Books, Budgets & Breakthroughs: Financial Journal

  Lessons from My Post-Induction Journey After completing the initial product training, I stepped into the post-induction programme with an open mind. Listening Before Suggesting One of the most powerful lessons I took away was the importance of listening. Analysing another one's need was through listneing. Listening before any suggestion. In the past, I thought consulting was about showing what there is to offer. However, consulting is all about listening, and then asking the right questions. During one session, a speaker shared her own story. She spoke about someone she knew at a salon she frequented. One week, everything seemed normal—the salon was open and customers came in. The following week, one person was missing. Her hairdresser was missing. The story struck me: life is fleeting. We can be here one moment, and gone the next. It made me reflect on the people and the things I cherish most. And if many are fighting life for money, certainly financial planning has a part ...

One Month Into Financial Consulting: My Journey So Far Coming from an engineering background, I had not imagined myself in this line of work. Yet, somewhere, I know this was something I wanted to try. I needed to challenge myself—and over the past one month I have been a on a ride of rejection, growth, and unexpected joy. Starting as a Crowdpuller: Facing My Fear of Rejection My journey began humbly—as a crowdpuller  long ago though . My only task was to approach strangers and get them to stop and listen. My reasons for doing so was because I was the one who would reject the people approaching me. I wanted to get my hands into the waters to feel the stuggles of approaching people, and to overcome the fear of approaching. For most common reasons, I got rejected. But it became more understandable. Funny enough, the people who rejected the hardest, didn't know how else to say no. Yet people who politely declined, knew to stand their ground. Slowly and steadily, rejection isn't a...

Real Stories that Teach Wealth Warren Buffett - Start Early Stay Consistent Warren Buffett, known as one of the world’s most successful investors, bought his first stock at just 11 years old. He got  three shares of Cities Service for $38 each. When the price dropped to $27, many would have panicked, but Buffett held on until it rebounded to $40. Although he sold too soon (the stock later went over $200). The lesson stuck that  time in the market beats timing the market . Over the next 80+ years, Buffett would stay consistent — investing steadily in businesses he understood, reinvesting his returns, and letting compound growth work its magic. Today, more than 90% of his wealth came after his 60th birthday , proving that wealth isn’t built overnight, but over decades of steady, disciplined action. Key takeaways from Warren's story is:  Start as early as you can. Be patient. Stay consistent. Let compounding do the heavy lifting. Dave Ramsey - From Bankruptcy to Million...

Rich Dad Poor Dad ~ by Robert Kiyosaki This was the first book I ever read about money. I remember then I felt finance was a matter of luck. If you were lucky, you can be wealthy. As I read this book, I realise money is as well a matter of learning. Thankful for Robert Kiyosaki who dedicated his life educating the next generation. In the book, he mentions the financial philosophies of his two "dads". His real father (poor dad) and the father of his best friend (rich dad). For one, his real father (poor dad) was working for companies and his salary held him tight. He was working for money. His best friend's father (rich dad) was working for value and money was working for him. This was transformational for me as I see some of the frameworks outlined below: 1. | The Rich Work for Value | instead of working for a paycheck month-by-month, the rich were focusing on building assets that generate passive income such as businesses, investments, assets. 2. | Financial Education...