Financial Planning only for the rich?

I was fortunate to join the financial industry when I graduated. I learn a lot about financial planning and management knowledge and practice some of it. I want to share with you today one rule that I have practised since then, which is to pay yourself first. When you receive an income, pay yourself first. What does this mean? It means paying yourself first as a saving for the future or a sum of money you set aside for a purpose, such as savings, buying a toy, buying something, a holiday, etc. We do have to remember one of the reasons we work is to enjoy life. You will develop such a habit and high discipline as time goes by. Today, I meet a person who save a small of money for years so that he can buy a Microsoft Surface Pro 7 for his wife. It struck me when he hand me a stack of hard cold cash. I told him that I received his payment with a heavy heart. I can feel the sincerity and the high self-discipline over the years that he save enough money to buy this item. I wish him the best

I passed my Registered Financial Planner examination

It was 1 year ago while we are still lockdown at home due to Covid 19 pandemic and I decided to complete my journey as a financial planner. I would like to provide you with some background that Registered Financial Planner is not equal to Certified Financial Planner.

Certified Financial Planner is from Financial Planning Association Malaysia (FPAM) and this is the link to explain to you the path to become a Certified Financial Planner (Link)

However, Registered Financial Planner is from Malaysian Financial Planning Council (MFPC) and this is the link to explain to you the path to become a Certified Financial Planner (Link)

Both certifications will go through the same modules and I have no comment on the content until I personally go through it. If you have any experiences for both certifications, please do share with me your experiences.

I passed Module 1 and Module 2 when I was a trainer many years ago. I am also certified as Trainer for Module 1 and Module 2. That was the time when MFPC is promoting heavily for all life insurance agents to go through these 2 modules. I am very fortunate to be one of the pioneers in promoting this program.

Fast forward today, I believe is time for me to complete the whole course so that I will have enough basic knowledge to do this public service to all. 

Besides having a great interest in technology and gadgets, I am also very passionate about financial education. I will start to create more content regarding financial education and please remember to subscribe, follow and like this post so that you will get notification when I post new content. 


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