROM - 27 Aug 2025
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Step 01 Where I Am Now

The As-Is Canvas

Click any block to read the full picture. This is my life as it actually is not what I wish it were.

01
Key Partners
Who Helps Me
Parents, husband, CFO mentor, professors who kept it real, friends who keep me sane, and a growing network of industry contacts.
02
Key Activities
What I Do
Internship, final semester, running the house, cooking and cleaning, and staying connected to the people I care about.
03
Value Proposition
How I Help
When I care, I give everything. And people come to me when they are stuck because I help them find a way through.
04
Relationships
How I Connect
Open and honest with my husband, present for my parents, real with my friends, engaged at work.
05
Channels
How They Know Me
Fully known at home, still forming professionally. LinkedIn exists but is barely used.
06
Segments
Who I Help
Employer, parents, husband, friends, and mentors. People I show up for, not just people I need.
07
Key Resources
What I Have
Youth, financial acumen, a fresh SMU degree, real CFO-level exposure, and a very clear 'why'.
08
Cost Structure
What I Give
Internship, studies, the house, cooking, husband, parents, friends. A lot is being held at once.
09
Revenue Streams
What I Get
Love and trust from my parents and husband, joy from friends, and small career wins that remind me I am moving forward.

The Narrative

I am 21, married, in my final semester at SMU, doing an internship, and somehow also keeping a household running at the same time. My days are full in a way that is hard to explain to people who are not living it. What keeps me going is not ambition in the abstract sense. It is the people in my Revenue Streams: my parents who gave me everything, my husband who is in it with me every day, and my friends who remind me that life is supposed to be enjoyed too. The tension is in my Cost Structure which is stretched thin across too many commitments. And my Channels are almost invisible professionally. I am doing a lot but very few people outside my immediate circle know who I am or what I am capable of. That is the gap I need to close.

Step 02 What Feels Off

The Gap

The individual blocks of my canvas don't look broken. But the way they interact tells a more uncomfortable story one I couldn't fully articulate until I sat down and mapped it out.

Gap 01 The Cost-Identity Problem
My Cost Structure is eroding who I am
I give time, energy, and mental bandwidth but somewhere along the way my personal identity slipped into the Cost column too. I am an intern, a student, a wife, a daughter, a friend, all at once. That is a lot of roles to carry simultaneously. And somewhere in all of that I have genuinely lost track of what I enjoy just for myself. Who am I when there is no task to complete or person to show up for? If I do not figure that out now I risk arriving at 25 with the life I planned but feeling like a stranger inside it.
Gap 02 Revenue vs. Recognition
I'm delivering value that isn't reaching my Channels
My Value Proposition (reliability, work ethic, financial drive) is strong but my Channels are weak. Very few people outside my immediate circles know what I'm capable of. I'm building skills that have no audience yet. In a career that rewards visibility and relationships, this is a real gap not urgent, but important. The industry contacts I've been speaking with confirmed this: doing good work in private is necessary but not sufficient.
"Each block looks fine on paper. But my Cost Structure is stretched across too many things at once and my motivational Revenue Streams cannot always keep up with that. The macro-gap is this: I am so focused on who I need to become that I have stopped checking in on who I already am."

Step 03 Feeling Alive

Concrete Actions

These are the micro-steps I committed to. I chose each one by asking myself honestly: will I actually do this tomorrow? If the answer felt like less than an 8 out of 10, the step was too big or too vague. Some steps did not make the cut and were moved to a future list, which is fine. This is about starting, not about doing everything at once.

Action 01 Identity Gap
Block one hour on Sunday that belongs only to me
Not studying. Not working. Not being a wife or a daughter. Just me, whatever that looks like that week. The point is reclaiming space that is not defined by a role or a responsibility. During that first hour I picked up Norwegian Wood and started re-reading it. I used to love reading growing up and would beg my dad for a new book every weekend. Somewhere along the way it just stopped. I have not read a book in at least a couple of years so going back to one of my favourites felt like the right place to start.
Likelihood
9/10
Status In Progress
Did it two Sundays in a row. Felt guilty the first time like I was being lazy. By the second I started to remember how much I enjoy just sitting with a book. That guilt is data.
Action 02 Identity Gap
Write down 3 things I genuinely enjoyed in the past month
Not achievements. Not responsibilities fulfilled. Just moments that felt good for no particular reason. This is about getting back in touch with what I actually like, not what I am supposed to like or what looks good on paper.
Likelihood
8.5/10
Status Done
I wrote: cooking something completely new just to see if I could pull it off, calling a friend I had not spoken to in way too long and talking for over an hour like no time had passed, and volunteering at a school for underprivileged kids which I did not expect to love as much as I did. Small things but I remembered all three immediately. That means something.
Action 03 Channel Gap
Update LinkedIn with one genuine reflection on what I've learned at work
Not a humble-brag post. Something honest and specific about what working in finance at this stage has taught me. The goal is starting to build a presence that reflects who I actually am, not a highlight reel.
Likelihood
8/10
Status Up Next
Not done yet. The resistance I feel about this is telling I'm afraid of being visible. Which is exactly why this step matters.
Action 04 Identity Gap
Call Champ before he falls asleep
My little brother is ten years old and we call him Champ at home. I left India for SMU when he was only six. Before that we were inseparable. Even now we are close but I talk to my parents every night and by then he has already fallen asleep. So we barely actually speak. I miss him. This action was simple: call him earlier, before the day runs away from me, just to talk the way we used to. Not about anything important. Just to be his sister properly again.
Likelihood
9.5/10
Status Done
I caught him after school on a Tuesday. He spent twenty minutes telling me about a cricket match and a kid in his class who cheated in a test. I did not say anything important. I just listened. It was the best twenty minutes I had that week. I forgot how much I missed just hearing his voice properly.

Step 04 Going Beyond Myself

What Others Showed Me

I spoke with people whose perspectives could challenge or sharpen my canvas. Here's what I took away.

01
Female CFO, Current Company
On visibility and raising your hand
Female CFO
Me and Marriott APEC's First Female CFO: Christina Chan
I had the chance to speak with the CFO of my company who is a strong, successful woman and someone I genuinely look up to. I wanted to understand how she built the career she has. The conversation went somewhere I did not expect. She did not talk about working harder or being smarter. She talked about visibility. She told me that one of the biggest mistakes she sees young professionals, especially women, make is doing excellent work and then waiting quietly to be noticed. She said that is not how it works.
"Show the world what you have done. Raise your hand. Ask the question you are afraid to ask. Nobody is going to advocate for you the way you can advocate for yourself."
This landed harder than I expected because I know I do this. I hold back in meetings. I hesitate before speaking up. I do the work and then hope someone notices. She made me realise that being visible is not showing off, it is part of the job. That shift in how I see it changes something.
02
Industry Professional, Hospitality Sector
On building a career with intention, not urgency
I spoke with a professional in the hospitality industry, the same industry where I am doing my current finance internship. She was introduced to me through my network and is about a decade ahead of where I want to be. I went in expecting to hear about strategy or skill-building. Instead the conversation turned into something much more personal. When I told her I was 21 and already feeling behind, she stopped me.
"You are 21. You have a full life ahead of you. It is completely okay to not have everything figured out. You have enough time to grow, to make mistakes, to change direction entirely. That is not falling behind. That is just being young."
I did not expect to need to hear that but I did. I have been carrying this pressure like I am already running out of time at 21. That conversation gave me permission to breathe a little. Build with intention. Stop treating urgency like it is the same thing as progress.
03
My Parents and My Husband
On taking care of myself, not just everyone else
This one was not a formal interview. It was a combination of conversations with the three people who know me best. My parents and my husband each, in their own way, said almost the exact same thing to me during this period. I had not planned for it to happen but it did. I was talking about jobs and plans and being financially independent and they kept redirecting me.
"We know you will figure it out. That is not what we are worried about. We are worried about you. Are you eating properly? Are you sleeping? Are you spending time on things that make you happy? The rest will come."
It was a bit disarming honestly. I expected them to push me forward and instead they slowed me down. They were not telling me to stop working hard. They were telling me that my health and wellbeing matter as much as any career goal, and that they would rather see me okay than see me successful and burnt out. I think I needed someone to say that out loud.

Step 02 (Continued) Where I'm Going

The To-Be Canvas

Time horizon: 2–3 years. The highlighted blocks are where I expect and intend to see change. The rest remain as strong foundations.

Gold borders = blocks that evolve. This isn't a wishlist. These are the specific areas where my gaps point, and where my actions are aimed. The unchanged blocks are what I'm building on, not what I'm ignoring.
Evolves
01
Key Partners
Who Helps Me
Parents know the plan. Stronger partnership at home. Formalised mentorship. Friends still grounding me.
02
Key Activities
What I Do
Deliberate career building, volunteering, reading, Champ calls, and small trips already happening with the world trip being saved for.
03
Value Proposition
How I Help
More specific. Sharper. Known for something beyond just 'hardworking'.
04
Relationships
How I Connect
Same depth, more honesty about what I need too.
Evolves
05
Channels
How They Know Me
More visible. Known for something specific. Building a presence that's genuinely mine.
06
Segments
Who I Help
Same core people, plus Champ getting more of me, plus myself finally on the list.
07
Key Resources
What I Have
Everything I had before plus experience, savings, and self-knowledge.
Evolves
08
Cost Structure
What I Give
Still high but managed. Identity is no longer a cost. Recovery is built in.
Evolves
09
Revenue Streams
What I Get
Growing salary, real savings, small trips already taken and a world trip being saved for, Champ in my life, volunteering, reading, and a stronger sense of self.
The To-Be Narrative

In 2 to 3 years I am in a job I chose on purpose. We are close to owning our own home. That felt impossible when I wrote the as-is canvas and now it feels real, not guaranteed but genuinely within reach, and that shift in feeling is something I did not expect to matter as much as it does. My parents can feel the difference in the things I am able to do for them. My professional presence has grown. I raise my hand in rooms. I speak up. I volunteer regularly. I call Champ every week and actually know his life. I read. I take care of my health. I have started travelling, small trips first, with the world trip being saved for properly. The big dreams are not someday plans anymore. They have savings trackers and timelines behind them. That is what changed.

"I started this as an assignment. It became something more. I remembered I used to love reading. I called my brother. Spending time with children from marginalized backgrounds provided a sense of fulfillment that I haven’t felt in a long time."

Me, finishing this canvas

Champ, me, and my husband cuddling on the couch
My brother Champ, me, and my husband – proof that the best part of my life has nothing to do with my calendar.

What surprised me most was realising how full my life already is and yet still feeling like something was missing. This assignment turned into one of the more honest things I have done in a while. I found myself in the Cost Structure and saw clearly that I had been giving so much to everything and everyone around me that I forgot to check what was left for me.

01 / The Book
Norwegian Wood, again
Picking up a book I used to love, and remembering I used to love books.
02 / The Call
Champ, before bed
Calling my brother before he fell asleep, just to hear about his day.
03 / The Classroom
The Gift of Showing Up
Sitting with children who possess so little materially, yet offer so much in spirit, left me feeling incredibly enriched.
None of that was a planned part of any career strategy. They were just things that made me feel like myself. And I think that is the whole point.