Authors

Lim Lai Kean

ABOUT THE AUTHORS

Lim Lai Kean has 18 years experience working in US multinationals and in the Finance industry. She is a Chartered Management Accountant (ACMA) in UK, and completed her MBA Finance degree in University of London, Imperial College.

BOOK DESCRIPTION
  • Are you sometimes doubtful that you will be able to save enough for your retirement?
  • Have you always wanted to start your own business, but feared you would lose your hard-earned savings to ventures that were unprofitable?
  • Are you living month-to-month, even though you earn a five-figure salary?

Being learned does not necessarily mean that we know how to manage our money. To do so, we need to understand our money profile—or financial blueprint—which includes our spending habits. People most often spend because of their unmet needs (physical and emotional), and may subsequently invest out of a sense of scarcity, rather than a position of strength and understanding.

From Your Darkest Hour to Your Greatest Moment: 10 Things I Wish I Knew About Finance Before I Turned 30 will show you your specific financial blueprint, and teach you how that blueprint affects your investment decisions and your overall financial health. Consider this a turning point; you will finally understand what it takes to be financially independent and how you can achieve that independence on your own terms.

Cost and Worth are two different things. Know the difference and it will change your perspective on wealth and money.

Discover your specific financial blueprint, and gain mastery over all it entails so that you may step into tomorrow financially independent, on your own terms.

  • Being wealthy and being financially secure are two different things. Know the difference.
  • A good investment is rarely a “bad” investment just because it does not guarantee a high return. A good investment should provide consistent returns at minimal risk.
  • Know what you need and can afford to invest in. Never invest money you can’t afford to lose.
  • If an investment provides an extraordinary return in a short period of time, always read the fine print. If it sounds too good to be true, then it likely is.
  • Understand that what happens to you does not define who you are. What happens to you is not as important as how you respond to what happens to you.
  • What is best for your friend may not be best for you; the same applies to investment and finance.
  • Always pay yourself first; never take yourself for granted.
  • You are the best person to decide what is best for you. Don’t rely on others to decide your financial future, but do learn from others who have succeeded at financial independence.
  • Look in the mirror every morning and tell the person looking back: ‘You can and will succeed’.
  • Believe in your dreams and don’t let anyone, for any reason, tell you that you can’t achieve them. You only live once, so chase your dreams!