Financial Advisor: The Real Reason We Do Not Make Enough Money

Financial Advisor: The Real Reason We Do Not Make Enough Money

Are you in credit card debt and don't know where to start? You are not alone. The average Malaysian owes almost 12,000 ringgit in credit card debt. And the scary truth is, most of us don't even realise how deep we are in it until it's too late. In this episode, Peter sits down with Rajen, one of Malaysia's most experienced licensed financial planners, to have the honest conversation about credit card debt that most people are too embarrassed to start. Rajen has trained debt counsellors at AKPK, written about personal finance for over 11 years in the New Straits Times, and has worked with Malaysians across every income level. And what he has found is this, earning more does not automatically get you out of debt. 💰 Build A Real Savings Habit The easiest way to save money is to put it away and forget about it. Start growing your savings safely with BSN SSP today. i. Start with just RM10, save minimum RM3,000 for a chance to win RM1 million every month! ii. Earn up to 2.5% profit every year to grow your money iii. Stand a chance to win luxury cars, gold vouchers and up to RM1 Million BSN SSP every single month 👉 Click here to start saving your money: https://finlit.my/bsn Chapter Marker: 00:00 - Teaser 00:38 - The Hidden Truth Behind Malaysia's Debt Problem 01:12 - Low Salaries and the Global Market 02:33 - Bad Spending Habits vs. Low Income 03:42 - Using Money Ratios to Save First 05:51 - Rising Costs and Inflation Since the 1980s 07:09 - First Steps to Clear RM20,000 in Debt 09:02 - Handling Debt Across Multiple Credit Cards 17:12 - Why Small Wins and Emergency Savings Matter 18:50 - Saving and Forgetting Your Money with BSN SSP 21:24 - Common Expenses You Should Cut First 23:28 - The Simple Meaning of "Utility" 26:50 - Using Personal Loans for Credit Card Debt 30:54 - The Growing Problem with Money Discipline 32:00 - How to Stay Out of Debt for Good 35:33 - Why Credit Cards Offer Better Protection 36:28 - The Right Number of Credit Cards to Own 39:28 - Why "Buy Now, Pay Later" Can Be Dangerous #CreditCardDebt #DebtFreeMalaysia #PersonalFinanceMalaysia #HutangKadKredit #SnowballMethod #MrMoneyTV #KewanganMalaysia #DebtFree #CreditCard #FinancialPlanningMalaysia #BuyNowPayLater #BNPLMalaysia #HowToGetOutOfDebt #MinimumPayment #DebtPayoff Come say Hi to us at, 🌐 Website: https://www.mrmoneytv.com/ 📘 Facebook: / mrmoneytv 🐦Twitter: / https://x.com/mrmoneytvchnl?s=21 📱 Instagram: / mrmoneytv 🖊️ LinkedIn: / mr-money-tv 🤳 TikTok: @mrmoneytvchannel 🎙️Podcast:https://open.spotify.com/show/1EhftKY... For business & job enquiries, do contact us at, ✉️ collabs@finlitmedia.co Disclaimer: This is not investment advice. All content produced is solely for education and entertainment purposes only. Please consult your financial adviser before making any investment decision.

The Property Expert: What The Property Industry Does Not Want You To Know Before You Buy

You've been told your whole life that buying property is the safest thing you can do with your money. But what if that advice — the same advice your parents, your friends, and every property guru out there has been giving you — is the very thing that could trap you for the next 35 years?In this episode, Peter sits down with Gin, a property expert who has personally reviewed over 240 properties across Malaysia. What he has seen inside those properties — and the stories behind them — will change the way you think about property investment forever. Chapter Marker: 00:00:00 - Teaser 00:00:37 - The Biggest Lie About Property Investment 00:01:52 - Is Rental Income Really Passive? 00:04:37 - What's Flawed With the Asian Property Mindset? 00:11:24 - What's the Most Dangerous Property Advice Out There? 00:13:51 - How Do Developers Mark Up Properties to Fund GRR? 00:17:31 - Is GRR Even Legal? 00:21:00 - Should the Government Intervene With GRR? 00:27:08 - What Do You Look For When Viewing a Property? 00:28:12 - What's the Difference Between Maintenance Fee and Sinking Fund? 00:41:39 - Leasehold vs Freehold — Which Should You Pick? 00:48:08 - New Township vs Established Area: Which Is Better? 00:52:43 - How Do You Pick a Township for Investment? 00:59:24 - How Do You Spot a Real Buying Opportunity? 01:00:51 - How to Avoid Being Tricked by Sales Agents 01:03:35 - Does the Property Developer Brand Matter? 01:09:40 - Step-by-Step Guide to Buying Your First Property 01:13:34 - How Do You Know If You're Ready to Buy a Property? 01:16:09 - What to Tell Fresh Graduates About Buying Property 01:18:41 - Where to Find Gin Online 01:19:30 - What Keeps a Property Expert Up at Night? #PropertyInvestment #RealEstateTips #FirstTimeHomeBuyer #PropertyGuru #SubsaleProperty #HouseHunting #LandedProperty #CondoLiving #FreeholdVsLeasehold #BuyingAHouse #MalaysianPodcast #StayWorkProperty #BusinessPodcast Come say Hi to us at, 🌐 Website: https://www.mrmoneytv.com/ 📘 Facebook: / mrmoneytv 🐦Twitter: / https://x.com/mrmoneytvchnl?s=21📱 Instagram: / mrmoneytv 🖊️ LinkedIn: / mr-money-tv 🤳 TikTok: @mrmoneytvchannel 🎙️ Podcast:https://open.spotify.com/show/1EhftKY... For business & job enquiries, do contact us at,✉️ collabs@finlitmedia.co Disclaimer:This is not investment advice. All content produced is solely for education and entertainment purposes only. Please consult your financial adviser before making any investment decision.

33-Year Diplomat: The Middle East War Is Just Beginning, And We Are Not Ready

Iran now controls who passes through the Strait of Hormuz, and 20% of the world's entire oil supply flows through it. While ships from every other country are being blocked, Malaysia keeps getting safe passage. But with people queuing for petrol at stations overseas, should Malaysians actually be worried? We sat down with Dato Dr. Ilango, a 33-year veteran of Malaysia's Foreign Service and former Ambassador to Lebanon, for one of the most important conversations about Malaysia's position in the world that you probably haven't seen yet. His answer will change the way you see Malaysia's place in this world. Chapter Marker: 00:00 [https://www.youtube.com/watch?v=h8bNyPRYYAA] - Intro 00:40 [https://www.youtube.com/watch?v=h8bNyPRYYAA&t=40s] - Why Malaysia Has This Unique Position 02:36 [https://www.youtube.com/watch?v=h8bNyPRYYAA&t=156s] - The Analysis: Bell Curve 05:16 [https://www.youtube.com/watch?v=h8bNyPRYYAA&t=316s] - Why This War Is Different 09:23 [https://www.youtube.com/watch?v=h8bNyPRYYAA&t=563s] - Strait of Malacca 16:02 [https://www.youtube.com/watch?v=h8bNyPRYYAA&t=962s] - The Opportunity 29:42 [https://www.youtube.com/watch?v=h8bNyPRYYAA&t=1782s] - The Threat & The Four-Signal Tool 43:04 [https://www.youtube.com/watch?v=h8bNyPRYYAA&t=2584s] - Personal Advice for Regular Malaysians #greenlane [https://www.youtube.com/hashtag/greenlane] #IranWar [https://www.youtube.com/hashtag/iranwar] #OilCrisis [https://www.youtube.com/hashtag/oilcrisis] #Malaysia [https://www.youtube.com/hashtag/malaysia] #StraitOfHormuz [https://www.youtube.com/hashtag/straitofhormuz] #StraitofMalacca [https://www.youtube.com/hashtag/straitofmalacca] #MalaysiaEconomy [https://www.youtube.com/hashtag/malaysiaeconomy] #MalaysianBusiness [https://www.youtube.com/hashtag/malaysianbusiness] #Geopolitics [https://www.youtube.com/hashtag/geopolitics] #OilPrice [https://www.youtube.com/hashtag/oilprice] #DiplomaticFile [https://www.youtube.com/hashtag/diplomaticfile] #malaysiapodcast [https://www.youtube.com/hashtag/malaysiapodcast] #businesspodcast [https://www.youtube.com/hashtag/businesspodcast] #businessopportunity [https://www.youtube.com/hashtag/businessopportunity] Come say Hi to us at, 🌐 Website: https://www.mrmoneytv.com/ [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbXAtamlabGZUZzNaUlF3ZGxVUDhfNzhXYWZsQXxBQ3Jtc0trX2Q0eDBBdk1pbWdMZjJ0empZclVjd1llbVhzMklQRFNQQmlmS2NVOVdSZWVDalVkUk1RRHNnRnp5UHpLTEZWNmwxcGp2a3dUU0VTVjFYUFVqUTZJYnZDVDFuU0dpWEhXMFhqX25BQUd2dWk3WXB2SQ&q=https%3A%2F%2Fwww.mrmoneytv.com%2F%E2%80%8B&v=h8bNyPRYYAA] 📘 Facebook: / mrmoneytv 🐦Twitter: / https://x.com/mrmoneytvchnl?s=21 [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbXJhNzBpNF9IVVZqZzVJUlBsUU5ZelpLMHVmUXxBQ3Jtc0tramM4UnNRcmpXU3JXVURoZEFjMjh1QVRIOHRpa19mR2VlTnBiUFZBTXlJMExLa3lnM3pGY0ppSUdLbFMxM0tSR3J2blFqczdLV1JBeVlNSXhjbVM2MlViTzRoSWhEOUJERGQ3SG1YV2ViNk5PcHVsbw&q=https%3A%2F%2Fx.com%2Fmrmoneytvchnl%3Fs%3D21&v=h8bNyPRYYAA] 📱 Instagram: / mrmoneytv 🖊️ LinkedIn: / mr-money-tv 🤳 TikTok: @mrmoneytvchannel 🎙️ Podcast:https://open.spotify.com/show/1EhftKY.. [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa3FGeThZNjZOQ3BaUk1saUVWV1h1eDdEU09Id3xBQ3Jtc0tsc2hwdmhmY21nWHBkVFdTa2d6TlNDc011dHZBalpUY3FUZU00ajZjaUhTVmVKR0JpWGdwLXZXWVQwb01tdFRxbmx6dnd4UWxZVkhIMDJqSWZ2aXJIVEt0TzdmS3kwcjFDUFdjaWRrUEdWVnF5TnBkQQ&q=https%3A%2F%2Fopen.spotify.com%2Fshow%2F1EhftKY..&v=h8bNyPRYYAA]. For business & job enquiries, do contact us at,✉️ collabs@finlitmedia.co Disclaimer:This is not investment advice. All content produced is solely for education and entertainment purposes only. Please consult your financial adviser before making any investment decision.

Why Do We Need Bank Negara?

In this episode, I sit down with the Deputy Director of Bank Negara Malaysia to break down how Malaysia’s financial system actually works. From the role of Bank Negara in managing the economy, inflation, and the strength of the ringgit, to a behind-the-scenes tour exploring the history of money in Malaysia, this episode simplifies complex monetary concepts and shows how central banking decisions affect everyday Malaysians.

Rich Dad: Why Most People Are Rich But Never Wealthy

Is it real, or is it a scam? William built his online persona around supercars, luxury, and the “Rich Dad” image, a lifestyle that’s attracted massive attention and just as much skepticism. Behind the flash, he operates as a private investor, leveraging capital, networks, and positioning in ways most people don’t fully understand. In this episode, we break down the reality behind his wealth, why he intentionally presents such a provocative image online, and how he actually makes money. We also dive into his views on privilege, opportunity, and why social media can distort what success really looks like. If you’ve ever questioned online “rich” creators or felt unsure about what’s real on your feed, this is a grounded look at perception vs reality, and what it actually takes to build and sustain wealth today. Chapter Marker: 00:00 Trailer 00:27 Who is Rich Dad William? 02:18 How William built his wealth 04:28 William’s background and early life 06:13 Differences in lifestyle and views on money 08:23 How William funds his luxury lifestyle 17:51 How William’s view on money has changed 20:49 William’s investment strategy 31:02 Singapore vs Malaysia: key differences in investing 40:30 How wealth level affects money decisions 49:01 William’s view on gold in uncertain times 50:54 How William builds investment conviction 52:04 How William decides when to sell 55:58 When to diversify investments 01:01:57 How to make the first million—and scale further 01:05:04 Money advice for fresh graduates 01:06:08 Common mindset blocks that limit wealth 01:07:47 Traits of successful people 01:09:07 William’s key message to his audience #richdadwilliam #entrepreneurship #wealthbuilding #investing #moneymindset #luxurylifestyle Come say Hi to us at,  🌐 Website: https://www.mrmoneytv.com/   📘 Facebook:   / mrmoneytv       🐦Twitter:   / https://x.com/mrmoneytvchnl?s=21 📱 Instagram:   https://www.instagram.com/mrmoneytv     🖊️ LinkedIn:   / mr-money-tv   🤳 TikTok: @mrmoneytvchannel  🎙️Podcast:https://open.spotify.com/show/1EhftKYdbpC0C2VnTJOO2K?si=NDZmt_i-RiWSS8wHIFOdnQ For business & job enquiries, do contact us at, ✉️ collabs@finlitmedia.co Disclaimer: This is not investment advice. All content produced is solely for education and entertainment purposes only. Please consult your financial adviser before making any investment decision.