How you can be richer just like the rich who are getting richer.

Financial difficulties can lead to a lot of problems to you and the people around you. This is because life is all about money. Of course money is not everything, but everything is money. Nowadays , the moment you step out of your house, you are already spending money. You are also spending money even when you are sitting at home!

You can see that money is the most important factor in your life but not everyone is really in charge of your money. You may claim that you have no problems handling your cash flow however; you will still have the problem of not having enough money for you to spend during month end.

The rich is getting richer because of one major difference between the poor, they have prudent financial planning. With an external party or a third party handling their finance, you can rest assure that you can join the ‘rich’ category sooner that later. Nothing is impossible; being a millionaire is so common that everyone with an income can have a million dollar in liquid. The question is whether you want or you REALLY want the million dollar.

The secret to be financially independent starts with prudent financial planning. Once you understand the fundamentals of finance and understand the ‘science’ of getting money, financial freedom is on the way. Financial advisors and financial planners can certainly help you to understand the fundamentals of financial planning and customise you your million dollar roadmap.

Nevertheless, you can have the best financial planner and an excellent plan but if you do not execute your plan accordingly, you will not make any difference. You have to work closely with your financial planner and be determined with yourself. A financial plan is not a get rich scheme but merely a tool that is essential.

Why inflation rate is causing so much problem?

People are complaining about money everyday. People from every walks of life is complaining about not having enough money to spend. The real reason for all these complains is that many people do not know why they do not have enough money.

The real reason for not having enough money is actually because of inflation. Inflation is something that most people think they understand but in the actual fact is that they do not understand why.

A very simple way to understand inflation is to compare how many things you can buy with $100 10 years ago and now. I am very sure that you will say that you can buy more things 10 years ago than now. Now, ask this question yourself, if inflation rate is 5% annually, do you think that your pay is increasing at 5% annually? The truth is, the value of your $1 is eroding without you noticing it.

A pay increament does not mean that you can also increase your spending but a pay increament is for you to overcome the inflation rate. Let me give you a numerical example;

Inflation rate: 5%
Your pay 10 years ago: $5,000
Yearly increament: $200
Your pay now: $8,000
Inflation adjusted pay now without adding the increament: $8,114.45

From the above example, the increament is to offset the inflation rate. Hence, if there are no increament and you are still getting the same pay as what you have 10 years ago, you will have financial difficulties.

Since inflation has a negative relation with the value of money, you will need to invest your money in an asset that can give you more interest than the inflation rate. Saving your hard earned money in a bank will make you poorer and trust me, the rich and high net worth individual do not save all their money in the bank. Now, that is why the rich is getting richer and the poor is getting poorer.

Attract lots of money now!

I discovered something very phenomenal in my journey to be a multi-millionaire ( notice that I do not want to be a millionaire anymore) and a successful human being. It is called ' The Law of Attraction'. I have seen videos on Youtube about Law of Attraction and i applied the theory.

This may sound ridiculous but it happened to me. I actually eliminate all my negative thoughts and act positively as if each challenge is just another opportunity for me to make money. True enough, I made quite a lum sum of money.

Not only that, as you know, I am also undergoing my degree course on and the modules are extremely difficult. I used to think that only people who are smarter than me can pass the exams and no matter how hard i studied, I can never excel in my modules. After watching the videos on Youtube, I began to re-think my thoughts. I said to myself that I am going to pass my exams because it is easy and for me to score in my exams, I just need to study more. I also said to myself that no one in the class can score better than me.

To my astonisment, I did pass the exam and I really scored in the exam. I eliminated all the negative thoughts and made success come to me.

Now, if you want financial freedom, you and only you can make financial freedom come to you. All challenges are just for you to take advantage! Believe in 'The Law of Attraction' and you will attract wealth!

Get rich now!

Have you ever wondered why some people out there are driving big cars, having long vacations and owning big luxurious houses? Have you asked yourself how these people achieve these goals? Can you be as successful as them? Or do you think that you cannot be like them hence no point trying?

Since young whenever I see these rich people and i asked this question to myself, " If they can do, why can't i do it? They are not super humans. I don't think they have a secret that only the rich people know about. "

In my quest to find out why some people can be successful and be millonaires, i found out one significant similarity. The similarity is that, in one way or another, all these people really plan for their life and money. All of them have their own personal banker or financial planner just so that their finances are well taken care off.

Now, do you think middle income earners need a financial planner? The answer is yes! If you engage a financial plannner, you not only get professional advice, you can even learn all the necessary steps in financial planning. All you need to do is get leverage!

My very good friend once told me that money earned is not money spent. The advice may be short and simple, but if you meet and really sit down with a financial planner, you can really learn a lot about money management. Of course everyone knows what is money management, but only a financial planner can further elaborate all the technicalities.

In life, everything is possible. As long as you plan for your goal, you will achieve your goal. Dare to dream but do not be a dreamer!

How important financial planning is to you?

Financial education is vital to everyone who has an income. I’ve met people who earn more than $25,000 a month and not all them is financially ‘stable’. Naturally if you earn more money, your expenses will also increase. However, if you have a proper financial planning, you can achieve your financial goals in time to come.

Just recently, I met with an ambitious 20 year old guy who earns $2,000 a month and dream of driving a BMW. When I asked him how he plans to buy the car, he told me that he will work very hard and save more money every month. However, when I asked him when he want to buy his first house and how he wants to retire, he told me that he has not thought about it yet and he is only concern about getting his car and lots of money.

The problem with him and many other people out there is that they do not have proper financial planning. It is proven that people who have proper financial planning will enjoy life in the future. whatever that they desire to buy, the lifestyle that they want, the education that their children will have and holidays that they want will be possible.

Can we be blamed for such bad financial planning?

Well, if you think about it properly, it is our teachers in school that we have to blame. When I was in school, all that my teachers told me is that I have to study extremely hard to get a good and high paying job. Did any of our teachers ever tell us that financial planning is very important? Did they ever tell you that even if you earn $25,000 a month, your financial freedom is guaranteed?

Your journey to riches starts here.

Saving money can be the most difficult task a person can do. I have seen people in their 40’s that do not have savings at all. When I asked them how come they do not have any savings, their reason is that they find that their income is not enough to set aside for any savings.

The art of saving money is actually very easy. It is very important to know how much to save every month and how much savings one must have. Once you have the adequate savings in your bank, you can then accumulate wealth. Why the rich accumulate wealth so quickly is because they invest their money after they have saved enough money in their bank. Most of the times, the rich have their own personal financial planner to track their finances and advice them.

Nevertheless, you do not need a financial planner to tell you save money. If you are clueless on how much to save each month, let show you step by step with the example below.

EG 1

Norman is earning $4,500 and his wife is earning $4,000. On average, the couple would spend $7,000 a month on expenditures which includes their insurance and household expenditures. Norman and his wife are looking into accumulating their wealth and are very interested in investing their money in stocks and shares. The couple also wants to diversify their portfolio and are looking into unit trust and bond funds. Currently, they have $49,000 in their savings account and wants to find out how much is the best amount to come out for their investment.

From the above example, Norman has a savings ration of 7. (Savings divide by monthly expenditure). Savings ratio is a ratio that will tell you how many months can you depend on your savings if you get retrenched or out of job. In this case, Norman has 7 months to find a new job before he drained up his savings. From a professional point of view, Norman should invest $28,000 of his savings and maintain a savings ratio of 3.

EG 2

Kelvin is a fresh graduate who is clueless on how much he should save for any emergency uses. He has been working for 6 months and currently earns $1,600 a month. Even though he has been working for 6 months, he has not been able to save any money because he tends to spend all of them by month end. He usually keeps aside $100 but end up using that money usually at month end.

In this case, it is clear that Kelvin do not have any money management skills. As a guideline, one must save 20% of their income. Saving of money is done on the very day that you receive your pay. Therefore, Kelvin must save $320 a month and live with the rest of his pay. He has to have a budgeting system on his expenditures and be very disciplined.


To sum up, in order for you to be financially stable and accumulate wealth, you need to have good money management skills, excellent saving habits and be extremely discipline. You need to save 20% of your income every month and maintain a savings ratio of 3 to 6. I am very sure that you can achieve your financial goals if you are able to take control of your own finances. It is time for a change.

Do you want to have a debt- free life?

Cost of living now is increasing rapidly forcing people to work harder than ever. It is now common that people are taking up part time jobs to supplement their income. On average, almost half of an individual pay is used to pay liabilities. Banks are coming up with more and more credit products to attract more people to take up bank loans.
Credit companies are also making a lot of money collecting interest payment from their customers.

Financial problems seem to be a part of a person life now. Having debts is life. I reckon anyone who does not want their life to be debt- free and financially stable. More and more people are talking about financial freedom and dream of having a good life. However, people are earning more not to accumulate wealth but to pay debts. The golden rule for financial freedom is; you need to have money to make money.

There are many financial products that are designed for people to accumulate wealth but people are not making use of these products. People are better versed on which bank approves loans without much hassle and which department store offer instalment programs.

Do you want your life to full of debt until you grow old? Do you want to take a big loan even on your child’s education? Do you want to pay for your new car cash? Do you want to buy your first big house cash?

All this are possible with the help of financial advisor or financial planner. A financial planner knows all financial products to suit your needs at the back of their head. They are trained in financial services industry and I am very certain that they will tailor your to your financial needs.

As a financial planner myself, I am proud to say that I have helped my family members to realise their financial dreams. Everyone in my family is well aware of their financial situation and is very clear on their financial goals. My goal for my family is for them to achieve their dreams fast.

Drop me an email if you want your dream to come true!