News & Resources
Financial Freedom
财富公式：理解持久繁荣的五个关键
AUGUST 8, 2025 / JASON KOEH
The Wealth Equation: Five Keys to Understanding Lasting Prosperity
AUGUST 8, 2025 / JASON KOEH
跨越疆界，内在探索：永续生活的真正财富
JUNE 16, 2025 / JASON KOEH
Travel Beyond Borders, Discover Within: The True Wealth of Sustainable Living
JUNE 16, 2025 / JASON KOEH
人生、事业与财务智慧的交织：通往财务成功的路线图
APRIL 4, 2025 / JASON KOEH
The Interplay of Life, Career, and Financial Intelligence: Your Roadmap to Financial Success
APRIL 4, 2025 / JASON KOEH
存钱亦存肌：重新定义人生各阶段的重心
JANUARY 23, 2025 / JASON KOEH
Saving Money, Saving Muscle: Redefining Priorities Across Life Stages
JANUARY 23, 2025 / JASON KOEH
以富豪思维打造财富之路
在充斥着速效解决方案、快速趋势和即时致富承诺的世界中，年轻人很容易迷失真正的财务成功本质。真正成功的关键不仅仅是努力工作或财务精明，更是思维模式，一种对成长、韧性和目标的坚定信念。以富豪的思维方式开始，培养一种不仅能克服挑战还能将其转化为机遇的思维模式。这种思维模式的美妙之处在于它对每个人都是可触及的，无论他们从哪里开始。
OCTOBER 28, 2024 / JASON KOEH
Thinking Like a Millionaire: Unlocking Financial Success Through the Power of Mindset
In a world teeming with quick-fix solutions, fast-paced trends, and promises of instant wealth, it’s easy for young people to lose sight of the true essence of financial success. What sets the truly successful apart isn’t merely hard work or financial savvy alone—it’s a mindset, an unwavering belief in growth, resilience, and purpose. Thinking like a millionaire begins with adopting the mindset of success, one that not only endures challenges but transforms them into opportunities. The beauty of this mindset is that it’s accessible to everyone, regardless of where they start.
OCTOBER 28, 2024 / JASON KOEH
投资健康：锻炼如何推动财务成功
在当今快节奏的世界中，“时间就是金钱”这一短语深深地共鸣于许多追求财务成功的人们。然而，如果我们告诉你，将锻炼纳入日常生活可能是对长期财务健康的关键投资呢？身体健康与财务繁荣之间的联系比许多人意识到的要深远，而理解这种关系可以帮助你培养更全面的成功观。
OCTOBER 08, 2024 / JASON KOEH
Investing in Health: How Exercise Fuels Financial Success
In today’s fast-paced world, the phrase “time is money” resonates deeply with many individuals striving for financial success. However, what if we told you that incorporating exercise into your daily routine could be a pivotal investment in your long-term financial well-being? The connection between physical health and financial prosperity is more profound than many realize, and understanding this relationship can help you cultivate a more holistic approach to success.
OCTOBER 08, 2024 / JASON KOEH
时间投资回报丰厚：如何自我提升打造职业巅峰
在当今瞬息万变的职场环境中，时间不再仅仅是完成任务的单位，更是一笔宝贵的财富。**您如何支配时间，会对您自身以及对他人的价值产生深远的影响。**这绝非一蹴而就的决定，而是一种为了提升技能和知识而做出的 战略性长期承诺。正如专注于低价值的重复性工作并不能神奇地将您变成高价值的专业人士一样，持续投资于开发市场需求技能 将会 显著提升 您的收入潜力和职业发展轨迹。
JUNE 05, 2024 / JASON KOEH
You Are What You Invest Your Time In: How Priorities Shape Your Value
The choices we make about how we spend our time profoundly impact the value we can deliver to ourselves and others. This isn’t about a one-time decision, but the long-term investment we make in our skills and knowledge. Just as focusing on “five-dollar jobs” won’t magically transform you into a high-value professional, consistently investing your time in developing valuable skills will lead to a commensurate increase in your earning potential.
JUNE 05, 2024 / JASON KOEH
致富之路：穿越收入象限
想象一下一种没有财务束缚的生活，在那里你可以追求自己的梦想，按照自己的意愿工作。这就是财务自由，朋友。它不是关于一夜暴富，而是建立一个可持续的系统，产生被动收入来支付你的生活费用。
罗伯特·清崎 (Robert Kiyosaki) 推广的收入象限概念提供了一个框架，帮助我们理解人们如何创造收入。让我们探索这些象限，以及如何利用它们释放你的财务潜力：
收入象限：
• E (雇员)：你用你的时间和技能换取薪水或工资。这是最常见的象限，它提供稳定性和福利。
• S (个体经营者)：你拥有自己的生意，但需要积极地投入其中才能产生收入。这个象限提供更多的控制权和灵活性，但也承担着唯一的责任。
• B (企业主)：你拥有一个系统化的企业，可以在没有你的直接参与下运营。 你管理并分配任务给员工，让你可以大幅度地增加收入。
• I (投资者)：你将你的钱投资于产生被动收入的资产，例如出租房产、股票、债券或版税。这个象限提供长期财富创造和财务自由。
MAY 20, 2024 / JASON KOEH
Your Path to Financial Freedom: A Journey Through the Income Quadrants
Imagine a life free from financial constraints, where you can pursue your passions and work on your own terms. This, my friend, is financial freedom. It’s not about instant riches, but about building a sustainable system that generates passive income to cover your living expenses.
The concept of income quadrants, popularized by Robert Kiyosaki, provides a framework for understanding how people generate income. Let’s explore these quadrants and how you can leverage them to unlock your financial potential:
The Income Quadrants:
• E (Employee): You trade your time and skills for a salary or wages. This is the most common quadrant, and it offers stability and benefits.
• S (Self-Employed): You own your own business but actively work in it to generate income. This quadrant offers more control and flexibility, but also carries the burden of sole responsibility.
• B (Business Owner): You own a systemized business that operates without your direct involvement. You manage and delegate tasks to employees, allowing you to scale your income significantly.
• I (Investor): You invest your money into assets that generate passive income, such as rental properties, stocks, bonds, or royalties. This quadrant offers long-term wealth creation and financial freedom.
MAY 20, 2024 / JASON KOEH
隐藏的成本：为什么你的钱感觉赚不到钱？
曾经努力存钱或投资，却发现财富停滞不前吗？你并不孤单。许多人低估了侵蚀他们资金真正价值的隐藏成本。这篇文章将深入探讨 资金成本 概念，以及它为什么对实现财务成功至关重要。
理解资金成本
仅仅存钱或投资是不够的。你需要考虑 资金成本，它包括两个关键因素：
机会成本: 这指的是当你将资金用于其他用途时，错过的潜在回报。例如，你从 2023 年提供 5.5% 股息的 EFP 账户中提取 50,000 令吉。通过取出这笔钱，你将失去每年获得 5.5% 潜在收益的机会。
通货膨胀成本: 通货膨胀是指一段时间内物价逐渐上涨。随着通货膨胀上升，你的购买力就会下降。例如，想象今天一个面包的价格是 5 令吉。如果通货膨胀率为 2%，那么同样的面包明年可能需要 5.10 令吉。
MAY 13, 2024 / JASON KOEH
The Hidden Cost of Everything: Why Your Money Needs to Work Harder
Have you ever felt like you’re diligently saving or investing, yet your wealth seems stagnant? You’re not alone. Many people underestimate the hidden costs that erode the true value of their money. This article delves into the concept of cost of funds and why it’s crucial for achieving financial success.
Understanding Cost of Funds
Simply saving or investing isn’t enough. You need to consider the cost of funds, which encompasses two key components:
MAY 13, 2024 / JASON KOEH
利用策略管理与斜杠世代一起学习财务知识 – 具有高绩效的弹性工作场所
现代职场正在经历重大变革。 过去那种线性的职业道路已经一去不复返了。 如今的人们，往往被称为“斜杠世代”， 他们拥有多重角色和身份 – 既是雇员，又可能是自由职业者、企业主和投资家 (Dery, & Javidan, 2016)。 这就需要一种战略性的人力资源管理 (SHRM) 方法，这种方法可以培养工作场所的灵活性，并使个人能够实现其职业和财务目标。
本文探讨了战略管理、财务知识和工作场所灵活性在斜杠世代背景下的协同作用。 它强调了灵活工作安排对组织和个人双方的益处，同时承认了需要解决的挑战。
APRIL 22, 2024 / JASON KOEH
Strategic Management with the Slash Generation: Workplace Flexibility, Financial Literacy, and High Performance
The modern workforce is undergoing a significant transformation. Gone are the days of the linear career path. Today’s individuals, often referred to as the “Slash Generation,” juggle multiple roles and identities – employee, freelancer, business owner, and investor (Dery, & Javidan, 2016). This necessitates a strategic approach to human resource management (SHRM) that fosters workplace flexibility and empowers individuals to achieve their professional and financial goals.
This article explores the synergy between strategic management, financial literacy, and workplace flexibility in the context of the Slash Generation. It highlights the benefits of flexible work arrangements for both organizations and individuals while acknowledging the challenges that need to be addressed.
APRIL 22, 2024 / JASON KOEH
人高估物質带来的幸福,并且低估经验的长期正面效应 物质满足感:海市蜃楼还是幸福基石？
在追求财务自由的道路上，一个永恒的辩论是：物质满足感和幸福感之间究竟是什么样的关系？许多人认为拥有大量财富就等于拥有幸福人生，但事实果真如此吗？
物质与经验：截然不同的追求
首先，让我们厘清“物质”和“经验”这两个概念的内涵。“物质”指的是有形的资产，例如房产、汽车、名牌服饰等，它们能为我们的生活提供便利和舒适感。然而，物质的满足感往往是短暂的，随着新鲜感的消退，带来的快乐也会逐渐减弱。就如同小孩子拿到心仪的玩具，最初的欣喜会随着把玩而消散，取而代之的是寻找下一个新鲜刺激的事物。
APRIL 17, 2024 / JASON KOEH
The Illusion of Material Happiness: A Pursuit of Experiential Fulfillment
In the pursuit of financial freedom, a constant debate arises: what is the relationship between material satisfaction and happiness? Many believe that possessing vast wealth equates to a happy life, but is this truly the case?
Materialism vs. Experience: Divergent Paths
Let’s first clarify the concepts of “material” and “experience.” “Material” refers to tangible assets like property, cars, and designer clothes, which can enhance our comfort and convenience. However, material satisfaction is often fleeting; as the novelty wears off, the associated joy gradually diminishes. It’s like a child receiving a coveted toy; the initial excitement fades with use, prompting a search for the next thrilling experience.
APRIL 17, 2024 / JASON KOEH
拥抱财务智商之旅：金钱商数阶段
您是否准备好释放您的财务潜力，并为富足的生活铺平道路？ 了解财务商数的四个主要阶段的重要性，对于您在职业和人生旅程中导航至关重要。 在这篇文章中，我们将深入探讨财务商数的变革力量，并向您介绍一本名为《奴财》的书籍，它将指导您走向繁荣之路。
财务商数的力量
财务商数是掌控您的财务状况、做出明智决策并最终实现财务自由的关键。 通过深入研究财务商数的重要阶段，您可以为未来繁荣奠定基础。
APRIL 5, 2024 / JASON KOEH
Embrace the Journey of Financial Intelligence: The Money Quotient Stages
the importance of the four major stages of financial intelligence is essential as you navigate your career and life journey. In this inspiring article, we will delve into the transformative power of financial intelligence and introduce you to a book- The Slave of Money, that will guide you on your path to prosperity.
The Power of Financial Intelligence
Financial intelligence is the key to taking control of your finances, making informed decisions, and ultimately achieving financial freedom. By delving into the important stages of financial intelligence, you can set the stage for a prosperous future.
APRIL 5, 2024 / JASON KOEH
解锁潜能：自我认知成就职业生涯
你是否曾经觉得自己职业生涯毫无目标，只是在应付差事？许多人都遇到过这种情况。但是，如果有一种方法可以让你带着目标去规划职业生涯，既能取得成功，又能感到满足呢? 关键在于自我认知。
了解自己 – 你的优势、劣势、价值观和抱负 – 可以让你做出明智的决定，并朝着真正充实的职业生涯迈进。然而，这个旅程并非线性发展。它由一系列阶段组成，每个阶段都伴随着自己的挑战和回报。
让我们探索四个截然不同的职涯阶段，以及自我认知如何引领你度过这些阶段，并提供每个阶段的真实案例，其中包括是成为一名员工还是自己创业的难题：
MARCH 16, 2024 / JASON KOEH
Unleash Your Potential: Self-Awareness for a Fulfilling Career Journey
Have you ever felt like you’re going through the motions in your career? Many people do. But what if there was a way to navigate your professional journey with purpose, achieving success while also feeling fulfilled? The key lies in self-awareness.
Understanding yourself – your strengths, weaknesses, values, and aspirations – empowers you to make informed decisions and chart a course toward a truly fulfilling career. This journey, however, isn’t linear. It’s a series of stages, each with its challenges and rewards.
Let’s explore four distinct career stages and how self-awareness can guide you through them, with real-life examples for each stage, including the dilemma of staying an employee or starting your own business:
MARCH 15, 2024 / JASON KOEH
Money to Make New Money = Portfolio Management
If you are able to apply the following 3 rules into your Personal Economy, congratulations, you have come to the next horizon after cash flow management, which is portfolio management.
1. Don’t let debt rise faster than income
Because your debt burdens will eventually crush you
2. Don’t let income rise faster than productivity
Because you will eventually become uncompetitive
3. Do all that you can to raise your productivity
Because in the long run, that’s what matters most
With a simple and luxurious lifestyle, you provide a roof over the heads of yourself and your family, food on the table, books, and of course bills settlement in case of any sickness. You need to believe that the basic lifestyle is not expensive. Always give and share as this makes you believe you have more than enough.
MARCH 15, 2024 / JASON KOEH
共同的理财信仰，导航夫妇财务和谐
对于马来西亚夫妇来说，财务和谐是蓬勃发展关系的基石。虽然爱情、激情和情感联系构成了坚实的纽带，但财务兼容性在确保这种联系长久持续中发挥着关键作用。
财务分歧的普遍性
统计数据显示，财务分歧是导致关系压力的主要原因之一，常常最终导致离婚或分手。在马来西亚，有41%的离婚是由于财务冲突造成的，有25%的夫妇表示金钱是他们关系中最大的问题。这项统计数据来自马来西亚统计局（DOSM）2023年进行的一项调查。
DECEMBER 9, 2023 / JASON KOEH
Shared Financial Faith, Navigating Couples Financial Harmony
For Malaysian couples, financial harmony is a cornerstone of a thriving relationship. While love, passion, and emotional connection form the bedrock of a strong bond, financial compatibility plays a pivotal role in ensuring the longevity of that connection.
The Prevalence of Financial Disagreements
Statistics reveal that financial disagreements are a leading cause of stress in relationships, often culminating in divorce or separation. In Malaysia, 41% of divorces in Malaysia are attributed to financial conflicts, and 25% of couples say that money is the biggest issue in their relationship. This statistic is from a 2023 survey conducted by the Department of Statistics Malaysia (DOSM).
DECEMBER 9, 2023 / JASON KOEH
驾驭财务和谐：在马来西亚培养财务信仰
马来西亚是东南亚一个快速发展的国家，其家庭的财务状况越来越令人担忧。统计数据描绘了一幅令人担忧的画面，突出了马来西亚公民普遍存在的财务挑战。
• 债务水平上升：令人震惊的72%的马来西亚家庭债务缠身，平均家庭债务收入比达到1.82。这种高债务负担对财务稳定构成重大风险，并阻碍家庭为未来储蓄和投资的能力。
• 储蓄不足：雇员公积金（EPF）的一份报告显示，只有45%的马来西亚EPF成员拥有足够的储蓄，可以在失业或收入中断的情况下维持六个月以上的生活。这种缺乏应急资金使家庭容易受到财务冲击。
• 财务知识不足：马来西亚理财规划协会（MFPC）的一项研究表明，只有42%的马来西亚人拥有基本的财务知识。这种缺乏财务知识导致财务决策不佳，阻碍了财务进步。
DECEMBER 5, 2023 / JASON KOEH
Navigating Financial Harmony: Cultivating Financial Faith in Malaysia
The Prevailing Financial Woes of Malaysian Households
Malaysia, a rapidly developing nation in Southeast Asia, faces a growing concern regarding the financial well-being of its households. Statistics paint a concerning picture, highlighting the prevalence of financial challenges among Malaysian citizens.
• Rising Debt Levels: A staggering 72% of Malaysian households are burdened by debt, with an average household debt-to-income ratio reaching 1.82. This high debt burden poses a significant risk to financial stability and hinders the ability of households to save and invest for the future.
• Inadequate Savings: A report by the Employees Provident Fund (EPF) revealed that only 45% of Malaysian EPF members have sufficient savings to sustain themselves for more than six months in the event of job loss or income disruption. This lack of emergency funds leaves households vulnerable to financial shocks.
• Low Financial Literacy: A study by the Malaysian Financial Planning Council (MFPC) indicated that only 42% of Malaysians possess basic financial knowledge. This lack of financial literacy contributes to poor financial decision-making, impeding financial progress.
DECEMBER 5, 2023 / JASON KOEH
财务自由比赚很多钱更重要吗?
你想要的财务自由数字是多少?你的银行户口里需要有多少钱才能让你现在不再为别人工作，或者在经济上获得自由?
大多数人用一个很大的数字来回答这个问题。100万美元、200万美元、1000万美元……每个人都想拥有财务自由，但90%的人将财务自由与被动收入或赚很多钱混为一谈。这两个词有时一起使用，但它们的意思完全不同。我们先来复习一下。
财务自由是用来描述当一个人有足够的收入或资金来支付他/她的基本生活开支，他/她的整个生活，而不必受雇于任何人或依赖任何人。
MAY 1, 2023 / JASON KOEH
Is Financial Freedom More Important than Making a Lot of Money?
What’s your financial freedom numbers? How much would you need in the bank to be able to stop working for somebody else right now or be able to be financially free? Most people answer that question with a very big number. $1 million, $2 million, $10 million… Everyone would like to have financial freedom, but […]
MAY 1, 2023 / JASON KOEH
Embrace the reality that the world is not fair – you would be happier when you understand it.
You were born in the countryside, and Bill Gate’s children were born in Bill Gate’s home. How to compare? The only fair thing is that you and I have 24 hours a day. But how could people really understand that the time is their lives? And to make full use of the time while you […]
NOVEMBER 15, 2022 / JASON KOEH
