DebtFree - Ka Hoe

DebtFree - Ka Hoe

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Live a Debt Free Life with Proven tools, systems & strategies by reducing your instalments, cutting your interest payments & reducing your loan duration.

📌Help employees, solopreneurs and business owners to overcome your debt and deficit problems

I focus on
✅Proven system to free you up in 2 months
✅Tools & Templates for instant clarity
✅Transparent & Ethical Solutions We help individuals restructure their debts so that they can have a better financial situation to enjoy a better quality of life

From 2008 onwards I was looking for someone to guid

08/05/2026

I was winning at life until this happened

This is a 3 part series
I didn't know what failure meant until I hit my 1st crisis

That's when I started my journey as a Financial Educator and Coach in 2008 that leads me to where I am now, here with u in 2026





06/05/2026

How Yukie overcome her RM 12K a month deficit without going thru the banking system?

Yukie was so surprised to find out how supportive her friend can be when she shared her problem with him

She didn't know her past contributions have helped her friend that much

Want to listen to more breakthrough stories?

Watch my 1st podcast here (link in my bio)

04/05/2026

Experiencing Kyoto latte at Kyoto - what kind of taste would it create?

I would say that it was the 1st time I had arabica (the brand) coffee

And it tasted sweet, rustic and nostalgic - just like my experience in Kyoto

If u ask me, I prefer Kyoto than Osaka

For the space and scenary
For the stories and history
For the ppl who are lively and passionate for their craft

I felt the sense of purpose in the ppl in Kyoto - even though it could b a small mom n pop okonomiyaki shop

When u tell the owner "oishi okonomiyaki!"

They were happy and proud to hear your praise. You could feel the soul and spirit here in Kyoto

As compared to Osaka, we went to a Michelin starred Okonomiyaki restaurant. Although the food was really good, but it lack something

It was only later I realize - it was human touch (when I was relating this story to a fren)

U can sense the waiters there were just cooking like a robot , following the SOP of the Michelin starred restaurant

But he lack the soul n passion in his job. He was doing it for the sake of livelihood (I guess). No right or wrong (and I'm not judging) but u could sense something was missing (from his body language)

The "living for a purpose" energy was missing.
Which is a sad thing

So my question to u is - "Do u live happily n freely even if u r poor?"

Or do u choosee to "Live rich and wealthy but can't seem to find why and what u r living for?"

Which would u prefer?
(I will share my answer in the comment)





03/05/2026

Want To Save RM 9k/mth Like Isabela Even With RM 5k deficit?

If u r struggling or know someone struggling, it is possible to overcome your struggles.

Once u r ready to face your struggle, the right people will appear

Share this to someone you care

01/05/2026

Throwback to Monie Fest

Thanks for the opportunity to moderate a session with Gin and William

Thanks for the opportunity to reach more Malaysians who maybe struggling with money - be happy and free, getting their breakthrough - thru my session

Looking forward to more sharing sessions like this - so more ppl can benefit

Photos from DebtFree - Ka Hoe's post 30/04/2026

Grateful for the opportunity to share with 's community together with shong on Tax And Cashflow

Love how ready and committed the participants are - asking questions and being an avid learner.

So I was looking for a community to contribute my yearly CSR contribution to.

Funny how the universe works when Jason, Chris Chan and Wan Xin Low showed up when I was looking for 1

Curious when my next talk is going to be?

29/04/2026

How do u overcome RM 7,000/month deficit in 5 months?

Ocean shares how he overcome his Level 4 debt problem and still live to tell his story

Amazing right? Hope it inspires you especially if u r stuck in a similar problem

Have you watch my 1st podcast?

Watch it here (link in my bio)





27/04/2026

How To Withdraw For University and still Claim Tax Relief From SSPN?

Want to save 50% of your tax payment legally - download my Tax Optimization Template (link in my bio)

26/04/2026

Do u know some 1 who paid to enroll to AKPK b4?

If yes , share with them this video. AKPK is free, you don't have to pay any fees to enroll!

Have you watch my 1st podcast?

Watch it here (link in my bio)

24/04/2026

Do you know that paying 25% Tax Bracket Is Different from paying 25% Effective Tax?

Give me a 👍🏻 if u know
Give me a ❤️ if u just realize it

Want to save 50% of your tax payment legally - download my Tax Optimization Template (link in my bio)

22/04/2026

Do you know the top 3 things most ppl miss when filing tax?

Typically it's
1. Forget to save for Private Retirement Scheme
2. Forget to save for their children education in SSPN
3. Forget to claim tax relief for Socso and EIS

Did you miss any of this?

Want to save 50% of your tax payment legally - download my Tax Optimization Template (link in bio)

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Click here to claim your Sponsored Listing.

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WORQ TTDI, Lot 1. 02 Level 1, Glo Damansara Shopping Mall, 699, Jalan Damansara, Taman Tun Drive Ismail
Kuala Lumpur
60000