Free Live Masterclass, 10th Sep — seats are limited and filling up. Register before they're gone.
— FREE ONLINE MASTERCLASS —
How Malaysian professionals are building a retirement they can actually afford without earning more or cutting their lifestyle
Most won't get there. Almost none of them know it yet.
10th September
(Thursday)
|
8 - 11PM
(GMT+8)
|
ZOOM
(Online)
It was never about how much you earned
Two Malaysians. Same salary. Twenty years later, one can stop working and one can't.
No windfall. No crisis. No business that took off. The difference was what happened to the money after it arrived.
Neither of them was reckless. Both worked, both saved. Only one of them ever checked whether it was enough.
01
Saving and growing are different skills
One keeps your money. The other grows it. Most of us were only ever taught the first.
02
The costly mistakes don't feel like mistakes
Nobody feels reckless buying a savings policy or leaving cash in FD. That's exactly why nobody checks them for fifteen years.
03
Time is working either way
Compounding doesn't care which direction it runs. Point it at the wrong thing for twenty years and it works just as hard against you.
Your salary decides how you live this month. What you do with it decides how you live at 65.
So which one are you? It comes down to three numbers.
Three numbers.
Most people can't answer one of them.
Not because they're careless. Because nobody ever sat them down and asked.
This is why it never feels like enough. You've been running toward a line that keeps moving.
Almost nobody factors inflation into either number. That's the whole reason a raise never feels like progress, and why "I'll have enough" keeps quietly moving further away.
You'll work out all three during the session, with your own figures. Number 02 is the one people find hardest to look at. Number 03 is the only one you can't get back.
Knowing the numbers is half of it. The other half is where the money goes next.
What we'll cover, live
First you find out where you are. Then what to do about it.
Part One — Know where you stand
01
Where your money is leaking
How to audit what you already own — policies, savings, commitments — and see which are working. Most people find at least one thing they didn't know about.
02
Your number, and the gap
What you actually need by 60, based on how you really live. Then an honest look at the distance from here.
Part Two — Build from there
03
What actually counts as an asset
The difference between money that sits and money that works — and why several things Malaysians call assets don't qualify.
04
Choosing your vehicle
The numbers tell you the direction. This is what you actually drive, and how to tell whether it suits your situation or someone else's.
— See the math yourself —
See how a small habit can compound over time
Move the sliders. This is a simplified illustration of how consistent investing and compounding interact the same principle we explore live.
— The cost of "later" —
Waiting isn't neutral. It has a cost.
5YRS
The earliest years are the ones that would compound the longest. Skipping them tends to cost the most.
—
10YRS
The gap widens. Catching up usually means setting aside more, for longer.
—
20YRS
Options narrow. Retirement can shift from a choice you make to a date decided for you.
Every year you wait is a year you can't get back and often the most valuable one.
Everything You Get In 3 Hours — Stacked Up
If you attended a private financial clarity session like this, it could easily cost thousands. Here Is Everything You Will Be Getting in This Workshop:
This is an educational masterclass only. It is not investment advice, personal financial advice, or a guarantee of reaching RM10M.
Why this is different?
Most financial classes teach theory. You leave inspired, and nothing changes.
Your bank shows a balance.
Your EPF statement shows a figure.
Your payslip proves you earn.
None of them tell you whether you're on track.
So here you bring your real figures and we work through them live. You do the work in the room.
Theory tells you what wealth is. This tells you where you are.
What this is not
Not a recruitment session. Nobody will invite you into a downline.
Not a product pitch. No policy, fund or plan sold to you during the teaching.
Nobody will ask to review your finances or ask you to share your figures.
Not a "get rich" talk. Nothing here promises a return or an outcome.
— your host —
Andrew Lee
Founder, 10M
8+ years coaching ordinary people on building cashflow & assets
Trained over hundreds of investors on expanding portfolio
Active / seasoned investor across multiple markets
Trainer & speaker on multiple stages on financial literacy events
Andrew's Background
Certified Financial Coach by IPMA, UK (International Professional Manager Association, UK)
Serial Property Investor and Entrepreneur
Coached over Hundreds of investors on making 5-6 figures a month
Spent past 8+ years coaching ordinary people on building cashflow & assets
The numbers don't change because you didn't look at them.
Not knowing has never protected anyone. It only delays the point where you can still do something.
The years are the only part you can't fix later.
10th September
(Thursday)
|
8 - 11PM
(GMT+8)
|
ZOOM
(Online)
We respect your privacy. Your details are only used for this workshop.
Questions
No. If you can read your own bank statement, you can follow this.
Usually more so. The audit tends to surface things people have carried for years without checking.
Not during the teaching. At the end Andrew mentions a paid workshop. You can leave before that and lose nothing.
Please bring them. Money decisions made alone rarely survive contact with the other person. Register once and watch together.
There's no recording, so pick a date you can make. Reminders go out 24 hours and 1 hour before.
No. The method matters more than the starting number — though the earlier you apply it, the more time works for you.
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