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
DebtFree - Ka Hoe
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
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)
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
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
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?
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)
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)
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)
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)
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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WORQ TTDI, Lot 1. 02 Level 1, Glo Damansara Shopping Mall, 699, Jalan Damansara, Taman Tun Drive Ismail
Kuala Lumpur
60000