*Episode is brought to you by Her Duit & Kenanga Futures It's me! I'm back but just for a little mid-break check-in while I continue to focus on some of my other current commitments and priorities. I also have an exciting platform to share with you, especially to those who have asked me questions about learning to trade. ☺️ In this episode, I talk to you about: What I have been working on while taking a pause on my podcast interviews My little mental break from the emotions of languishing 3 money tips for you while I'm still on break! Kenanga Futures Virtual Trading Learn more here: https://www.kenangafutures.com.my/kfvt/ Signup for free: https://kfvirtualtrading.com/user/register/?referral_code=6E2F3A Her Duit Instagram Page: https://www.instagram.com/her.duit/ Her Duit Facebook Page: https://www.facebook.com/herduit Her Duit Discount Codes: https://linktr.ee/herduit Oyen - Pet Insurance in Malaysia: https://www.oyen.my/

Season 1 Finale! Wow, what a journey it has been! When I started Her Duit, I never imagined getting to episode 32, actually, I never thought too much about where to go, I just kept going and told myself I cannot quit. It's been fulfilling but also challenging the last couple of months since before Her Duit started, from getting everything prepared, actually getting started to consistently produce content every single day; on top of my full-time job and a few things going on at the side. Anyway, this is the long-awaited episode that I actually recorded back in January 2021 with Kevin during the lockdown. I initially had it scheduled to be released like a normal episode but with MCO 2.0 and not having taken more than a 3 day break the last year taught me that it's probably time to take a (sort-of) break and get pumped up for Season 2 and more exciting things. I hope this gives you a lot more backstory as well as insights into the voice and face behind Her Duit. :) 04:38: A candid introduction 05:30: A little insight into my childhood and education 07:18: My first encounter in personal finance 10:29: My attitude towards making money growing up 13:29: Memorable experiences growing up 14:54: How did my perception of money change? 16:24: What was holding me back from investing? 18:07: Why was my first investment ever in cryptocurrency? 20:03: How did I gain the confidence to start investing? 23:02: Learning company fundamentals: need or not need? 26:59: My biggest investment regret/learning 29:01: Advice to my 23-year-old self in entrepreneurship & money 30:03: How do I feel about my money today? 31:46: What are my own money goals? 34:45: Do I see a gender disparity in goal setting? 37:46: The inception of Her Duit and why 40:53: How do I pick interviewees at Her Duit? 42:25: What have I found interesting among my interviewees 44:15: How do I feel about Her Duit and our comments so far? 45:54: Why did I choose to do a podcast over other formats? 47:39: My plans and goals for Her Duit 49:47: My (non-investment) advice to Her Duit followers Mentions: Gracie's Instagram: https://www.instagram.com/ringgitfreedom/ Gracie's Blog: http://ringgitfreedom.com/ Mr Money TV: Men vs Women Episode: https://www.youtube.com/watch?v=r6vQYWtMgzc Resources: Her Duit Instagram Page: https://www.instagram.com/her.duit/ Her Duit Facebook Page: https://www.facebook.com/herduit Her Duit Perks: https://linktr.ee/herduit Getting Cryptocurrency on Luno: Promo Code: LNHERDUIT50 Deposit RM500 and get free RM50 of bitcoin! Valid until 15 May 2021 Only valid for new Luno users and purchases made from Instant Buy/Sell. Read more and sign up for Luno here: http://luno.com/ App Store: https://itunes.apple.com/app/bitx-wallet/id927362479?mt=8 Google Play: https://play.google.com/store/apps/details?hl=en&id=co.bitx.android.wallet

Happy International Women's Day! On today's surprise, special IWD episode, we have Suyin Ong, a personal finance content creator from Malaysia. She runs a YouTube channel where she advocates for good money habits and investing. We spoke to Suyin about her money journey, how it was shaped through her upbringing, how she came to realise what are her value sets, her background in teaching and translating that to starting her YouTube channel as well as 3 mistakes that she's made in her own journey! 04:01: 5 Quick Fire Questions with Suyin 12:11: Suyin's personal finance learnings when growing up 14:20: Suyin's experience buying a designer bag 17:05: Values that Suyin still holds onto strongly today 18:22: A money behaviour that she didn't completely resonate with 19:46: The irrationality of money and emotions 22:53: When and how did Suyin start taking charge of her personal finances? 25:20: Did being a teacher contribute to her starting a YouTube channel? 31:16: The challenges of Suyin's YouTube journey so far 34:51: Suyin sharing 3 mistakes she has made in her personal finance journey 46:46: Final words from Suyin from an IWD theme Resources: Suyin's YouTube Channel: https://www.youtube.com/c/SuyinOng Suyin's Instagram Page: https://www.instagram.com/suyinvests/ Suyin Invests Facebook Page: https://www.facebook.com/suyinvests/ Her Duit Instagram Page: https://www.instagram.com/her.duit/ Her Duit Facebook Page: https://www.facebook.com/herduit Her Duit Perks: https://linktr.ee/herduit

Today, we get to know Kell Burhanudin, Head of Community at HeyAlfred, a little bit better! She shares with us the top questions Malaysians ask, and you'd be surprise what it is (and no it isn't your common personal finance questions on budgeting and investing!). We also walkthrough Kell's own learnings, her views on personal finance and her goals on this episode. 02:15: What does the Head of Community at HeyAlfred do? 05:12: How does HeyAlfred come up with content? 06:26: Kell's biggest learnings in personal finance so far 07:25: How to be conscious about the information you consume 10:10: Kell's money behaviour changes post-HeyAlfred? 14:24: Something more people need to know about in their personal finance journey? 16:30: How do we tackle not knowing 'enough' in personal finance? 19:50: What are Kell's own financial goals in life? Resources: HeyAlfred: https://heyalfred.co/ Download HeyAlfred: http://onelink.to/heyalfredco Her Duit Instagram Page: https://www.instagram.com/her.duit/ Her Duit Facebook Page: https://www.facebook.com/herduit Her Duit Perks: https://linktr.ee/herduit

Emergency Funds; what are they? Why did no one tell me that I needed emergency funds in my life? 😱 What do I do if I lose my job? How do I pay for my expenses? 😱 I think one of the foundational parts of personal finance is about emergency funds, and not just 'saving' alone. Emergency funds are our cushions or our safety nets when unexpected emergencies happen. So, why were we never taught about it in school or growing up? Whether you have your emergency funds sorted or have not begun, this is a fantastic episode to learn more about it with Kell Burhanudin from HeyAlfred.co! 01:57: 5 Quick Fire Questions with Kell 04:43: What are Emergency Funds? Why is it important? 06:23: Debt vs Emergency Funds: how to manage and balance both? 07:27: What do you actually use your emergency funds for? 09:45: Where to store your emergency funds? 12:40: Tips & tricks in building emergency funds 15:45: Wait, what's a sinking fund? Is it the same? 18:15: How much to actually save for your emergency fund? 19:57: Join the Simpan Challenge with HeyAlfred and AbangAbu Mekanik Wang! Resources: HeyAlfred: https://heyalfred.co/ Download HeyAlfred: http://onelink.to/heyalfredco Her Duit Instagram Page: https://www.instagram.com/her.duit/ Her Duit Facebook Page: https://www.facebook.com/herduit Her Duit Perks: https://linktr.ee/herduit

Managing personal finance as a freelancer or as one who is self-employed can take a little more planning at the beginning. From figuring out how to grow your income, to managing business expenses and even consistently save and invest while not having a fixed income amount. It can be pretty daunting but it does not mean that it is difficult! AJ and Renee, our guests and also the co-founders of The Freelancers Academy shares their own personal finance journey. They talk about the importance of having to get your finances right and how they manage their own money. Want to find out more? Start listening to the episode now! 01:43: AJ & Renee shares the highlights & lowlights of their freelancing journey 04:37: Has Renee ever thought about freelancing during her 9-5 job? 06:26: Has AJ only ever considered a 9-5 job? 08:45: Is freelancing a risky career move? 13:14: How much did Renee have when she quit her 9-5? 15:08: How to manage finances transitioning from student to freelancer? 16:29: Freelancing equipment: how to afford? 20:06: AJ's 20/20 rule for savings & investments 21:51: How does Renee manage her retirement savings? 24:08: AJ's take on managing medical bills & personal finance as a freelancer 31:15: How to tackle the freelancing question with your family? 35:46: What does retirement mean to AJ & Renee? Resources: The Freelancers Academy: https://www.thefreelancersacademy.com/ Renee's Peachy Pixx Productions: http://peachypixx.com/ Her Duit Instagram Page: https://www.instagram.com/her.duit/ Her Duit Facebook Page: https://www.facebook.com/herduit Her Duit Perks: https://linktr.ee/herduit

Freelancing has been an increasingly popular career path for those who want to 'be their own boss' and take charge of their own time, their own way. This is the episode for those who have considered freelancing as a job or those who are keen to learn more! I had the privilege of inviting AJ and Renee, who co-founded The Freelancers Academy. They are passionate about building a safe community with and for freelancers and collaborating to elevate each other. Listen in to learn all the questions you had about freelancing and also some tips from two very successful freelancers in unique industries! 01:30: Introduction to AJ, Renee & The Freelancers Academy (TFA) 03:31: What is freelancing? 04:07: COVID-19 times: Why are more people going into freelancing? 04:35: Contrasting freelancing to 9-5 jobs 07:26: How to get started in freelancing? 08:51: Tough parts about freelancing? 15:30: What must you know before considering freelancing? 20:31: Women Freelancers: what are the realities? (especially hijabis!) 24:52: How to deal with unhappy clients as a freelancer? 25:45: Is freelancing free?! 26:58: Recapping important pre-freelancing tips! 28:18: AJ & Renee's best freelancing moments 29:19: Common misconceptions in freelancing 30:12: How can a beginner freelancer build credibility? 31:55: Surprisingly profitable niches in freelancing?! 34:05: Success tips for budding freelancers Resources: The Freelancers Academy: https://www.thefreelancersacademy.com/ Renee's Peachy Pixx Productions: http://peachypixx.com/ Her Duit Instagram Page: https://www.instagram.com/her.duit/ Her Duit Facebook Page: https://www.facebook.com/herduit Her Duit Perks: https://linktr.ee/herduit

> Promo Code below! < Are you feeling FOMO from not buying any bitcoin before? Are bitcoin prices going to go up indefinitely? Is there a bubble? What is bitcoin or cryptocurrency even? I think you'll agree with me that these questions have gone through your head one point in time. Precisely because of that, I've invited Scarlett Chai, the Marketing and Partnerships Lead (Kuala Lumpur - Asia) from Luno, to share more about the basics of cryptocurrency, how to differentiate the different types and how you can get started on your journey! 03:35: Scarlett answers 5 quick-fire questions 05:15: What is cryptocurrency? 07:06: Why has cryptocurrency prices been crazy recently? 08:32: What are the differences in different types of 'coins'? 09:51: How to evaluate different types of 'coins'? 11:54: What is Luno & how does it relate to cryptocurrency? 14:50: How can we start buying cryptocurrency? 19:06: What should we have knowledge in before buying cryptocurrency? 22:24: What drives the price movements of cryptocurrency? 23:23: Legitimacy of cryptocurrencies in Malaysia? 25:10: Will cryptocurrency replace fiat money one day? 26:36: Should we include cryptocurrency in our portfolio? 26:30: Is there a bubble? 29:23: Is it too late to buy cryptocurrency? 30:38: Are bitcoin prices going to continue increasing? 32:44: How and where should beginners start? 35:23: Scarlett's take on how we should approach investing Promo Code: LNHERDUIT50 Deposit RM500 and get free RM50 of bitcoin! Valid until 15 May 2021 Only valid for new Luno users and purchases made from Instant Buy/Sell. Read more and sign up for Luno here: http://luno.com/ App Store: https://itunes.apple.com/app/bitx-wallet/id927362479?mt=8 Google Play: https://play.google.com/store/apps/details?hl=en&id=co.bitx.android.wallet Resources 1) The Economic Times (India): Bitcoin is unlike any other bubble we’ve seen so far 2) Luno's Blog Post: What's next in 2021 for Bitcoin- number of times Bitcoin declared dead 3) Grayscale: Digital Currency Toolkit for Financial Advisors: https://grayscale.co/financial-advisors-toolkit/ 4) Bitwise: The Case for Crypto in an Institutional Portfolio: https://static.bitwiseinvestments.com/Research/Bitwise-The-Case-For-Crypto-In-An-Institutional-Portfolio.pdf Social Media Her Duit Instagram Page: https://www.instagram.com/her.duit/ Her Duit Facebook Page: https://www.facebook.com/herduit Her Duit Perks: https://linktr.ee/herduit

In this episode with Gracie, we talk about her money journey extensively. From how she had to metaphorically bang into walls as part of her learning journey in personal finance, having to buy a house to meet her mom's expectations and dreams, climbing out of spiralling depression and taking charge of her life again and her aspirations for herself financially. If you are looking to be inspired by Gracie's wisdom, her experiences and her learning, wait no more! 01:43: How did Gracie start her personal finance journey? 04:02: How did Gracie start investing? 09:46: The calm before the storm: expectations & depression 15:30: Will Gracie have changed anything to change her destiny? 17:27: What Gracie will change about buying a property 18:01: Handling a fight with a friend over money conversations 21:25: What would she tell her friends to help them with their money journey? 24:37: The origins of Ringgit Freedom 26:23: Why did Gracie choose to hide her identity? 28:28: Gracie's definition of financial independence 31:14: Gracie's financial goals for 2021 and beyond 34:15: Ringgit Freedom: what's coming up next? 35:15: Final words of wisdom from Gracie Gracie's Instagram: https://www.instagram.com/ringgitfreedom/ Gracie's Blog: http://ringgitfreedom.com/ Her Duit Instagram Page: https://www.instagram.com/her.duit/ Her Duit Facebook Page: https://www.facebook.com/herduit Her Duit Perks: https://linktr.ee/herduit

Interrupting our usual episodes with a casual and festive one today because it is the first day of Chinese New Year! I share 3 ways to think about money this Chinese New Year. To my lovely followers who are not celebrating, I have also shared some 3 timeless money management tips that you can always refer to. Have a lovely break everyone!